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Benefits of the Affordable Care Act

More Americans Have Health Insurance

More than 16 million Americans obtained health insurance coverage within the first five years of the ACA. Young adults make up a large percentage of these newly insured people. In the last several years, it should be noted, insurance premiums under Obamacare have also improved.

Health insurance is More Affordable for Many People

Insurance companies must now spend at least 80 percent of insurance premiums on medical care and improvements. The ACA also aims to prevent insurers from making unreasonable rate increases.

Insurance coverage isn’t free by any means, but people now have a wider range of coverage options.

People with Pre-existing Health Conditions Can No Longer Be Denied Coverage

A pre-existing condition, such as cancer, made it difficult for many people to get health insurance before the ACA. Most insurance companies wouldn’t cover treatment for these conditions. They said this was because the illness or injury occurred before you were covered by their plans.

Under the ACA, you can’t be denied coverage because of a pre-existing health problem.

No Time Limits Exist on Care

Before the ACA, some people with chronic health problems ran out of insurance coverage. Insurance companies set limits on the amount of money they would spend on an individual consumer.

Insurance companies can no longer maintain a preset dollar limit on the coverage they provide their customers.

More Screenings are Covered

The ACA covers many screenings and preventive services. These usually have low copays or deductibles. The hope is that if you’re proactive in your healthcare, you can avoid or delay major health problems later.

Healthier consumers will lead to lower costs over time. For example, a diabetes screening and early treatment may help prevent costly and debilitating treatment later.

“The ACA is going to help all Americans have higher quality and less costly healthcare in the decades to come,” says Dr. Christopher Lillis, an internist in Virginia and a member of Doctors for America.

Prescription Drugs Cost Less

The ACA promised to make prescription drugs more affordable. Many people, particularly senior citizens, are unable to afford all their medications. The number of prescription and generic drugs covered by the ACA is growing every year.

According to a Centers for Medicare and Medicaid Services press release from 2017, Medicare beneficiaries have saved over $26.8 billion on prescription drugs under Obamacare.

How Do I Check If I Qualify?

It's easy and completely free to check eligibility, and only takes about 60 seconds.

Step 1: Select your age below.

Step 2: Enjoy your new, affordable healthcare benefits.