Too many in our city lack health insurance.

However, the Affordable Care Act (ACA) affords us the opportunity to do something about it. Residents can now take advantage of an open enrollment period for health care plans available under the ACA.

A main impediment that prevents many from obtaining insurance is cost. Over the years, the cost of premiums has risen at a higher rate than wages and the price of other goods and services. Those who lack private coverage have found it harder to get an affordable plan that covers comprehensive medical services.

The ACA makes it easier for individuals and families to access these policies. The law provides subsidies that did not exist before for those purchasing insurance, offsetting monthly premiums.

Just as important, people can easily compare plans at GetCoveredAmerica.org, and select the policy that best fits their financial situation and health needs.

The ACA cuts down on the cost and confusion of buying insurance. It also helps our residents obtain essential medicine and treatments without the fear of going into deep debt. In addition, the law provides protections against insurance companies refusing to sell a policy due to a pre-existing condition.

The current ACA enrollment deadline is Feb. 15.

View plans at www.Get CoveredAmerica.org and enroll now.

CYNTHIA I. NEWBILLE

Richmond

The writer represents the city’s 7th District on Richmond City Council.