Affordable Care Act: A Case Study

The Affordable Care Act has made many positive changes for uninsured and underinsured citizens. With the addition of a program called Health Insurance Marketplace, it is now possible for uninsured people in every state to purchase private insurance plans, those making under 400% or less of the Federal Poverty Level will be able to have tax credits making insurance more affordable (Lathrop & Hodnicki, 2014). Insurance companies are no longer allowed to cancel a policy or raise rates when a client gets sick. Insurance companies cannot refuse coverage to individuals with preexisting conditions such as cancer (“Quality Improvement,” 2015). Insurance companies now must cover preventive care and screenings allowing diseases like cancer to be caught early (“Quality Improvement,” 2015). Research has shown that through health screenings

Rising health insurance premiums have made healthcare unaffordable in the United States. Health insurance premiums in this country have undergone a steady rise over the past few years while incomes have remained the same. More than 50% of individuals with low incomes holding private insurance in the United States are unable to afford their healthcare costs (Collins, Gunja, Doty & Buetel, 2015). In addition, costs related to healthcare are equally unaffordable to 25% of working-age individuals who hold private health insurance policies (Collins et al., 2015). According to the Kaiser Family Foundation/Health Research and Educational Trust (Kaiser/HRET) survey on employer health benefits, employer-sponsored health insurance plans have also had moderate rises in premiums in 2013 for both individuals and family coverage (Claxton et al., 2013). While

Large populations of Americans are uninsured mainly because of the high cost of insurance. Majority of the uninsured are the low-income working families’. The adults represent a higher percentage of the uninsured than children. Before the law, you could be denied coverage or treatment because you had been sick in the past, be dropped mid-treatment for making a simple mistake on your application, hence, the Affordable Care Act was implemented into law on March 23, 2010 by President Barrack Obama to make sure that every American irrespective of their status will be insured and have full access to proper health care benefits, rights and protection(1). To understand the

For centuries, health care has been an ever changing entity within the United States. The cost of health insurance, medication, and medical care has fluctuated from high to low. Over the years with all the changes to healthcare, those in Congress try to appease everyone that is involved. For example, trying to make healthcare affordable for those who are less fortunate and live around the poverty line. As well as, employers who may have to revamp their insurance plans offered to the employees. Recently the talk about healthcare has put many people in an uproar. Health care reform has been a very debatable topic since President Obama has been in office. Health care reform, also known as Obama Care, has a section called the Affordable Care

On 3/23/2010, President Obama signed the Patient Protection and Affordable Care Act into law, one of the most difficult reforms of the United States medical system in the last forty four years. The Affordable care act changed the non group insurance market in the U.S., regulates that residents have health care coverage, greatly expands public insurance & subsidizes private insurance, raises revenues from a variety of new taxes, & reduces and

Implementation of the ACA would require an extensive expansion of the Medicaid program to low income adults in each state.³ The Congressional Budget Office projects that a previously 30 million uninsured Americans, approximately 92% of the legal, non-elderly population, will have coverage by 2022.³ The federal government will pay for 100% of the costs of expanding Medicaid programs until 2016, and then gradually fade their contribution to 90% by 2020.³ Currently, expansion of the Medicaid program is voluntary and several states have stated that they intend to turn down their share of the billions of dollars that has been made available to each state solely for the expansion of this program.³ States deciding to not expand their Medicaid program will not only exclude many poor, vulnerable families from access to an important health care program, but will also exclude themselves from an economic stimulus for their state and thereby decrease the strength of their health care delivery systems by not allowing them to be more financially stable for the long

In the current U.S. system the free market prevails and companies, in this case, major insurance providers “compete” for business. This competitive business approach should in theory drive costs down. For some reason, however, an argument can be made that it has produced the opposite result in profiteering. The nation’s largest insurer, UnitedHealth, boasted over a 10 percent revenue increase in 2013 according to Forbes (2013). Health insurance affordability contributes to the disparity in access to health care, as evidenced by the fact that there are millions that are still uncovered. A greater majority of certain minorities lack both health insurance and the financial resource to seek out either health care or insurance. While insurance companies reap huge profits the percent of private sector companies offering health insurance has dropped to less than 50 percent (Kaiser, 2013). There is decidedly a lack of coordination of care for this at risk population as well, since treatment is rendered sporadically and with continuously changing providers. The last major challenge is that of improving the quality of health care. According to a 2010 report by the U.S. Department of Health and Human Services, Office of Inspector General (OIG), an estimated 13.5 percent of Medicare beneficiaries experienced adverse events during their hospital stay and an additional 13.5 percent experienced a temporary

Signed into law by President Obama on March 23, 2010, the Patient Protection and Affordable Care Act, also known as the Affordable Care Act and more commonly known as Obamacare, is arguably the most significant piece of social legislation the United States has passed since Medicare and Medicaid in the 1960’s. The law works to reduce health care spending in the U.S., provide more Americans with access to health insurance, give higher quality care, and make healthcare more affordable. The bill has been known for its extensive length (the condensed version of the law itself is 906 pages long and there thousands of pages of regulations) and with so many details packed in, it’s easy for Americans to get confused. Many argue that Obamacare has done more harm than good for our country; others call it a huge success. Whatever your opinion may be, it’s important to take a look at the advantages and disadvantages of the act and the many changes that have been made since it was first signed into law.

With 50 million uninsured Americans in 2010, the Affordable Care Act (ACA) aimed to insure nearly everyone with “minimum essential” health insurance coverage. The ACA provides that all Americans and individuals lawfully present in the United States be provided health insurance regardless of their health or financial situation. It strengthens existing forms of health insurance coverage, while building a new health insurance market for individuals and families who do not have employer coverage or another form of “minimum essential coverage” such as Medicare or Medicaid. In addition, the ACA imposes fees or assessments on health insurance providers. The fees meant to be absorbed by insurance providers will impact premiums for all individuals covered under fully insured or self-funded plans and policies.

Conclusion: The Obamacare has its very good points it does benefit the economy in ways that are meant to take the economy out of debt. But they do cause side effects that may not have been thought of.

Health insurance and the affordable care act is a major topic in the United States today. This being said, there are many questions that run through one’s mind when the topic is discussed. Questions such as, what exactly is health insurance? What is the Aetna-Humana merge, and how beneficial is it? Should healthy citizens help pay for citizens with prior known health issues? Should people with preexisting conditions even have the option to purchase insurance to help cover medical cost? Although the Affordable Care Act has been in effect for a few years now, there are still some problems today the health insurers face because of this law.

The Affordable Care Act, also called the ACA or Obamacare, is a health care reform law in America. The Affordable Care Act is a long, complex piece of legislation that attempts to reform the healthcare system by providing more Americans with affordable quality health insurance and by curbing the growth in healthcare spending. The law includes new benefits, rights, and protections, rules for Insurance Companies, taxes, tax breaks, funding, spending, and the creation of committees, education, new job creation, and more. The ACA includes 10 titles that address reform the U.S. healthcare system. Some of the provisions include eliminating lifetime and unreasonable annual limits on benefits. It mandates that EHB (or essential health benefits) must be included on all new plans. These benefits include ambulatory services, emergency care, hospitalization, maternity and newborn care, prescription drugs, mental health and substance abuse services, rehabilitative services and devices, labs, chronic disease management and oral and vision care for children. The new law prevents individuals from being dropped from their coverage for any reason other than fraud. The ACA requires coverage of preventative services and immunizations and of dependents up to the age of 26 years old. The law also provides assistance for individuals with preexisting conditions. The ACA also caps insurances companies’ non-medical and

The Affordable Care Act (ACA) has survived both constitutional and statutory challenges which reached the United States Supreme Court. But opponents of the law are far from defeated. A large number of cases are still pending throughout the country.

This paper outlines the impacts that the Affordable Care Act (ACA) has had on different groups in North Carolina since its signing in 2010. First the paper discusses health care financing as outlined in the case study about "The Impact of the Affordable Care Act on North Carolina’s Uninsured Population" published in Health Policy and Politics Nurses’ Guide. Next it discusses the impacts that ACA has had on the affected population. The topic that follows analyzes the impact of the act on both small and large organizations. Finally, the paper discusses how this act has affected patients and concludes by analyzing its ethical implications.

Obamacare offers all different numbers of new benefits, rights, and protection. It prevents gender discrimination and stopping insurance companies from denying the customer coverage or charging that person on more health based (Obamacare.net). The ACA doesn’t guarantee free coverage, but has helped millions of Americans over the past seven years (Patient Protection and ACA). Before the law was passed fifty million Americans lacked health insurance of any kind, because it’s very expensive (Obamacare.net). The ACA requires every authentic American citizen to get health insurance or pay tax. The organization provides many way to sign up for Obamacare by going to a health insurance marketplace or a direct provider, it depends on the level of income,