The Affordable Care Act (ACA) and Qualified Health Plans (QHP's)
The Affordable Care Act (ACA)
Enacted in 2010, the Affordable Care Act (ACA) expanded health insurance coverage to more than 20 million people by increasing benefits and lowering health insurance costs to make coverage more affordable.
Consumer protections and benefits provided by the ACA include:
Providing coverage for people with pre-existing conditions
Eliminating annual and lifetime dollar limits on health insurance coverage
Providing free preventive care
Allowing young adults to remain on their parents' plan until they are 26 years old
Allowing people to compare health insurance coverage options before selecting a plan
Providing premium tax credits to people who qualify to help lower health insurance costs
Increasing access to Medicaid
Qualified Health Plans (QHP's)
Qualified Health Plans are insurance plans certified by the marketplace.
QHP's provide Essential Health Benefits, follow established limits on cost-sharing (such as deductibles, copayments and out-of-pocket maximum amounts), and meet other requirements of the ACA.
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This website is not the Health Insurance Marketplace located at healthcare.gov or the Illinois State Exchange located at getcovered.illinois.gov.
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