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Affordable Care Act and People with Disabilities

This article provides information on the Affordable Care Act for people with disabilities. This article is adapted from a fact sheet by Disability Rights Texas.

What is the Affordable Care Act (ACA)?

  • The Affordable Care Act (ACA) was a significant overhaul of the healthcare system in the United States. 
  • The goal of the ACA is to reduce the number of uninsured Americans and improve the quality of healthcare. 
  • 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. 

 

How does the Affordable Care Act (ACA) affect 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.

For more information from this article by Disability Rights Texas

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If You Have Questions

If you have questions about the Health Insurance Marketplace, visit https://www.healthcare.gov or, for Spanish, https://www.cuidadodesalud.gov/es/. You can also call (800) 318-2596, 24 hours a day, 7 days a week. TTY users should call (855) 889-4325. Online chat is also available 24/7.

For local help, https://localhelp.healthcare.gov/ allows consumers to search by city, state, or zip code to see a list of all local organizations certified to assist individuals with marketplace questions and enrollment.