Rights and Protections under the Affordable Care Act
Part of the Affordable Care Act For Dummies Cheat Sheet
Copyright © 2014 AARP. All rights reserved.
Whether you need health coverage or have it already, the health care law offers new rights and protections that make coverage fairer and easier to understand.
Some rights and protections apply to plans in the Health Insurance Marketplace or other individual insurance, some apply to job-based plans, and some apply to all health coverage.
Use this guide to learn about your rights and protections today; go to HealthCare.gov.
How the healthcare law protects you
Creates the Health Insurance Marketplace, a new way for individuals, families, and small businesses to get health coverage
Requires insurance companies to cover people with pre-existing health conditions
Helps you understand the coverage you’re getting
Holds insurance companies accountable for rate increases
Makes it illegal for health insurance companies to arbitrarily cancel your health insurance just because you get sick
Protects your choice of doctors
Covers young adults under 26
Provides free preventive care
Ends lifetime and yearly dollar limits on coverage of essential health benefits
In addition to the rights and benefits included in this guide, here are some others:
Breastfeeding equipment and support
Birth control methods and counseling
Mental health and substance abuse services
Appealing a health plan decision
Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)