Does Obamacare Apply To Disability Insurance? 
Obamacare applies to traditional health insurance plans that reimburse medical practitioners who provide care . The health insurance plans negotiate with providers , set reimbursement rates for specified procedures , and make benefit payments directly to the providers . Disability insurance replaces a portion of income during the time a policyholder is unable to work because of a covered accident or illness . Benefit payments are made directly to the insured The two are completely different types of insurance policies . The Affordable Care Act did not address disability insurance . 