The Affordable Care Act


The Affordable Care Act - Section by Section

Title 1: Quality, Affordable Healthcare for all Americans
This Act puts individuals, families and small business owners in control of their health care. It reduces premium costs for millions of working families and small businesses by providing hundreds of billions of dollars in tax relief – the largest middle class tax cut for health care in history.  It also reduces what families will have to pay for health care by capping out-of-pocket expenses and requiring preventive care to be fully covered without any out-of-pocket expense. For Americans with insurance coverage who like what they have, they can keep it. Nothing in this act or anywhere in the bill forces anyone to change the insurance they have, period.


Title 2: The Role of Public Programs
The Act extends Medicaid while treating all States equally.  It preserves CHIP, the successful children’s insurance plan, and simplifies enrollment for individuals and families.

It enhances community-based care for Americans with disabilities and provides States with opportunities to expand home care services to people with long-term care needs.


Title 3: Improving the Quality and Efiiciency of Healthcare
The Act will protect and preserve Medicare as a commitment to America’s seniors.  It will save thousands of dollars in drug costs for Medicare beneficiaries by closing the coverage gap called the “donut hole.”  Doctors, nurses and hospitals will be incentivized to improve care and reduce unnecessary errors that harm patients.  And beneficiaries in rural America will benefit as the Act enhances access to health care services in underserved areas


Title 4: Prevention of Chronic Disease and and improving Public Health
The Act will promote prevention, wellness, and the public health and provides an unprecedented funding commitment to these areas.  It directs the creation of a national prevention and health promotion strategy that incorporates the most effective and achievable methods to improve the health status of Americans and reduce the incidence of preventable illness and disability in the United States.


Title 5: Health Care Workforce
The Act funds scholarships and loan repayment programs to increase the number of primary care physicians, nurses, physician assistants, mental health providers, and dentists in the areas of the country that need them most.  With a comprehensive approach focusing on retention and enhanced educational opportunities, the Act combats the critical nursing shortage.  And through new incentives and recruitment, the Act increases the supply of public health professionals so that the United States is prepared for health emergencies.


Title 6: Transparency and Program Integrity
The Act helps patients take more control of their health care decisions by providing more information to help them make decisions that work for them.  And it strengthens the doctor-patient relationship by providing doctors access to cutting edge medical research to help them and their patients make the decisions that work best for them.



Title 7: Improving Access to Innovative Medical Therapies
The Act promotes innovation and saves consumers money. It extends drug discounts to hospitals and communities that serve low-income patients. And it creates a pathway for the creation of generic versions of biological drugs so that doctors and patients have access to effective and lower cost alternatives.


Title 8: Community Living Assistance Services and Supports ACt (Class Act)
The Act provides Americans with a new option to finance long-term services and care in the event of a disability.

It is a self-funded and voluntary long-term care insurance choice. Workers will pay in premiums in order to receive a daily cash benefit if they develop a disability. Need will be based on difficulty in performing basic activities such as bathing or dressing.  The benefit is flexible: it could be used for a range of community support services, from respite care to home care.

Continue to Title 8

Title 9: Revenue Provisions
The Act makes health care more affordable for families and small business owners by providing the largest middle class tax cuts for health care in American history.  Tens of millions of families will benefit from new tax credits which will help them reduce their premium costs and purchase insurance. Families making less than $250,000 will see their taxes cut by hundreds of billions of dollars.


Title 10: Reauthorization of the Indian Healthcare Improvement Act
The Act reauthorizes the Indian Health Care Improvement Act (ICHIA) which provides health care services to American Indians and Alaskan Natives. It will modernize the Indian health care system and improve health care for 1.9 million American Indians and Alaska Natives.

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