This document provides guidance on whether to keep a current health insurance plan or select a new plan under the Affordable Care Act. Key factors to consider include comparing the benefits of the current plan to the essential health benefits required under the Affordable Care Act, such as coverage for hospital stays, prescriptions, and maternity care. The document advises to consider individual health needs, ages of family members, income, and family size when evaluating which option meets coverage requirements at the best cost. Whichever plan is chosen, the benefits should be reviewed against healthcare needs to select the most suitable insurance.

1. Should I Keep My Current Plan or Select
a Plan under the Affordable Care Act?
1
Compare the benefits
2
Understand
your health
insurance needs
Some factors to consider before deciding:
Provisions under the Affordable Care Act could impact your future health
insurance coverage but also provide broader benefits like Essential Health
Benefits. Depending on your situation, you may decide to stay with your
current plan or choose a new plan. Only you can decide what health plan
is right for you and your family.
Your Health
3
Your and Your
Family Members’
Ages
Your Income
Which option is better for you and your family?
Current Plan**
- Some of the Essential Health Benefits may not be included.
Check your plan’s benefit summary to see your specific
benefits.
- Depending on your age and your family situation, you may
or may not need or want benefits such as maternity care.
- What prescription drugs do you need? Are they covered
under your current plan?
- Pre-existing conditions may or may not be a factor for you.
Need help deciding?
Call 1-800-833-6917
Family Size
Plan under the
Affordable Care Act
Essential Health Benefits* including:
- Coverage for a hospital stay
- Lab services, for example, blood tests
- Maternity care
- Prescription drugs
- No added cost or exclusions for
pre-existing conditions
The bottom line? You have a choice. Whichever plan you choose, make sure it matches
your specific needs. Use your list of healthcare needs, your and your family members’ ages,
and your income to compare benefits against costs. Using these steps will help you choose
the health insurance plan that is best for you.
GCHHT32EN
*For a full list of the Essential Health Benefits, visit healthcare.gov.
**The ability to keep your current plan depends on the state you live in and the issuer of your current policy.
This Humana plan is Offered by Humana Employers Health Plan of Georgia, Inc., Humana Medical Plan, Inc.,
Humana Health Plan, Inc., Humana Medical Plan of Michigan, Inc., Humana Health Plan of Ohio, Inc., or Humana
Medical Plan of Utah, Inc. For Arizona residents: Offered by Humana Health Plan, Inc. For Texas residents: Offered
by Humana Health Plan of Texas, Inc. These companies are Qualified Health Plan Issuers in the Health Insurance
Marketplace, kynect, or Connect for Health Colorado. Applications are subject to eligibility requirements. Our health
benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or
discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.