Health Care Provision Of The Affordable Care Act

Being a minority in the United States has and will possibly always been a struggle. With the economy being in shams and minimum wage becoming career, minorities have multiple issues that society is unaware especially in health care. A large percent of minorities are the majority of workers of America, in which requires the most of the health care distribution. But are they receiving the proper access to health care and prescription access based on their ethnicity/race? Discrimination and racism continue to be a part of the unbalancing inequality in society and have adversely affected minority populations, and the health care system in general. Analyzing some of the racial disparities in health care among Americans are modifications in both need and access. Minorities are most likely to need health care but are less likely to receive health care services, including proper drug access.

Barriers in health care can lead to disparities in meeting health needs and receiving appropriate care, including preventive services and the prevention of unnecessary hospitalizations (HealthyPeople.gov, 2012). In their 2008 annual report, the Agency for Healthcare Research and Quality lists several disparities’ in health care. They report that racial and ethnic minorities in the United States

. Addressing health inequalities and health care is not only important from the point of view of social justice, but also to improving the health of all Americans by improving the quality of care and health of their children. People. Moreover, the difference in health is expensive. An analysis estimates that about 30% of total direct medical expenses for blacks, Hispanics and Asians are excessive costs due to inequalities in health. The difference also leads to economic losses due to indirect costs related to loss of productivity and premature mortality. (Artiga,

Although most American citizens today associate racial and ethnic disparities in public health care quality with socioeconomic status, a majority of studies performed conclude that these discrepancies are still highly prevalent when the factor of one’s socioeconomic status is taken out of the equation. Health disparities for a certain minority result in a higher number of illness, injury, and even mortality for that race or ethnicity in comparison to white Americans; therefore, health care disparities can be defined as differences between groups in health coverage, specifically focusing on both the quality and access to care. The Office of Management and Budget has created two ethnic categories for all American citizens to fit into, being either

Health Care reform is a major topic of discussion in today’s society, especially with the relatively novel release of the Patient Protection and Affordable Care Act (ACA) by the Obama administration. Historically, the health care system has disproportionally favored those of higher class and income, resulting in diminished health care for those that could not afford it. The Institute of Medicine’s (IOM) 2002 report, Unequal Treatment: Confronting Racial and Ethnic Disparities in Health Care, states that a lack of insurance substantially contributes to the proliferation of healthcare disparities. Furthermore, racial and ethnic minorities are most subject to these healthcare disparities because they are significantly more likely to be uninsured. (1) The history of health care reform in the United States, as it pertains to under-insured urban populations, will be discussed, with a specific emphasis on its impact on African-Americans; in addition, the modern resolutions to healthcare disparities will be assessed.

Financial barriers to access health care are common in a low-income family when they are uninsured or underinsured. Many uninsured and undocumented immigrant received federal and state health care coverage. Latinos and African American are the ethnicities that are disproportionally get affected. Limited access to a doctor when they are sick, taking non-prescribed medication and holding off recommended treatment is only some of the problems they encountered (Carrillo et al., 2011).

When president Obama signed the Affordable Care Act in March 2010, it came with a lot of new provisions that would vary when they would come into effect. The very first provision was the “Grandfather Clause” which allowed people to keep their insurance plan before the act went into effect. As long as the employer still offered that plan the employee could still maintain it because they were grandfathered into receiving that coverage. If someone bought an insurance plan after March 2010 they would not be considered under the Grandfather Clause. Thus, these individuals would be required to get a new plan by 2014 if their plan did not meet all the criteria, they would need to get a new plan that fills all the criteria. Another major provision of the Affordable Care Act is that patients have a guaranteed issue. This means that insurance companies are unable to deny anybody health insurance based on their health or prior health. This may create a problem because the risk pool of an insurance company may not have the best people. Eventually, this could lead to the majority of the risk pool for an insurance company to have people who are at a greater risk of needing health insurance. This will make the insurance company more vulnerable and the only way that they will be able to cover the losses is by raising the premiums on everyone even though there may be some individuals that are in perfect health. The next provision that was added under the Affordable Care Act is that the

Health disparities endure tenacious issues in the United States of America, setting certain groups at higher risk of being uninsured, limited access to care, facing a poorer quality of care, and overall negative health outcomes. The high incidence of health disparities reflects the range of individual, social, economic, racial/ethnic and environmental magnitudes. Among the minority groups, African-Americans disproportionately access health care and the health disparities clearly glow in the nationwide.

Although the United States is a leader in healthcare innovation and spends more money on health care than any other industrialized nation, not all people in the United State benefit equally from this progress as a health care disparity exists between racial and ethnic minorities and white Americans. Health care disparity is defined as “a particular type of health difference that is closely linked with social or economic disadvantage…adversely affecting groups of people who have systematically experienced greater social and/or economic obstacles to health and/or clean environment based on their racial or ethnic group; religion; socioeconomic status; gender; age; mental health; cognitive, sensory or physical disability; sexual orientation or gender identity; geographic location; or other characteristics historically linked to discrimination or exclusion” (National Partnership for Action to End Health Disparities [NPAEHD], 2011, p. 3). Overwhelming evidence shows that racial and ethnic minorities receive inferior quality health care compared to white Americans, and multiple factors contribute to these disparities, including geography, lack of access to adequate health coverage, communication difficulties between patients and providers, cultural barriers, and lack of access to providers (American College of Physicians,

The disparities are around us every day and unless we educate ourselves and our communities these disparities will continue to wreak havoc on our neighborhoods and in the future, we will just be putting our kids and their kids in a continuing cycle of ignorance when we could have done more if it’s just educating the community we leave in, that alone could be enough to turn the tides in our people favor. In turn, I would hope this paper enlighten you on what is going on in our neighborhood and what we can do to correct this issue to preserve our autonomy. Racial and ethnic health disparities undermine what a healthcare system should stand for. Although the top three causes and seven of the 10 leading causes of death are the same for African Americans and whites, the risk factors and incidence, morbidity, and mortality rates for these diseases and injuries often are greater among blacks than whites (MMWR, 2005). Health disparities refer to differences in disease risks, incidence, morbidity, and mortality but most of all for the sake of this paper unequal access to quality health insurance amongst African American in the United States, which will also go hand and hand with the social and economic disadvantages. The disadvantages of health disparities usually affect people of African American descent who have systemically experienced a greater social and economic obstacle to health care.

Hispanics are one of the largest groups in the United States that are uninsured. Additionally, the Hispanic population is one of the fastest growing ethnic groups in the U.S. The Hispanic population is estimated to increase over the next 25 years to 32 million out of a total of 72 million of the US population (Brice, 2000). The U.S. health care system is facing one of its most notable societal issues in years in reference to its ability to provide access to medical care for the millions of Americans who do not have health care, for whatever cause. The Affordable Care Act was signed into law on March 23, 2010, for the purpose of reducing inequalities in insurance coverage and to provide access to health care for all. A vital goal of the

The Affordable Care Act enabled more people to obtain health insurance, thus receiving healthcare. This offers a larger variety of people to obtain healthcare, in particular, those who cannot afford it. However, this also increased the stress on a fragile healthcare system with limited professionals and has arguably made a push for a refined method of how to provide and extend care to millions of Americans. The access to healthcare and requirements to have health insurance from 2010 to 2014 have grossly changed. In 2010, if someone did not want healthcare, they did not have to get it, but in 2014, there was a fine established if one refused to buy health insurance. At that point, the fines would cost one more annually than actually buying

Disparities in health and health care in the United States have been a longstanding challenge resulting in some groups receiving less and lower quality health care than others and experiencing poorer health outcomes. Hispanics, Blacks, American Indians/Alaska Natives, and low-income individuals are more likely to be uninsured relative to Whites and those with higher incomes. Low-income individuals and people of color also face increased barriers to accessing care, receive poorer quality care, and experience worse health outcomes. The Department of Health and Human Services Disparities Action Plan (HHS) sets out a series of priorities, strategies, actions, and goals to achieve a vision of a nation free of disparities in health and health care.

The Affordable Care Act (Patient Protection and Affordable Care Act), commonly called "Obamacare," is a federal statute that was signed into law in March of 2010 (PDF, n.d.; Van de Water, 2011). It basically requires the vast majority of people in the United States who do not have insurance coverage to acquire that coverage or face penalties. People who already have insurance through their employers or on their own will not be asked to change companies. Additionally, anyone who is on federally-funded insurance such as Medicaid or Medicare and still qualifies for those programs will not be removed from their insurance. They will still be covered and protected. In order to find out more about the Act and really understand its main points and principles, however, it is very important to be aware of how it became a law and any changes that have taken place to it from its inception all the way through where it is today. Only then can a person have a clear understanding of the Act and form an opinion as to the value it may (or may not) provide to the American public. There is still much speculation and a great deal of misunderstanding about the Act and what it involves.

Changes in access to health care across different populations are the chief reason for current disparities in health care provision. These changes occur for several reasons, and some of the main factors that contribute to the problem in the United States are: Lack of health insurance – Several racial, ethnic, socioeconomic and other minority groups lack adequate health insurance coverage in comparison with people who can afford healthcare insurance. The majority of these individuals are likely to put off health care or go without the necessary healthcare and medication that is needed. Lack of financial resources – Lack of accessibility to funding is a barrier to health care for a lot of people living in the United States