The Affordable Care Act enabled Americans to purchase health insurance plans that are subsidized by the federal government. Some states have created their own exchanges to manage the enrollment in health care plans; many Americans, however, manage their care through the federal government’s official exchange at www.healthcare.gov.

previously had no health insurance. However, conservative groups like the Heritage Foundation argue that the leg- islation has caused insurance premiums to increase, not decrease as some legislators had promised. In a March 2018 study, Heritage Foundation scholars Edmund Haislmaier and Doug Badger found that “premiums for individual coverage more than doubled between 2013 and 2017, and rates rose again in 2018.” 4


Health Care in the Modern World

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