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LGBT and Obamacare

The Patient Protection and Affordable Care Act (ACA), also known as “Obamacare,” is a federal law issued in 2010 that will improve access to affordable and high-quality health insurance. LGBT people, their families, and their communities cannot afford to lose the benefits that the law is already providing. Here’s why:

The ACA helps millions of LGBT people and their families’ access affordable coverage.

  • LGBT individuals are twice as likely as the general population to be uninsured.
  • Under the ACA, millions of previously uninsured LGBT people will soon be able to access vital coverage.
  • Starting in 2014, insurance companies will be required to sell insurance policies to everyone, regardless of any pre-existing health conditions, such as diabetes, HIV, breast cancer, asthma, high blood pressure, arthritis etc.
  • Dependents under the age of 26 will now be eligible to be covered under their parent’s health coverage plan.
  • Individuals may also be eligible for federal tax credits or free coverage under Medi-Cal that will make high-quality health coverage affordable.

The ACA invests in prevention and wellness.

  • We all use the health care system from the moment we are born, and without health insurance, healthcare costs can be financially devastating.
  • New coverage options will offer Qualified Health Plans that provide the same high-quality coverage of plans currently available to reduce these out-of-pocket expenses through an emphasis on preventative services.
  • All newly sold health plans must cover the ten categories of Essential Health Benefits, including wellness services, mental health services, and substance abuse treatment.

The ACA targets health disparities.

  • LGBT people come from all kinds of backgrounds and are part of every racial, ethnic, religious, and socioeconomic group and often face racism, sexism, anti-LGBT discrimination, and other barriers that limit their access to health care and threaten their ability to keep themselves and their families healthy.
  • The ACA seeks to transform health disparities into health equity by prioritizing programs, research, and data collection that focus on serving communities of color and other systematically disadvantaged groups. 
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