Is Obamacare nationwide?
Asked by: Dr. Dorothea Bosco Jr. | Last update: October 28, 2025Score: 4.9/5 (67 votes)
Is Obamacare available in all states?
The Affordable Care Act (ACA) requires every state to have a health insurance exchange or marketplace. These exchanges allow individuals and small businesses to purchase their own health insurance coverage or get financial assistance through Medicaid, CHIP, or premium tax credits.
Is Obamacare accepted everywhere?
Just like any other health plan, your Marketplace plan may not be accepted by every doctor, hospital, or provider. Many Marketplace insurance plans have limited or “narrow” networks of doctors and hospitals that agree to accept these lower negotiated prices.
What insurance is accepted in all 50 states?
Medicare is run by the federal government, which is why Original Medicare coverage is the same in every state and includes nationwide access to providers.
Which states don't participate in Obamacare?
The Affordable Care Act, also known as Obamacare, was enacted in 2010, but 10 states have not expanded Medicaid, the federal-state program that provides health care for low-income people. They are Alabama, Florida, Georgia, Kansas, Mississippi, South Carolina, Tennessee, Texas, Wisconsin and Wyoming.
Obamacare Sees Less Than 1 Pct. Enroll Nationwide
Can I use Obamacare in any state?
When you're traveling outside of California, your insurer doesn't matter: You are only eligible to have emergency and urgent medical services covered. “None of our plans have out-of-state networks,” Lopez says.
Which state has the best ACA plans?
Does Obamacare cover out of state?
What if I Have a Health Emergency in Another State? One of the essential health benefits of ObamaCare is that all emergencies must be covered at in-network costs. So you don't have to worry if you break your arm in hiking in Utah but your plan is in California.
What is Obamacare called now?
Affordable Care Act (ACA) The comprehensive health care reform law was enacted in March 2010. A measure of income issued every year by the Department of Health and Human Services (HHS).
Can I refuse health insurance from my employer and get Obamacare?
Obamacare is available to everyone, whether or not their employers offer insurance. From a practical standpoint, though, there are financial consequences to doing this. Often, an employer subsidizes part or all of their employees' coverage.
Is there an alternative to Obamacare?
There are some alternatives to consider, including short-term medical, private health insurance, zero deductible plans or fixed indemnity plans, and faith-based plans.
Who actually pays for Obamacare?
The federal government covers 90% of the cost of Medicaid expansion. Individual Mandate: The ACA also originally included an “individual mandate” or requirement for most people to maintain health insurance.
What is the average deductible for Obamacare?
KFF also reported the average 2024 deductible for marketplace plans sold via HealthCare.gov, (combined for medical and prescription drugs) by metal rating: $7,258 for Bronze plans, $5,241 for Silver plans, $1,430 for Gold plans, and $97 for Platinum plans.
What is the best HealthCare insurance?
Investopedia's analysis ranks Kaiser Permanente as the best health insurance company for 2025 because of its blend of affordability and low customer complaints. UnitedHealthcare and Aetna also earned top marks. We evaluated nine insurers using dozens of criteria, such as customer satisfaction, plan types, and costs.
Who is not eligible for Obamacare?
Must live in the United States. Must be a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses. Cannot be incarcerated in prison or jail.
What is the best health insurance for unemployed people?
The best health insurance for unemployed individuals depends on your specific needs and financial situation. Medicaid offers health coverage for those with little to no income. For others, the Health Insurance Marketplace may provide affordable plans, especially for those eligible for financial help to lower costs.
What disqualifies you from the premium tax credit?
For tax years other than 2021 and 2022, if your household income on your tax return is more than 400 percent of the federal poverty line for your family size, you are not allowed a premium tax credit and will have to repay all of the advance credit payments made on behalf of you and your tax family members.
What is the most expensive health insurance in the USA?
Platinum health insurance is the most expensive type of health care coverage you can purchase. You pay low out-of-pocket expenses for appointments and services, but high monthly premiums. Plans typically feature a small deductible or no deductible and cheap copays or coinsurance.
What is the difference between ACA and Obamacare?
Obamacare is the nickname for the Affordable Care Act (ACA), which was signed into law by President Barack Obama in 2010. The act brought significant changes to the U.S. healthcare system by reducing the amount paid by individuals and families for uncompensated care.
What states do not have Obamacare?
Ten states—Alabama, Florida, Georgia, Kansas, Mississippi, South Carolina, Tennessee, Texas, Wisconsin, and Wyoming—have not expanded Medicaid eligibility under the Affordable Care Act to individuals with incomes up to 138% of the federal poverty level.