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What Is the Affordable Care Act (ACA)?

The Patient Protection and Affordable Care Act, referred to as the Affordable Care Act or “ACA” for short, is the health care reform law enacted in March 2010.

The law has 3 primary goals:
. Make affordable health insurance available to more people. The law provides consumers with subsidies (“premium tax credits”) that may lower costs for households.
. Expand the Medicaid program to cover eligible adults. Not all states have expanded their Medicaid programs.
. Support innovative medical care delivery methods designed to lower the costs of health care generally.

Key Features of the Affordable Care Act

Provisions included in the ACA expand access to insurance, could increase consumer protections, emphasize prevention and wellness, improve quality and system performance, expand the health workforce, and curb rising health care costs.

Benefits of Affordable Care Act

1

Expands health care availability to more citizens

2

Prevents insurers from making unreasonable rate increases

3

Individuals with pre-existing health conditions cannot be denied

4

Coverage for additional screenings, immunizations, and preventative care

May Include the following Benefits and Services

Hospitalization benefits
Emergency room care
Outpatient care
Maternity and newborn baby services
Pediatric tests and services
Mental health care and addiction treatments
Prescription drugs
Laboratory services and tests
Wellness, chronic disease, and preventive services
Rehabilitative equipment and services

When Does the Yearly Enrollment Period on the Marketplace Begin?

The Health Insurance Marketplace is available for new enrollment on November 1st.

Affordable Care Act Plans

There is no dollar cap on the Essential benefits. There is no cap in order to ensure that people get full treatments and do not have to worry about the costs. There is a cap for out-of-pocket costs that a person might have to pay. There are five different levels of benefits.

They each have a different level of maximum payment percentage:

90%

Platinum

80%

Gold

70%

Silver

60%

Bronze

The different tiers plan offers:

Employer-sponsored insurance coverage
Medicaid Part A coverage
Medicare Advantage
CHIPS
TRICARE
Coverage for Peace Corps volunteers
Refugee Medical assistance
Coverage stated on the non-appropriated Fund Health Benefit Program
Veteran’s health care

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Insurance Disclaimer: Affordable Care America is a free service to assist users in getting insurance quotes from insurance providers. Affordable Care America is not affiliated with any state or government agency. Affordable Care America is not an insurance agency or broker, nor an insurance referral service. Affordable Care America does not endorse or recommend any participating Third-Party Insurance Providers that pay to participate in this advertising.