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Principles of Risk Management and Insurance, 13th Edition by Michael McNamara, George E. Rejda

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Basic Provisions of the Affordable Care Act

The Affordable Care Act (ACA) has made health insurance available to millions of uninsured ­Americans. It provides substantial subsidies to ­uninsured individuals and small business firms, and contains provisions to lower healthcare costs in the long run. The ACA also has numerous provisions that prohibit insurers from issuing policies with abusive provisions that harm consumers. The ACA is complex and beyond the scope of this text to discuss in detail. Instead, we focus primarily on certain provisions that primarily affect individuals and families, employers, insurers, and healthcare providers. These provisions include the following:13

  • Prohibition of Harmful Insurer Practices

  • Individual Mandate

  • Essential ...

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