What is the Affordable Care Act?

The U.S. Department of Health & Human Services describes the Affordable Care Act as a set of laws that puts consumers back in charge of their health care.

Under the law, a new "Patient's Bill of Rights" gives the American people the stability and flexibility they need to make informed choices about their health.

10 things to know about ACA:

1) Ends Pre-Existing Condition Exclusions for Children:
Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition .

2) Keeps Young Adults Covered: If you are under 26, you may be eligible to be c overed under your parent's health plan .

3) Ends Arbitrary Withdrawals of Insurance Coverage:
  Insurers can no longer cancel your coverage just because you made an honest mistake.

4) Guarantees Your Right to Appeal:
You now have the right to ask that your plan reconsider its denial of payment .

5) Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans .

6) Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes .

7) Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.

8) Covers Preventive Care at No Cost to You: You may be eligible for recommended preventive health services . No copayment.

9) Protects Your Choice of Doctors: Choose the primary care doctor you want from your plan's network.

10) Removes Insurance Company Barriers to Emergency Services: You can seek emergency care at a hospital outside of your health plan's network .


**Information from U.S. Department of Health & Human Services

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