What the ACA says The health-care reform law is supposed to allow you to keep your doctor . In theory it is supposed to increase the number of primary care providers by giving pay bonuses for primary care services, allowing you access to a greater number of doctors than is currently available. What’s actually happening While some Americans have been able to keep their doctor, the reality is that not everyone is so fortunate. Those who have lost the specific physician(s) they need the most have been featured in recent reports . For some Americans, this is more than a disappointment — it has shifted the battle from finding affordable health insurance to a life-or-death circumstance. Even for those able to keep their doctor, it hasn’t necessarily been a happy ending. Some are being forced to pay for more expensive, non-marketplace insurance plans because their doctors aren’t included in any marketplace plans’ networks. Many marketplace plans don’t even offer “out of network” coverage, so individuals wishing to see a doctor not on their plan will be in the same boat as someone without an insurance plan. What you can do To better understand whether you can keep your doctor, you will need to contact your insurance company. If you plan to stay on a grandfathered plan and you haven’t been notified that your coverage will be terminated, you will probably be able to keep your coverage, as well as your doctor. However, it won’t hurt to give your insurance company a call to double-check. If you’ve already chosen a plan through the marketplace, check online to see if your provider is in the plan’s network. Do this sooner rather than later, because once open enrollment ends , you’re locked into your health plan.