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Health Care Reform & You

Find a quick overview on health insurance exchanges and how they work here.

Health Marketplace Overview


You can find a Glossary of Terms used in the information on Health Insurance Exchanges here.

Exchange Term Definitions

Find information on what the health care reform changes will mean for people with pre-existing conditions

Pre-Existing Conditions

Effective in 2014, the new health care reform law will implement an individual health insurance mandate. When the mandate goes into effect, most Americans will be required to purchase health insurance or will have to pay a fine. Consumers will have to purchase plans that are comprehensive and have a minimum amount of coverage.

Starting in 2014, insurance companies will not be able to deny health insurance coverage to people with pre-existing conditions. As people with medical conditions start to enroll for coverage, the mandate will require healthy individuals to enroll at the same time.

This will help keep health insurance costs from skyrocketing because the number of healthy and unhealthy people will be balanced.

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Look no further for comprehensive private Health Insurance. At Experient Health Individual Insurance, you'll find a complete guide to a variety of insurance plans; from individual and family to Medicare Supplemental. Serving Maryland, Virginia, and Washington DC.

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If you're ready to compare popular plans online. Get your free quotes now. If you'd like to talk about your options, please contact us. Our services are free and it doesn't stop once you purchase a plan

Get the best rates on your coverage by comparing free quotes before you purchase a plan. Our Personal Health Care specialists are also on hand to talk about your options. Our insurance quotes and advice are free and at zero obligation to you, so why not get started today?