If you or your family rely on health insurance through the Affordable Care Act (ACA)—also known as Obamacare—you may have seen headlines about a recent Supreme Court decision. The good news? Your ACA coverage is safe. In June 2025, the U.S. Supreme Court ruled in favor of preserving a key part of the ACA that ensures health insurance plans cover preventive care at no additional cost to you.
So, what does this mean for you today, and what can you expect as you shop for health insurance coverage in 2025? Let’s break it down.
The Supreme Court’s Ruling: A Quick Summary
On June 27, 2025, the U.S. Supreme Court issued a 6–3 decision affirming the constitutionality of the ACA’s preventive services requirement. This mandate ensures that most ACA-compliant plans must cover a range of preventive services—like cancer screenings, immunizations, and HIV prevention—without charging a copay or deductible.
At the center of the case was a challenge to the authority of the U.S. Preventive Services Task Force (USPSTF), which recommends what services insurers must cover. The Court ultimately sided with the federal government, ruling that the USPSTF operates under proper oversight from the Department of Health and Human Services.
Read the full coverage from U.S. News & World Report
What Preventive Services Are Protected?
Thanks to this ruling, the following essential health services will continue to be free with your ACA health plan:
- Mammograms and cervical cancer screenings
- Colonoscopies
- Prenatal care and well-child visits
- Vaccinations, including flu and COVID-19
- HIV and STI testing
- Preventive medications like PrEP
This decision directly impacts over 150 million Americans, many of whom might otherwise have had to pay out-of-pocket for these crucial services.
Fierce Healthcare reports that ACA-mandated preventive care has dramatically increased early detection of serious illnesses—saving lives and reducing healthcare costs.
When Is ACA Open Enrollment for 2025?
Open Enrollment for 2025 ACA plans runs from November 1, 2024, through January 15, 2025 in most states. This is the annual window when you can:
- Enroll in a new health plan
- Switch to a different plan
- Update your information to see if you qualify for better savings
If you’re planning ahead, here’s everything you need to know about Open Enrollment for 2025 so you don’t miss important deadlines.
If you miss this period, you may still qualify for a Special Enrollment Period due to life changes like moving, marriage, or loss of employer coverage.
How Do I Enroll in an ACA Plan Through the Marketplace?
You can shop for ACA-compliant health plans through the federal Health Insurance Marketplace at HealthCare.gov or your state’s exchange. Not all states use the federal marketplace—see which states run their own exchanges here.
Here’s what you’ll need to apply:
- Basic personal info for each household member
- Income estimates for subsidy eligibility
- Current coverage info (if applicable)
- Preferred doctors or medications (to check coverage)
Why This Ruling Matters for You and Your Family
If you’re shopping for coverage during Open Enrollment, rest assured that ACA plans remain fully intact and offer broad preventive protections.
For parents, that means well-baby visits and vaccinations are still covered. For adults, that means life-saving screenings and preventive medications are available without added cost. And if you’re managing a chronic condition, catching complications early remains a covered benefit.
Politico notes this is the fourth time in 13 years that the Supreme Court has upheld major parts of the ACA—signaling that the law is here to stay.
Bottom Line: You’re Still Covered
The 2025 Supreme Court decision is a win for patients, families, and public health. It confirms that preventive care will remain a pillar of ACA coverage and ensures that millions of Americans can continue to access care early—without barriers.
If you’re comparing plans this year, you can shop confidently knowing that ACA coverage still includes the protections and benefits that matter most. And if you’re not sure where to start, EZ.insure can help you compare options, understand subsidies, and enroll in minutes.
FAQ: What People Are Asking About ACA and the Supreme Court Ruling
Is Obamacare still available after the 2025 Supreme Court decision?
Yes. The Affordable Care Act remains fully in effect. The Supreme Court’s ruling reaffirmed the law’s preventive services requirement and confirmed the ACA’s continued legality.
Will my preventive care still be covered at no cost?
Yes. Most ACA plans are still required to cover recommended preventive services—like cancer screenings and immunizations—without any copays, coinsurance, or deductibles.
Does the Supreme Court ruling affect my ACA health plan?
No changes are required on your part. The ruling maintains the current coverage standards under ACA-compliant plans, so your benefits and protections remain intact.
Can I still qualify for premium tax credits or $0 plans?
Absolutely. Financial help is still available in 2025. Many people qualify for low-cost or no-cost plans based on income. Check eligibility here or let EZ.insure walk you through it.
What happens if I don’t do anything during Open Enrollment?
If you already have coverage and don’t act, you may be automatically re-enrolled. But plans and subsidies can change—here’s what you need to know if you do nothing.
