The Patient Protection and Affordable Care Act (ACA) was passed by Congress in 2010. Along with the Health Care and Education Reconciliation Act, these two laws make up what is known as the federal health reform law. These laws created a number of changes that primarily affect private and public health insurance programs. Some key changes include:
- A mandate that a health insurance exchange (or “marketplace”) be established in each state, administered by the state or the federal government.
- An end to lifetime limits on coverage.
- Certain preventive health services, such as annual exams, are free to insured Coloradans.
- Adults cannot be denied health insurance because of a preexisting condition or health history.