Understanding the Changes to the Affordable Care Act (ACA) in 2021 and 2022

What is the Affordable Care Act (ACA)?

The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive health reform law that was enacted in 2010. The law’s main goal is to make health insurance more accessible and affordable for all Americans.

ACA Provisions in 2021 and 2022

The ACA has undergone several changes since its enactment. In 2021 and 2022, significant provisions were enacted that impacted health insurance coverage and affordability.

2021 Provisions:

Expanded premium tax credits: The American Rescue Plan Act of 2021 made premium tax credits more generous, making health insurance more affordable for many individuals and families.
Special enrollment period: A special enrollment period was created for uninsured individuals and families who experienced certain qualifying life events, such as job loss or changes in income.
Increased subsidies for low-income individuals: Subsidies for individuals and families with low incomes were increased, making health insurance more affordable.

2022 Provisions:

Continuation of expanded premium tax credits: The expanded premium tax credits from 2021 were continued, providing continued savings for many individuals and families.
New subsidies for middle-income earners: The Build Back Better Act created new subsidies for middle-income earners, making health insurance more affordable for more people.
Federal funding for Medicaid expansion: The American Rescue Plan Act of 2021 provided additional federal funding to states that expanded Medicaid, making it easier for low-income individuals to access health insurance.

How These Changes Affect You

The changes to the ACA in 2021 and 2022 have several implications for individuals and families:

Increased affordability: The expanded premium tax credits and other subsidies make health insurance more affordable for many Americans.
Improved access: The special enrollment period and increased subsidies for low-income individuals make it easier for more people to access health insurance.
Continued coverage: The continuation of expanded premium tax credits ensures that many Americans can continue to afford health insurance.


The Affordable Care Act (ACA) has undergone significant changes in recent years, including in 2021 and 2022. These changes have made health insurance more affordable and accessible for many individuals and families. If you are looking for health insurance, it is important to understand the changes to the ACA and how they may impact you. A licensed insurance agent can assist you in finding an Affordable Care Act health plan and creating a strategy that’s right for you.

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