Obamacare Timeline: Health Coverage and the Insurance Marketplace

A Timeline of the ACA's Impact on Americans

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The Patient Protection and Affordable Care Act (ACA), also known as Obamacare, has changed how health care is provided in the U.S. Here's the enrollment deadline, plus a timeline of its history and efforts to block it.

The Enrollment Deadline You Need to Know

The open enrollment period for Obamacare is Nov. 1, 2020, to Dec. 15, 2020. The health insurance exchanges make it easy to get Obamacare in four simple steps. Coverage begins on Jan. 1, 2021, assuming applicants have paid their first premium.

Even though the Tax Cuts and Jobs Act eliminated the penalty for not having insurance, it's still a good idea to financially protect yourself from unexpected accidents and health crises.

The History of Obamacare

The provisions of the ACA were phased in over several years to allow states and insurance companies time to prepare. Soon after being signed into law, the ACA came under attack by Republicans who believed it to be universal health care.

Here is a timeline of the ACA's phase-in and attempts to sabotage and overturn it.

Dec. 20, 2019 - Congress eliminated three ACA taxes with H.R. 1865. It canceled the medical device tax that had been paid since 2013. The Joint Committee on Taxation (JCT) estimated this cancellation would cost almost $26 billion in lost revenue between 2020 and 2029.

Congress also eliminated the 40% excise tax on businesses that offer "Cadillac" health insurance plans. These high-cost plans offer exceptional coverage, such as small copayments or marriage counseling. They also cover those with high levels of health needs. Impacted companies include those with a large percentage of employees who are elderly or chronically ill, and some with workers in high-risk professions. The tax was to go into effect in 2022. The JCT estimated its elimination would cost $197 billion in lost tax revenue by 2029.

Congress also canceled the annual fee imposed on health insurance providers beginning in 2021. The JCT estimated that would cost $151 billion in lost taxes.

Feb. 26, 2018 - Republican attorneys general from 18 states filed a lawsuit to overturn the ACA. They claimed that since the Tax Cut and Jobs Act eliminated the tax on those who didn't have insurance, then the rest of the ACA was unlawful. The U.S. Department of Justice agreed with the plaintiffs, but stayed the decision. Normally, the federal government defends its own programs and laws.

Oct. 12, 2017 - President Donald Trump signed an executive order expanding access to health insurance plans that didn't conform to ACA mandates.

June 25, 2015 - The Supreme Court ruled that the federal government could distribute ACA subsidies through a federal exchange in states that did not set up their own. The ACA specifically mentions subsidies should only go to exchanges "established by the state," even though the writers said that was not their intention. The Supreme Court stuck with the intent, not the wording, of the law.

March 31, 2014 - The initial period of open enrollment closed. Everyone had to be covered for nine months or pay taxes of 1% of income in 2014. This penalty was eliminated in 2019.

Oct. 1, 2013 - The initial open enrollment period began. Those with incomes up to 400% of the poverty level received subsidies. All plans must have covered the 10 essential health benefits to be listed on the exchange. Medicaid benefits were extended in most states to those with incomes up to 138% of the federal poverty level.

Jan. 1, 2013 - Obamacare tax changes kicked in. Those who made more than $200,000 ($250,000 for couples) paid higher taxes. That included 3.8% Medicare taxes on dividends, capital gains, rent, and royalties and 2.35% (up from 1.45%) Medicare taxes on income.

Businesses that manufacture or import medical devices were required to pay a 2.3% medical device tax. This tax was put on moratorium after 2015 and repealed in 2019.

June 28, 2012 - The Supreme Court upheld the constitutionality of the ACA's individual mandate that required people to either have insurance or pay a tax penalty. It also ruled that the federal government could not require states to expand Medicaid. 

Jan. 19, 2011 - The Republican-controlled House voted to repeal the law. That was largely symbolic since the Democratic-controlled Senate rejected a similar repeal proposal by Republican Senators.

June 17, 2010 - Federal regulations allowed some health plans that were in existence on March 23, 2010, to be "grandfathered in." That meant they were exempt from the provisions of the Affordable Care Act. It allowed people to keep their current plan if they liked it.

March 23, 2010 - President Obama signed H.R. 3590: the Patient Protection and Affordable Care Act. H.R. 4872, the Health Care and Education Reconciliation Act of 2010 (Reconciliation Act), was signed on March 30.Together, these laws are commonly referred to as the ACA or Obamacare.

A Timeline of How Obamacare Came to Be

Follow the twists and turns back through the different bills proposed by the House and Senate in 2009, ending at the beginning: Obama's original campaign proposals in 2008.

March 22, 2010 - The House of Representatives passed H.R. 4872: the Health Care and Education Reconciliation Act of 2010. The Reconciliation Act amended the Senate's H.R. 3590 by including elements of the health care plan put forth by President Obama on February 22. It kept a state-regulated insurance exchange and cut back taxes on high-end health plans. It increased the Medicare payroll tax on upper-income earners and added Medicare taxes on investment income. Those with pre-existing conditions who had been denied coverage would also get access to temporary health insurance coverage until the exchange was set up.

Feb. 22, 2010 - Obama launched a new health care plan that combined the best elements of the Senate and the House health care reform bills. Like the Senate bill, it eliminated the public option. Instead, it created an exchange that allowed families and small businesses to shop for private insurance plans. Like the House bill, it cut back taxes on the high-end "Cadillac" health plans and eliminated the Medicare gap in prescription drug coverage.

Jan. 28, 2010 - Obama urged Congress to pass health care reform in the 2010 State of the Union Address.

Dec. 24, 2009 - The Senate passed H.R. 3590: the Patient Protection and Affordable Care Act. It offered subsidies to families and small businesses to shop for insurance on an exchange. It fined companies for not providing insurance, but gave tax credits to small businesses to help them afford health insurance for their employees.

Nov. 7, 2009 - The House of Representatives passed H.R. 3962. It proposed a government-run health insurance program, known as the public option. It offered direct subsidies to uninsured people to help them buy insurance through exchanges. It proposed a surtax on high-income earners. As a result, it would have reduced the deficit by $138 billion over 10 years.

2008 - During the 2007 presidential campaign, Obama announced the Health Care for America Plan. The most controversial element was known as the "public option." It would establish a national health insurance plan similar to the plan available to Congress. Opponents said it was socialized medicine. They worried it would take power away from the states and individuals. 

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