Affordable Care Act Overview

Overview of the Health Insurance Marketplace – Affordable Care Act

When the Affordable Care Act was signed into law in 2010, it carried with it a promise of expanding access to quality, affordable health coverage for millions of American families and small businesses. The law is already making health coverage stronger for the majority of Americans who already have it.

  1. More than eight out of ten Americans have already begun to experience the benefits of the Affordable Care Act
  2. Better coverage, including free wellness and prevention care like mammograms and cancer screenings
  3. Three million kids who didn’t have coverage before now can stay on their parents’ plans until age 26
  4. For the nearly two in ten Americans without health insurance, there will be a new easy way to get affordable coverage
  5. Beginning October 1st, a new Health Insurance Marketplace will open in every state, giving Americans a whole new way to shop for health insurance
  6. For the first time in the history of the private insurance market, consumers in every state will be able to go online to one place to check out their coverage options, get accurate information in easy-to-understand language, and  make apples-to-apples comparisons of plans before they make their decision.

To learn more, go to:  or  Affordable Care Act Pennsylvania Info.

REGION 4: Delaware, District of Columbia, Maryland, Pennsylvania, Virginia, West Virginia

Regional Director:
Joanne Grossi
The Public Ledger Building
150 South Independence Mall West – Suite 436 Philadelphia, PA 19106-3499
Office: (215) 861-4633 Fax: (215) 861-4625


Tangible good news


Hi, everyone —

If you want tangible evidence that the new health care law is already helping ordinary people, it’s worth talking to one of the 8.5 million Americans who received rebates from their insurance companies this summer. Just ask the folks who got checks in the mail.

Because of the Affordable Care Act, insurers must spend at least 80 percent of premium dollars on medical care, instead of overhead like salaries or advertising. If an insurance company does not, it has to give a customer rebate.

It’s a really big deal, and we want to know everyone understands how it works.

Here’s a graphic that breaks things down. Will you share it to help answer questions in your community?

ObamaCare 8.5 m get rebateIf your insurance company spends more than
20% of your premium dollars on administrative costs,
you get a rebate for the difference

ObamaCare forExample

ObamaCare 2012 Total Rebates


Tara McGuinness
Senior Communications Advisor
The White House
@HealthCareTara Visit

The White House • 1600 Pennsylvania Ave NW • Washington, DC 20500 • 202-456-1111

Women: On Election Day, the Choice is Yours!

by West Chester Mayor Carolyn Comitta and Chester County Commissioner Kathi Cozzone

We have all heard the saying, “If you have your health, you have everything”.

Today, women in Chester County and across Pennsylvania will go to the ballot box with a clear and hugely consequential choice. We need a president who will protect the health, rights and opportunities of women, and fight for an economic future where our daughters and granddaughters can succeed. Barack Obama is that president.

Gender Equality is not a political issue. It is an issue of fundamental constitutional rights and is the foundation of health and economic strength for women, for families and for our country. Like equal pay for women, women’s health, including reproductive choices has been shown to have a direct correlation to the economic health of a family and the community.

Before the President’s health care law, being a woman was considered a “pre-existing condition”, which allowed insurance companies to charge women up to 150% more for health insurance than men. Obamacare will help to lower health costs for women and their families, ensuring that 3.8 million women and girls in Pennsylvania will no longer face discrimination because of their gender.

Thanks to Obamacare, women in Pennsylvania and across the country will be able to receive preventive services without co-pays or deductibles, including maternity screenings, mammograms, and well-woman visits. And now, many insurance plans are beginning to fully cover birth control without co-pays or deductibles as part of women’s preventive care—potentially saving women hundreds of dollars every year.

President Obama will see that Planned Parenthood will be funded so they can offer affordable health care screenings for breast cancer and cervical cancer and reproductive healthcare for women with limited resources. Family planning is as much an economic issue as it is a women’s health issue. Providing these services for women saves lives and eliminates the cost of more expensive treatment incurred when illnesses are not diagnosed early.

In contrast, Governor Romney has vowed to repeal Obamacare “on day one” of his administration. And if he is successful, women and their families will once again be burdened by insurance abuses, higher health care costs, and fewer vital services.
Governor Romney has also promised to defund Planned Parenthood and he refused to say whether he would support gender equality through equal pay for equal work.

Mitt Romney’s plan threatens the health, the rights and opportunities of every woman in Pennsylvania and across the country. If elected President, he has vowed to follow the platform of his Party and work to overturn Roe vs. Wade, further impacting women’s healthcare choices and rights. We should not and cannot afford to let this happen.

President Obama knows that a woman’s health care choices are personal decisions, best made by her and her doctor, not by a politician. We believe that the clear choice for a President who cares about the health and constitutional rights of every woman and every citizen is Barack Obama.

On Election Day the choice is ours. A vote for President Obama is a vote for women’s health and a vote for America’s economic health.

We hope you will join us in casting a vote for President Obama and a healthy future!