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The Affordable Care Act and You

The Affordable Care Act (also known as "health reform" and "Obamacare") is the federal health care law passed by the U.S. Congress and signed by President Barack Obama in 2010.

The Affordable Care Act:

  • puts in place strong protections for people who have or need
    health insurance;
  • provides new health insurance coverage options; and
  • gives you the tools you need to make informed choices about your
    health insurance.

Key Features of the Affordable Care Act

 

The Health Insurance Marketplace

Open Enrollment is over for 2014. If you tried to enroll in health coverage by March 31 but didn’t finish on time, you may still be able to get 2014 coverage. If you are in this situation, you must act quickly.

Quick Links

Getting coverage outside Open Enrollment
Using your new insurance coverage
Using your new Medicaid or CHIP coverage



FAQs and Resources

Health Insurance: Good for Your Health
How the Health Care Law Helps You
The New Premium and Cost-Sharing Assistance
Resources (websites, fact sheets, videos)



Health Insurance: Good for Your Health

Insurance helps to protect you (and your family) from the high costs of medical care. No one plans to get sick or hurt, but most people will need to get treated for an illness or injury at some point. Health insurance helps to pay these costs. Find out more about the benefits of health insurance.


How the Health Care Law Helps You

The Affordable Care Act:

  • increases access to health insurance
  • makes health care more affordable
  • strengthens Medicare

 

The Affordable Care Act also forces insurance companies to play by the rules.  Under the new law, insurance companies cannot:

  • drop your coverage if you get sick;
  • bill you into bankruptcy because of an annual or lifetime limit on how long or how much insurers will pay; and
  • refuse to help you if you have a pre-existing condition (an illness you have before you get health insurance).

 

Find out more about the health care law.



The New Premium and Cost-Sharing Assistance

Under the new health reform law, people of modest means will get help paying for health insurance premiums. They will also get help with “cost-sharing” expenses — that is, costs that people with insurance have to pay out-of-pocket like copayments for doctor visits and hospital care.

This help will come in the form of subsidies that will be available in the new health insurance marketplace. These subsidies will help low- and moderate-income families to comply with the new requirement to obtain health coverage starting in 2014.


Find Out More
Are you and your family eligible for premium and cost-sharing assistance?
Learn more and get ready!  


Resources
Philadelphia Resources

Philadelphia Health Centers
People who live in Philadelphia can get high-quality medical care at many health centers throughout the city.

Community Legal Services
CLS represents people who have legal problems with publicly funded health insurance programs, such as Medicaid, Medicare, CHIP, and AdultBasic.

 

Resources from Healthcare.gov

 

Videos

Text on this page has been adapted from www.healthcare.gov.