President Obama signed the Affordable Care Act on March 23, 2010. This law puts in place widespread health insurance reforms that expanded out over the last 4 years and continues to change the lives of many Americans today. Health care reform has been an extensively debated topic for multiple years, and the ACA is the first effective attempt at passing a law aiming to make health care not only affordable, but accessible for all individuals. The law impacts many Americans including, children, employers, government programs which includes federal and state, health plans and private insurers, health care coverage, health care cost, and the quality of care received. The main goal of the law is to expand health care coverage, broaden Medicaid eligibility, minimize and regulate health care cost, and improve the health care delivery system. In order to improve the health care delivery there have been new consumer protections established and an increase access to affordable care.
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
No one plans to have oneself or a family member diagnosed with a chronic disease or to be involved in a debilitating accident. Unfortunately, these situations are all too familiar and can happen every day. Having health insurance when these life changing events occur can provide a person or family
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
The Affordable Care Act (ACA) is considered to be one of the most radical health care moves in legislation after Medicare. The reason being that it will provide universal health coverage to everyone regardless of circumstance. An evaluation of ACA’s influence on health care will be evaluated in this paper.
Throughout the novel Jane Eyre by Charlotte Brontë, many of those who lived in poor conditions died because they didn’t have access to proper health care. In the beginning, it’s shown that Jane’s poverty-stricken parents died after being sick, and the same happened to Jane’s childhood friend Helen after a typhus outbreak at their school. In both of those situations they were too poor to receive the medical care that they needed. This problem still exists in modern times, except it involves not only the poor, but also the elderly and disabled. In the 1960s the Medicare and Medicaid programs were put into place to try to help those that can’t afford health insurance. However, not everyone is eligible for those programs, so they still lack
The Affordable Care Act, also known as Obamacare or ACA, is the health reform law enacted in 2010 by Congress. The official name of this reform is the Patient Protection and Affordable Care Act. Many provisions of the law are already in effect and the rest are going to continue to develop until 2022. After a year of intense political wrangling, the health reform initiative was passed by Congress. Even though it falls short of providing universal coverage, it is unlike the Clinton proposal. The Affordable Care Act was intended to expand US citizens’ and legal residents’ access to health insurance coverage, control future costs, and improve the functioning of the healthcare delivery system. It improves access to care and balances spending through regulations and taxes. Healthcare has always been a crisis in the US and the Affordable Care Act contains hundreds of different provisions that address these aspects. The Affordable Care Act increases the quality of health insurance at an affordable price so all Americans can have access to it. In exchange, most people who can afford to obtain health coverage must by 2014 or pay a per month fee. The ACA offers Americans a number of new benefits. It sets up a Health Insurance Marketplace where we can purchase federally regulated and subsidized Health Insurance during open enrollment. It expands Medicaid to all adults in many states, as well as improving Medicare for seniors and those with long term disabilities. Obamacare expands
It has been six years since the Affordable Care Act has been implemented into the United States healthcare system. As the pieces and provisions of this monumental federal statute become understood and executed, it is transforming the demand for care. Prior to the ACA, a significant number of Americans were marginalized and unable to obtain coverage. This system was faced increasing healthcare costs, placing greater financial strain to everyday Americans, businesses, and public health insurance systems. The ACA did not only help ensure health coverage for all (almost
Since the law was signed in 2010, the Affordable Care Act is a working progress, it continues to changes to help improve individual’s needs. When the Marketplace, first launch there were some technical difficulties. The marketplace website was created so consumers can shop for affordable insurances that meets their needs. Now, despite some of the difficulties and the negativity from the media, the Affordable Care Act has many constructive effects. Obama care created the patient’s bill of rights. What many Americans fail to realize is, why many individuals were without health insurance. Before the law was created, insurances were more like a business. They would drop people without notice, raise premiums rates, or simply deny
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.
The Affordable Care Act (ACA) was signed into law on March 23rd, 2010 by President Barack Obama. This radical health care law was a much-needed step in comprehensive health insurance reform. Three important features of the Affordable Care Act are 1. Improving quality and lowering health care costs 2. New consumer protections and 3. Increased access to healthcare. (Key Features. 2014). Under the umbrella of these three key features additional benefits include free preventive care, drug discounts for senior citizens, increased protection against health care fraud, small business tax credits, increased access to health care through the health insurance marketplace, consumer assistance, and non-discrimination based on pre-existing conditions.
Once the foundation of the U.S. health care system was reviewed, we began our study of the new regulations. The Affordable Care Act contained three main provisions. The first provision was expanding Health Insurance Coverage. Elements of the regulation included offering coverage to the vast majority of currently uninsured Americans by expanding access to Medicaid to cover all non-elderly individuals below 133 percent of the federal poverty level (FPL), and establishing state-based health insurance exchanges, which will offer Americans a range of private health plan options, with federal tax
Because millions have been able to free ride the health care system Obama emplaced a new health reform changing thousands of lives, making healthcare affordable for all people and giving citizens who are already covered new or more benefits. Healthcare has always been a pricey yet necessary asset to life. In the 1920s the middle class seemed to have struggled with the growing cost of medical visits. In the late 1920s a Dallas hospital started to offer joint affordable healthcare for only $.50 a month. Soon other states started to use the same method. The US began to identify the process as the Blue Cross. In that same year the stock market crashed and the Great Depression started. Essentially crushing everyone's financial stability, the
The Affordable Care Act (ACA) has been a topic of dispute since its introduction and continues to be discussed by politicians in the U.S. and throughout the world even after its passage. The Act has many opponents and is the cause of much controversy nationwide, primarily because it introduces higher healthcare costs for the richest citizens. Nevertheless, the ACA is an important stage in the American healthcare development process as it not only allows more people to receive healthcare services, but will also reduce the deficit. However, not everyone agrees. The policy is controversial in terms of cost vs. benefits, but the benefits ultimately outweigh the costs.
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.