What if I'm self-employed (business of one)?

How does the Affordable Care Act affect businesses of one?

If you have a business of one, then you are considered Self-Employed, not "an employer" under the Affordable Care Act. You would not be able to get a group health insurance plan for your business, but you would be able to get an individual or family plan. You could even qualify for reduced premiums or lower out-of-pocket expenses based on your income.

How are health plans changing to help me?

Starting in 2014, no health insurance company can turn you away or charge you more for pre-existing conditions, health history, claims, gender or profession. Pre-existing conditions and pregnancy are always covered. You might qualify for reduced premiums or out-of-pocket expenses based on household income if you purchase a plan through the exchange.