The Affordable Care Act (ACA) was signed into law by President Obama in March 2010. This law brought
new changes to healthcare, including improved access to affordable health insurance.
What does the Affordable Care Act do for me?
Starting in January 2014:
- Yearly check-ups, vaccines and screenings for some diseases are all free to patients covered by health insurance.
- Insurance companies can no longer drop you because you get sick or injured.
- Insurance rates cannot increase because of your gender or race.
- Insurance rates can only be increased a certain amount for older applicants.
- Insurance companies cannot limit how much they will spend for your health care costs per year or over your lifetime.
- You cannot be denied coverage due to a preexisting medical condition.
- Smokers! — A smoker will have to pay more for health insurance than a non-smoker.