Furthermore, evidence demonstrates that the ACA Medicaid expansion to low-income people has improved access to and use of treatment across groups, as well as reduced gaps in health outcomes for Black and Hispanic persons, particularly for measures of... The law requires insurance companies to offer coverage to all applicants, with few exceptions. It also requires them to accept all applicants, with few exceptions. This reduces the likelihood that an applicant will be denied coverage because of a pre-existing condition or any other reason. In addition, the law creates financial incentives for insurers to cover more individuals from lower income families by charging them less than what it costs to provide coverage. These and other provisions of the law will help to reduce racial disparities in health care by increasing health care coverage rates for African-Americans and others who have been historically excluded from quality health care services. Source: New report shows effects of Affordable Care Act on reducing health disparities. Ed.gov, May 7, 2015.