Center For American Progress
President Barack Obama signed the Patient Protection and Affordable Care Act, or ACA, into law on March 23, 2010. Many Americans have already benefited from the ACA, and millions more will benefit as the law fully comes into effect. By January 1, 2014, the law’s provisions will be underway, ensuring that millions of Americans will be able to afford the health care that they need.
This guide will help couples and parents who are lesbian, gay, bisexual, and transgender, or LGBT, understand how the ACA benefits LGBT people and their families. The guide provides a basic overview of the Affordable Care Act, a review of how the act helps you and your family, and an explanation of how you and your family can access affordable health insurance.
Health Insurance Marketplaces
The Affordable Care Act established online Health Insurance Marketplaces, and starting January 1, 2014, each state will offer its own Marketplace system. Some Marketplaces will be run by the state itself, some through a partnership with the federal government, while others will be run by the federal government alone.
The Marketplaces will act as a one-stop shop for health insurance. Every American will be able to buy insurance directly through his or her Marketplace website, hotline, or physical office and receive assistance from unbiased consumer-assistance agents called “Navigators.”
An overview of the Affordable Care Act
The ACA requires nearly all Americans to have access to affordable health insurance starting in 2014. If you cannot get insurance for yourself or your family through your employer, you will be able to buy insurance through your state’s Health Insurance Marketplace.
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