How will health care reform impact my premiums and benefits? What are these exchanges I’ve been hearing about? Understandably, health care reform is on many of our minds. With the Affordable Care Act (ACA) comes a lot of sweeping changes, and it’s important to know what they mean for you. To answer your questions and help you navigate the new system, BCBSNC has created Here, we’ll walk you through the ACA and help you understand why and how it affects your coverage and costs. We’ll also help you get the most benefit from the new law.