How the Affordable Care Act Helps Women
The Affordable Care Act makes important advances for women’s health and, when fully implemented, will provide millions of women and their families with access to high-quality and affordable health care and coverage. While some parts of the law are being phased in over time, there are many provisions that women and families are already benefitting from.
For a PDF Version of this factsheet, see below.
Women now have greater protections against insurance company abuses.
- NO MORE RECISSIONS: Insurance companies are prohibited from dropping people’s coverage if they become sick.
- NO MORE LIFETIME LIMITS: Insurance companies are prohibited from imposing lifetime limits on coverage.
- NO MORE ANNUAL CAPS: Insurance companies are prohibited from limiting the amount of money they will pay for benefits during one year. During 2012, annual limits cannot be lower than $1.2 million and are completely prohibited by 2014.
- NO MORE DOCTOR’S NOTE TO VISIT THE OB-GYN: Insurance companies are prohibited from requiring women to get approval for care for obstetrical and gynecological care. The new health care law allows women to have “direct access” to this type of health care.
Women have improved access to affordable preventive care.
All new health plans are required to cover key preventive health services for women at no cost, such as co-payments or deductibles.
These are the preventive services that many plans started providing women and girls, with no additional costs, starting January 1, 2011:
- Mammograms for every 1-2 years for women over 40
- Cervical cancer screening
- Smoking and alcohol cessation programs for adults
- A wide range of prenatal screenings and tests
- Diabetes and blood pressure screening and counseling
- Depression screening for adolescents and adults.
Added to this list are the newly announced preventive services for women which will be covered at no cost by many plans starting on January 1, 2013, including:
- Contraception (all FDA-approved)
- Well woman visits
- Lactation consultation and supplies
- Screening and counseling for interpersonal and domestic violence
- Screening for gestational diabetes
- DNA co-testing for HPV
- Counseling regarding sexually transmitted infections including HIV
- Screening for HIV
It is now easier for children and young adults to get and keep health insurance.
- Young adults can remain on their parents’ health insurance policy as a dependent until age 26.
- Health plans are prohibited from denying coverage to children ages 0-19 with “pre-existing conditions” such as asthma and diabetes.
Senior women have more affordable access to the services they need.
- Medicare now covers more preventive benefits such as no-cost annual checkups and mammograms.
- Women will benefit from a provision which closes the Medicare Part D “donut hole,” or the prescription drug coverage gap that requires seniors to pay the entire cost of prescriptions while in the gap.
This is just the beginning. In 2014:
- Insurance companies will no longer be able to deny women coverage due to pre-existing conditions, such as having had a C-section, breast or cervical cancer, or received medical treatment for domestic or sexual violence.
- Insurers must end the practice of charging women more for coverage than they charge men.
Making health care more affordable starting in 2014.
- Approximately 10 million uninsured women will gain health coverage from expanded Medicaid eligibility.
- Over 7 million women who lack affordable insurance through an employer will be eligible for subsidies.
- A new competitive health marketplace will be available for women and their families to compare and shop for new health plans.