Affordable Care Act Effect

Many people are seriously ill when they seek treatment because they lacked enough money in their insurance for treatment (Bush, 2015). Although people have reported general satisfaction with their health plans under PPACA, a Kaiser Family Foundation (KFF) survey has revealed that affordability is a concern for those who buy their own health insurance. 46% of those with both ACA-compliant and noncompliant plans reported it was “very” or “somewhat” difficult for them to afford their monthly health insurance premium (Medical Economics, 2015). Cost of care has been a longstanding barrier to care for minority groups. The survey did not find an improvement in Blacks and Asians skipping care due to cost concerns. (Pallarito, 2015).

Medicaid is a social health care program that covers nearly 60 million Americans, including children, pregnant women, seniors, parents and individuals suffering with disabilities. Medicaid is the biggest source of funding for health related services and medical needs for the people with low income in the United States. This program is funded jointly by the state and federal level governments, but it is the state’s responsibility to manage this program. The Medicaid program is not a required program that states have to use, but all 50 states have implemented this program. With the introduction of the Affordable Care Act (ACA), and its passing in 2010, the ACA unveiled its plans to expand Medicaid eligibility to nearly all low-income adults as an addition to the other groups that fall into the Medicaid eligibility. The Medicaid program had “many gaps in coverage for adults” because it was only restricted to the low income individuals and other people with needs in their own specific category. In the past, the majority of the states who had adults that did not have children dependent on those parents were not eligible for Medicaid. These low income adults without dependent children would be without medical insurance assistance before the ACA was introduced. Medicaid is now available to all Americans under the age of 65 whose family income is at or below the federal poverty guideline of “133 percent or $14,484 for an individual and $29,726 for a family of four in 2011” (NSCL).

The potential opportunity for the state to opt into the Medicaid expansion is the fact that low-income citizens will be insured. The decision of the state to opt into the Medicaid expansion will also impact the state’s budget, and this is the main challenge (Frakt, 2013). The government will cover majority of all the cost even as Medicaid expansion provides coverage for the low-income uninsured citizens. Expansion of the Medicaid is also a broken system that has poor outcomes, not severe federal strings, high inflation and no incentive for the personal responsibility of the citizens who

Most people do not know how the Affordable Care Act (ACA) will affect them because the main groups of people that are affected are the uninsured population and vulnerable population. The number of vulnerable populations is increasing and if the establishment of policies and programs fail to improve the health of this population, then it will be extremely difficult to contain the cost of care in the United States (Knickman & Kovner, 2015). The goals of the ACA are to significantly

Before the ACA was passed, all states decided to raise the eligibility for children under Medicaid and Children Health Insurance Program (CHIP). North Carolina raised the Medicaid FPL for families with children greater than 6 years old up to 216% (Milstead, 2013, p. 203). However, now that North Carolina has not chosen to expand the Medicaid program non-disabled adults are limited to 43% FPL and childless adults are ineligible (Kaiser Family Foundation, 2014). Those not eligible for Medicaid and CHIP that have incomes between 100% and 400% FPL may be entitled to tax credits if they purchase insurance in the marketplace (Kaiser Family Foundation, 2014). This raises another problem in North Carolina’s uninsured population. The ACA is written by the principal of low income people receiving coverage through the Medicaid expansion, therefore people below FPL are not eligible for Marketplace subsidies (Healthcare, 2015). North Carolina’s uninsured adult population is around 319,000 which is 20% of the uninsured in the state (Kaiser Family Foundation, 2014). This population qualified for the Medicaid expansion under the ACA and all fall below the FPL and now will remain uninsured.

The Affordable Care Act of 2010 (ACA) was designed to make medical insurance coverage affordable for all American citizens. Provisions were established to make certain uninsured individuals and no or low-income households can qualify for Medicaid or coverage through one of the health insurance marketplace exchange. North Carolina is viewed as an example of the impact the ACA would have on the nation. North Carolina is one of the states that chose not to expand Medicaid (Holmes, 2013). In this paper, I will explain my analysis of the impact of the ACA on North Carolina’s adolescent and young adult, working, non-working, and childless adult population.

Children’s health correlates to the health of the nation. The health of a child is a direct factor of adult health, productivity, and stability. If a nation has high morbidity and mortality rates for children, it will negatively impact that society’s growth and development. It is imperative that children have health insurance and access to quality preventative and primary care, in order to foster healthy development into adulthood. The Children’s Health Insurance Program (CHIP) was established as a part of the Balanced Budget Act of 1997, to acknowledge to millions of children who lacked health coverage (American Academy of Pediatrics, 2014). CHIP is a federal and state

Holahan, J., Buettgens, M., Carroll, C., & Dorn, S. (2012). The cost and coverage implications of the ACA Medicaid expansion: National and state-by-state analysis (Publication # 8384). Retrieved from The Henry J. Kaiser Family Foundation: http://kaiserfamilyfoundation.files.wordpress.com/2013/01/8384.pdf

Because of the low income from African American are uninsuranced it makes it possible for them to quality for the Medicaid expansion (Medicaid and Medicare 2015). There are a lot of black that are insured by Medicaid while there are some who are adults. The important of African American children having medical insurance such as Medicaid or CHIP. (Medicaid and Medicare 2015). Many children come from families who income is at or under the poverty level (Children n.d.). Due to the fact that these children comes from a family who income makes them eligible to receive Medicaid will make it hard for them to receive necessary services. Children who have Medicaid are entitle to certain medical services such as early,

a. President Obama signed into law the Children’s Health Insurance Program Reauthorization Act of 2009 (CHIPRA) on February 4, 2009. The new law is designed to provide coverage to large numbers of children that are currently uninsured and to improve their quality of care. Key to this legislation is that it reinforces the Children’s Health Insurance

1997 The Children 's Health Insurance Program (CHIP, formerly the State Children 's Health Insurance Program (SCHIP)): was created by the Balanced Budget Act of 1997, enacted Title XXI of the Social Security Act. It has allocated about $20 billion over 10 years to help states insure low-income children who are ineligible for Medicaid but cannot afford private insurance. A drop in uninsured was seen immediately.

Since the initiation of the Affordable Care Act in 2010, Americans have been put back in charge of their individual health care. Under this new law, a health insurance marketplace provides a haven for individuals without insurance to gain coverage. Just this year, citizens found out early whether they qualified for Medicare or the CHIP formally known as the Children’s Health Insurance Program. So much is to be learned about the Affordable Care act and this paper provides the roles of the different governmental branches, along with other important factors associated with this law.

Throughout the egregious, painstaking process of republicans trying to repeal the ACA, one piece of legislation fell through the cracks, the Children’s Health Insurance Program. The Children’s Health Insurance Program better known as CHIP, has provided healthcare to over 8,900,000 children, yet it may be coming to an end (Kliff 2017). CHIP was set to receive a budget extension in mid-September, but the date has come, has passed and still nothing has been done. To avoid the catastrophe of having children uninsured, the federal government should permanently fund the CHIP program under current legislation.

Children make up an extensive part of the uninsured population. Low-income families have the opportunity to obtain coverage through government program while many may elect to take advantage of the chance to get coverage but there are some who will opt not to get health insurance for their children. According to Kenney, Haley, Anderson, & Lynch (2015), some families do not apply for government insurance is they are not aware of the programs or a child’s eligibility. They find the application processes complex; uncertainty of how to obtain information; perceptions of the programs, such as cost concerns; and, for a small fraction of families, they simply have no desire to partake in the

The Children Health Insurance Program (CHIP) was started in 1997 to provide health insurance for uninsured children in families with low incomes and above the cut-off for Medicaid eligibility. The law gave states the flexibility to design and build the criteria and the role of the enrollment to the CHIP program. The children’ s health insurance Program (CHIP) funded by states and the federal government. CHIP runs through a mechanism similar to Medicaid. States operate and pay for insurance for children in low-income families and the federal government pays the state for a percentage of the money that state spends. The Medicaid pays a low percentage of CHIP cost and the federal government pays the rest of that cost (Lewandowski, 2013).