Get an ACA-Compliant Health Insurance Plan for the USA

An ACA-compliant plan offers peace of mind with coverage that meets US government standards.

What is ACA Compliance?

The Affordable Care Act (ACA) also known as “Obamacare,” is a healthcare reform law introduced in 2010. Its main goal is to make health insurance more affordable and accessible for everyone. The ACA’s impact is huge.

Expanded Medicaid eligibility.
Created online marketplaces for individuals to buy insurance.
Required insurers to accept applicants with preexisting conditions.
Mandated coverage of essential health benefits
Covers hospitalization, preventive care, and prescription drugs.
Covers preventive care like check-ups and vaccines.

Popular Courses and Programs in the USA

Universities in the United States offer a range of programs catering to various career aspirations and industry demands. These are some of the most sought-after master’s degrees in the USA.

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After 12th

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BBA Business Administration – University of Pennsylvania – Wharton School

BSc Mechanical Engineering – Massachusetts Institute of Technology (MIT)

MD Medicine – Harvard University

BSc Astrophysics – California Institute of Technology (Caltech)

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BSc Management – Massachusetts Institute of Technology – Sloan School

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MD Medicine – Johns Hopkins University

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BBA Business Administration – University of Pennsylvania

BBA International Business – University of California, Berkeley – Haas School

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MD Medicine – Stanford University

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BSc Mechanical Engineering – Massachusetts Institute of Technology

BSc Finance – New York University – Stern School of Business

BSc Computer Engineering – Carnegie Mellon University

MD Medicine – University of California, San Francisco (UCSF)

MSc Astronomy – University of Chicago

MD Medicine (Pre-Med Pathway) – Harvard University

BSc Accounting – University of Michigan – Ross School of Business

BSc Aerospace Engineering – California Institute of Technology (Caltech)

MD Medicine – University of Pennsylvania – Perelman Schoo

BSc Astronomy – Princeton University

BSc Data Science – University of California, Berkeley

BBA Marketing – University of Southern California – Marshall School

BSc Chemical Engineering – Georgia Institute of Technology

MD Medicine – Columbia University

BSc Astrophysics – University of Arizona

BSc Psychology – Yale University

Why ACA-Compliant Plans Are Essential for Students

Choosing an ACA health insurance plan ensures better student protection, fairness, and financial security. Here’s why ACA-compliant health insurance matters:

Coverage

Medicaid expansion helps many low-income and minority students afford health insurance.

Fairness

ACA-compliant plans cannot deny coverage or charge extra based on preexisting conditions.

Compliance

Many US colleges and universities require proof of ACA health insurance.

Financial Well-being

ACA plans cap out-of-pocket expenses and eliminate lifetime coverage limits.

How ACA-Compliant Insurance Meets Coverage Requirements

ACA-compliant health insurance plans guarantee a full range of protections by covering ten essential health benefits:

Outpatient (ambulatory) services

Emergency services

Hospitalization

Maternity and newborn care

Mental health and substance use disorder services

Prescription drugs

Rehabilitative and habilitative services and devices

Laboratory services

Preventive and wellness services, plus chronic disease management

Pediatric services, including oral and vision care

ACA health insurance plan requirements

ACA health care plans give students the comprehensive, fair, and reliable coverage they need.

Have no annual or lifetime coverage limits for essential benefits.

Cover preventive services (like vaccinations and health screenings) at no extra cost.

Accept all applicants during open enrollment, regardless of health status.

Cap maximum out-of-pocket expenses to protect against catastrophic costs.

Benefits of ACA-Compliance Insurance Plans

Preventive Care

Stay ahead of health worries with free check-ups, vaccinations, and screenings.

Lower Healthcare Costs

Get subsidies and caps on out-of-pocket expenses.

No Pre-existing Condition Exclusions

Coverage even in case of pre-existing conditions without extra fees.

ACA-Compliant vs. Non-ACA Health Plans: Compare Your Options

Factor

ACA-Compliant Plan

Non-ACA Plan

Coverage

Full essential coverage

Spotty, missing benefits

Premiums

Higher, worth it

Lower, risky costs

Eligibility

Open, easy access

Restricted, tricky

Pre-Existing Conditions

Always fully covered

Often excluded

Preventive Care

Free, no copays

Extra charges

Mental Health

Equal care guaranteed

Often skipped

Maternity Care

Included by default

Usually missing

Prescriptions

Covered, affordable meds

Limited or missing

Out-of-Pocket Costs

Capped, predictable

High, unpredictable

Network

Wide, flexible access

Small, costly gaps

Dependent Coverage

Children covered till 26

Rarely available

Renewability

Easy if eligible

Must reapply

Top ACA-Compliant Health Insurance Providers

Blue Cross Blue Shield (BCBS)

Trusted nationwide, with all the essentials and premiums that are pocket-friendly.

United Healthcare

Built with students in mind including telehealth, mental health support, and affordable meds.

Aetna Student Health

Perfect for university life, with emergency care, preventive visits, and flexible costs.

Cigna

A big network of doctors, plus strong mental health care, which is great for international students.

Oscar Health

Easy on the budget, with free virtual visits and preventive care to keep you going.

How to Enroll in an ACA-Compliant Plan

Browse Plans Online

Use trusted platforms like Insure Right to compare ACA-compliant options.

Prepare Required Documents

Have your ID, visa, and proof of US residence ready.

Apply During Open Enrollment

Pay Your First Premium

Activate your coverage by paying the first bill on time.

Start Using Your Benefits

Once active, your plan covers essentials from day one.

Hear from Students Who Chose ACA-Compliant Plans

Students share how the right ACA-compliant health insurance plan gave them confidence and saved them money when they needed care in the USA.

200,000+

students assisted

₹16,300 crore

secured in insurance coverage

50+

insurance plans

With GradRight, you’re covered and cared for, with ACA-compliant health Insurance.

Frequently Asked Questions

What does ACA-compliant health insurance cover?

ACA-compliant health insurance covers everything including hospital stays, emergencies, doctor visits. It also covers prescriptions and mental health care. Plus, it also offers cover for maternity support and preventive services like vaccines and wellness check-ups.

How can I check if my student health insurance plan is ACA-compliant?

To find out if your plan is ACA-compliant, give your insurance provider a quick call and ask directly. You can also check if it includes coverage of essential health benefits and free preventive care. If yes, it is likely ACA-compliant. For extra peace of mind, check HealthCare.gov or your state’s marketplace to double-check if it meets the ACA’s standards.

Do international students need ACA-compliant insurance?

It’s not always a legal must for international students to have ACA-compliant health insurance. But US universities make it a must-have for enrollment. Even otherwise, an ACA-compliant plan provides you with comprehensive coverage. It is a good-to-have since it shields you from the jaw-dropping medical bills the US is known for. Even if your school doesn’t require it, it’s a smart move to keep yourself protected and focused on your studies, not stress.