Your family deserves the best plan possible

The Affordable Care Act (ACA)

Also known as healthcare reform, is a law that was signed into law in 2010 to make health insurance more affordable and accessible to more Americans. The ACA includes a number of provisions, such as: 

• Health insurance marketplace
• The ACA provides a health insurance marketplace where people can find affordable health insurance options. 
• Health coverage requirements
• The ACA requires individuals and their dependents to have health insurance coverage. 
• Employer requirements
• The ACA includes requirements for employers to provide health insurance coverage for their employees. 
• Tax provisions
• The ACA includes tax provisions that affect individuals, families, businesses, and other entities. 
• Protections for preexisting conditions
• The ACA protects people with preexisting conditions. 
• Essential health benefits
• The ACA provides access to essential health benefits, such as preventive care, prescription drugs, and mental health treatment. 

Providers we work with through the Healthcare Marketplace

All plans offered in the Marketplace cover these 10 essential health benefits:

• Ambulatory patient services (outpatient care you get without being admitted to a hospital)
• Emergency services
• Hospitalization (like surgery and overnight stays)
• Pregnancy, maternity, and newborn care (both before and after birth)
• Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
• Prescription drugs
• Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

Additional benefits



Plans must also include the following benefits:

• Birth control coverage
• Breastfeeding coverage

Essential health benefits are minimum requirements for all Marketplace plans. Specific services covered in each broad benefit category can vary based on your state’s requirements. Plans may offer additional benefits, including:

• Dental coverage
• Vision coverage
• Medical management programs (for specific needs like weight management, back pain, and diabetes)

When comparing plans, you’ll see exactly what each plan offers.

What you get with every plan

An affordable plan that works with your family's monthly budget.

A fixed rate for the entire premium duration, no matter how long.

A personal account manager you can always contact or consult.

The Wind Insurance promise of quality and service.

Your choice of post-death payment installments.

Insurance options for the family you already have, or the one you plan.