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

  • Previously, under the Affordable Care Act, all U.S. citizens and legal residents needed to have “minimum essential coverage” or they would be forced to pay a tax penalty. As of 2019, this tax penalty mandate has been discontinued at the federal level. Though there is no uninsured tax penalty on a federal level, individual states, like California, have implemented mandates. Enrolling in any medical plan option offered by Ensign Services satisfies this requirement for “minimum essential coverage.”
  • 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.