What is the primary purpose of the Affordable Care Act?

The Affordable Care Act (ACA) was designed primarily to expand access to health insurance, improve the quality of care, and reduce healthcare costs for individuals and families. It introduced a variety of provisions aimed at making insurance coverage more affordable, such as subsidies for low- and middle-income individuals, the establishment of health insurance marketplaces, and the expansion of Medicaid in participating states. Additionally, the ACA implemented regulations to improve the quality of care, such as prohibiting denial of coverage for pre-existing conditions and mandating essential health benefits.

The other options focus on aspects that do not align with the overarching goals of the ACA. The law does not eliminate private insurance; instead, it coexists with private plans while providing resources for those who might not otherwise have access. It does not solely support low-income individuals, although it includes provisions that benefit this group; its effects reach a wider population. Moreover, while the ACA aims to reduce out-of-pocket expenses and improve coverage, it does not guarantee that all medical expenses will be fully paid, leaving some responsibility on insured individuals. Thus, the primary purpose of the ACA is indeed to enhance access to health insurance and reduce costs, making the first option the correct choice.