What Consumer Protections are Embedded in the Affordable Care Act?

Consumer protections and market reforms designed to end certain insurer practices and address barriers to health care coverage, quality and access are central to the Affordable Care Act, which became law on March 23, 2010. Many of these protections already apply. Others will be rolled out by 2014.

  • A major goal of the Affordable Care Act (ACA) is to improve the U.S. health care system by regulating insurance companies and introducing new consumer protections. 
  • Key provisions limit insurers’ ability to deny, limit or cancel coverage, end annual and lifetime spending caps and ensure that more premium dollars are spent on delivering and improving care.
  • The ACA extends coverage for people with pre-existing conditions and young adults. 

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