RWV’s New York intern, Nina Nnamani, shares what she learned about how the Affordable Care Act (ACA) has improved her health insurance coverage.

As a woman in her early 20s, I am among those who benefit most from the health care law. I am in my first year of graduate school and have a lot of things on my “worry list” – assignments that must be turned in, rent that is due, loans that must be paid back and more. However, thanks to the new health care law, affording co-pays for key preventive care isn’t one of my worries.

Under the law, all new insurance plans must cover key preventive care for women without copays. This means that care like birth control or screenings for sexually transmitted infections are provided at no extra cost.

I knew this provision applied to plans starting after August 2012, and that many women would see the changes go into effect in January 2013 (when many new plan years start). But, I didn’t know whether my plan was complying and whether I’d begin seeing coverage without co-pays too.

Well, I checked, and it does! This is the first year that I will be able to get this key preventive care without paying for extra costs. This helps me stay healthy while on a student budget, and allows me to cross one more thing off of my “worry list.”

This provision of the health care law applies to all new plans starting on or after August 2012 (with an exemption for certain religious institutions). Check to see if you are covered too! Ask these questions to find out whether your plan is complying.

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