The law has 2 parts: the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act. You can view them in PDF or HTML. Entitled The Patient Protection and Affordable Care Act. Be it enacted by the Senate and House of Representatives of the United States of America in Congress. [For continuous pagination in electronic, PDF version, add 19 pages]. Page. Patient Protection and Affordable Care Act (Public Law –).
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Are you interested in reading the entire Affordable Care Act Bill? It is available to download. 6 the Patient Protection and Affordable Care Act ( 7. U.S.C. u–11), as amended by section of the 21st. 8. Century Cures Act, is. H.R. (th): Patient Protection and Affordable Care Act. Compare to a previous version to see how the bill has changed: (Select Other Download PDF .
In June , the Supreme Court ruled that the Individual Mandate requirement of the law was constitutional and therefore, held that the main intent of the law, requiring every American to have health insurance, was lawful. There are new challenges to different provisions of the law reaching the courtroom floor every day and it will be interesting to see what the next big issue will be.
In , a few federal district courts held that the plain language of the law stated that the federal subsidy would only available to people living in states with their own state exchange. It was argued that this was not a design flaw, but an attempt by the authors to compel all of the states to have their own exchange.
This would take a big burden off of the federal government so that the money in the budget could go to subsidies and program funding instead of to a website and the administration of it. In June , the Supreme Court ruled that subsidies tax credits were legal in all states regardless of whether a state had set up its own exchange or not.
No matter where you live, you can get cost assistance on the marketplace to reduce your monthly premium. A more recent and successful challenge to Obamacare argued that cost-sharing reduction payments, which are paid to insurers to reduce cost-sharing amounts to low-income customers, were not being appropriately funded as required by law.
The Obama administration appealed this decision, but the Trump administration is upholding that decision and cutting off CSR payments. How this will play out over the next few years remains to be seen. For updates and other information on the Affordable Care Act, be sure and check out our news section, which is updated regularly.
Are Work Requirements for Medicaid Legal? That would reduce the growing cost of Medicare and Medicaid. Going to the doctor or the hospital has become very expensive.
Most people get health insurance as a benefit from their employer. The company usually pays part of the monthly cost, known as a premium. What happens to the people whose jobs don't provide health insurance and people without jobs?
Some of them are poor enough to qualify for Medicaid, paid for by state and federal governments. Those who are older than 65 receive Medicare.
They pay premiums that the federal government subsidizes. What happens to people who make too much money for Medicaid, are too young for Medicare, but don't get insurance from their jobs? Before Obamacare, many just did without it and took their chances.
Some had a chronic illness, called a " pre-existing condition ," and the insurance companies wouldn't even offer them coverage. There were anywhere from 32 million to 50 million people who didn't have health insurance.
If something happened and they had to go to the hospital, they often just didn't pay the bill. The hospital charged it to an emergency Medicaid plan.
Here's how it affects your family and people you know. These exchanges also let people know when they qualify for tax credits.
Obamacare is paying for most of the cost of operating these exchanges. The only exceptions are plans that existed March 23, Parents can add their adult children up to age 26 to their plans. If anyone gets sick, the insurance company can't drop them from the plan or limit how much insurance your family uses.
If anyone is chronically ill, a new insurance company can't deny coverage. Wellness and pregnancy exams are now free. That includes copayments. Insurance companies can't raise premium payments without approval from state governments.