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Protecting millions of lives
About the ACA

Landmark Legislation That Changed Healthcare

Signed into law on March 23, 2010, the Affordable Care Act (ACA) — also known as Obamacare — represents the most significant regulatory overhaul of the U.S. healthcare system since Medicare and Medicaid in 1965.

  • Prohibits insurers from denying coverage due to pre-existing conditions
  • Establishes the Health Insurance Marketplace for easy plan comparison
  • Expands Medicaid to cover more low-income Americans
  • Requires most plans to cover preventive services at no extra cost
Read the full law summary
Key Benefits

Your Rights Under the ACA

Tap or hover on each card to discover how the ACA protects you and your family.

Pre-Existing Conditions

No one can be denied coverage or charged more for prior health issues.

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What This Means

  • Insurers cannot reject your application
  • No higher premiums based on health status
  • Covers cancer, diabetes, asthma & all conditions
  • Protects 50–130 million Americans

Essential Health Benefits

All plans must cover 10 categories of essential health services.

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The 10 Essential Benefits

  • Emergency services & hospitalization
  • Maternity & newborn care
  • Mental health & substance use treatment
  • Prescription drugs & lab services
  • Preventive & rehabilitative services

Financial Assistance

Premium tax credits and cost-sharing reductions make coverage affordable.

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How You Save

  • Premium Tax Credits lower monthly costs
  • Cost-Sharing Reductions for lower deductibles
  • 9 out of 10 enrollees receive financial help
  • Average premium after credit: ~$10–$50

Young Adult Coverage

Young adults can stay on a parent's plan until age 26.

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Who Qualifies

  • Unmarried children up to age 26
  • Eligible even if married, living away, or employed
  • No income or student status required
  • Covers millions of young adults since 2010

Preventive Care

Free screenings, vaccinations, and wellness visits at no out-of-pocket cost.

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Free Services Include

  • Annual wellness exams & immunizations
  • Cancer screenings (mammograms, colonoscopies)
  • Blood pressure, cholesterol & diabetes screening
  • Women's health services & contraception

Consumer Protections

Strong safeguards against unfair insurance practices and billing surprises.

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Your Protections

  • No annual or lifetime dollar limits on essential care
  • Right to appeal insurance decisions
  • No surprise billing for emergency services
  • Guaranteed right to renew your policy
Simple Process

How to Get Covered in 3 Steps

Enrollment is straightforward. Follow these steps to find the right plan for you and your family.

01

Fill Out an Application

Provide your household size, income, and other basic information to see your options.

02

Compare Plans

Browse Bronze, Silver, Gold, and Platinum tiers. See costs, coverage, and networks side by side.

03

Enroll & Get Covered

Select your plan, complete enrollment, and receive your coverage confirmation. It's that simple.

Don't Miss the Deadline

Your Health Can't Wait. Enroll Today.

Visit the official Health Insurance Marketplace to find affordable plans that fit your needs and budget.