What Does the Affordable Care Act (ACA) Cover?

The Affordable Care Act (ACA), also known as Obamacare, is a landmark healthcare law that was signed into law in 2010. The ACA has made major changes to the US healthcare system, including:

Expanding access to health insurance: The ACA has made it easier for people to get health insurance. Before the ACA, many people were uninsured because they couldn’t afford it or because they had a pre-existing condition. The ACA created new subsidies to help people pay for health insurance, and it also prohibits insurers from denying coverage to people with pre-existing conditions.

Improving the quality of health insurance: The ACA has also made changes to the quality of health insurance. Insurers are now required to cover a set of essential health benefits, and they can no longer impose annual or lifetime limits on coverage. The ACA also created new protections for consumers, such as the right to appeal denied claims.

Reducing the cost of health care: The ACA has also helped to reduce the cost of health care. The law has created new incentives for providers to deliver more efficient care, and it has also made it easier for people to compare the cost of different health care services.

What Does the ACA Not Cover?

The ACA does not cover all health care costs. There are still a number of things that are not covered by the ACA, such as:

Long-Term Care: The ACA does not provide coverage for long-term care, such as nursing home care or assisted living.

Dental Care: The ACA does not provide coverage for dental care, except for children under the age of 19.

Vision Care: The ACA does not provide coverage for vision care, except for children under the age of 19.

Cosmetic Surgery: The ACA does not provide coverage for cosmetic surgery.

How Do I Get Covered Under the ACA?

There are two main ways to get covered under the ACA:

1. Through your employer: If your employer offers health insurance, you can enroll in their plan.
2. Through the Health Insurance Marketplace: If your employer does not offer health insurance, or if you are self-employed, you can enroll in a health insurance plan through the Health Insurance Marketplace.

How Do I Know If I Qualify for ACA Coverage?

To qualify for ACA coverage, you must be a US citizen or legal resident and you must not be incarcerated. You may also qualify for ACA coverage if you are a low-income immigrant who meets certain requirements.

How Much Will ACA Coverage Cost?

The cost of ACA coverage will vary depending on your income, your family size, and the plan you choose. You may be eligible for subsidies to help pay for your coverage.

How Do I Get Help with ACA Coverage?

If you need help with ACA coverage, you can contact the Health Insurance Marketplace at 1-800-318-2596. You can also get help from a licensed insurance agent or broker.