This tool will help you find the health insurance best suited to your needs. Insurance for individuals and families. It was created to help consumers obtain insurance quotes in compliance with the health insurance reform law, the Affordable Care Act.
Tennessee Health Insurance Exchange
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right coverage for your needs is through an independent ERIE Agent. We’ll help
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Health Insurance Basics
Your Insurance Company & Cost of Coverage
The Affordable Care Act includes features that promote transparency and hold insurers accountable for how they spend your premium dollars and rate increases.
Medical Loss Ratio. Insures must, in general, spend 80% or 85% of the premium dollars they take in on health care cost and health care improvement activities. If they do not, they must provide refunds to policy holders
Rate Review. Health insurance companies must tell consumers when they want to increase insurance rates for individuals or small group policies by an average of 10% or more.
Current Implemented Health Care Reform Benefits
Lifetime Limits. Lifetime limits for most health benefits are banned for all new health insurance plans.
Children's Pre-Existing Conditions. Insurance companies can no longer deny coverage for children under the age of 19 for a Pre-Existing condition and they must cover the condition with no waiting periods.
Preventive Care Services Covered. Preventative Services must be covered for insurance policies beginning on or after September 23, 2010. If your plan is subject to these new requirements, you may not have to pay a co-payment, co-insurance, or deductible to receive recommended preventive health services, such as screenings, vaccinations, and counseling.
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