On March 23, 2010, the FederalPatient Protection and Affordable Care Act (PPACA) – also known as the ACA – became the nation’s health reform law.  Consisting of 10 separate legislative Titles, the ACA has several key objectives.  The primary objective is to provide coverage for healthcare in which the government, employers and individuals share the responsibility.  A second goal is to improve the affordability and quality of healthcare insurance coverage.  Furthermore, the ACA aims to bolster primary healthcare access, and improve healthcare value and quality.
The ACA contains several approaches to offer insurance coverage for Americans.  The most controversial is the individual mandate.  In this mandate, individuals are required to maintain a minimum essential coverage each month or pay a penalty.  It also provides for premium credits and cost-sharing subsidies to assist low-income individuals with the cost of health benefits.