Compare And 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.

The concept of providing basic healthcare services to individuals in need has undergone an agonizing transition, from a luxury once only afforded by the affluent to a basic human right granted to citizens of every economic station, and the recently enacted Affordable Care Act (ACA) was designed to finalize this ethical evolution. Reflecting perhaps the bitter political enmity currently consuming the nation's once cherished democratic process, Republican legislatures in states throughout the union have bristled at the ACA's primary provisions, threatening all manner of procedural protestation as they attempt to delay and derail the bill's eventual implementation. One of the most intriguing aspects of the sprawling, thousand page law, however, has been the stipulation that individual states will be given a choice to either accept federal funding to expand their statewide Medicaid roster, or to forfeit all federal funding for that program in perpetuity. The role of government in monitoring and regulating the healthcare industry has been long debated, and the bitterly contested passage of President Obama's ACA, a law aimed at revising the country's health insurance system through the creating of a federal health insurance exchange to facilitate increased competition among insurers, has rekindled the debate over who holds the ultimate responsibility for regulating the care provided by hospitals, community clinics, and private practices.

The ACA is meant to be an affordable coverage to 30 million Americans by making having affordable insurance for employers from middle to low income Americans and expanding Medicaid and Medicare. The main goal is to lower the healthcare cost and give better healthcare. ObamaCare is also meant to lower premiums and insurance costs. All Americans are required to have insurance and gives

On March 23, 2010, the Affordable care act also known as “obamacare” was signed into law by president Barrack Obama. Only gay marriage legislations and gun laws have elicited more public response than the affordable care act. Both opponents and proponents have presented constructive arguments of the perceived failures and strengths of the act. Owing to the intense debate surrounding the act, very few people understand that the act only came into full implementation in 2014. The raving reviews and critiques of the debate have bordered on myths and perception influenced by political alignments. Pertinent questions have been asked about the affordable care act. There have been conflicting accounts on the role of the affordable care act in regulating the health insurance industry. Concerns have been raised on why patients are paying higher out of pocket expenses yet the affordable care act was meant to introduce checks and balance in healthcare provisions. This paper therefore seeks to deeply explore the affordable care act by researching on these questions. The paper will also demonstrate perspectives on the good and the bad that comes from the affordable care act. Lastly, the paper will analyze healthcare situation in New York City with statistics showing that healthcare services are becoming more expensive in the city even after the full implementation of the affordable care act.

Although the ACA have made progress, many still question whether or not this new law is working. The law is too complicated for people to understanding their coverage. "The ACA is not perfect", "but at least" the U.S. has taken one step toward reducing the disparities between rich and poor and providing health coverage to everyone (Gruber, 2011). In this paper I will discuss the benefit of the ACA and the affect it will have on provider reimbursement.

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

The Affordable Care Act (ACA), also referred to as ObamaCare, is a complex U.S healthcare reform that attempts to expand and improve access to healthcare and decrease spending through taxes and regulations. The main goal of the ACA is to provide more Americans with affordable health insurance. States vary in when and how they implemented the ACA in order to meet the needs of their state in hope to decrease the uninsured population. Every state had the option decide whether to offer healthcare through a state-based or a federal marketplace. Some states sued the federal government questioning whether they even had to right to impose this act. New Mexico and Pennsylvania are just two of the states that have had to figure out a way implement the Affordable Care Act. Each one had to take into consideration several factors including their state population, the demographics of that population, how many uninsured people there were, and the economy of their state. They both had the public plans such as Medicaid, Medicare and Children’s Health Insurance Program (CHIP) options as well as new federal subsidies that would now be offered depending upon income. Since there is no “one size fits all” health plan each state was challenged to make the best decisions using the tools available to them. This information was then used to formulate a plan that would give the most people access to affordable healthcare in each of these

Romneycare requires everyone to get health insurance through the state market place. Both this law, and the Affordable Care Act require businesses to cover all full-time employees. Also, both laws make dropping an individual due of preexisting conditions illegal. Since 2006 almost 90% of Massachusites are insured, and since 2006 Massachusetts has had surpluses in its budget (Kolesnikova). With this extra money, public service projects were preformed such as restoring the I93 tunnel and the Leonard P. Zakim Bunker Hill Memorial Bridge. On a personal level, the law helps individuals and families who are struggling with money. Mary Flynn who has asthma normally paid $60 a month for her inhaler, after her insurance dropped her because of the asthma, she went to apply for RomneyCare. “I felt like they threw me a lifeline,” she said, adding that her inhaler now costs her just $3.50 a month. “It’s the best insurance I’ve ever had” (Kolesnikova). This state law, if properly administered on a federal level, would have similar positive affects nationally.

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.

Since the implementation of the Affordable Care Act (ACA) in 2010, there has been a continuous debate about the effects it will have on the United States economy. Many people argue that expanding insurance coverage for all people will create crippling cost burdens for the economy and taxpayers. While others believe that the ACA will in fact give the economy a much-needed boost. In 2006 as a measure to improve overall healthcare, the state of Massachusetts implemented the Health Care Insurance Reform Act. This paper looks at the positive and negative effects of the Massachusetts Health Care Insurance Reform Act (MHRA). Using a literature review of public health studies ranging from 2009-2012, I argue that there are both positive and negative effects of the Massachusetts Health Care Insurance Reform. While the Massachusetts Reform increased health insurance coverage for all citizens and decreased the number of uninsured citizens accessing emergency rooms, it also did very little to decrease already existing racial, ethnic, and socioeconomic disparities among minorities and whites in the state of Massachusetts. Understanding the Massachusetts Health Care Insurance Reform Act may help in the goal of trying to achieve near-universal healthcare. This paper provides an understanding of the missing pieces in the Massachusetts Health Care Insurance Reform Act and constitutes a starting place from which to understand the Affordable Care Act.

Typically, when the United States mandates a new federal policy, it is up to the implementation of states to enforce; The Affordable Care Act (ACA) is no exception. While the ACA has sparked a particularly concerted effort of objection amongst states (Leonard, 2012), it can be extremely beneficial to see the outcome of this implementation in the political context of each state and learn from their differences. In New Mexico, the main objective of the ACA was achieved; when reviewed in 2015, 52,358 individuals had either opted for or were re-enrolled in health insurance through the Marketplace who would have otherwise been uninsured (Assistant Secretary for Public Affairs, 2015). As the future of the policy will rapidly change in the coming months, it is imperative that a concerted effort be made to look at what worked in the past few years so that the next few may move forward rather than rehash a previously treaded path.

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 newly enacted law decreed that almost all of Massachusetts’ residents obtain a minimum level of insurance coverage. It also gave free health care insurance for Massachusetts residents that earned less than 150 percent of the federal poverty level. It also decreed that all

In Massachusetts, the Massachusetts Health Care Reform Act had a considerable impact on hospitals and the health care system. Most community health centers were benefiting from coverage expansions and safety net hospitals were struggling financially due to the fact that the state put more funding towards insurance subsidies to expand coverage. Academic medical centers (AMC) were able to

The ACA requires insurers to accept all applicants, cover certain conditions, and charge the same rates despite one 's sex or pre-existing health status. There are ten provisions that make up the ACA which were to be implemented over time, from 2010 through 2020. The first provision is individual insurance, which prohibits insurers to deny coverage based on one 's pre existing health conditions. States were also required to make insurance available to children who are not insured through their families. Medicaid was also expanded to include individuals and families with an average income of thirty thousand dollars a year. This mandate will not cover those who are illegal immigrants, eligible individuals who choose to not be enrolled in medicaid, those who choose to pay the penalty, individuals whose insurance would cost more than 8% of their income, and those who live in states that opt out of the medicaid expansion.