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Understanding Health Care Reform: The Affordable Care Act
Three years ago, the
Affordable Care Act
(ACA) became federal law. It initiated the most significant changes in the U.S. health care system since the establishment of Medicare in 1965.
Key features of the law include:
Adds free preventive care: Health insurance plans must cover
lifesaving preventive services
at no additional cost to you
Extends coverage for young adults:
Parents can keep their children covered
under their health insurance until they reach age 26.
Bans lifetime limits: Health plans can no longer place
lifetime dollar limits
on the benefits you receive.
Ends denial of coverage based on
: Children with pre-existing conditions cannot be denied insurance. In 2014, no one can be denied because of a pre-existing condition.
Establishes a set of
Essential Health Benefits
that insurance plans must offer.
Glossary of Health Care Terms