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  • More than 16 million Americans obtained health insurance coverage within the first five years of the ACA*
  • Young adults make up a large percentage of these newly insured people.
  • The ACA also aims to prevent insurers from making unreasonable rate increases.
  • The ACA has been highly controversial, despite the positive outcomes.
*Based on previous clients' outcomes.
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The Affordable Care Act

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More screenings

The ACA covers many screenings and preventive services. These usually have low copays or deductibles. The hope is that if you’re proactive in your healthcare.

No time limits

Insurance companies can no longer maintain a preset dollar limit on the coverage they provide their customers.

The Affordable Care Act (ACA), also known as Obamacare, was signed into law in 2010.

The act aimed to provide affordable health insurance coverage for all Americans. The ACA was also designed to protect consumers from insurance company tactics that might drive up patient costs or restrict care.

Millions of Americans have benefitted by receiving insurance coverage through the ACA. Many of these people were unemployed or had low-paying jobs. Some couldn’t work because of a disability or family obligations. Others couldn’t get decent health insurance because of a preexisting medical condition, such as a chronic disease.

Conservatives objected to the tax increases and higher insurance premiums needed to pay for Obamacare. Some people in the healthcare industry are critical of the additional workload and costs placed on medical providers. They also think it may have negative effects on the quality of care.

Insurance companies must now spend at least 80 percent of insurance premiums on medical care and improvements. The ACA also aims to prevent insurers from making unreasonable rate increases.

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People with preexisting health conditions can no longer be denied coverage

A preexisting condition, such as cancer, made it difficult for many people to get health insurance before the ACA. Most insurance companies wouldn’t cover treatment for these conditions. They said this was because the illness or injury occurred before you were covered by their plans.

Under the ACA, you can’t be denied coverage because of a preexisting health problem.

Prescription drugs cost less

The ACA promised to make prescription drugs more affordable. Many people, particularly senior citizens, are unable to afford all their medications. The number of prescription and generic drugs covered by the ACA is growing every year.

Looking ahead

The ACA is subject to changes every year. The legislation can be amended, and budget decisions can affect how it’s implemented. Changes in the healthcare field, along with changes to the political makeup of future presidential administrations and Congress, make it likely that the ACA will continue to change for years to come.

Many hospitals and public health agencies have set up programs to help guide consumers and business owners through the setup process. The ACA website also has sections devoted to explaining the procedures and available options.

Several new taxes were passed into law to help pay for the ACA, including taxes on medical device and pharmaceutical sales. Taxes were also increased for people with high incomes. Funding also comes from savings in Medicare payments.

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