Thanks to Obamacare, millions of Americans now have access to quality, affordable health care—many for the first time.

SO WHAT WAS THE PROBLEM BEFORE?

Before the Affordable Care Act, millions of Americans lacked access to quality, affordable health insurance, and even those who did have coverage had little protection against insurance company abuses.



BEFORE HEALTH CARE REFORM...

  • You could be denied health coverage because of “pre-existing conditions,” which could be as serious as cancer or as minor as acne.

  • You could be dropped from your health insurance plan when you got sick, the time you need insurance the most.

  • You could run out of health insurance coverage because of a “lifetime limit” set by your insurance company.

  • When shopping on the individual market, 47% of people were denied coverage or charged more because of pre-existing conditions.

  • 62% of people found it difficult or impossible to find affordable coverage.

  • Many individual insurance plans only guaranteed limited coverage and lacked crucial benefits.

  • Only 12% of the health plans available to a 30-year-old woman on the individual market provided maternity coverage.

  • People who purchased plans on the individual market saw annual premiums increase 15%.

  • The average annual growth in U.S. health care spending was nearly 7%.

  • 62% of personal bankruptcies had medical-related causes.


THANKS TO THE AFFORDABLE CARE ACT...

  • Insurance companies can no longer discriminate against you by denying you coverage because of a pre-existing condition.

  • Nearly 6 in 10 uninsured Americans can get coverage for $100 a month or less.

  • It's now illegal for health insurance companies to arbitrarily cancel your health insurance just because you get sick.

  • All health insurance plans purchased through the marketplace must provide basic preventive care with no co-pay, including annual checkups, contraception, and routine screenings like colonoscopies and mammograms.

  • Health plans are required to cover key essential benefits like hospitalizations, mental health services, and prescription drugs.

  • Insurance companies can no longer impose annual or lifetime limits on your coverage’s essential health benefits.

  • Insurance companies are required to publicly justify their actions if they want to raise your rates by 10 percent or more.

  • Insurance companies must provide a rebate if they don’t use at least 80% of your premium on care, not CEO bonuses or advertising.

  • Women can no longer be charged higher premiums just because they are women.

  • Young adults under age 26 can stay on their parent’s health insurance plan until age 26 – a change that has already allowed 3.1 million young adults to get health coverage

  • Health care costs are now growing at their slowest rate in 50 years.



WANT TO LEARN MORE?

Check out the resources below:

What is preventive care, and what benefits are guaranteed to be covered?

How does the health care law protect me?

Timeline of the health care law.

How you can get covered.