A majority of Americans get their health insurance through their employer or a government program, and a minority need to buy it through the individual marketplace, which is sometimes also called a health exchange.
But the law, passed in 2010, has other provisions that gave coverage and insurance protections to millions more Americans, including:
* Keeping young adults on their parents health insurance until they turn 26.
* In conjunction with the Affordable Care Act, several states including
* Elimination of lifetime and annual limits on coverage.
* Before the law, people who needed expensive and unexpected health care for cancer, for example, could find out their plan would only pay up to a certain amount, like for instance
* The consumer would then be on the hook to pay for the rest, sometimes hundreds of thousands of dollars.
* Eliminating of pre-existing condition exclusions for coverage.
* Insurers can no longer reject people because of past health conditions.
* Insurers cannot charge women more than men.
* Private health insurance plans generally must provide coverage for an additional set of preventive health services for women without cost-sharing requirements.
* The medical loss ratio provisions in the Affordable Care Act limit the amount of premium dollars insurers can spend on administration, marketing, and profits.
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