Affordable Care Act (ACA)

The Affordable Care Act (ACA), also known as Obamacare, is a federal law passed in 2010. The law makes health insurance more accessible and affordable for Americans.

What the ACA Does

• Helps you get coverage. You can enroll in health insurance through state or federal marketplaces, often with financial help if you qualify.
• Protects you. Insurance plans can’t deny coverage for pre-existing conditions. They also can’t have annual or lifetime limits.
• Covers what you need. All plans must include essential health benefits, and preventive care is free.
• Expands Medicaid. In some states, low-income individuals and families may qualify for Medicaid.

Why It Matters

The ACA has helped millions of Americans get health insurance and avoid high medical costs. Even if open enrollment is over, life changes, such as moving, getting married, or having a child, may let you sign up through a special enrollment period.