An important goal of the law is ensuring that individuals and families have access to affordable, high-quality health coverage. It also makes it much easier for people to shop for private health coverage, to get financial assistance to help pay for private insurance, and to apply for Medicaid.
The District of Columbia established DC Health Link to help people find, compare, and enroll in health coverage that meets their needs and budget. Below is a summary of the major parts of the law that affect individuals and families.
Putting You in the Driver's Seat
Before the Affordable Care Act, the private health insurance market did not work well for many people. You may have been unable to find affordable coverage, been denied coverage, charged a much higher premium if you had medical needs, or learned your health insurance did not cover treatment for your pre-existing medical condition.
Some insurance plans also had annual or lifetime caps on your benefits that may have left you without enough insurance coverage when you were sick. Women of child-bearing age were charged more than men. And some people paid more for coverage if they worked in construction and other high-risk jobs.
The Affordable Care Act changed all that.
- Insurance companies are not allowed to turn you down or charge you more because of a current or past medical condition like diabetes, heart disease, or cancer. They must pay for care related to your condition.
- Insurance companies are not allowed to charge you more because you are a woman of child-bearing age or because of your occupation. There are limits on how much more insurers can charge older people.
- Insurance companies are not allowed to cap your benefits annually or have lifetime dollar caps.
All private health plans available through DC Health Link must cover essential health benefits that include:
- Doctor visits
- Hospital stays
- Emergency room care
- Maternity and newborn care
- Prescription drugs
- Lab tests
- Preventive tests and services
- Rehabilitative and habilitative services and devices
- Chronic disease management
- Mental health care
- Substance use disorder services
- Dental care for children
- Vision care for children
There are no out-of-pocket costs for most preventive services like cancer screenings, immunizations, smoking cessation, and well-baby and well-child visits. For a list of preventive care that must be provided, visit healthcare.gov. Also, there can be no limits on the number of mental health or substance abuse treatment visits.
View the available health plans on DC Health Link.
Federal law requires most Americans to have a minimum level of health coverage. This requirement is known as the individual mandate, and it’s still in effect for the 2017 and 2018 tax years. If you don’t have health coverage that meets the individual mandate requirements, you’ll have to pay a penalty or receive an exemption.