Health Insurance : A Hot Topic On Capitol Hill

In America today there are approximately 17.6 million children 18 and under who have a pre existing health condition. These conditions range from just having asthma or breathing problems to a serious disease like diabetes or cancer. Getting treatments for these conditions costs a lot of money. If your child is one of the 17.6 million that has a health condition how are you going to pay for the expenses? Now the insurance companies will turn you down since he or she has a condition already Or will they? With the new health care law in place now your son can get the health insurance he needs to be healed in no time. The Affordable Care Act or “Obamacare” is the law that will change health care forever. Obamacare will help Americans because it will give every American access to healthcare, lowers the healthcare costs while improving the quality, and will give patients new consumer protections.

There needs to be an urgent reform of the Obama affordable health care act. The Obama health care act perhaps was an attempt to solve the solution of the American health care crisis. Obama care has created another crisis. Even those with health care coverage can not afford the out of pocket expenses. Emergency rooms are not adequately prepared for the increase in the volume of patients. Health care workers are becoming overloaded and elevated stress levels. There must be a cap on all health care cost for medical treatment. The middleman needs to be cut out. Middleman includes county clinics (on government funding who take advantage) , medical referral services, pharmaceutical company 's, and the health insurance company 's.

Franklin D. Roosevelt once said, “Remember, remember always that all of us, and you and I especially, are descended from immigrants and revolutionists.”. It is a common assertion that the United States is a “melting pot”-a mixture of numerous different cultures, ethnicities, religions, and people hailing from all over the world. However, just as proudly as this is proclaimed, there is another truth that becomes evident: prejudice against those who dare to make a better life by emigrating to the U.S. is alive and thriving. This unfortunate reality is nothing new. “Immigrants constantly face being discriminated against because of the color of their skin, the sound of their voice, or simply because of the way they look and their beliefs”

I am not sure about the future of the Obamacare. There are many attempts and efforts by the new president and the congress to repeal and challenge the Obamacare. We have to wait and face an uncertain future of the ACA law where change is certain but progress is not guaranteed. I believe in a high-quality healthcare delivery to my patient, so for me it does not matter. I would like to work in underserved or rural

In my view The Patients’ Choice Act that was introduced by Paul Ryan in 2009 would have been a better choice for the new health care reform than The Affordable Care Act. Even though there is no health care crisis of the uninsured, Ryan’s plan would have involved incentives for preventive care that could lower the cost of premiums and encourage healthier lifestyles. Under The Patients’ Choice Act, the American people retain their freedom whether to have health care or not; however the ACA has a personal mandate that requires individuals to carry health care insurance or face a fine (tax). There are consequences when people feel they have a right to health care instead of working for it. Ryan’s

The introduction of the Patient Protection and Affordable Care Act of 2010 has been the best perspective to allocate resources to improve access, cost, and quality of care to all Americans in recent years. It is has allowed the expansion of Medicaid, which in turn provides coverage to millions of low-income Americans, it extended family coverage for children to twenty-six years old, and ultimately, more than seventeen million Americans have gained health insurance thanks to the Affordable Care Act. Quite impressive, yet it is not as appealing as it seems; for the government implemented a plan attempting to create universal healthcare within the private sector. This, in course, made few rates fall while many others rose. An online article

Resource allocation has been a complex topic in medicine. Physicians are meant to be patient advocates as well as managers of health care costs. How can an advocate be involved in a process that limits care to some, while providing more complete care to others? As the elderly population grows, the idea of rationing care has become an ethical discussion. Reasons for rationing resources and care might be to preserve dwindling resources or to prevent waste. However, there is a question about who decides what is wasteful or non-beneficial to patient care. The Affordable Care Act is allowing individuals who could not afford healthcare to have access to clinicians and resources. This presents a new concern where more physicians, who already

The health care debate has been a tricky one over the years with legislators ongoing decision on whether rules should be put in place that would even out the playing field between regular folk and health insurance companies. Obtaining affordable health care has been difficult for many and has raised some eyebrows about how these health care companies continue to make billions of dollars a year while people’s health continue to suffer. In 2010, a health care reform, the Affordable Care Act or “Obamacare”, was signed into law which eliminated those obstacles and limitations set forth by the healthcare industry.

In 1915, reformers issued the first major proposal for national health insurance in the United States. In 1929, the first current group health insurance plan was formed. Since that time, Americans have relied on private insurance to help protect their families. Across the nation health insurance has provided a level of comfort when a medical situation arises. Policyholders know that there will be reliable services as well as assistance with the costs. Since the passing of The Affordable Care Act (ACA) in 2010, there has been agitation in Washington, and it continues to be a topic for arguments among Americans. Even though healthcare has always been a priority, an important part of our lives, the ACA, and its provisions are detrimental. The

Healthcare expenditures have more than doubled since 1965. Americans spend over a trillion dollars a year on health care. (2). As of 1996, 110 million Americans were enrolled in HMO's. More than three-fourths of all individuals in HMO's are covered by job-based insurance. More than 13 million Medicaid recipients have been put into managed care plans. Managed care and HMO's have been the subject of many negative stories in the press and are constantly being charged with endangering the health and lives of their enrollees. As a result, congressional hearing, state, and federal regulation, and action by the

The Patients’ Choice Act gives the American people opportunity to choose the health care plan that meets the individual health needs. The Obama administration under the Democratic Party felt the need for a different health care reform, The Affordable Care Act (ACA). To justify this health care reform the Democratic Party implied that the health care crisis in the United States is caused by the uninsured and that everyone had a right to health care. Under the Patients’ Choice Act, the American people retain their freedom whether to have health care or not, however the ACA has a personal mandate that requires individuals to buy or carry health care insurance or face a fine (tax). To fund ACA

A huge number of industry experts depend on AHIP to give top notch promotion, instruction, and data. The AHIP Center for Policy and Research is the exchange affiliation 's examination arm. The middle distributes research on an assortment of types of private medical coverage, regularly in light of review information accumulated from AHIP part organizations. The types of protection contemplated incorporate inability to pay and long haul care protection and also distinctive sorts of therapeutic cost protection. Wellbeing arranges assume an exceptional part in uniting those included in human services. This coordination of consideration is key to wellbeing arrangements ' worth in the framework. Patients get better care when it is composed consistently over numerous specialists, offices, and remedies or medications. Medical facility arranges likewise have entry to clinical information from a huge number of associations with social insurance experts

In 2015, HDHP covered 24% of the workers in the employers that offer it, up from just 4% in 2006 (Kaiser/HRET, 2015). The increase in the number of the HDHP enrollees didn’t only occur in an employment-based market, but also in an individual-based market due to high deductibles. In fact, 90 percent of the individuals covered by the Affordable Care Act (ACA) marketplace pay higher deductible than the deductibles of the HDHP (Health Affairs, 2016). One of the reasons for this increase is the saving options that the HDHP offer to drive more consumers. The consumers will face high health care prices and this will make them think about whether deciding to look for care or not. As a result, this will reduce health care spending. A study showed that when individuals shifted from the low deductible health plan toward HDHP, their health spending dropped by 14% (RAND, 2011).

High-deductible health plans (HDHPs), just like the name suggests, involves greater upfront payment by the insured before the insurance takes over the remainder health cost. These plans are nothing new but have increased in popularity in recent years. Growing number of U.S. companies and employers are offering HDHPs. A 2013 data showed 20% of small companies and 40% of large companies offer HDHPs as among the choices for a health plan, where as 20% companies offer HDHPs as the only choice of health coverage (Shenkin et al., 2014). The data also shows an increase of 4% from 2006 to 20% in 2013 of employees under the HDHP. The high health care cost puts an enormous amount of pressure on employers, as they're the majority

Having health insurance, without corresponding access to health care services is worthless. There are not enough facilities to meet the needs of the currently insured. Socializing insurance does not guarantee service for all. Many people believe insurance is a constitutional right for all Americans; however, they have no concept the logistics of proving adequate care to all eligible benefits cared holders. Although health insurance is available in the US, it is not practical to offer health insurance to everyone, without building new facilities, and incentivizing medical education, to accommodate 316.13 million Americans.