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The ABC's of the Affordable Care Act

In 2010 President Obama signed the Affordable Care Act (ACA), the law commonly known as health reform. Health reform is changing how people get health care, how they get health insurance, what it costs and who pays for it.

A Affordable

You or members of your family may qualify for help paying for a health insurance plan. New rules make it possible for many Americans to qualify for a tax credit (also called a subsidy) to help pay insurance premiums. These savings may come in the form of a Premium Tax Credit which can be used to reduce your monthly premium payment or a program like Medicare, Medicaid or the Children's Health Insurance Program (CHIP).

The amount of assistance you qualify for is based on things like:

In 2010 President Obama signed the Affordable Care Act (ACA), the law commonly known as health reform. Health reform is changing how people get health care, how they get health insurance, what it costs and who pays for it.

B Benefits

The health insurance plans offered on the Health Insurance Marketplace include a comprehensive set of essential health benefits defined by the government. Qualifying plans sold outside the Marketplaces also include these benefits.

No matter which plan you choose, these categories of Essential Health Benefits will be covered:

C Coverage

As part of the ACA, everyone, with a few exceptions, is required to have health insurance. People who choose not to buy health insurance may pay a penalty, or fee, each year. They also pay for the costs of all their health care.

The Affordable Care Act guarantees:

Here's a summary of other important changes:

There are no lifetime or annual limits on essential health benefits.

Learn more about:

Life events that may qualify you for a Special Enrollment Period


 

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