ACA (Affordable Care Act)
A federal law (signed 2010) that expanded access to health insurance by creating the Health Insurance Marketplace, establishing income-based subsidies, and requiring insurers to cover pre-existing conditions.
You can enroll during the annual Open Enrollment Period (November-January) or a Special Enrollment Period after a qualifying life event.
Subsidies (Premium Tax Credits and Cost-Sharing Reductions) lower monthly premiums and out-of-pocket costs for households earning 100%-400% of the Federal Poverty Level.
Medicaid expansion under the ACA extended coverage to adults earning up to 138% FPL in participating states.
→ Use BenefitKarma's eligibility screener to see if you qualify for subsidized coverage.
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Frequently asked questions about ACA (Affordable Care Act)
What is ACA (Affordable Care Act)?+
A federal law (signed 2010) that expanded access to health insurance by creating the Health Insurance Marketplace, establishing income-based subsidies, and requiring insurers to cover pre-existing conditions. You can enroll during the annual Open Enrollment Period (November-January) or a Special Enrollment Period after a qualifying life event.
Who qualifies for ACA (Affordable Care Act)?+
Anyone without affordable job-based coverage, Medicaid, or Medicare can shop the Marketplace. Subsidies depend on household income.
How do I apply for ACA (Affordable Care Act)?+
Apply during Open Enrollment (Nov–Jan) or after a qualifying life event at healthcare.gov, or through your state's Marketplace.
Where can I get help?+
Compare plans and check subsidies at healthcare.gov, or call a free local Navigator listed there. BenefitKarma's free Benefit Eligibility Screener can also tell you if you qualify for Medicaid instead.