Publication Date



[Excerpt] This report provides background information about the private health insurance market, including market segments and regulation. It then describes each ACA market reform. The reforms are grouped under the following categories: obtaining coverage; keeping coverage; cost of purchasing coverage; covered services; cost-sharing limits; consumer assistance and other health care protections; and plan requirements related to health care providers. The Appendix of the report provides details about the types of plans that are required to comply with the different reforms.


Suggested Citation
Mach, A. L., & Fernandez, B. (2014). Private health insurance market reforms in the Affordable Care Act (ACA). Washington, DC: Congressional Research Service.

An earlier version of this report can be found here: