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The Affordable Care Act and You

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

Under the Affordable Care Act, people without insurance can sign up for health coverage through the Health Insurance Marketplace, also known as the health insurance “exchange.”

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


Open Enrollment for 2018

The deadline for 2018 Open Enrollment was December 15, 2017. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.

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 Affordable Care Act 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 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.

Cost-Sharing Assistance

When you enroll in coverage through the Marketplace, you may be able to save money on out-of-pocket costs, including deductibles, copayments, and coinsurance. This is sometimes called “cost-sharing reductions.”

Whether you qualify to save on out-of-pocket costs will depend on your household size and income.

Find out more about cost sharing.

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



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