Rose Krepelka draws from her 31 years in the insurance industry to give perspectives on what the Affordable Care Act (ACA) means to consumers. To start with, she explains the ACA’s guidelines for dependent children, especially the provision that allows children to remain on their parents’ health plans until age 26. She goes on to discuss ACA rules regarding treatment outcomes, employers’ benefit obligations, the push to add younger people into the insurance “pool,” medical loss ratios to limit insurers’ profits, and required plan benefit levels.