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Best Health Insurance Plans in El Paso 2021

The Best Health Insurance Plans in El Paso for the Affordable Care Act are:

Armando Wilson Life Insurance El Paso TX rotated

Why are the above companies the Best in El Paso?

The Affordable Care Act offers the best value and discount for most El Pasoans. Molina, Ambetter, Blue Cross Blue Shield, Friday, and Oscar Insurance are health insurance companies contracted and obligated to follow the rules and guidelines of the Affordable Care Act.

Every health insurance company contracted with the Affordable Care Act (ACA, aka Obamacare) must follow and offer 10 Essential Benefits.


Affordable Care Aact 10 Essential Benefits

The 10 Essential Benefits are:

  • Preventive, Wellness Care, Chronic Disease Management Services (Doctors, Specialists, and other providers)
  • Prescription Drugs
  • Hospitalization
  • Emergency Services
  • Laboratory Services
  • Maternity and New Born Care
  • Mental Health and Substance Abuse Treatment
  • Rehabilitative and Habilitative Services

All major medical plans afforded by health insurance companies under the ACA must cover 10 mandatory benefits. benefits

Other Benefits the ACA Plan Must Cover

In addition the 10 categories of health benefits listed above, plans must also include a few other benefits.

Birth control coverage

All ACA health plans must cover contraceptive methods and counseling for all women. Plans cannot charge a copay or coinsurance for you to get contraception, as long as you get it from an in-network provider.

Coverage for pre-existing conditions

All ACA health insurance plan sold through an exchange can not deny you coverage or charge you more because you have a pre-existing condition.

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