Forced Insurance
My topic for this journal is forced managed care also known as Obama Care. I do understand the intention of Obama care which is to provide insurance to all people. I have not researched this topic for this assignment I am going on conversations that have heard from average people like myself and the media. I believe that people should not be penalized by the government for not having insurance; in my opinion this is a personal and private decision that is no concern of the government. If I make the choice not to have health insurance because of the extremely high premiums for my family and I, I take the responsibility of having to pay for medical needs out of pocket. I appreciate the government concern but I feel as though
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My oldest daughter is now 23 years old and in the military, but I have a 21 year old in college that I get some assistance through grants and loans but I have to pay at least $4000.00 per semester in order for her to get an education (another hot topic). My 16 year old has needs as well. With mortgage, utilities, groceries…..I can not afford the $500 bi weekly premium that my job offers that does not include dental and vision. On the other hand from what I gathered for my family the premium would be just as high. So in my situation I feel as though I would financially do better by paying out of pocket for care. Actually hospitals and doctor office charge the insurance company more for diagnostic testing than for a person who pays out of their own pocket. I am very blessed that my family is healthy however I have the right to choose if I want medical insurance and not be penalized monetarly at the end of the year. Either way the government wins Obama Care which is not free and not even discounted in most cases and then by this $7,000 penalty. I propose a truly affordable care for the middle class people that is based on the inndividual family needs and situation. It is not fair for a healthy person not to work and get subsidized healthcare and someone like myself who works very hard not get
Health care has been a controversial topic of discussion for all Americans since it was put in effect many years ago. Currently the biggest debate of Healthcare up to date is Obama’s Patient Protection and Affordable Care Act, also known as Obamacare, is a Health care Reform that is a governmental attempt to make basic health care easily obtainable. However, there are no benefits without cost in situations like this, and upon that are different viewpoints on the subject thus creating political debates discussing if it is ethically correct. The overall goal that Obamacare hopes to accomplish is that through specific changes through insurance companies, industry standards, and patient guarantees a healthier America will be produced. Obamacare has its ups and downs for both the generally agreeing democratic viewpoints and the opposing republican side. Both viewpoints have their own beliefs about how Health care works and Obamacare is somewhat in between on this. Most arguments on Obamacare deal with Medicaid being constitutional and if Obamacare truly reduces the total cost of health care for individuals and in the government.
In America, the number of uninsured rises every year and no solution to the problem has
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.
The goal of this paper is to explain the downfalls of Obamacare and share the stories of individuals affected negatively and directly by the approval of the policy. Although Obamacare set out with good intentions, many people are still left without health care coverage because of the constant revisions of the bill. There have been many taxes raised for the approval of this policy, and has caused problems for individuals who do not want coverage under Obamacare but would want coverage under a different company. Obamacare has helped some, but has caused other problems that would make it a bill that should be up for repeal.
The Affordable Care Act (Obamacare) from being introduced in 2010 has not been well received by the public. Two main consequences are economic issues, and many states rejecting the act. Economic issues are relevant because it is assumed that insurance premiums are increased, rising cost increases during a recession, mandated benefits and other costs will be passed on to consumers and billions of dollars will be taken from seniors Medicare benefits. In addition, a requirement of the act is that insurance companies spend at least 50-80 percent of premium dollars on medical care, which will lead to less consumer choice and higher prices. Many states are choosing to reject the act
The topic that I am choosing to do is on Obama Care. I chose this topic because the idea of the government forcing people to obtain insurance is wrong in my eyes. I am interested in analyzing the validity for what has been said about this topic in order to increase my understanding about Obama Care. I am not an expert when it comes to Obama Care. I know that this is an insurance that is being provided through the government for the general public. I have read that President Obama never initially read the whole bill itself. I also know that people who cannot afford it, but make too much money to qualify for Medicaid are being heavily encouraged to get this insurance. Some of the common knowledge that I have
Recently, there have been various issues being debated in the American healthcare system. While many of these issues have been debated amongst for many years, they have recently been debated and focused on more heavily due to the change of Presidents. One of the most leading problems that is being debated right now is the cost of health insurance. Originally, the Affordable Healthcare Act was supposed to make healthcare insurance affordable and more attainable. A few years after the Affordable Healthcare Act was implemented; it became evident that it was a failure for the most part. In a vast majority of cases, it failed many Americans. The Affordable Healthcare Act in many cases has made healthcare insurance less affordable for the American
Public policy, such as subsidies in the form of tax credits for the purchase of health plans through the exchanges, have been in existence since the inception of the ACA, but one could contend that this falls short on many fronts. Subsidy thresholds and amounts are simply too low and premium costs too high for many middle-income earners to make ends meet. In some cases people would rather risk going without insurance and pay the penalty, than pay for a plan they can’t afford to use anyway (Bernard,
The article I choose for the Unit 4 Assignment addresses how health care reform is unfinished business in United States. We still have many barriers to overcome if we to provide coverage and access to everyone who cannot afford it. Since I am earning a degree in Health Information Technology and already work in the health care industry this article is relevant to my field of study. This is a hot topic in our country today as it seems that everyone has an opinion on this subject whether for or against the Affordable Care Act. I am including my freewriting on this article below:
According to Kaiser Health News “Often, consumers discover they’re underinsured the hard way when they break a leg or have a serious illness, such as cancer, and their medical bills exceed their benefits enough that it is difficult for them to pay.” (“The ‘Underinsurance’ Problem Explained”).People who are underinsured have a hard time paying for their medical needs and appointments. When a person cant get a treatment for their medical condition it an affect their health greatly. People who are under or uninsured cannot pay for regular screening for cancer a lot of times because their insurance doesn't cover for it or they do not have any insurance. According to the Henry J. Kaiser Family Foundation “Nearly a quarter of uninsured adults say they did not take a prescribed drug the past year because they could not afford it” (“ HOW DOES LACK OF INSURANCE AFFECT ACCESS TO HEALTH CARE?”).No one that lives in America should have to skip there doctors appointment because of there lack of
The proposed health care reform bill attempts to change issues of public policy and health care management for the poor and uninsured. Many leaders from the Democratic Party are actively engaging in policy-making to fix what Rep. Henry Waxman (D-California) calls a “‘dysfunctional’ health care system” (2009). Currently, the U.S. health care system denies people with pre-existing conditions from receiving care. Another problem with the system is that the health insurance that some employers offer may be so expensive that their employees cannot afford it. Any cuts in Medicaid may mean that physicians have fewer incentives to provide adequate care for the poor. These are some of the many problems that the Affordable Health Choices Act attempts to address. Fiscally conservative political and business groups oppose this measure because they believe that any changes in public policy and health care management might affect them negatively.
Obamacare may be one of the most debatable topics at the moment ever since 2010. For those who are still confused on what Obamacare is and how it works is understandable and common amongst Americans. Obamacare is also known as the Affordable Care Act. It can be summed up as a law that ensures every American has access to health insurance that is affordable and within their budget. This is done by offering people discounts on government-sponsored health insurance plans, and by expanding the Medicaid assistance program so they include more people who can’t afford health care. In order for someone to qualify for Obamacare they must have an insurance plan that covers at least ten essential services that pertain
As required by most states, confirmation of insurance is generally required to enlist a vehicle. The base sum required for scope has a tendency to rely on upon every states laws and prerequisites. By and large, most states oblige individuals to acquire an arrangement with substantial and property harm scope. In any case, these necessities rely on upon the state at which a man lives and will influence on the off chance that they can get cheap insurance.
In the United States, few topics are as largely disputed with such fervor as the discussion of a healthcare mandate. The decision to require health insurance by all Americans has led to a split between those who support health care as a required right, and those who do not. Those who support the health insurance requirement believe it will lead to an increased population coverage and better benefits; those who do not, believe these changes give the government too much influence on the healthcare system and that the quality of current healthcare will be diminished. Within these groups, individual differences, such as age, have an impact on their individual beliefs and who they support. My position is that health insurance should be considered an institutionalized right rather than a personal choice. As with all healthcare systems, there are tradeoffs being made which have both positive and negative impacts on the population: one can only hope that through time and trial that new and better systems will be developed and ultimately implemented.
The topic of discussion is the fairness of an individual mandated to purchase health insurance. It was one of the most argumentative subjects in U.S. politics: the federal health-care law's requirement that everybody has health insurance or pays a fine. Supporters of this debate, argue that it’s fundamental to make health care more affordable and available to everyone.