The Affordable Care Act Explained…By a College Freshman

Duckncover screen grabCandace Joyner, a freshman at the University of Oregon, looked around and realized that her fellow Ducks weren’t understanding how the Affordable Care Act (aka Obamacare) would impact them. To no fault of her classmates. Not only is the Affordable Care Act a complicated law to understand, but there’s also been very little advertising and outreach aimed at young adults. With that in mind, Candace decided to do something about it. She teamed up with a few UO student leaders and created a campaign called “Duck ‘N’ Cover,” complete with the website:

The site is designed to give college students a crash course in the Affordable Care Act, and to help young people understand just how important it is to have health insurance. It’s written for college students, because it’s from a college student. Candace isn’t affiliated with an insurance company or the government, she’s just a student trying to help her peers. We absolutely applaud her effort.

Check out a profile from Eugene Oregon’s “The Register Guard” about Duck N’ Cover, Candace, and her team’s education efforts: UO Student Tackles ACA Complications.

QUIZ: Myths vs. Facts; How Much Do You Know about the Affordable Care Act?

Question-MarkWith so much information swirling around the Affordable Care Act (aka “Obamacare”), we wanted to test your knowledge. Take our quiz and see if you know can tell what’s true and what’s a myth.

  1. MYTH or FACT? The Affordable Care Act and Obamacare are the same thing.
  2. MYTH or FACT? The Affordable Care Act is no longer a law. It was overturned or repealed.
  3. MYTH or FACT? “I don’t need to worry about getting health insurance. I’ll have Obamacare next year.”
  4. MYTH or FACT? All preventive care services are covered for Americans, regardless of whether or not they have health insurance.
  5. MYTH or FACT? I can’t be turned down for coverage anymore, so I can sign up for health insurance after I get hurt (or sick) because of Obamacare.
  6. MYTH or FACT? All exchanges are run by the federal government.
  7. MYTH or FACT? If you don’t get health insurance in 2014, you’ll probably face a tax penalty.


  1. Fact. The Affordable Care Act and Obamacare are the same thing.
  2. Myth. The Affordable Care Act is in fact still law and implementation began in 2010.
  3. Myth. The Affordable Care Act requires everyone to obtain health insurance; it doesn’t automatically provide health insurance.
  4. Myth. Preventive care services are covered only after you obtain health insurance. If you’re already covered through an employer, that counts; you don’t need to seek additional coverage.
  5. Myth. You have to sign up for health insurance during the open enrollment period (now until March 31, 2014). If something happens outside of the enrollment period, you won’t be able to enroll immediately. If you miss the open enrollment period, odds are, you won’t be able to enroll again until October of next year.
  6. Myth. States can establish their own exchange (Cover Oregon and Your Health Idaho, for example). The federal government’s marketplace,, is in place for states that don’t create their own exchange marketplace models.
  7. Fact. If you didn’t enroll in coverage in 2014, you’ll probably see a tax penalty when you file your return. To learn more about how the Affordable Care Act will impose those penalties, check out this quick video.


To learn more about the Affordable Care Act, check out

Will Healthcare Reform Offer a Government-Run Plan like Medicare?

Question Visual_4

No. The Affordable Care Act does not create a new government-run health plan, but it does create a new marketplace for private plans through healthcare exchanges and expands Medicaid options. You’ll see changes in health plan options and the shopping experience.

To learn more about the Affordable Care Act and healthcare reform, check out

Related Posts: When Will I Automatically Get Free Health Insurance Thanks to the Affordable Care Act?Come On, Am I Really Required to Buy Health Insurance?