A more thorough explanation:

The Patient Protection and Affordable Care Act of 2010 (PPACA), also known as the Affordable Care Act (ACA) or "Obamacare," is a healthcare law that aims to make healthcare more affordable and accessible to lower-income individuals. It includes several provisions, such as:

• Creating federal and state health insurance exchanges
• Requiring most individuals to have insurance or face fines (individual mandate)
• Subsidizing individual plans for those with incomes below 400% of the federal poverty level
• Requiring large employers to provide healthcare coverage
• Increasing Medicaid coverage to individuals with incomes up to 133% of the federal poverty level

The ACA has faced many legal and political challenges since its inception. The Supreme Court upheld the individual mandate as appropriate under the taxing power of Congress but limited the ability of the ACA to penalize states that did not expand their Medicaid coverage. Other challenges to the ACA include questioning the subsidization of federal exchanges and the individual mandate. Despite these challenges, the ACA remains in effect and has been expanded under the Biden administration.

For example, the ACA created health insurance exchanges where individuals can compare and purchase insurance plans. It also requires most individuals to have insurance or face fines, which helps ensure that everyone has access to healthcare. Additionally, the ACA provides subsidies for individuals with lower incomes to make insurance more affordable. These provisions aim to increase access to healthcare for all individuals, regardless of their income level.