Under the Affordable Care Act, no American can be denied coverage, charged a higher monthly premium, or sold a policy that excludes coverage of important health services just because he or she has a pre-existing condition. This is called pre-existing condition discrimination, and without the provisions in the Affordable Care Act that prohibit this, a lot of Americans would be affected.
This 50-state infographic series features state-specific data on how many people with pre-existing health conditions will benefit from the Affordable Care Act.
How The Affordable Care Act’s Risk Adjustment, Reinsurance, and Risk Corridor Provisions Protect Consumers
Lately, the media have been covering three provisions—risk adjustment, reinsurance, and risk corridors—that were created by the Affordable Care Act. The new health law’s opponents have been highly critical of these provisions (risk corridors in particular), characterizing them as federal bailouts to insurance companies. Also known as the “three Rs,” these provisions allow insurance companies to manage the financial risk that they incurred when the Affordable Care Act prevented insurers from denying coverage or charging higher premiums to individuals with pre-existing conditions.