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Affordable Care Act

Posted by Lturner_NTEDi on August 31, 2013 at 5:20 PM

The 'Affordable Care Act' summary gives the most factual representation of the bill by breaking it down into its simplest form.

What is the Affordable Care Act?

The Affordable Care Act, or ACA, is a long, complex piece of legislation that attempts to reform the healthcare system. Summarizing the Affordable Care Act means giving a basic overview of what each section is about. We have a condensed version of the law available to download and many other pages that explain aspects of the law and how they affect you.

This Summary of the ACA will help you get a quick idea of what exactly is in The Affordable Care Act (ObamaCare) and what it does for Americans like you.

Affordable Care Act Summary

First off, the way a law works is it is broken down into titles and each title is broken down into sections. We will just give a summary of the title itself and what is implied within those sections.


The first title states that the Affordable Care Act puts individuals, families and small business owners in control of their own healthcare.

The Affordable Care Act reduces costs of premiums to millions of families and small businesses and provides billions dollars in tax relief – the largest middle class tax cut for health care in history.

The Affordable Care Act also reduces what most people will pay for healthcare by capping out of pocket expenses and requiring all preventative care to be fully-covered and without cost to the individual.

Nothing in the Bill forces any American to have healthcare or to drop their current healthcare plan.

There will be a competitive insurance market and all Americans will be able to choose their insurance out of these plans. Since everyone will have access to the same care through the Affordable Care Act it helps to ensure that all Americans receive quality healthcare. Those wishing to purchase private health insurance will be able to do so and receive the same care available today.

Since all Americans will pay into the Affordable Care Act, the insurance exchange will pool buying power allowing individuals to afford private insurance plans. These plans will have to compete for your business, thus helping to regulate cost and quality.

Small business owners will be able to purchase their own coverage, and will receive tax credits for up to 50% of the cost of their employees’ health insurance making it easier to give their employees benefits.

Insurance companies cannot deny coverage based off of pre-existing medical conditions and can make an appeal if an insurance company refuse doctor ordered treatments.

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