Benefits Of The Affordable Care Act

In 2010, the United States created The Affordable Care Act (ACA). The objective was to share the responsibility of costs between the government, individuals, and employers to provide affordable access to quality health insurance. “However, health coverage remains fragmented, with numerous private and public sources, as well as wide gaps in insured rates across the U.S. population.” (“United States: International Health Care System Profiles,” n.d.). Each individual state within the US, generally has control over private insurance.

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

D., Buchmueller, T., Decker, S. L., Carey, C., & Kronick, R. (2012). Also, coverage gains were greater among nonstudents oppose to students, and among those in worse health than those in better health. These groups with larger gains were also more likely to have had fewer insurance options before the Affordable Care Act; sicker people because of exclusions as well as denial of coverage in the nongroup market, and nonstudents because insurance plans before 2010 typically allowed parents to claim children ages 18–22 as dependents only if they were full-time students. Sommers, B. D., Buchmueller, T., Decker, S. L., Carey, C., & Kronick, R. (2012).

Americans have been faced with a new health care reform act known as Affordable Care Act initiated in 2010. Why was it so important for this nation to reform is health care system? How are we sure the ACA is improving our system for the American people? For many years, the health care industry has left many Americans uninsured. With health care costs on the rise and very few able to afford costs, and the quality of care in underserved areas not what it should be has left this nation largely unhealthy. Several landmark reports, including the Center for Disease Control factsheets and the Healthy People 2020 have astounding statistics confirming these alarming rates and clearly identifying the need for reform. The Affordable Care Act is the starting foundation for Americans to start investing in their own promotion of wellness and disease prevention. By choosing healthier lifestyle changes, individuals can make a difference which in turn will improve our nation’s overall health for the better.

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

Now with this rule, everyone is given the right to own coverage, so in the case of an emergency they’ll be readily able to afford this financial burden. Another rule that was implemented was that “young adults [were allowed] to stay on their parents’ plan until age 26” (Eddlem, 2010, p.1). This is exceptionally helpful for those young adults who aren’t able to financially support themselves. In the past when this age was only 18, those without jobs or any source of income couldn’t afford to have any health insurance. Now that the age has been extended to 26, these uninsured young adults are covered until they are able to financially take care of themselves.

There are many laws in the United States of America, but there is one law that is especially important, as it causes a lot of controversy, and politicians not in favor are trying to shut it down. In the 2016 election, the candidates have different opinions on it, and they argue about it a numerous amount of times. It is one of the main issues of the debates. The law has caused both benefits and problems for citizens of the USA. Some citizens of America have violently protested against the ACA, while some citizens lives depend on it. This law is called the Affordable Care Act, signed in 2010, and I strongly believe that it is a good law.

The Affordable Care Act is a law that was enacted on the 23rd of March 2010. Regardless of the fact that it was put into place in 2010, there are still numerous aspects of the law being debated today. The law has several provisions that are expected to take effect between the year of 2010 and 2020 (Reid, 2012). Among the significant reforms in the law includes a clause prohibiting insurers from refusing people coverage due to some preexisting conditions. In addition, these companies should offer the same price for all clients who are in the same geographical location and are the same age. Another reform was that families that are in the poverty line should receive federal subsidies if they decide to buy insurance through an exchange. The government also created minimum standards for insurance policies. The government also established health insurance exchanges as platforms for comparison of different policies. The Affordable Care Act also has an individual mandate

We should alter The Affordable Care Act because it has and will have a negative impact on the US causing more political arguments and splits involving the House, Senate, and President. The Affordable Care Act or also known as Obamacare has been adopted by americans for various different reasons, it is known as something that help but also has a negative impact on the people. It allows citizens with low income to obtain health care affordably, hence the name of the act. Unfortunately there is a darker side to Obamacare that seems to have been a bit overlooked and ignored. The Affordable Care Act may seem to have many benefits, but the cons of it are emerging from underneath the surface. Both republicans and democrats have worked to create

The ACA addresses eight themes: Access; cost control; quality improvement; prevention; workforce; revenue; administrative items; and the CLASS Act (which was eventually repealed) (Emanuel, 205). The “access” section primarily focuses on efforts to cover the 15 percent of uninsured Americans at the time of the ACA’s conception. Part of this included raising the age young adults could be covered by parents’ insurance until the age of 26, which affected three million young adults who otherwise would have been uninsured. The largest chunk of the section, though, was dedicated to transforming Medicaid and establishing web-based marketplaces that would allow people to buy health insurance with government subsidies. By 2014, the ACA established nationwide eligibility standards dictating that American adults under the age of 65 with incomes below 138 percent of the federal poverty level would qualify for Medicaid (Emanuel, 205). Prior to the decision, some states were only providing Medicaid to residents making as little as an abysmal 18 percent of the federal poverty level ($20,090 for a family of three) (Medicaid,

The Patient Protection and Affordable Care Act establishes new requirements for health plans and insurers changed in order to expand access to affordable coverage, and prevent individuals from losing certain coverage. New coverage insurance market regulations will prevent health insurers from denying coverage to people for any reason, in which their health status, and charging people more based on their health status and gender. These new rules will also require that all new health plans provide extensive coverage that include at least a minimal set of services, caps annual out‐of‐pocket spending that does not impose cost‐sharing for preventive services, as well as no impose annual or lifetime limits on coverage. For example, new insurance market regulations within private insurances allow young adults are able to stay in their parents health insurance up to the age 26. Once an employee has reached age 26 they have to upgrade from their parents insurance plan to defendant coverage plan eliminating annual and lifetime limits on coverage such as rescissions and waiting periods within 90 days. Health insurers will be prohibiting from placing an age limit to their coverage in case of fraud. Large employer that offer coverage plans will have to automatically places employs in to a low cost premium plan if the employ sign up or exit out of coverage. Overall health plan premiums will be able to vary based on an age, geographic area tobacco

The Affordable Care Act, more commonly referred to as the ACA or Obamacare, is a topic of great controversy amongst Americans. The ACA has made changes in every aspect of health care in one fell swoop. Insurers, health care providers, medical equipment suppliers, small businesses and the insured people of America were all affected by the passing of this act. With these changes there are many new advantages to health care that are for the common good. For example, Obamacare has made it so that pre-existing conditions can no longer be turned away from insurance companies, contraception is free, preventative care screenings come at no cost to the insured no matter the insurance plan, and there is a cap to

The ACA has several important expanded coverage features. Most notably, the new law keeps young adults, 26 years of age and younger, on their parent’s health insurance plan. This particular aspect of the reform allowed up to 3 million young adults to remain covered on their parent’s plan which mean 3 million more people had access to primary care, urgent care, and medication. This was a huge increase from 2010 in which 30% of young Americans between the ages of 19 and 29 had no health insurance coverage. (ObamaCare Young Adults. 2010). Additional features of increased coverage under the ACA was the

The primary goal of the Affordable Care Act was to expand health care access to Americans and subsequently reduce the number of uninsured in the nation. From September 2013 to March 2015, there was a significant reduction in uninsured Americans from 17.6% to 10.1% (Anderson, Hempstead, Karpman, Kenney, Long, Shartzer, Wissoker, Zuckerman , 2015). This was achieved through the new laws affecting private insurance and the expansion of the government’s Medicaid program. The ACA started the process by extending tax credits to an estimated 4 million small businesses that would help them provide insurance for their workers in 2010 (Implementation, 2016). In 2013, a marketplace exchange was finally opened for the American people to compare and purchase

The implementation of the Affordable Care Act (ACA), popularly known as “Obamacare”, has drastically altered healthcare in America. The goal of this act was to give Americans access to affordable, high quality insurance while simultaneously decreasing overall healthcare spending. The ACA had intended to maximize health care coverage throughout the United States, but this lofty ambition resulted in staggeringly huge financial and human costs.