The Affordable Care Act (ACA) expands access to affordable, quality health care for millions of Americans. You should be aware of the following ACA provisions when you make medical coverage choices.

Ensign Medical Plans Meet the ACA Requirement for Individual Coverage

  • All U.S. citizens and legal residents, with a few exceptions, are required to have “minimum essential coverage” or pay a penalty when you file your income taxes. Coverage under any medical plan option offered by Ensign will satisfy this requirement. Starting with the 2019 plan year (for which you file taxes in April 2020), the requirement to have “minimum essential coverage” or pay a penalty no longer applies.
  • Other types of coverage that meet the requirement include plans provided by another employer, Medicare, Medicaid or individual health insurance you may purchase through Health Insurance Exchanges.

Health Insurance Exchanges for Alternative Coverage

The government-run Health Insurance Exchanges allow shoppers to compare a set of health insurance plans side-by-side based on price, benefits, quality, and other features. Those without access to affordable health coverage through their employer that meet certain minimum coverage, affordability and value standards may qualify for a subsidy or tax credit to help lower their premiums through the Health Insurance Exchange in their state.

Since Ensign offers health coverage that meets the required standards of coverage, affordability and value, you will NOT be eligible for government subsidies if you purchase coverage in the Health Insurance Exchange in your state.

Visit for more information on Health Insurance Exchanges in your state.