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Subsidies can get complicated — you may want to re-apply. Did you indicate that you wanted your subsidies to be automatically recalculated for ? If not, they could disappear on January 1. And even if your subsidies automatically renew for , the dollar value of those subsidies could change based on a variety of factors. Better to play it safe and re-apply for subsidies during open enrollment.

You could face a steep tax penalty for going uninsured in The law generally requires most Americans to have qualifying coverage or face a potential penalty on their federal taxes. You can save yourself stress and hassle by shopping early. Open enrollment started November 1, and is scheduled to run through January 31, The earliest that coverage under a new plan can begin is January 1.

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For a smoother transition from your plan to your plan, you may want to enroll before December 15, Give yourself time to understand your options and get professional help and advice if needed. We were still in the middle of two wars. Over , of our troops were overseas. But thanks to the hard work and the determination of the American people, when I come here today the story is different.

Across the country, we turned years of job losses into the longest streak of job creation on record. We slashed our dependence on foreign oil, doubled our production of renewable energy. Incomes are rising again -- they rose more last year than any time ever recorded. Poverty is falling -- fell more last year than any time since Our graduation rates from high school are at record highs.

College enrollment is significantly higher than it was when we came into office. Marriage equality is a reality in all 50 states. So we've been busy.

Obamacare Facts: The Top 10 Things You Need To Know

This is why I've got gray hair. But we did one other thing. We fought to make sure that in America, health care is not just a privilege, but a right for every single American. That's what I want to talk about here today. You heard a lot about it in the six and a half years since I signed it into law. And some of the things you heard might even be true. But one thing I want to start with is just reminding people why it is that we fought for health reform in the first place.

Because it was one of the key motivators in my campaign. It was because of you. It was because of the stories that I was hearing all around the country, and right here in Florida -- hearing from people who had been forced to fight a broken health care system at the same time as they were fighting to get well.

It was about children like Zoe Lihn, who needed heart surgery when she was just 15 hours old -- just a baby, just a infant. And she was halfway to hitting her lifetime insurance cap before she was old enough to walk.

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Her parents had no idea how they could possibly make sure that she continued to make progress. We fought so hard for health reform because of women like Amanda Heidel, who lives here in South Florida. As a girl, she was diagnosed with diabetes -- and that's a disease with costs that can add up quickly if you don't have insurance, can eat away at your dreams. When she turned 26, Amanda went online, she shopped for an affordable health insurance plan that covered her medications.

That's what this was all about. Zoe and Amanda, the people who I get letters from every single day describing what it meant not to fear that if they got sick, or a member of their family got sick, if they, heaven forbid, were in an accident, that somehow they could lose everything. So because of this law, because of Obamacare, another 20 million Americans now know the financial security of health insurance.

And the net result is that never in American history has the uninsured rate been lower than it is today. It's dropped among women. It's dropped among Latinos and African Americans, every other demographic group. It's worked. No law is. And it's true that a lot of the noise around the health care debate, ever since we tried to pass this law, has been nothing more than politics. It's like building a starter home -- or buying a starter home. It's a lot better than not having a home, but you hope that over time you make some improvements. So that's what I want to do today.

This isn't kind of a rah-rah speech. I might get into the details. So let's start with a basic fact. The majority of Americans do not -- let me repeat -- do not get health care through the Affordable Care Act. Eighty percent or so of Americans get health care on the job, through their employer, or they get health care through Medicaid, or they get health care through Medicare. And so for most Americans, the Affordable Care Act, Obama, has not affected your coverage -- except to make it stronger.

Because of the law, you now have free preventive care. Insurance companies have to offer that in whatever policy they sell. Because of the law, you now have free checkups for women. Because of the law, you get free mammograms. Because of the law, it is harder for insurance companies to discriminate against you because you're a woman when you get health insurance.

Because of the law, doctors are finding better ways to perform heart surgeries and delivering healthier babies, and treating chronic disease, and reducing the number of people that, once they're in the hospital, end up having to return to the hospital. Laughter and applause.

Because of the law, your annual out-of-pocket spending is capped. Seniors get discounts on their prescription drugs because of the law. Young people can stay on their parents' plan -- just like Amanda did -- because of the law.

Remarks by the President on the Affordable Care Act |

And Amanda was able to stay on her parents' plan and then get insurance after she aged out, even though she has what used to be called a preexisting condition -- because we made it illegal to discriminate against people with preexisting conditions. By the way, before this law, before Obamacare, health insurance rates for everybody -- whether you got your insurance on the job, or you were buying it on your own -- health insurance rates generally were going up really fast. This law has actually slowed down the pace of health care inflation. So, every year premiums have gone up, but they've gone up the slowest in 50 years since Obamacare was passed.

Think about that. That's money in your pocket. Now, some people may say, well, I've seen my copays go up, or my networks have changed. But these are decisions that are made by your employers. It's not because of Obamacare. They're not determined by the Affordable Care Act. Well, before the Affordable Care Act, frankly, you were probably out of luck. You might buy a policy thinking that it was going to cover you.

It was sort of like when I was young and I bought my first car, I had to buy car insurance. And I remember somebody rear-ends me, and I call up the insurance company, thinking maybe I can get some help, and they laughed at me. They're all like, what, are you kidding?

Obamacare and October 1st: Healthcare Triage #1

And when they got sick, they'd have to go to the emergency room. And so you're relying on the emergency room, but the emergency room is the most expensive place to get care.

Obamacare: Has Trump managed to kill off Affordable Care Act?

So what the Affordable Care Act is designed to do is to help those people who were previously either uninsured or underinsured. And it worked to help those people in two ways. First, we gave states funding to expand Medicaid to cover more people. They now have health insurance. Second, for people who made too much to qualify for Medicaid even after we expanded it, we set up what we call marketplaces on HealthCare. That means it's less than your cellphone bill -- because I know you guys are tweeting a lot -- laughter -- and texting and selfies. And the good news is, is that most people who end up buying their coverage through the marketplaces, using these tax credits, are satisfied with their plans.

So not only did Obamacare do a lot of good for the plus percent of Americans who already had health care, but now it gave a new affordable option to a lot of folks who never had options before. All told, about another 10 percent of the country now have coverage. The Affordable Care Act has done what it was designed to do: It gave us affordable health care. Why is there still such a fuss?

Well, part of the problem is the fact that a Democratic President named Barack Obama passed the law. And that's just the truth. I mean, I worked really, really hard to engage Republicans; took Republican ideas that originally they had praised; said, let's work together to get this done. And when they just refused to do anything, we said, all right, we're going to have to do it with Democrats. And that's what we did. And early on, Republicans just decided to oppose it. No annual or lifetime dollar limits on essential health benefits.

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Your kids turning 26 can stay on your Kaiser Permanente Individual and Family plan until the end of the plan year during which they turn 26 instead of the end of the birth month.