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.
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.
Expands health care availability to more citizens
Prevents insurers from making unreasonable rate increases
Individuals with pre-existing health conditions cannot be denied
Coverage for additional screenings, immunizations, and preventative care
The Health Insurance Marketplace is available for new enrollment on November 1st.
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:
Platinum
Gold
Silver
Bronze
The different tiers plan offers:
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