How does the Affordable Care Act affect my health insurance?

The Affordable Care Act (ACA) is a federal law that has changed the health insurance landscape in North Dakota and throughout the United States. The ACA has helped to increase access to health insurance and decrease the cost of premiums for many individuals and families. Under the ACA, health insurers are required to provide certain essential health benefits, such as preventive care, emergency services, maternity and newborn care, mental health and substance abuse services, and prescription drug coverage. In addition, health insurers are no longer able to turn away individuals with preexisting conditions or charge them more for coverage. The ACA also requires that all U.S. citizens and legal residents have health insurance or pay a tax penalty. For individuals who do not qualify for employer-sponsored insurance or public programs like Medicare and Medicaid, the ACA offers government subsidies to help make private health insurance more affordable. The ACA also created a health insurance marketplace in North Dakota where individuals and families can shop for private health insurance plans and compare the coverage and cost of different plans. The ACA has significantly changed the health insurance landscape in North Dakota and throughout the United States. It has helped to make health insurance more accessible and more affordable for individuals and families.

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How does the Affordable Care Act affect my health insurance?

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