Is the Affordable Care Act nationwide?
Asked by: Jaclyn Gislason | Last update: September 15, 2025Score: 4.2/5 (26 votes)
Is the Affordable Care Act 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.
What states do not participate in the Affordable Care Act?
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.
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.
Does Obamacare cover me in other states?
And now, back to John's question. If you move to another state, you will need to enroll in a new plan through that state's exchange or buy on the open market.
Here's Why the Affordable Care Act Is So Controversial | History
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.
Who is not eligible for Affordable Care Act?
You are not eligible for Obamacare if: You do not live in the U.S. You are incarcerated. You are not a U.S. citizen, U.S. national, or lawfully present noncitizen in the U.S.
Which state has the best ACA plans?
What states offer free health insurance?
What states refuse 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.
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 the Affordable Care Act the same as Obamacare?
The Affordable Care Act (ACA), formally known as the Patient Protection and Affordable Care Act (PPACA) and informally as Obamacare, is a landmark U.S. federal statute enacted by the 111th United States Congress and signed into law by President Barack Obama on March 23, 2010.
What is the biggest problem with the Affordable Care Act?
Impact on Individual Insurance
It was also known that consumers would face a very different health insurance world under the ACA, with some people seeing their premiums go down and some seeing them go up, and the majority of Americans seeing higher deductibles, higher copays, and a smaller pool of providers.
Does Obamacare cover surgery?
All plans offered in the Marketplace cover these 10 essential health benefits: Ambulatory patient services (outpatient care you get without being admitted to a hospital) Emergency services. Hospitalization (like surgery and overnight stays)
Who pays for Obamacare?
Here, we take a closer look at the coverage options and costs associated with ACA subsidies, and how they fit into overall healthcare spending. The federal government subsidizes health insurance for over 150 million Americans through various programs and tax benefits.
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.
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 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.
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.
How can I avoid paying back my premium tax credit?
Report any changes in your income during the year to the Marketplace, so your credit can be adjusted and you can avoid any significant repayments at the end of the year.