Geraldine Smolka

Amid all the criticism of and Obamacare these days, it's easy to forget that a key goal of the Affordable Care Act (ACA) is to help people get coverage. For people who are uninsured or underinsured, a major accident or illness is more than a health crisis; it's a potential financial disaster. In 2012, 9 million people ages 50 through 64 were uninsured. For these individuals, the Affordable Care Act offers new opportunities for coverage and will help some pay for it. In the past, many people without insurance through their employer - especially people ages 50 through 64 - faced major problems getting insurance on the individual market. The ACA put in place reforms to knock down some of the hurdles. Five major improvements are:
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