1. Easier access to healthcare

In 2009, over 50 million Americans did not have health insurance. This population typically received only half as much healthcare as someone with insurance. On average, these people were much more likely to end up in an emergency room. They were less likely to receive preventive care for major health conditions and chronic diseases. The ACA changed this by providing health insurance to millions who didn’t have access before.

2. Reduced healthcare costs

The government also understood that healthcare overall was too expensive. The ACA reduced these costs by offering subsidies, i.e. “cost-sharing reductions” and “advance premium tax credits.” A cost-sharing reduction is a discount that lowers the amount you have to pay in deductibles, copayments, and coinsurance. An advance premium tax credit is a credit that lowers your monthly premium. You can enter your zip code on the top of this page to find out if you qualify for one or both of these.

3. Additional rights & protections

Before the ACA was signed into law, health insurance companies were allowed to refuse coverage when someone had a pre-existing condition and cancel coverage when someone got sick or needed a lot of medical care. The Affordable Care Act ended those practices. The ACA also provides more coverage options for young adults, holds insurance companies accountable when rates increase, and includes free preventive care.