Health Insurance Companies Are Protected From Exclusion Under Preexisting Conditions

rehend the PPACA, one must understand the history of the United States’ health care system. The most successful and known reform would be the passage of Medicare and Medicaid. President Johnson’s main objective with his program was to provide health insurance to those over 65 years old, who otherwise wouldn’t be able to receive coverage due to retirement or being financially unfit to purchase health insurance. It has since been expanded to cover those with disabilities, and lower income families (“Overview,” 2015). Brady (2015) examines President Clinton’s attempt to massively overhaul health care in the United States. His plan, the Health Security Act (HSA), required employers to offer health insurance to their employees, and mandated that every US citizen purchase health insurance. This plan would have most likely expand health insurance to many more Americans; however, many feared the large tax increases, restricted options for patients, and with the lack of general support for the bill, it failed in Congress and was never implemented (p. 628). President Clinton’s failed attempt at health care reform opened up the door to future reforms, and it even shared multiple similarities to the PPACA. Smith (2015) updates the history of the health care system in America stating that “In the mid-2000s, America’s uninsured population swelled to nearly 47 million, representing about 16 percent of the population” and how “16 million Americans […] were underinsured” (p. 2). People

The rapidly rising cost of health care in the United States has made access to medical care difficult for many citizens. Additionally, the number of uninsured is increasing because of job loss and reduction of employee benefits. This trend is projected to continue. The negative effect of reduced access to health care may have alarming effects on the economic well-being of the nation. The passage of the Patient Protection and Affordable Care Act (PPACA) marks the beginning of significant transformation in the United States’ health care systems. After multiple attempts to reform health care over the years, the nation’s leaders have succeeded in pushing through this landmark legislation that will ensure most Americans will have access to

In the view of Lischko & Waldman (2013), on the way to understand the states battle to the Patient Protection and Affordable Care Act, on March twenty third twenty ten, USA president Obama ratified the Public Law 111-148 also acknowledged as the Patient Protection and Affordable Care Act (“PPACA”). This law was good news to Americans who were served with lengthy debates about balance of federal with states government in the making of policies to be used domestically. The consequent enactment

The act has an advantage or disadvantage. The PPACA promises to reshape the U.S. healthcare system by improving quality, lowering costs and increasing access to affordable healthcare. One way the PPACA seeks to increase access to care is by offering federal matching funds to states allowing them to cover more low-income patients on Medicaid. Individuals with pre-existing conditions who had previously been denied coverage will now have access to new coverage options. Beginning January, 2014, insurance companies will be prohibited from denying coverage to those with pre-existing conditions. The law also makes it illegal for insurance companies to rescind coverage after a patient becomes sick and it eliminates the lifetime limits on insurance

The Patient Protection and Affordable Care Act (PPACA) signed into law by president Obama on March 23, 2010 is arguably the most extensive reform of health care law ever to be enacted in the U.S. It will impact the way professionals practice health care, the way insurance companies handle health care as a product, and the way consumers purchase and use health care as a service. The Affordable Health Care Act is primarily aimed at reducing the number of uninsured Americans and reducing the overall costs of health care from an administrative and consumer standpoint. The PPACA requires insurance companies to cover all applicants and offer the same rates to all applicants of the same age

The basic standards that was signed in law by President Obama that The Patient Protection and Affordable Care Act (PPACA) will cover all Americans to quality and affordable access care and necessary transformation within the health care system to cover costs. The Congressional Budget Office (CBO) has established that the Patient Protection and Affordable Care Act is completely paid for and provides coverage for the American population. The primary transformation required by health insurances are shared responsibilities that the universal insurance market uses to eliminate discrimination practices in pre-existing condition, and having all Americans gaining coverage and affordable health care. Additionally, PPACA established health outcome improvement

The Patient Protection Affordable Care Act (PPACA) is a federal statute that was signed into law on March 23, 2010 by the Obama Administration. PPACA is more commonly referred to as the “ACA” or “Obamacare”. “A primary goal of the ACA was to increase access to health care services, largely through major expansions of state Medicaid programs in 2014 and beyond” (Wilk, 2014). The quest for health care reform began in the early 1900s and has become increasingly more debated throughout the century. The American Medical Association (AMA) began the journey and has been joined throughout the many decades by the American Association for Labor Legislation (AALL), President Roosevelt, President Truman, President Johnson, President Nixon, President Clinton, and President Obama, to name a few. The ACA demonstrates the need for the balance of power between state and federal government, as well as, how America has been handling the balance of power. This law has been in the making since 1989, conceptually beginning as the Individual Health Insurance Mandate through the Heritage Foundation. The individual health insurance mandate had been introduced by Republicans twice in 1993, in hopes of providing “a bill to provide comprehensive reform of the health care system of the United States” (Sen Chafee, 1993). The bill has been revised multiple times since 1993, budding into what is commonly called Obamacare.

My understanding of the Patient Protection and Affordable Care Act of 2010 (PPACA) is average to above average and specifically how it affects me and other individuals. According to Kaiser (2013) the main component of PPACA is most individuals and legal residents are required to have health insurance. To accomplish the goal of reducing the 40 million uninsured is for Medicaid expands to 133% of the federal poverty level (Lammers, n.d.). Next, adult individuals whom are 26 years of age or younger can be covered under their parents’ insurance plan and children and adults can’t be denied coverage due to pre-existing conditions.

The PPACA benefits a broad array of Americans. As far as sheer numbers are concerned the act benefits the uninsured the most. A 2011 Gallup Poll, “In U.S., 16.4% of Adults Uninsured in 2010”, concluded that “Hispanic, low-income, and young adult Americans remain most uninsured” (Mendes, 2011).

The Patient Protection and Affordable Care Act (PPACA) was signed into law by President Barack Obama, on March 23rd, 2010 (Buppert, 2015). This historic piece of health care reform legislation is scheduled for implementation over a four-year period. The legislation was created to make sure that all American residents have access to quality, affordable health care and will create the transformation within the health care system necessary to contain costs (The Patient Protection and Affordable Care Act, n.d.). There are nine primary components for this reform. These include: affordable health

The Patient Protection and Affordable Care Act(PPACA) will influence the public health care system by breaking down barriers and expanding health care coverage to everyone in need in order to receive the best quality of care. The Patient Protection and Affordable Act was signed into law March 23, 2010, the law required that all Americans have health insurance by 2014 or pay a tax penalty on their federal income taxes. The Patient Protection and Affordable Care Act aims to greatly increase the amount of Americans who are uninsured and give them the ability to receive affordable health insurance. According to Martin, (2014) “as of January 1, 2014 all children, parents and childless adults who are not entitled to Medicare and who have family

The Patient Protection and Affordable Care Act (PPACA) commonly called the Affordable Care Act (ACA) or "ObamaCare" is a federal statute of the United States signed by President Barack Obama on March 23rd, 2010. As the name suggests, the new health care law is made up of the Affordable Health care for America Act and the Patient Protection Act. It also includes amendment to other laws like Food, Drug and Cosmetic Act. The main purpose of this complex legislation is to provide Americans with affordable health insurance and quality care. “The Congressional Budget Office (CBO) has determined that the Patient Protection and Affordable Care Act is fully paid for. It will provide coverage to more than 94% of Americans while staying under the $900 billion limit that President Obama established.”("The Patient Protection and Affordable Care Act", n.d., p.1)

To begin PPACA was signed into law by President Barack Obama on March 20, 2010 (Rosenbaum, 2014). This healthcare legislation was designed to achieve that every American has universal insurance coverage and to improve fair, and affordable Healthcare insurance coverage (Rosenbaum, 2014). Moreover, PPACA goals were also to reduce wasteful spending and bring diversity into the American health system, along with to making long term induction to preventive care and community investments (Rosenbaum, 2017).

In the first assignment, the paper discussed a major topic in Health Care Reform. Patient Protection and Affordable Care Act (PPACA) of 2010, that was signed into the legislature by President Barack Obama, a Democratic representative. The article expounded on the challenges with implementing the PPACA, the policy modification that had positive and negative impacts on the use of the Affordable Care Act (ACA), and finally the use of the constitution to achieve the goals necessary to please Congress.

The PPACA imposes an individual mandate requiring most U.S. citizens and legal residents to have health insurance coverage or pay a penalty. There are exceptions to this requirement for financial hardship, religious objections, American Indians, those without coverage for less than three months, incarcerated individuals, and certain low–income