Affordable Health Care Act

In Title IX named, Revenue Provisions, will provide a middle-class tax cut to help those families and small business owners have more affordable insurance coverage ("Read the Law | HealthCare.gov", n.d).

Understanding the Affordable Care Act (ACA) can be problematic, the goal of the ACA is to address the fact that millions of Americans do not have health insurance, yet they are contributors to the health care market, consuming health care services for which they do not pay. While this may seem to be a great idea, many Americans are not really sure how they are affected by this Health Care Reform. The goal is to make health insurance affordable, secure, and reliable for all. The ACA is a minimum coverage provision, individuals are given health insurance by amending the tax code. There is an individual mandate which stipulates all non-exempt individuals must maintain a minimum level of insurance or pay a tax penalty. ACA extends Medicaid, states have to accept or they will not receive Federal funding. The act also includes an employer mandate to obtain health coverage for employees. The Affordable Care Act has changed the way health care is provided and the way individuals will participate (The Affordable Care Act Cases. (n.d.). Retrieved September 3, 2015)

The Affordable Care Act has brought many changes to healthcare in the United States. Some of the changes brought on by the Affordable Care Act have had a positive impact on society and some have had a negative impact. Some of the positive effects of the Affordable Care Act include better consumer protection and equality, and healthcare coverage for more Americans. Some of the negative effects include rising insurance premiums and a shortage of doctors. There is also a new set of rules under the Affordable Care Act regarding the billing of medical claims.

In Ohio, the financial aspects of ACA implementation are numerous. A large amount of Ohioans received an average tax credit of $244 per month while about half that number, 41% of enrollees, were able to secure insurance for $100 or less (United States of America, 2015). One million dollars was received in research grants for Marketplace innovation and improvement and funds that were originally spent on salaries and marketing were diverted to care improvement through the 80/20 rule (United States of America, 2015). Large amounts of funds were made available to combat premium increases which have saved approximately one billion dollars nationally (United States of America, 2015). Over $217 million has been made available for primary care services in community health settings with an additional $33 million ear marked for prevention and public health needs (United States of America, 2015). I believe this feature will have the greatest impact on health in Ohio. Increased funding for community projects naturally leads to increased preventative measures and decreased health care costs overall. Close to $235 million was saved in prescription costs by those enrolled in Ohio Medicare through the closure of the medication coverage gap (United States of America, 2015). This results in an average saving of $980 per

The Affordable Care Act (ACA) extended healthcare coverage to millions of formerly uninsured individuals by expanding eligibility of Medicaid and the formation of Health Insurance Marketplaces. The ACA also included reforms to assist individuals sustain coverage and have the availability of affordable and accessible private healthcare insurance. Analysis from 2014 and early 2015 and have shown significant increases in public and private healthcare insurance coverage and have attributed the remarkable decreases of the rates of uninsured individuals from marketplace.gov and health insurance exchanges from the first year the ACA had healthcare coverage available.

On March 23,2010 the Affordable Care Act (ACA), also known as Obamacare, was signed into law. This act aims to provide affordable health care coverage for all United States citizens. “The Affordable Care Act affirms the core principle that everybody should have some basic security when it comes to their health care.” (President Obama) It will provide insurance to more than thirty million people who have been previously uninsured, and will be achieved by expanding Medicaid and extending federal subsidies to the lower and middle income Americans to aid in purchasing private coverage. Although many attempt to view it in a completely positive or completely negative way it affects all aspects of the health care industry in various ways.

The Patient Protection and Affordable Care Act (PPACA), commonly referred to as “Obamacare,” completely changed the American healthcare system. The purpose of the bill was to lower the cost of healthcare, improve health outcomes, and lower the national uninsured rate. To lower the cost of healthcare, the bill provides federal subsidies for government-sponsored healthcare plans to any person or family whose income is between one and four times the federal poverty level and is not covered by their employer, Medicaid, or Medicare (Neporent). In addition, the bill allows children to stay on their parents’ insurance plans until they are 26. Previously, children could only be on their parents’ plans until age 19 ("Is the Affordable Care Act Working?").

The ACA has many beneficial features. 1) Improving quality and lowering healthcare costs attracts uninsured middle-classmen to become insured. 2) Under the new consumer protections, individuals cannot be denied from coverage due to their

17.1% of Americans who did not have coverage prior to the ACA will have access to quality affordable health insurance through their State's health insurance marketplace, or the expansion of Medicaid and the Children's Health Insurance Program (CHIP) (Sommers, Kenney, & Epstein, 2013). Furthermore, there is also a mandate for employers to advance access to work based coverage.

On March 23, 2010, President Barack Obama signed the Affordable Healthcare bill into law. There has been much controversy over this Affordable Healthcare Act before and since it was signed into law. It was estimated that 30 million people would sign up for the new healthcare and that the healthcare industry would need a bigger workforce. Within hospitals across the United States there is already a shortage of nursing and medical staff. What will this new law mean for hospitals in their declining health care professionals? In what other ways will this healthcare law impact hospitals across the United States? This paper will attempt to explore some of the realities and possibilities in greater depth.

The Affordable Care Act or ACA is a federal statute initiated by President Barack Obama, its intended effects were to supply medical coverage at a low cost to millions of Americans who could not afford access to healthcare. There are a variety of economic and scholarly opinions regarding the ACA’s effect on the healthcare market. Many of these viewpoints have changed over the course of Obama’s presidency as the statute began to affect individuals and the healthcare market.

There are also several cons within the ACA which one is most people that have insurance through the marketplace have very high deductibles. With a person having a high deductibles when they go to the doctor for minor things they are still having to come out of pocket when they went to doctor visits due to the deductibles.. This can turn into a problem for some people due to their finances. Another big issue is being fined if you do not have health insurance. I do not believe that this is fair due to the circumstances of people lives. It is said that the fine will increase over time. I look at it like this there are people that try to apply for Medicaid within their state, and are turned down due to them being over qualified. Than we they go and apply for insurance through the marketplace it is too much so for some people they cannot win within this situation. I believe the government should look at it from all standpoints.

The Affordable Care Act (ACA) was enacted in 2010 and was designed to insure millions of people, who did not have health insurance, reduce out-of-pocket expenses for families and reduce costs for small businesses. In essences, when enrollment opens in 2013, the ACA law will target the 42 million Americans that according to a Census Bureau Survey are uninsured (Klein). Indeed, Obama Care from a utilitarian point of view is a huge improvement in medical services to a larger proportion of the population, that prior to this law did not have insurance available to them, including improved availability of health care services and reigning in out of control insurance companies.

“Am I my brother’s keeper?” These are the words believed in by the 44th president of the United States, Barack Obama, with this in mind, he enacted the Affordable Health Care Act, which violated the rights of the American people under the 14th Amendment of the United States Constitution that gives the American people the freedom of choice. Notably, the Affordable Health Care Act demands that the American people have a basic level of health insurance, on the grounds that it allude to the law’s individual mandate, which makes it so controversial, regardless, freedom is the ability to act without constraint, whereas, the Affordable Health Care Act enslaves us to a health care system imposed upon us through the federal government. If we are to

ACA has increased routine preventative care services with no deductible or copay charge. I believe this was strategically implemented, so individuals can attend their medical appointment. However, that’s more likely why some of the private health plans exited the government health insurance market place. The private insurance sector is not profiting modeling the ACA. I believe employers have their employees to pay high deductibles, to decrease utilization. I am not sure if the private sector will ever change.