Affordable Care Act

What is the Affordable Care Act (ACA)?

It’s a federal law that was passed in 2010 to make health insurance more accessible and affordable for Americans.

Who it’s for:

Primarily people under age 65 who don’t have insurance through work or other programs.

Includes individuals, families, and some self-employed or early retirees.

How it works:

Plans are divided into metal tiers — Bronze, Silver, Gold, Platinum — that reflect cost-sharing, not quality.

You may qualify for subsidies (premium tax credits) or cost-sharing reductions based on income.

Coverage renews annually, and open enrollment usually runs Nov 1 – Dec 15.

Here's a quick breakdown of what it does:

🩺 Expands access to health insurance — through the Health Insurance Marketplace (Healthcare.gov) and expanded Medicaid in many states.
💰 Provides subsidies (tax credits) — to help lower- and middle-income individuals and families afford coverage.
🚫 Protects people with pre-existing conditions — insurance companies can’t deny coverage or charge more because of health history.
📋 Sets minimum coverage standards — all ACA-compliant plans must include “essential health benefits” like preventive care, prescriptions, maternity, and mental health services.
👶 Allows young adults to stay on their parents’ plan until age 26.

Special enrollment periods:

Life changes happen — and when they do, you may qualify for a Special Enrollment Period to get or change health coverage outside of Open Enrollment. You may qualify if you:

Lose other qualifying coverage
Get married or divorced
Have or adopt a child
Move to a new area
Lose Medicaid eligibility

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all of your options.