By 2014, the ACA requires that every state create a health insurance Exchange ("the exchange") to give consumers a simplified and regulated marketplace to purchase health insurance. For individuals who are not receiving Medicaid, health insurance through their employers, or other means, they may purchase health insurance through the Exchange which presents consumers with various private health insurance plans that they may choose from. Every health insurance plan offered on the Exchange will be required to provide at least a basic health benefits package.
To help comsumers pay for coverage, the ACA establishes tax credits for individuals and families who make less than 400% of the federal poverty level. In addition, the ACA requires that each state must take steps to make the Exchange linguistically accessible for limited English proficient consumers and to also provide"navigators" to help consumers choose a plan that best fits them.
Source: Southeast Asia Resource Action Center