Is Obamacare health insurance, we get these questions frequently? The Affordable Care Act, aka "Obamacare," is not health insurance. It is a public exchange where individuals can see if they qualify for a subsidy to help pay for part of their health insurance premiums to a private health insurance company such as Highmark BCBS. Some individuals qualify depending on household income and family size. If you have any questions regarding individual health insurance, feel free to reach out to us. We can help you explore all the options you have in West Virginia regarding your health insurance.