Affordable Care Act

The Affordable Care Act is a federal healthcare law that reshaped the individual insurance market, created health-insurance marketplaces and premium tax credits, expanded Medicaid eligibility pathways and established consumer protections such as rules on preexisting conditions and essential health benefits. Its provisions also affect young-adult coverage, preventive services and employer-related insurance requirements. Michigan coverage may involve marketplace enrollment, subsidies, insurance regulation or Medicaid expansion. The law is broader than any single health program and should remain distinct from Medicare or Medicaid policy alone.