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What is the Affordable Care Act (ACA)?

The ACA is a healthcare reform law that was passed in 2010 with the goal of providing affordable healthcare for families. Here are some key elements of the reform. 

  • There are no underwriting rules.
  • Everyone is guaranteed issue, regardless of their medical history.
  • There are no pre-existing condition guidelines.
  • There is no lifetime max for a policy.
  • There are specified enrollment periods.
  • Each plan must cover the Ten Essential Health Benefits (EHBs).