Health Care Policy Project Part One

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Health Care Policy Project-Part One House Resolution (H.R.) 370 was introduced to Congress on January 9th, 2017 by Republican Rep. Bill Flores of Waco, Texas. The bill itself is quite simple, totaling two pages in length. The main purpose of the bill is repeal the Patient Protection and Affordable Care Act of 2010 (ACA), completely restoring or reviving the laws it amended as if it had never existed. Unlike similar repeals to the ACA, this bill does not have a replacement plan or any sort of alternate plan. It simply takes the ACA away and restores the law to their pre-ACA state. This is concerning for many reasons, but it may also have some benefits as well. The future of America’s health care is ever changing and it is more important…show more content…
On paper, this idea was great because it forced insurance companies to lower premiums in order to stay competitive. However, one of the many issues with lowered premiums was the increase of deductibles and co-insurances which then greatly increased the out-of-pocket costs for patients. This realization caused millions of Americans to drop their policies. Insurance companies then began to pull out of the exchange while laying off thousands of employees due to a loss of funds. While the marketplace was a flop, the prohibiting of preexisting condition exclusions of health insurance companies continues to be the best and most important change made by the ACA, in my opinion. Before the ACA, private citizens without access to health insurance through their employer or through state assistance were often denied coverage due to an ever-growing list of preexisting conditions. This caused millions of people to go uninsured and have little to no care. The ACA eliminated these exclusions and allowed access to health care for every American. Another downfall of the ACA was the fact that it made health insurance a requirement for every American. If an American was not insured, they would pay tax penalties every year at an increasing rate. The basic idea behind this strategy was to lower the cost of health care costs overall by having insurance companies become more competitive. It also had the intention of decreasing government spending on the cost of treating uninsured
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