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Obamacare Health Coverage for Individuals and Families

Our Statement on the Affordable Care Act:

Concerns about the future of the Affordable Care Act should not discourage individuals from obtaining or maintaining their health coverage, including Marketplace plans. Changing the Affordable Care Act is a complex process that will take considerable time and effort. This, coupled with bipartisan concerns about preventing any sudden loss of coverage for Americans who rely upon Marketplace coverage, should provide reassurance that Marketplace plans are likely to remain in place throughout 2017. UPMC Health Plan will be closely monitoring Washington’s efforts, and we are committed to continue providing affordable, high-quality health coverage to our subscribers, even in an uncertain regulatory environment.

(Updated: March 23, 2017)

Health care reform. Obamacare. The Affordable Care Act. Though the names have changed since the Act was signed into law in March 2010, certain principles remain the same. It aims to make health insurance — and health care — accessible to more Americans. Let's talk about three parts of the law that help this goal: essential health benefit coverage, preventive services at no cost, and expanded access to coverage.

Essential Health Benefits

Essential Health Benefits


Another key part of the Affordable Care Act's (ACA) reforms is a focus on preventive care. No-cost coverage of preventive health care services is mandatory for most individual health plans. Vaccinations, health screenings, and well-baby visits are examples of services that may be offered at no cost. Not all preventive services are recommended for every patient every year. So talk to your doctor about the preventive services that are recommended for you.


Health care costs can add up quickly. The ACA (Obamacare) is designed to curb costs for everyone. Another key feature is that, depending on your household income, you could qualify for a government tax credit to help you pay for your insurance coverage. Try our tax credit calculator to see if you are likely to qualify.

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