Affordable Care Act and People with Disabilities

• Insurers cannot deny coverage due to pre-existing conditions. 
• It prohibits health plans from putting annual and lifetime limits on most benefits. 
• Through the law, health insurance marketplaces have been created across the country to provide affordable coverage to those who need or want it, and who are eligible. 
• All plans in the ACA Marketplace and all other "non-grandfathered plans" will have a cap on what insurance companies can require beneficiaries to pay in out-of-pocket expenses such as co-pays and deductibles.
• The ACA requires free preventative care such as wellness services and screenings.
• Free prevention and wellness services and screenings will also be available for individuals on Medicare.
• It requires the development of federal standards for accessible medical exam and diagnostic equipment.
• It requires that all plans provide certain essential health benefits (EHBs). These are: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment services and drug treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventative and wellness services and chronic disease management; and pediatric services including dental and vision care.

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