Learn the Basics
The Patient Protection and Affordable Care Act (ACA) guarantees that everyone has the right to buy a health insurance plan and not pay more because of a pre-existing condition. Because health care is required for nearly everyone, the federal government offers financial assistance, also called subsidies to make health care more affordable for low- and middle-income individuals.
- Standardizes the health care benefits that insurance companies offer
- Puts all health plans into one of just five categories
- Established online Health Insurance Marketplaces (Exchanges) for one-stop convenience to compare and buy plans and apply for financial assistance
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