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ACA Patient’s Rights

Advocacy Resources
The Patient Protection and Affordable Care Act of 2010 provides all Americans with the following patient's rights.

What rights do you have as a patient?

No Pre-Existing Condition Exclusions for Children Under Age 19.

The ACA prohibited insurance plans from denying coverage to children based on a pre-existing condition. This ban includes both beneft limitations (e.g., an insurer or employer health plan refusing to pay for chemotherapy for a child with cancer because the child had the cancer before getting insurance) and outright coverage denials (e.g., when the insurer refuses to offer a policy to the family for the child because of the child’s pre-existing medical condition). These protections apply to all types of insurance and were extended to Americans of all ages starting in 2014.

No Arbitrary Rescissions of Insurance Coverage.

Under the regulations, insurers and plans are prohibited from rescinding coverage – for individuals or groups of people – except in cases involving fraud or an intentional misrepresentation of material facts



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