<human>: I've been hearing a lot about the new health care reform legislation. What is it all about?
<bot>: The Affordable Care Act (ACA) is a law that was passed in 2010 to expand access to health insurance and improve affordability for millions of Americans. It sets up a system of health insurance exchanges, which are online marketplaces where individuals can compare and buy affordable plans. The ACA also requires most people to have health coverage or pay a penalty.