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The Affordable Care Act (ACA), also known as Obamacare, is a healthcare reform law enacted in 2010. Its main goals are to increase access to affordable health insurance, expand Medicaid coverage, and reduce healthcare costs. The ACA provides subsidies to help lower-income individuals afford insurance and requires most Americans to have health coverage or face a penalty (though the individual mandate penalty was reduced to $0 starting in 2019). It also prevents insurance companies from denying coverage based on pre-existing conditions and allows young adults to stay on their parents' insurance plans until age 26.

Medicare Advantage, also known as Medicare Part C, is an alternative to Original Medicare offered by private insurance companies approved by Medicare. It provides all the benefits of Medicare Part A (hospital insurance) and Part B (medical insurance), and often includes additional coverage such as prescription drugs, dental, vision, and wellness programs. Medicare Advantage plans typically have networks of doctors and hospitals and may require referrals for specialists, but they offer more comprehensive coverage with lower out-of-pocket costs compared to Original Medicare.

Life insurance is a contract between an individual and an insurance company that provides financial protection to beneficiaries in the event of the policyholder's death. In exchange for regular premium payments, the insurance company pays a lump sum, known as the death benefit, to the designated beneficiaries. This money can be used to cover funeral expenses, debts, or provide ongoing financial support to loved ones. There are different types of life insurance, including term life (which covers a specific period) and permanent life (which lasts a lifetime and may build cash value). Life insurance helps ensure financial security for families after a loss.