what is obamacare

8/12/2019 What is ObamaCare

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What is ObamaCare / What is Obama Care?

What is ObamaCare / What is Health Care Reform?

You've heard of ObamaCare , but what is ObamaCare exactly? ObamaCare (AKA The

Affordable Care Act ) is a US law aimed at reforming the American health care system. ObamaCare's main focus is on providing more Americans with access toaffordable health insurance , improving the quality of health care and health insurance,regulating the health insurance industry, and reducing health care spending in the US.

What is ObamaCare?: ObamaCare is the unofficial name for The Patient Protectionand Affordable Care Act which was signed into law on March 23, 2010. Obamacare'shealth care reform does a number of important things including offering Americans anumber of new benefits, rights, and protections in regards to their healthcare andsetting up a Health Insurance Marketplace where Americans can purchase federallyregulated and subsidized health insurance.

(What is ObamaCare ? President Obama Portrait Public Domain by WhiteHouse.org)

The Politics of ObamaCare

President Obama may have signed the Affordable Care Act into law, but the truth is ObamaCare isthe result of decades of ideas from both sides of the isle and the health care industry. The idea of anindividual mandate was first presented by current opponents of the law the Heritage Foundation in1989. ObamaCare itself was in fact modeled after "Romney Care", which is the nickname for thehealth care reform law implemented in the State of Massachusetts by then Governor Mitt Romney.

ObamaCare: What is it, and What Does it Mean for AmericanHealth Care?

So what is ObamaCare and what does it mean to you? There are really only a fewthings you need to know about the Affordable Care Act .

The Affordable Care Act contains over a thousand pages of reforms to the insuranceand health care industries in order to combat rising health care costs and to provideaffordable health insurance to more Americans. Despite it's length and complexity,most of the important reforms are contained within the first 140 pages of the law.Check out our summary of the many titles and sections of the Affordable CareAct .

Before the law you could be denied coverage or treatment because you had beensick in the past, be charged more because you were a woman, be dropped mid-treatment for making a simple mistake on your application, and had little or no way to

fight insurance company appeals. Today all Americans have access to a large numberof unprecedented new benefits, rights, and protections .
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As of 2013 there were around 44 million Amer icans who went without healthinsurance (about 16% of the population). The majority of uninsured are workingfamilies and those who simply cannot afford health insurance. One of the majorthings ObamaCare does is help these individuals to get health insurance throughexpanding Medicaid eligibility and offering cost assistance through healthinsurance marketplaces .

The Affordable Care Act reforms Medicare . This includes offering Medicarerecipients the same new benefits, rights, and protections as everyone else as wellreforming many aspects of the Medicare system including cuts to aspects of the

program that weren't working.

Cost assistance subsidies for reduced premiums and reduced out -of-pocket costs areavailable to individuals and families making less than 400% of the Federal PovertyLevel via their State's health insurance marketplace. Small businesses with less than25 full-time equivalent employees making less than $25,000 in average annual wages.Learn more about ObamaCare's subsidies .

As of 2015 large employers will have to provide health coverage to full-timeworkers. This will help to provide coverage to those who aren't covered by subsidized

private insurance or the expansion of Medicaid. Learn more about the employermandate .

Most Americans will have to have health insurance by 2014 or pay a per monthfee on their year-end federal income taxes for every month they go without

coverage . Many Americans will be eligible for subsidized health insurance costinganywhere from 0% - 9.5% of their Modified Gross Adjusted Income .

There are many exemptions to the individual mandate to obtain insurance,including a "short coverage gap" exemption which allows anyone to go withoutcoverage for up to three months in a row without being responsible for the fee. Makesure to sign up by March 15 to avoid the fee in 2014.

What is the ObamaCare Health Insurance Marketplace?

The health insurance marketplace (also known as an exchange) is an online pricecomparison website where Americans can shop for affordable quality insurance andreceive cost assistance for lower premiums, reduced out-of-pocket costs, or evenqualify for Medicaid. Each State has their own health insurance marketplace, findyour State's Health Insurance Marketplace Now .

Those making under 400% of the federal poverty level (FPL) may qualify for costassistance through the marketplace. 400% of the federal poverty level is roughly$46,000 for individuals and $93,500 for families. Cost assistance is only available
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through your State's marketplace. Find out more about what ObamaCare will costyou .

Open enrollment for the ObamaCare Health Insurance Marketplace is fromOctober 1st, 2013 to March 31st, 2014 . You can apply today at healthcare.gov andsee if you are eligible for financial assistance for lower premiums, reduced out-of-

pocket costs, or even Medicaid (Medicaid eligibility is expanded in many States).Insurance purchased before mid-month starts on the 1st of the following month afterthe premium has been paid.

Due to a three month coverage gap exemption you can go up to three months in 2014without health insurance and still avoid the per month fee for not having insurance.Sign up before March 15th to avoid the fee.

Find out how you, your family, and your business can qualify for federally subsidizedhealth insurance. Read the ObamaCareFacts.com Health Insurance MarketplaceGuide .

What Does President Obama Want Us to Understand AboutObamaCare?

President Obama explains that most of the 85% of Americans with health insuranceare already experiencing the bulk of what the program has to offer and have been forthe past 3 years. The individual mandate , employer mandate and health insurancemarketplace will almost exclusively affect the percentage of uninsured Americans orthose who don't like their insurance.

That being said new essential health benefits and preventative services at no out-of- pocket costs, mandatory coverage for pre-existing conditions, the elimination ofannual limits, Medicaid expansion and more kicks in starting 2014 on all planswithou t a grandfathered statu s.

What is ObamaCare / What is Obama Care?What is ObamaCare / What is Health Care Reform?

You've heard of ObamaCare , but what is ObamaCare exactly? ObamaCare (AKA TheAffordable Care Act ) is a US law aimed at reforming the American health care system. ObamaCare's main focus is on providing more Americans with access toaffordable health insurance , improving the quality of health care and health insurance,regulating the health insurance industry, and reducing health care spending in the US.
http://obamacarefacts.com/costof-obamacare.phphttp://obamacarefacts.com/costof-obamacare.phphttp://obamacarefacts.com/costof-obamacare.phphttp://obamacarefacts.com/costof-obamacare.phphttps://www.healthcare.gov/marketplace/individual/https://www.healthcare.gov/marketplace/individual/https://www.healthcare.gov/marketplace/individual/http://obamacarefacts.com/insurance-exchange/health-insurance-exchange-guide.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-exchange-guide.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-exchange-guide.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-exchange-guide.phphttp://obamacarefacts.com/obamacare-individual-mandate.phphttp://obamacarefacts.com/obamacare-individual-mandate.phphttp://obamacarefacts.com/obamacare-individual-mandate.phphttp://obamacarefacts.com/obamacare-employer-mandate.phphttp://obamacarefacts.com/obamacare-employer-mandate.phphttp://obamacarefacts.com/obamacare-employer-mandate.phphttp://obamacarefacts.com/obamacare-health-insurance-exchange.phphttp://obamacarefacts.com/obamacare-health-insurance-exchange.phphttp://obamacarefacts.com/obamacare-health-insurance-exchange.phphttp://obamacarefacts.com/obamacare-health-insurance-exchange.phphttp://obamacarefacts.com/grandfathered-plans.phphttp://obamacarefacts.com/grandfathered-plans.phphttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://obamacarefacts.com/grandfathered-plans.phphttp://obamacarefacts.com/obamacare-health-insurance-exchange.phphttp://obamacarefacts.com/obamacare-health-insurance-exchange.phphttp://obamacarefacts.com/obamacare-employer-mandate.phphttp://obamacarefacts.com/obamacare-individual-mandate.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-exchange-guide.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-exchange-guide.phphttps://www.healthcare.gov/marketplace/individual/http://obamacarefacts.com/costof-obamacare.phphttp://obamacarefacts.com/costof-obamacare.php


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What is ObamaCare?: ObamaCare is the unofficial name for The Patient Protectionand Affordable Care Act which was signed into law on March 23, 2010. Obamacare'shealth care reform does a number of important things including offering Americans anumber of new benefits, rights, and protections in regards to their healthcare andsetting up a Health Insurance Marketplace where Americans can purchase federallyregulated and subsidized health insurance.

(What is ObamaCare ? President Obama Portrait Public Domain by WhiteHouse.org)

The Politics of ObamaCare

President Obama may have signed the Affordable Care Act into law, but the truth isObamaCare is the result of decades of ideas from both sides of the isle and the healthcare industry. The idea of an individual mandate was first presented by currentopponents of the law the Heritage Foundation in 1989. ObamaCare itself was in fact

modeled after "Romney Care", which is the nickname for the health care reform lawimplemented in the State of Massachusetts by then Governor Mitt Romney.

ObamaCare: What is it, and What Does it Mean forAmerican Health Care?

So what is ObamaCare and what does it mean to you? There are really only a fewthings you need to know about the Affordable Care Act .

The Affordable Care Act contains over a thousand pages of reforms to the insuranceand health care industries in order to combat rising health care costs and to provideaffordable health insurance to more Americans. Despite it's length and complexity,most of the important reforms are contained within the first 140 pages of the law.Check out our summary of the many titles and sections of the Affordable CareAct .

Before the law you could be denied coverage or treatment because you had beensick in the past, be charged more because you were a woman, be dropped mid-

treatment for making a simple mistake on your application, and had little or no way tofight insurance company appeals. Today all Americans have access to a large numberof unprecedented new benefits, rights, and protections .

As of 2013 the re were around 44 million Americans who went without healthinsurance (about 16% of the population). The majority of uninsured are workingfamilies and those who simply cannot afford health insurance. One of the majorthings ObamaCare does is help these individuals to get health insurance throughexpanding Medicaid eligibility and offering cost assistance through healthinsurance marketplaces .
http://obamacarefacts.com/benefitsofobamacare.phphttp://obamacarefacts.com/benefitsofobamacare.phphttp://obamacarefacts.com/benefitsofobamacare.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-exchange-guide.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-exchange-guide.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-exchange-guide.phphttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://obamacarefacts.com/affordablecareact-summary.phphttp://obamacarefacts.com/affordablecareact-summary.phphttp://obamacarefacts.com/affordablecareact-summary.phphttp://obamacarefacts.com/affordablecareact-summary.phphttp://obamacarefacts.com/benefitsofobamacare.phphttp://obamacarefacts.com/benefitsofobamacare.phphttp://obamacarefacts.com/benefitsofobamacare.phphttp://obamacarefacts.com/obamacares-medicaid-expansion.phphttp://obamacarefacts.com/obamacares-medicaid-expansion.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-marketplace.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-marketplace.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-marketplace.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-marketplace.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-marketplace.phphttp://obamacarefacts.com/insurance-exchange/health-insurance-marketplace.phphttp://obamacarefacts.com/obamacares-medicaid-expansion.phphttp://obamacarefacts.com/benefitsofobamacare.phphttp://obamacarefacts.com/affordablecareact-summary.phphttp://obamacarefacts.com/affordablecareact-summary.phphttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://vertlinks.com/a/enroll-b?results=health&rf=ocf/?src=vl-healthcarehttp://obamacarefacts.com/insurance-exchange/health-insurance-exchange-guide.phphttp://obamacarefacts.com/benefitsofobamacare.php


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The Affordable Care Act reforms Medicare . This includes offering Medicarerecipients the same new benefits, rights, and protections as everyone else as wellreforming many aspects of the Medicare system including cuts to aspects of the

program that weren't working.

Cost assistance subsidies for reduced premiums and reduced out -of-pocket costs are

available to individuals and families making less than 400% of the Federal PovertyLevel via their State's health insurance marketplace. Small businesses with less than25 full-time equivalent employees making less than $25,000 in average annual wages.Learn more about ObamaCare's subsidies .

As of 201 5 large employers will have to provide health coverage to full-timeworkers. This will help to provide coverage to those who aren't covered by subsidized

private insurance or the expansion of Medicaid. Learn more about the employermandate .

Most Americans will have to have health insurance by 2014 or pay a per monthfee on their year-end federal income taxes for every month they go withoutcoverage . Many Americans will be eligible for subsidized health insurance costinganywhere from 0% - 9.5% of their Modified Gross Adjusted Income .

There are many exemptions to the individual mandate to obtain insurance,including a "short coverage gap" exemption which allows anyone to go withoutcoverage for up to three months in a row without being responsible for the fee. Makesure to sign up by March 15 to avoid the fee in 2014.

The following video contains a short description of what ObamaCare is and whatyou need to know for 2013:

What is the ObamaCare Health InsuranceMarketplace?

The health insurance marketplace (also known as an exchange) is an online pricecomparison website where Americans can shop for affordable quality insurance andreceive cost assistance for lower premiums, reduced out-of-pocket costs, or evenqualify for Medicaid. Each State has their own health insurance marketplace, findyour State's Health Insurance Marketplace Now .

Those making under 400% of the federal poverty level (FPL) may qualify for costassistance through the marketplace. 400% of the federal poverty level is roughly$46,000 for individuals and $93,500 for families. Cost assistance is only availablethrough your State's marketplace. Find out more about what ObamaCare will costyou .
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Open enrollment for the ObamaCare Health Insurance Marketplace is fromOctober 1st, 2013 to March 31st, 2014 . You can apply today at healthcare.gov andsee if you are eligible for financial assistance for lower premiums, reduced out-of-

pocket costs, or even Medicaid (Medicaid eligibility is expanded in many States).Insurance purchased before mid-month starts on the 1st of the following month afterthe premium has been paid.

Due to a three month coverage gap exemption you can go up to three months in 2014without health insurance and still avoid the per month fee for not having insurance.Sign up before March 15th to avoid the fee.

Find out how you, your family, and your business can qualify for federally subsidizedhealth insurance. Read the ObamaCareFacts.com Health Insurance MarketplaceGuide .

What Does President Obama Want Us to UnderstandAbout ObamaCare?

President Obama explains that most of the 85% of Americans with health insuranceare already experiencing the bulk of what the program has to offer and have been forthe past 3 years. The individual mandate , employer mandate and health insurancemarketplace will almost exclusively affect the percentage of uninsured Americans orthose who don't like their insurance.

That being said new essential health benefits and preventative services at no out-of- pocket costs, mandatory coverage for pre-existing conditions, the elimination ofannual limits, Medicaid expansion and more kicks in starting 2014 on all planswithou t a grandfathered statu s.

What Does ObamaCare Do?

Now that we know what ObamaCare is, it's time to find out what the new Health CareReform Bill does beyond the key aspects of the law explained above. Here are someother important aspects of the law:

ObamaCare improves the quality of care that Americans receive by providing better preventative and wellness services and raising the standards of basic health carecoverage.

ObamaCare eli minates pre-existing conditions and gender discrimination meaningno one can be charged more or be dropped from their health insurance coverage forhealth or gender related reasons.

ObamaCare gives tens of millions of low -income and middle-income Americansaccess to quality health care by providing discounts through the Health Insurance
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Marketplace (also known as a Health Insurance Exchange). Find out exactly what theHealth Insurance Marketplace is, and how it works .

Although the Affordable Care Act (ObamaCare) was signed into law in 2010, thehealth care reforms it enacts roll out year by year until 2022. Many of the biggestreforms don't kick in until 2014. Find Out More About ObamaCare Benefits and

Services . ObamaCare helps to ensure that health care coverage is available to any legal U.S.resident who cannot otherwise obtain "quality" healthcare through their employer.Your access to health care is no longer in the hands of health insurance companies.

ObamaCare gives American employers with over 50 full -time equivalent employeesthe choice between providing insurance that meets the standards of ObamaCare or

paying a penalty. This penalty helps to offset the cost of employees who aren'tcovered through their employer to purchase insurance through the public healthinsurance exchanges instead of using emergency services.

Employers with less than the equivalent of 25 full -time equivalent employees mayqualify for tax credits, tax breaks and other assistance for insuring employees throughthe Health Insurance Marketplace.

ObamaCare increases consumer protections. These help to protect you from beingdropped while sick, denied care due to lifetime limits, denied care for pre-existingconditions, and offers Americans a better legal standing against health insurance

companies.

Unless you make over $200,000 individual / $2 50,000 as a family or small businessyou are exempt from almost every tax ObamaCare levies aside from the mandate toobtain insurance.

ObamaCare requires that all Americans have health insurance either through a private provider or through a state or federally assisted program. If you don't haveinsurance you must pay a tax equal to 1% of your income in 2014 and 2.5% in 2016.

ObamaCare expands Medicaid to over 15 million uninsured low -income Americans.

The new health care law aims to reform the healt h care industry by cutting outwaste, reallocating where government funding goes, fixing what doesn't work, andmost of all ensuring health care for Americans.

Now that we've answered the question "What is ObamaCare?" it's time to take a lookat the ObamaCare Facts and find out what its many provisions do for you.
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