Fact Sheet: Celebrating the Affordable Care Act (2024)

12 Years of Advancing Health Equity for All Americans

Since its enactment on March 23, 2010, the Affordable Care Act has led to an historic advancement of health equity in the United States. This landmark law improved the health of all Americans, including women and families, kids, older adults, people with disabilities, LGBTQI+ and communities of color. Thanks to the ACA, millions more Americans have gained health coverage without limits, and protections are in place for people with preexisting conditions. People have access to essential health benefits, including preventive and rehabilitative care, prescription drugs, wellness visits and contraceptives, mental health and substance use treatment, among many others. The Biden-Harris Administration is committed to building on the success of the ACA and making health care a right for all Americans.

Below is the fact sheet highlighting some of the accomplishments of the ACA:

Health of Women and Families

  • Required plans cover women’s preventive health services, including birth control and counseling, well-woman visits, breast and cervical cancer screenings, prenatal care, interpersonal violence screening and counseling, and HIV screening and STI counseling, with no cost-sharing to the woman. [HRSA] [CMS]
  • Allowed states to expand Medicaid eligibility up to 138% of the Federal Poverty Level ($17,774 for an individual; $36,570 for a family of four) and remove categorical requirements that previously prevented many low-income people from being able to enroll in the program. Medicaid expansion – adopted by 38 states and Washington DC, as of March 2022, has connected people to coverage and improved health outcomes for women of color and families. [CMS]
  • Created the Pregnancy Assistance Fund (PAF) to improve the health, educational, social, and economic outcomes of expectant and parenting teens, women, fathers, and their families. The PAF has provided funds to grantees in 32 states and seven tribal organizations, serving nearly 110,000 expectant and parenting young people. [OASH]
  • Created the Maternal, Infant, and Early Childhood Home Visiting Program (MIECHV), which has appropriated over $4.7 billion in grants to states, territories and tribes to support home visiting services to pregnant people and parents with young children who live in communities that face greater risks and barriers to achieving positive maternal and child health outcomes. [HRSA and ACF]
    • MIECHV (HRSA) provided over 7.1 million home visits between 2012 and 2020, with over 925,000 home visits provided in fiscal year 2020 alone.
    • Since programs started implementing services, Tribal MIECHV (ACF) recipients have provided over 142,500 home visits, including virtual visits during the COVID-19 pandemic, and served over 3,500 caregivers and children during FY 2021.
  • Provided $11 billion in funding to bolster and expand community health centers: Nearly 1,400 HRSA-funded health centers operate more than 14,000 service delivery sites that provide comprehensive and preventive health care to nearly 29 million people – 1 in 11 nationwide – in every U.S. state, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, and the Pacific Basin. [HRSA]

Health of Older Adults and People with Disabilities

  • Extended protection for Americans with disabilities from being discriminated against by health insurance plans on the basis of medical history or pre-existing conditions; and eliminated lifetime dollar caps on essential health benefits. As a result, many more people with disabilities are able to access quality health insurance that meets their needs, and they will no longer lose coverage based on their health status when they need it most. Lowered the share of adults with disabilities under age 65 who were uninsured for a full year by nearly half. [ASPE]
  • Created the Center for Medicare & Medicaid Innovation (CMS Innovation Center) to develop and test new health care payment and service delivery models. This was intended to improve patient care, lower costs, and promote patient-centered practices in Medicare, Medicaid, and the Children's Health Insurance Program (CHIP). [CMS]
  • Brought community living options to more people through Medicaid options such as Community First Choice, the Balancing Incentive Program and Money Follows the Person. [CMS]
  • Provided $50 million to support further development of the Aging and Disability Resource Center (ADRC) Program, which works to assist individuals in critical pathways, defined as times or places where people make important decisions about long-term care. [ACL]
  • Supported 33 states with grant funding to plan and implement a “No Wrong Door System,” a partnership between the ACL, the Centers for Medicare & Medicaid Services (CMS), and the Veterans Health Administration, to make it easier for consumers to learn about and access Long Term Supports and Services (LTSS). [ACL]
  • Closed the Part D prescription drug “donut hole” to make drugs more affordable for older adults.
  • Reformed payments in traditional Medicare through payment updates to hospitals, skilled nursing facilities, and certain other providers, partly to account for economy-wide productivity improvements and reduced excessive payments to home health agencies and inpatient rehabilitation facilities. [CMS]
  • Created the largest value-based purchasing program in the country, the Medicare Shared Savings Program (SSP); there are now 483 SSP Accountable Care Organizations (groups of doctors, hospitals, and other health care providers) that serve over 11 million Medicare beneficiaries, with over 525,000 participating clinicians. [CMS]

Coverage Gains & Patient Protections

  • Produced historic gains in health insurance, reducing the number of uninsured Americans by approximately 20 million, and extending Marketplace insurance or Medicaid expansion coverage to more than 31 million people as of early 2021. [ASPE]
    • This year, the Biden-Harris Administration announced a record-breaking 14.5 million people have signed up for 2022 health care coverage through the Marketplaces during the historic Marketplace Open Enrollment Period (OEP) from November 1, 2021 through January 15, 2022. [CMS]
  • Protected more than 133 million people with pre-existing conditions, like cancer, asthma or diabetes, pregnancy, from being denied coverage for their pre-existing condition.
  • Mandated that most insurers cover10 essential health benefits, including mental health and prescription drugs. It covered young people up to age 26 on their parent’s health plans.
  • Established vaccinations as a routine and expected part of the health care visit and required that people had a right to the full set of vaccinations recommended for them. For example, hepatitis A and hepatitis B vaccination covered without deductible or co-pay. [CMS, CDC]
  • Established the Federal Coordinated Health Care Office (Medicare-Medicaid Coordination Office) which serves people who are dually enrolled in both Medicare and Medicaid, also known as dually eligible individuals or Medicare-Medicaid enrollees, to make sure dually eligible individuals have full access to seamless, high quality health care and to make the system as cost-effective as possible. [CMS]

Mental Health and Substance Use Support

  • Established the Substance Abuse and Mental Health Services Administration (SAMHSA) Office of Behavioral Health Equity, which coordinates efforts to reduce disparities in mental and substance use disorders across populations. [SAMHSA]
  • Extended parity protections to individual health insurance, including qualified health plans offered through exchanges and required coverage of mental and substance use disorder treatment services as a category of Essential Health Benefits, guaranteeing coverage for consumers enrolled in individual and small group market plans. This impacted approximately 30.4 million enrollees in insurance plans and helped reduce stigma while supporting treatment for vulnerable populations. [CMS]
  • Created the Health Home State Plan Option to provide comprehensive care coordination for individuals with chronic conditions, including mental and substance use disorders. [CMS]
  • Contributed millions of dollars to the Garrett Lee Smith State and Tribal Program, GLS Campus Suicide Prevention, and Primary Behavioral Health Care Integration grant programs. This successful program has trained more than 143,000 individuals who work in the mental health field or a related profession and more than 300,000 people in communities across the country on suicide prevention and mental health promotion. It has reached approximately 55 million people with mental health awareness messaging. [SAMHSA]

Health of LGBTQI+ and Communities of Color

  • Established the Offices of Minority Health within six agencies at HHS: Agency for Healthcare Research and Quality (AHRQ); Centers for Disease Control and Prevention (CDC); Centers for Medicare & Medicaid Services (CMS); Food and Drug Administration (FDA); Health Resources and Services Administration (HRSA); and Substance Abuse and Mental Health Services Administration (SAMHSA).[HHS]
  • Elevated the NIH National Institute on Minority Health and Health Disparities to lead and coordinate activities that improve the health of racial and ethnic minority populations and reduce health disparities.[NIH]
  • Prohibited discrimination on the basis of race, color, national origin, age, disability, or sex (including pregnancy, sexual orientation, and gender identity), in covered health programs or activities, including health insurance. [OCR]
  • Reduced the uninsured rate among LGBTI+ populations by nearly half since 2010. [ASPE]
  • Provided coverage to approximately 4 million Latinos and 3 million Black Americans since 2010 when the ACA was enacted. [ASPE]
  • Strengthened the safety net of HIV care and treatment services to people with HIV served by HRSA’s Ryan White HIV/AIDS Program by helping cities, states, counties, and locally-based community organizations stretch their resources to build a comprehensive system of HIV care. [HRSA]
  • Established the Health Profession Opportunity Grant, a unique training and employment program that enrolled low-income individuals from historically underserved and marginalized communities in high demand health care training programs, thus providing career pathways for low-income individuals to assist families in becoming self-sufficient.[ACF]

This communication was printed, published, or produced and disseminated at U.S. taxpayer expense.

Fact Sheet: Celebrating the Affordable Care Act (2024)

FAQs

What are the main points of the Affordable Care Act? ›

The law has 3 primary goals:
  • Make affordable health insurance available to more people. ...
  • Expand Medicaid to cover all adults with income below 138% of the FPL. ...
  • Support innovative medical care delivery methods designed to lower the costs of health care generally.

Do you think the Affordable Care Act has been successful? ›

The ACA has led to historic coverage and affordability gains

One of the ACA's most significant achievements has been expanding affordable health coverage to nearly 40 million Americans. As a result, the ACA helped drop the nation's uninsured rate to an all-time low of 7.2 percent in 2023.

What are the pros and cons of the Affordable Care Act? ›

Some pros of Obamacare include more affordable health insurance and coverage for preexisting health conditions, while some cons include people having to pay higher premiums. The Affordable Care Act (ACA), also known as Obamacare, was signed into law in 2010.

In which 3 ways did the Affordable Care Act affect individuals? ›

Among other things, the ACA made it easier for many people to get coverage, removed annual and lifetime limits on essential health benefits and put in place requirements that individuals have medical coverage or pay a tax penalty.

What was one major purpose behind the Affordable Care Act? ›

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). Expand the Medicaid program to cover all adults with income below 138% of the FPL.

What does the Affordable Care Act require coverage for? ›

These include doctors' services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more. Some plans cover more services. Plans must offer dental coverage for children.

What are the major problems with the Affordable Care Act? ›

Most Of Those Who Say ACA Hurt Them And Their Families Say It Increased Their Health Care Costs
  • Increased your health care or health insurance costs. 59% 12%
  • Made it more difficult for you to get the health care you need. 22% 5%
  • Caused someone in your family to lose your health insurance. 11% 2%
Feb 22, 2024

Why do people oppose the Affordable Care Act? ›

They oppose the mandate that all Americans must have health insurance (the individual mandate), and they oppose a government role in health care. Yet Medicare, a mandatory insurance for seniors administered by the federal government since 1965, is overwhelmingly approved by the American public.

Is the Affordable Care Act good for the economy? ›

CBO estimates that over the decade from 2023 through 2032, the ACA will reduce the deficit by an average of 0.5 percent of GDP each year, corresponding to total deficit reduction of nearly $1.6 trillion over that ten-year period.

Why do people think the Affordable Care Act is unconstitutional? ›

United States Department of Health and Human Services declared the law unconstitutional in an action brought by 26 states, on the grounds that the individual mandate to purchase insurance exceeds the authority of Congress to regulate interstate commerce.

Who does not benefit from the Affordable Care Act? ›

Enhanced and Expanded ACA Marketplace Subsidies: Another controversial aspect of the ACA was the so-called “subsidy cliff,” where people with incomes over 400% of the federal poverty level were ineligible for financial assistance on the Marketplace and, therefore, would have to pay a large share of their household ...

Who pays for Obamacare? ›

The federal government and the states share responsibility for financing Medicaid, with the matching rate varying by state and between the new adult group and other eligibility groups.

Has the Affordable Care Act been successful? ›

Extensive research finds that people who gained coverage through the expansion have grown healthier and more financially secure, while long-standing racial inequities in health outcomes, coverage, and access to care have been reduced.

What are three main points of the Affordable Care Act? ›

The ACA expanded Medicaid eligibility, created a Health Insurance Marketplace, and prevented insurance companies from denying coverage due to preexisting conditions. The Affordable Care Act requires insurers to cover a list of essential health benefits.

What would make the Affordable Care Act better? ›

To make premiums more affordable, policymakers could offer tax credits to people with incomes above the current eligibility threshold and increase the generosity of tax credits for those already eligible. They also could make reinsurance, which protects individual market plans against high medical costs, permanent.

What is Obamacare in simple terms? ›

Obamacare is a colloquial term used to describe the Affordable Care Act (ACA). This law was put into place to make it easier for people to purchase the health insurance they need.

What is the ACA for dummies? ›

The ACA requires insurance plans to cover essential health benefits, limits out-of-pocket expenses, and expands Medicaid eligibility, ensuring access to comprehensive care without excessive financial burdens. Additionally, the ACA includes provisions to reduce prescription drug costs.

What were the key requirements of the Affordable Care Act for an organization? ›

What is ACA compliance? Businesses that are subject to the ACA must offer affordable health insurance that provides minimum essential coverage and minimum value to at least 95% of their full-time employees (including dependents).

What are the four major components of the Affordable Care Act quizlet? ›

  • Medicaid Expansion.
  • Subsidies to purchase private insurance.
  • Creation of Regulated Markets for Purchasing Private Insurance with Subsidies.
  • Mandates for Individuals and Employers.

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