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:
The Health Insurance Marketplace is a new way for individuals, families and small businesses to get high-quality health coverage. Open enrollment in the Health Insurance Marketplace began on October 1, 2013. The Marketplace can help if:
With one Marketplace application, you can find out if you can get lower costs based on your income, compare your coverage options side-by-side, and enroll.
When you use the Marketplace, you'll fill out an application and see all the health plans available in your area. You'll provide some information about your household size and income to find out if you can get lower costs on your monthly premiums for private insurance plans. You'll learn if you qualify for lower out-of-pocket costs.
The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children's Health Insurance Program (CHIP).
You can apply for Marketplace coverage three ways: online, by mail, or in-person with the help of a Navigator or other qualified helpers. Telephone help and online chat are available 24/7 to help you complete your application.
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.
The Affordable Care Act:
The Affordable Care Act also forces insurance companies to play by the rules. Under the new law, insurance companies cannot:
Find out more about the health care law.
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!
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.
Text on this page has been adapted from www.healthcare.gov.