Health Issues Of The Affordable Care Act

The US has recently adopted a healthcare policy aimed to get more Americans insured. This policy is named the Affordable Care Act in 2010. “In 2013 there were 42 million uninsured individuals in the United States. “(The Common, pg. 153) There has since been increase in individuals who are covered either by private insurance or by Medicaid/Medicare which had a coverage increase with the new policy. It is believed that millions of people will now have health insurance compared to previous years.

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

One major change that came with the passing of the affordable care act was the issue of pre- existing conditions. Before the affordable care act, people with pre existing conditions, that tried to buy insurance would either be denied or would be given extremely high premiums. With the passing of the affordable care act now insurance companies that take part in the program are not allowed to deny these people coverage. Many citizens with pre-existing conditions were having trouble obtaining or keeping their health insurance before this

Texas’s decision the not expand Medicaid under the Affordable Care Act has took a toll on many Texans. Texas is one of many states yet to expand the Medicaid program. With the decision not to expand Medicaid, it have left many low-income families uninsured and without an option for affordable healthcare. Texas has the highest number of people uninsured in the Unites States of America. The change has now entered the third year and only 30 states have expanded the program. There is an ongoing outreach to get Texas state leaders to expand the coverage.

The Affordable Care Act was into law March 2010. The law has planned to make wide-range of changes to healthcare in the United States. The Affordable Care Act efforts to offer universal right to use to healthcare for Americans, control the rising costs of healthcare, adjust the private insurance industry complete things like state-based private exchanges and online marketplace that brings together state-approved insurance plans from multiple companies so consumers can shop for individual insurance plans, improve the quality of healthcare and make healthcare choices more consumer friendly and easier to understand (Medical Mutual,2017). Healthcare reform involves nearly all Americans from old or young,

This new healthcare reform law aims to increase the number of Americans that are covered by health insurance and also to decrease the cost of health care. Under this new law everyone in America will have to get health insurance of some form.

The Affordable Care Act, often referred to as the ObamaCare was signed into law on March 23, 2010. It has created a lot of controversy since its debut. The Healthcare reform will affect all Americans. The issue has many Americans believing it is a great thing for our country while others believe it is a terrible idea and then of course there are those who don’t know what to think. By Jan 1, 2014 Americans will be required to purchase a health care policy or will have to pay a penalty. Ready or not it’s happening. First you would have to understand the background information of the program. As with all things there are pros and cons to the Affordable Care Act. Because it is a new law it is not flawless there is room for changes and recommendations.

President Obama created The Affordable Care Act to reform the Healthcare system (Ross). The Senate informed the citizens of the United States that the Act passed on December 24, 2009, then passed in the House of Representatives on March 21, 2010. It was signed into law by President Obama on March 23, 2010 and upheld by the Supreme Court on June 28, 2012. Before the Affordable Care Act, millions of Americans could not afford to have health insurance, or the coverage was not available due to pre-existing conditions (Action). With the Affordable Care Act, everyone has health insurance and is covered. . The law eliminates pre-existing conditions, stops insurance companies from dropping you and protects from discrimination. It also makes large companies with 50+ employees provide health insurance. There is an abundance of new services that Obamacare will provide for people. They will include but not limited to outpatient services, emergency visits, hospital stays, pregnancy, mental health and substance abuse services, prescription drugs, children dental and vision services. The law is designed to help those who cannot afford insurance, or those whose company charges too much to have health insurance. The Obama Care Act addresses four groups of people, the elderly on Medicare; the poor on Medicaid; the ones who pay for it on their own; and the ones who are completely uninsured. For each group, the Obama Care Act addresses their needs separately.

Their several changes that are being made to the Obamacare. This is a very big topic within the United States. One of the things that are set in place is for the price to increase for Obamacare. This is because of a lot of low income-families unexpectedly enrolled in public health care coverage rather than private insurance according to new government reports show. According to recent reports that have been done it shows that the number of low and middle-income people has dropped that is covered with

Many of the people did not get insured and eventually die because of their health condition. Now that everyone has to have health insurance because of the affordable care act been pass insurance are mandated to cover a person with sever chronic disease or any health issue and not limit the spending on the treatment that will be done to them. Now that the affordable care act was passed more than 16 million Americans have health insurance and for the most population young adults make up the amount of insured. Before the affordable care act was passed the majority of uninsured person was under the age of 40. Also with the act been passed parents are able to add their children up to 26 years on their health insurance that was also convenient for insurances because they will be added to a premium insurance but they knew that they wouldn’t be spending much because younger people are more healthier. To some health businesses with less than 50 employees they are not required to provide health insurance to their employees but with the other health businesses that require more than 50 employees the employer was require to provide insurance to their employees. The health businesses where affected because they had to start cutting hours and also had to layed off some of them. Many jobs were lost because of the act been passed.

The affordable care act was passed into law by congress and the president in 2010. This plan was established to help all individuals obtain health insurance, regardless of having a pre-existing condition through the government marketplace as an affordable amount, or if you did not meet the set standards, was offered a state based health care coverage (HHS, 2015). Those individuals who did not have qualified medical coverage for the majority of the tax year, they would be penalized and have to pay a certain amount or a percentage based off of their income. Also under the ACA employers are now responsible, depending on how many employees are employed with their company, to offer their full time employees health care coverage, or also face a

The changes taking effect on the health care system can be greatly utilized by Americans, whether it is in a good or bad way. Today, most Americans do not have health insurance because they cannot afford it. With the Affordable Care Act, these Americans will be able to receive health care benefits. President Obama signed into law the Patient Protection and Affordable Care Act in March 2010. It was created to increase access to insurance coverage, whether through a private

The first main issue that people are concerned with, and that causes confusion, is what will happen to people if they do not get their own health insurance by the time the Act takes effect. In short, they will be fined or penalized (McDonough, 2011). This penalty is seen as

This new healthcare reform law aims to increase the number of Americans that are covered by health insurance and also to decrease the cost of health care. Under this new law everyone in America will have to get health insurance of some form. Insurance companies can no longer deny people coverage because of a preexisting condition nor

Some of the substantial changes to our health care system made by the law include requiring most individuals to carry health insurance, keeping insurers from denying a person their benefits based on a pre-existing condition, creating health insurance exchanges through which individuals and families not eligible for employer- or government-sponsored health insurance can purchase cover- age and expanding eligibility for the Medicaid program. The ACA will change the focus of our nation's health care system from treating sick people to prevention, increasing access to care and ensuring quality health care for