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FAQs

The Affordable Care Act (ACA)
Below are answers to some of the most common questions about ACA regulations:

  • What is the ACA?
    The ACA, also known as "Obamacare," is a federal law enacted in 2010 to expand health insurance access, protect consumers from insurance practices, and reduce healthcare costs.

  • Enrollment dates and Deadlines?
    November 1: Open Enrollment starts

    December 15: Last day to enroll in or change plans for coverage to start January 1.

    January 15: Open Enrollment ends for plans to start Feb. 1

  • What are premium tax credits?
    Premium tax credits help lower-income individuals and families afford coverage. Eligibility depends on household income and size. Learn more from the IRS.

  • What are essential health benefits?
    All ACA-compliant plans must cover a set of 10 essential benefits, including preventive care, maternity care, and prescription drugs. Full details are available on Healthcare.gov.

  • Tax form 1095

  • Medicaid and Chip

For further guidance, visit trusted resources like the IRS ACA Center or Healthcare.gov.