Obamacare, officially known as the Affordable Care Act (ACA), is a comprehensive health care reform law in the United States that was enacted in 2010 with the aim of making health insurance more accessible and affordable for more people.
Universal Access: Requires insurers to cover all individuals, regardless of pre-existing conditions.
Medicaid Expansion: Increases eligibility for Medicaid, providing coverage to millions more Americans.
Affordable Insurance PlansSubsidies and Tax Credits: Offers income-based subsidies to help individuals and families pay their insurance premiums.
Health Insurance Marketplace: Facilitates the purchase of insurance plans through an online marketplace, where consumers can compare plans and prices.
Integrated Coverage,
Essential Services
All plans cover a set of essential services, including:
Medical Consultations and Hospitalisation
Maternity and Neonatal Care
Mental Health and Addiction Treatment Services
Prescription Medicines
Rehabilitation Services
Preventive and Wellness Care
Paediatrics, including Dental and Vision Care
Consumer Protection
Prohibition of Annual and Lifetime Limits:
Insurers cannot set maximum limits on annual or lifetime coverage.
Out-of-Pocket Cap: Limits the amount of money a consumer has to pay out-of-pocket annually.
Prevention and Wellness
No-Cost Preventive Services: Full coverage of preventive services with no copayments, including annual checkups, immunizations and screenings.
Who Benefits from Obamacare?
Uninsured Individuals: People who previously could not access insurance due to pre-existing conditions or high costs.
Low- and Middle-Income Families: Families who qualify for subsidies that reduce the cost of their premiums and out-of-pocket expenses.
Small Businesses: Businesses with fewer than 50 employees can get tax credits to help pay for insurance for their workers.
Obamacare has transformed the health insurance landscape in the United States, making coverage more accessible and understandable for millions of people.
Explore our options and make sure you and your family are protected with health insurance that meets all the standards and benefits of the Affordable Care Act.