The bill's impact on personal health care costs would be uneven: Premiums would likely go down for younger people, but older people would pay more. Out-of-pocket costs to cover insurance deductibles and co-payments would go up.
For those who believe the government is too involved in health care, the
Obama law: States have the option to expand Medicaid to cover more low-income adults. Feds pick up a generous share of the cost, no less than 90 percent. Medicaid covers some 70 million people, from newborns to elderly nursing home residents.
More significantly, ends Medicaid's longtime status as an open-ended entitlement, with
Obama law: People cannot be denied coverage because of pre-existing medical problems, nor can they be charged more because of poor health.
SUBSIDIES FOR PRIVATE INSURANCE
Obama law: Provides two kinds of subsidies for people who don't have access to coverage on the job. Income-based subsidies help with premiums and with out-of-pocket costs such as deductibles and copayments. Premium subsidies keyed to the cost of a midlevel "silver" plan.
Obama law: Insurers cannot charge their oldest customers more than 3 times what they charge young adults.
MANDATES TO CARRY HEALTH INSURANCE
Obama law: Requires those deemed able to afford coverage to have a policy or risk fines from the
STANDARD HEALTH BENEFITS
Obama law: Requires all insurance plans to cover services from 10 broad "essential services," including hospitalization, office visits, prescriptions, maternity and childbirth, substance abuse treatment, rehabilitation, and preventive services, including birth control at no additional charge for women.
Obama law: Medicaid expansion has enabled many states to provide comprehensive treatment to people caught in the opioid epidemic.
Obama law: Raised taxes on upper-income people and health care companies to finance coverage expansion.
Obama law: Private health insurance plans sold to people who receive federal subsidies can cover abortion. However, they must collect a separate premium, strictly segregated from taxpayer funds.
This story has been corrected to say that the