The Affordable Care Act (ACA) is comprehensive healthcare reform legislation that was signed into law in 2010. It expanded access to health insurance coverage in three primary ways: by expanding Medicaid eligibility; creating health insurance exchanges; and preventing insurance companies from denying coverage due to pre-existing conditions. The ACA was intended to provide more affordable health insurance options for millions of uninsured Americans and supports innovative healthcare delivery methods. It established different metal-tiered health insurance plan options that vary in out-of-pocket costs and premiums.

1. Affordable Care Act

2. During this presentation we will
• Identify the purpose and benefits of the Affordable HealthCare
Act.
• Distinguish when and to whom it applies to.
• We will provide you with the information needed in order to
assist employees in handling their leaves appropriately.
• This presentation will also provide you with the materials
needed in order to protect yourself and our company from
liability.

3. The first question that comes to mind is what is ACA or Affordable Health Care Act
Well it can be defined as follows
The Affordable Care Act (ACA) is a comprehensive reform law, enacted in
2010, that increases health insurance coverage for the uninsured and
implements reforms to the health insurance market. This includes many
provisions that are consistent with AMA policy and holds the potential for
better health care system
It was designed to extend health coverage to millions of uninsured
Americans. The Act expanded Medicaid eligibility, created a Health
Marketplace, prevented insurance companies from denying coverage due
pre-existing conditions, and required plans to cover a list of essential
benefits.

4. Primary Goals
The law has 3 primary goals:
Make affordable health insurance available to more people. The law provides
consumers with subsidies (“premium tax credits”) that lower costs for
households with incomes between 100% and 400% of the federal poverty
level (FPL). Note: If your income is above 400% FPL, you may still qualify for
the premium tax credit in 2021.
Expand the Medicaid program to cover all adults with income below 138% of
the FPL. (Not all states have expanded their Medicaid programs.)
Support innovative medical care delivery methods designed to lower the costs
of health care generally.

5. Who should apply?
The Affordable Care Act (ACA) health insurance marketplace is where most
people who do not have health care coverage through their job or a
government program, such as Medicare or Medicaid, can purchase health
insurance.
Where to apply
The best place to start is at healthcare.gov. That’s where the majority of
Americans in the individual market will shop for a plan. But 11 states and the
District of Columbia have their own marketplaces. Those states are: California,
Colorado, Connecticut, Idaho, Maryland, Massachusetts, Minnesota, New
York, Rhode Island, Vermont and Washington

6. How to prove Eligibility?
• Birth dates and home addresses for all individuals who will be applying for coverage under the plan
• Social Security numbers, name of employer and income information for every member of your
household, even if they aren’t all applying for coverage
• Estimated household income for 2020
• Policy number and plan ID of your current insurance plan
• Any letter or document your current plan has provided regarding renewal
Different Types of Plans
Bronze — Lowest monthly premium; highest out-of-pocket costs; very high deductibles.
Silver — The most popular plans. Moderate premiums; moderate out-of-pocket costs; deductibles are
lower than bronze plans.
Gold — High monthly premiums; lower out-of-pocket costs; low deductibles.
Platinum — Highest monthly premiums, lowest out-of-pocket costs, very low deductibles.

7. Summary
The Affordable Care Act (ACA) is the comprehensive healthcare reform
signed into law by President Barack Obama in March 2010. Formally known as
the Patient Protection and Affordable Care Act, and often just called
Obamacare, the law includes a list of healthcare policies intended to
extend health insurance coverage to millions of uninsured Americans.
The act expanded Medicaid eligibility, created health insurance exchanges,
mandated that Americans purchase or otherwise obtain health insurance, and
prohibited insurance companies from denying coverage (or charging more)
due to pre-existing conditions. It also allows children to remain on their
parents' insurance plan until age 26

8. Conclusion
Critics of the ACA pointed out that is represented an unprecedented
of federal power within the healthcare industry because it required all
individuals to purchase a service (health insurance) whether they wanted to
purchase it or not.
This aspect of the law was a major focus of debate, and it was challenged in
U.S. Supreme Court in 2012 by the National Federation of Independent
Business. The Court ruled in favor of the individual mandate as a
exercise of the taxing authority of Congress, characterizing the penalties
against the uninsured as a tax.

9. REFERENCES
• Pear, Robert (December 24, 2009). "Senate Passes Health Care Overhaul Bill". The New York
Times. Archived from the original on November 15, 2013.
• Congressional Research Service (CRS) Summary Archived October 17, 2013, at the Wayback
Machine of H.R. 3962 as introduced, the Library of Congress, October 29, 2009
• Espo, David (November 8, 2009). "Landmark health bill passes House on close vote".
PhysOrg.com. Associated Press. Archived from the original on June 6, 2011.
• H.R. 3962 Affordable Health Care for America Act, Division A, Title II, Subtitle F, Section 262,
111th Congress.
• McNeal, Gloria (2010). "The Healthcare Reform Bill and Its Impact on the Nursing Profession".
The ABNF Journal. 21 (2): 38. PMID 20533752.