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Affordable Care Act

About the Affordable Care Act
How is the health care law working in my state?

Each state may choose to operate its own Marketplace and to expand their Medicaid program to serve low-income individuals and families. More than half the states have expanded Medicaid to serve low income families and individuals.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a resource where individuals, families, and small businesses can compare health insurance plans for coverage and affordability; get answers to questions about your health care insurance; find out if you are eligible for tax credits for private insurance or health programs like Medicaid or the Children’s Health Insurance Program (CHIP); enroll in a health insurance plan that meets your needs.

What is the Affordable Care Act?

The name “Affordable Care Act” (ACA) is the name used to refer to the final, amended version of the comprehensive health care reform law and its amendments. The law addresses health insurance coverage, health care costs, and preventive care.

Health Insurance Coverage
Are breast pumps covered by the Affordable Care Act?

Yes. Under the Affordable Care Act, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. They also can’t charge women more than men.

Can I get dental coverage in the Marketplace?

Yes. You can get dental coverage in the Health Insurance Marketplace in two ways: as part of a health plan, or by itself through a separate, stand-alone dental plan.

Will the Affordable Care Act cover my flu shot?

Flu and other vaccines are required to be covered by your health insurance without charging a copayment or coinsurance. But, be sure to check with your insurance company to find out if you must go to a specific facility to receive the vaccine.

Does the Affordable Care Act cover individuals with mental health problems?

Yes. The Affordable Care Act provides one of the largest expansions of mental health and substance use disorder coverage. The law requires that most individual and small employer health insurance plans, including all plans offered through the Health Insurance Marketplace cover mental health and substance use disorder services.

Can I get coverage if I have a pre-existing condition?

Yes. Under the Affordable Care Act, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. They also can’t charge women more than men.

Employers
As a small business owner, am I required to offer health insurance to my employees?
No employer has to offer coverage. Some large businesses that don't offer coverage meeting certain standards may have to make a shared responsibility payment in 2015.