The Affordable Care Act

Get the facts about the legislation.

In 2010, President Obama signed the Affordable Care Act (ACA) into federal law. The legislation improves access to quality, affordable healthcare for all Americans, regardless of income level, work situation, or health status. HealthSource RI will play a critical role in making this happen here in Rhode Island.

Here are some of the major changes you can expect from the ACA:

If you’re sick, you can no longer be charged more for health insurance.

The ACA ensures that by 2014, no health insurance company can charge you more for coverage if you’re sick or have a pre-existing condition. In fact, the price of your health insurance will be based solely on your age and family size. That’s it.

You can say goodbye to “lifetime” or “annual limits.”

The ACA bars insurance companies from setting lifetime or yearly limits on your coverage. That means they can’t stop paying for your healthcare if the bill gets too high.

You can count on free preventive care.

The ACA enables you to receive services like immunizations, blood pressure screenings and mammograms without paying a co-pay at the doctor’s office. Find a complete list of free services here.

You can qualify for tax credits that lower the cost of your care.

Buying health insurance through HealthSource RI may qualify you for tax credits that help you pay for your coverage, depending on your income and family size. Individuals making up to $45,960 a year, couples making up to $62,040 a year, and a family of four making up to $94,200 may qualify. Use our calculator to check your eligibility.

If you’re a small employer, you may qualify for tax credits.

If your business has fewer than 25 full-time employees earning an average of less than $50,000 per year, you may qualify for tax credits for up to 50% of what you spend on monthly premiums. Learn more here.

  • Interested in learning more?
    Here are some additional resources that can help:

    • Learn about healthcare reform and the ACA with an animated video produced by the Kaiser Family Foundation, a nonpartisan source for health information.
    • Check out Kaiser Family Foundation’s health reform FAQs.
    • Visit for valuable tools and information.