What is the Affordable Care Act?

Your Health is Our Priority at Florida Blue Insurance by FB Insurance LLC

The Affordable Care Act (ACA) is the name of the health care reform law and its amendments, which address health insurance coverage, costs, and preventive care. The Affordable Care Act is often referred to as Obamacare since it was signed into law in March 2010 by President Barack Obama.

Under the ACA, those who were previously uninsured due to preexisting conditions or financial circumstances and those who were insured in high premium plans or limited benefit plans may now be eligible for more affordable health plans with essential benefits. The ACA has given millions of people access to quality health care. ACA-compliant plans cover things like annual checkups, maternity and newborn care, prescription drugs, emergency services, mental health services, pediatric services and more.

Who is eligible for ACA plans?

To be eligible to enroll in a Marketplace plan, you must:

Live in the United States
Be a U.S. citizen, national or lawfully present
Not be incarcerated
Have income above 100% of the federal poverty level

However, even if you meet the above eligibility criteria, you’re not eligible to get a Marketplace plan if you’re eligible for Medicare or Medicaid coverage.

In addition to U.S. citizens, here are a few categories of immigrants who can enroll in Marketplace coverage:

Lawful Permanent Resident (LPR) or Lawful Temporary Resident (LTR)
Cuban/Haitian entrant
Asylee and Refugee (eligible if they’ve been granted employment authorization or are under the age of 14 and have had an application pending for at least 180 days)
Temporary Protected Status (TPS)
Work or student visa

To view the full list, click here.

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What is the Affordable Care Act?

Your Health is Our Priority at Florida Blue Insurance by FB Insurance LLC

Who is eligible for ACA plans?

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