What is the ACA?

The Affordable Care Act (ACA) is a law aimed at improving the United States' healthcare system. It does this by making health insurance available to more Americans. The law also protects people who already have health insurance. The ACA is comprised of two separate laws, the Patient Protection and Affordable Care Act (PPACA) and the Health Care and Education Reconciliation Act (HCERA), which were signed into law by President Barack Obama on March 23, 2010, and March 30, 2010, respectively. Additionally, regulations passed subsequent to ACA provide relevant guidance.

Critical features of the ACA include clear health insurance coverage options for individuals, families and businesses, and new ways to hold insurance companies accountable. These sweeping changes took effect on October 1, 2013, when the state and federal health insurance marketplaces opened for enrollment, making it possible for all Americans to obtain high quality, affordable insurance.

At Benefit Advocates, we know that the changes under the ACA are potentially overwhelming. That's why we are here to help. Through this website and our Benefit Advocates Agency, we are will strive to help you with the navigation. Call us at 515-254-1900. We will provide you with information and answers you need to make the right decisions for you, your family and your business.