What is the Affordable Care Act (ACA)?
The Affordable Care Act (ACA) is a federal health law enacted in 2010 aimed at expanding access to affordable, quality health insurance for millions of Americans.
This law transformed the U.S. healthcare system by creating a marketplace where consumers can compare and choose health insurance plans that fit their needs and budget.
What does the ACA offer?
Coverage for pre-existing conditions: The ACA protects people with prior health conditions from being denied coverage.
Plans with essential health benefits: Includes coverage for preventive care, hospitalization, prescription drugs, mental health services, maternity care, and more.
Financial subsidies: Low- to moderate-income individuals may receive financial assistance to lower monthly premiums.
Medicaid expansion: Some states have expanded Medicaid eligibility to cover more people.
Who can apply?
U.S. citizens or legal residents living in the United States.
People without access to affordable employer-sponsored or government insurance.
Those who enroll during the Open Enrollment Period or qualify for a Special Enrollment Period due to life changes like marriage, birth of a child, or loss of coverage.
Why is the ACA important?
The ACA has helped millions gain health insurance by lowering financial barriers and increasing coverage. It also promotes preventive care and timely medical attention, improving overall health outcomes.
