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What is Obamacare?

Obamacare is the nickname for a law Congress passed in 2010. The law is officially known as the “Patient Protection and Affordable Care Act.” It is intended to reform the American healthcare system by providing access to quality, affordable health insurance for nearly every American and reducing the cost of healthcare in the U.S.

Under Obamacare, all health insurance plans must provide the following 10 Essential Health Benefits:

  • 1. Ambulatory patient services.
  • 2. Emergency services.
  • 3. Hospitalization.
  • 4. Maternity and newborn care.
  • 5. Mental health services and addiction treatment.
  • 6. Prescription drugs.
  • 7. Rehabilitative and habilitative services and devices.
  • 8. Laboratory services.
  • 9. Preventive and wellness services and chronic disease management.
  • 10. Pediatric services, including dental and vision care.

Obamacare Plans meet the “minimum essential coverage” requirement of the Affordable Care Act.

You can enroll in an Obamacare Plan only during the Open Enrollment Period -- which begins on November 1, 2018 and ends on December 15th, 2018 for 2019 coverage -- unless you qualify for the Special Enrollment Period.

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