ACA& Health Frequently Asked Questions

The ACA (also known as “Obamacare”) is a federal law that expands access to health insurance, protects people with pre-existing conditions, and provides financial assistance to lower costs for many individuals and families. 

U.S. citizens and lawfully present immigrants can qualify if they don’t have access to affordable job-based coverage, Medicare, or Medicaid. Eligibility depends on household income and family size.

 It’s an online service (HealthCare.gov or state-run exchanges) where people can shop for, compare, and enroll in ACA health insurance plans. 

All ACA-compliant plans must cover 10 essential health benefits, including doctor visits, hospitalization, prescription drugs, maternity care, mental health, preventive care, and more.  

All ACA-compliant plans must cover 10 essential health benefits, including doctor visits, hospitalization, prescription drugs, maternity care, mental health, preventive care, and more.  

Premiums vary by state, age, family size, and plan type. Many people qualify for subsidies that lower monthly premiums and out-of-pocket costs.   

• ACA plans: Purchased through the Marketplace, with subsidies based on income.
   
• Medicaid: Free or low-cost coverage for people with very low incomes. Expansion states raised eligibility under the ACA. 

 You can apply online at HealthCare.gov, through your state’s exchange, by phone, by mail, or with help from a licensed agent or navigator.