What Is the Affordable Care Act (ACA)?
The Affordable Care Act (ACA) is the comprehensive health care reform. Formally known as the Patient Protection and Affordable Care Act the law includes a list of health care policies intended to expand access to health insurance to millions of uninsured Americans.
The act expanded Medicaid eligibility, created health insurance exchanges, mandated that Americans purchase or otherwise obtain health insurance, and prohibited insurance companies from denying coverage due to pre-existing conditions.
Key Features of the Affordable Care Act
Provisions included in the ACA expand access to insurance, increase consumer protections, emphasize prevention
and wellness, improve quality and system performance, expand the health workforce,
and curb rising health care costs.
✓ 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.
How Many Citizens Use the Health Insurance Marketplace?
As of 2021, over 13 million citizens are enrolled in coverage offered by the ACA. During the open enrollment, you can sign up for new plans or change your Affordable Care Act plans.
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 to you:
✓ Employer-sponsored insurance✓ 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
Affordable Care Act Eligibility
The minimum requirements state that you must be a United Sate’s citizen, qualified immigrant be living in the United States, and not currently be incarcerated.
Applying for Health Insurance Coverage:
We'll help you get what you need. Here's how: ✓ Answer a few questions and quickly find the benefits you may be eligible for.✓ Search for benefits with confidence. We do not share your personal information.
✓ Your benefits search will find the programs that meet your unique individual needs.
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.
