For Consumers: Understanding Health Reform
Examples of what you can expect to find:
I notice Marketplace plans are labeled “Bronze,” “Silver,” “Gold,” and “Platinum.” What does that mean?
We are a married, same-sex couple. We no longer live in the state where we got married and our current state of residence doesn’t recognize same-sex marriages. If we apply for Marketplace subsidies, are we considered a household of one or two?
Now available in English and Spanish: Plug in your income, family size, age and tobacco usage into our subsidy calculator to get a rough estimate of how the Affordable Care Act might impact you financially.
This infographic shows 3 scenarios that illustrate the cost of health insurance under the Affordable Care Act for families in different circumstances, both before and after premium subsidies (in the form of a tax credit).See infographic
resources in spanish
Visit "La Ley de Cuidado de Salud a Bajo Precio: Recursos para los Consumidores" to find Spanish-language information on the Affordable Care Act
your state and the aca
Although the Affordable Care Act (ACA) is a federal law, states have decision-making power over how they will enact many parts of the law that improve access to health care.
For people who don't have health insurance from an employer, and must buy it on their own, states will either set up their own health insurance marketplace, work with the federal government to co-run the state marketplace, or opt to have the federal government run its marketplace. You can see what your state decided to do, and how much progress it's made, with our State Health Exchange Profiles.
States also have the option of expanding Medicaid eligibility to 138% of the federal poverty level (about $16,000 for a single person and $32,500 for a family of four in 2014) in order to receive federal funds under the ACA. You can see if your state has decided to expand Medicaid by checking this chart.
We also track how states are implementing other parts of the ACA in State Health Facts.
obamacare & you explainer series
Obamacare and You is a series of one-page papers explaining how the Affordable Care Act, also known as “Obamacare,” will affect different groups of people. Click on the links below to learn more:
If you are living with HIV, more information on how the ACA affects you is available on our HIV consumer web portal, presented as part of Greater Than AIDS.
If you own or run a business, you may be affected by the Affordable Care Act. To find out if you’ll face penalties for not offering affordable health coverage to your employees, follow the lines on our flowchart: Employer Responsibility Under the Affordable Care Act
If you’re interested in learning more about how the law affects small businesses and their employees, check out our fact sheet "How will the Affordable Care Act affect Small Businesses and their Employees?"