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What is ACA?

The Affordable Care Act (ACA), often called "Obamacare," is a law that was passed in 2010 to make health insurance more affordable and accessible for many Americans.

A Brief History of the ACA

A Brief History of the ACA

What the ACA Does

Makes Insurance More Affordable

The ACA provides financial assistance to help lower the cost of health insurance for people with low and moderate incomes.

Expands Medicaid

The law expands Medicaid to cover more low-income adults in many states.

Protects Consumers

Insurance companies can't deny coverage or charge more because of pre-existing conditions, and they must cover essential health benefits like emergency services, maternity care, and prescription drugs.

Individual Mandate

For several years, the ACA required most people to have health insurance or pay a penalty. This mandate has been reduced to $0 starting in 2019, but the requirement technically still exists.

What the ACA Does

Makes Insurance More Affordable

The ACA provides financial assistance to help lower the cost of health insurance for people with low and moderate incomes.

Expands Medicaid

The law expands Medicaid to cover more low-income adults in many states.

Protects Consumers

Insurance companies can't deny coverage or charge more because of pre-existing conditions, and they must cover essential health benefits like emergency services, maternity care, and prescription drugs.

Individual Mandate

For several years, the ACA required most people to have health insurance or pay a penalty. This mandate has been reduced to $0 starting in 2019, but the requirement technically still exists.


Who is Eligible for Marketplace Enrollment?


To be able to enroll in the ACA’s Marketplace:

The ACA has helped millions of Americans get the health care they need, making it easier for everyone to get the right coverage at a price they can afford.

Who is Eligible for Marketplace Enrollment?


To be able to enroll in the ACA’s Marketplace:

In summary, IUL insurance offers a blend of lifelong coverage, growth potential tied to market performance, and flexibility, making it a valuable option for those looking to secure their financial future and provide for their loved ones.

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