What do the reforms in the Affordable Care Act (ACA) mean for 50- to 64- Year-olds? AARP's Public Policy Institute explores this question in the "Effect of Health Reform for 50- to 64-Year Olds". Much depends on whether people have health coverage now and on how they get it. Most people in this age group are covered through employers, so employers’ decisions about health benefits shape their options. For those who have modest incomes and who currently buy in the individual market, the reforms may help make coverage more affordable and remove obstacles for anyone with health problems. For those who are uninsured, the ACA improves access to private and public coverage and offers financial help for people with low incomes.