The Patient Protection and Affordable Care ACT 2010, also known as The Affordable Care Act or ObamaCare, is America’s new health care reform law. The Act was signed into law by President Barack Obama on March 23, 2010.

ObamaCare is a national health plan designed to improve the American health care system. You have access to its benefits through the Health Insurance Marketplace, which offers federally regulated and subsidized health insurance.

Each state has its own Marketplace, also called the Health Insurance “Exchange.” In here, you are able to compare health insurance options and find a health plan that meets your needs and fits your budget.

The main focus of The Affordable Care Act is providing more Americans with access to affordable health insurance while improving the quality of health care and health insurance, regulating the health insurance industry, and reducing health care spending in the U.S.

The bill also offers Americans:

  • New essential health benefits and preventive services at no out-of-pocket costs.
  • Mandatory coverage for pre-existing conditions.
  • The elimination of annual limits.
  • And more…

The law states that by 2014 all non-exempt Americans need to have health insurance or they will face a tax penalty. If you can afford health insurance but choose not to buy it, you must pay a fee known as the Individual Shared Responsibility Payment. If you can’t afford it, you may qualify for an exemption and you won’t have to pay any penalties.

When you get coverage in the Marketplace, you may be able to get lower costs on monthly premiums depending on your income and family size. You may also be able to get lower costs on deductibles, copayments, and coinsurance.

To apply for ObamaCare you can do it online  healthcare.gov/individual/  or by phone  healthcare.gov/contact-us/

To read the Full Text of The Affordable Care Act and Reconciliation Act, visit  housedocs.house.gov

Whether you need health coverage or you have insurance already, the law offers new rights and protections that make coverage fairer and easier to understand.


1. If my job offers insurance can I opt for Obama Care instead?

A. Yes. You can almost always opt for Obama Care instead of options from your employer. While there are exceptions to every rule, most individuals and families can decide to pay for Obama Care plans, even if one or more of their employers does offer an insurance plan. The only issue that may be encountered is that if the plan offered by your employer includes all the mandated provisions in the Affordable Care Act, or Obama Care, there may be no discounts available, and you will pay full marketplace price.

2. How can I reach a live person to talk to? I have so many questions!

A. The help line for the Affordable Care Act can be reached at 1-800-318-2596. This number can be reached 24 hours a day, 7 days a week to answer any questions. In addition, limited questions can be answered through their live chat system on healthcare.gov.

3. What is the last day to enroll in either Obama Care or a comparable health care plan before I am penalized?

A. The last day to enroll in Obama Care is March 31, 2014. This ends open enrollment, and after this date, it may become hard for you to move forward with your enrollment.

4. I already have Medicare. Do I need to apply for Obama Care?

A. No. If you already have Medicare, then you are considered to be covered for health insurance in the United States. You do not need to make any changes unless your financial situation changes and you no longer qualify for previous Medicare benefits.

5. I’m self-employed and do not have health insurance. How do I best handle this situation?

A. You will not need to apply as a business in this situation, but as an individual, or on a family plan if you plan to include any individuals in your immediate family. You can qualify for business plans once you add employees to your company. However, in the meantime, as a self-employed individual, you will be eligible for an individual or family plan.