Patient’s Bill of Rights

The Affordable Care Act helps people in the United States be in charge of their health and make informed choices about health insurance. Under the law, the Patient’s Bill of Rights:

Provides coverage for pre-existing conditions.

Under the Affordable Care Act, no insurance plan can reject you, charge you more or refuse to pay for the care you need. An exception to this rule exists with individual health insurance policies purchased on or before March 23, 2010, which were grandfathered in, and don't include some of the rights and protections provided under the Affordable Care Act.
Learn about your options if your plan has changed or is canceled

Protects your choice of doctors and emergency room access.

Choose a primary care doctor from your plan’s network. You can also seek emergency care at a hospital outside of your health plan’s network.
Doctor Choice and Emergency Room Access

Keeps young adults covered.

If you’re under age 26, you may be eligible to be covered under your parent’s health plan.
How to get or stay on a parent’s plan

Ends lifetime limits on coverage.

Lifetime limits on most benefits are banned for all new health insurance plans.
Lifetime and Yearly Limits

Ends pre-existing condition exclusions for children.

Health plans can no longer limit or deny benefits to children under age 19 due to a pre-existing condition. Options such as the Children's Health Insurance Program (Chip) can provide low-cost health coverage to children.
Learn about the Children's Health Insurance Program

Ends arbitrary withdrawals of insurance coverage.

Insurers can no longer cancel your coverage just because you made an honest mistake.
Frivolous Cancellations

Reviews premium increases.

Insurance companies must now publicly justify any unreasonable rate hikes.
Health Insurance Rate Increases FAQs

Helps you get the most from your premium dollars.

Your premium dollars must be spent primarily on health care, not administrative costs.
Rate Review and the 80/20 Rule

Restricts annual dollar limits on coverage.

Annual limits on your health coverage have been phased out.
Annual and Lifetime Dollar Limits

Covers preventive care in network at no cost to you.

You may be eligible for recommended preventive health services. There’s no copayment even if you haven’t met your yearly deductible.
Preventive Health Services

Guarantees your right to appeal.

You have the right to ask that your plan reconsider its denial of payment.
Appealing a Health Plan Decision