Covered CA and the ACA: The Road So Far

Resources of information include, but are not limited to, the following:


U.S. Department of of Health & Human Services

Kaiser Family Foundation

the White House

The Affordable Care Act Three Years Post-Enactment

Three years ago, on March 23, 2010, the Affordable Care Act (ACA) was signed into law. Although the date for full implementation of most provisions of the law is January 1, 2014, the ACA has already had an impact on the goals of expanded coverage of the uninsured, improved access and better care delivery models, broader access to community-based long-term care, and more integrated care and financing for beneficiaries who are dually eligible for Medicare and Medicaid. Although the ACA remains controversial, with many debates about its future as well as provisions already implemented, implementation is proceeding.

More portions of the 2010 Affordable Care Act (ACA) kick in this year as the law aims to increase access to affordable healthcare. Different parts of federal healthcare reform were scheduled to go into effect gradually. Several requirements took effect over the last two years and more changes will come this year and next. Anyone who is not covered by MediCal but meets income guidelines will have to buy health insurance through Covered CA in order to receive government subsidies for premiums and out-of-pocket costs.

The ACA  is making health care work better for all of us, even if you already have insurance. It puts the health of your family first—ensuring access to free preventive care and protecting consumers from insurance company abuses.

The ACA already:

  • Bars insurance companies from denying coverage to children who have pre-existing conditions.
  • Prohibits insurance companies from dropping your coverage because you get sick.
  • Enables uninsured people with pre-existing conditions to get coverage through a high-risk pool.
  • Eliminates lifetime coverage limits and restricts annual limits.
  • Allows you to keep your children on your plan until they turn 26.
  • Starts closing the Medicare prescription drug “donut hole” with a $250 rebate for people who fall into the hole, and a 50 percent discount on brand-name drugs in the donut hole.
  • Provides grants to states for consumer assistance programs.
  • Begins payment reforms and incentives to encourage doctors and hospitals to provide more efficient and higher-quality care and reduce preventable hospital readmissions.


Much remains to be put in place leading up to 2014. This flyer ( click here ) summarizes ACA-related activities to date in terms of tangible benefits and policy changes on the ground with respect to private insurance and Exchanges, Medicaid coverage, access to primary care, preventive care, Medicare, and Medicare and Medicaid dual eligible beneficiaries.