Health Reform Benefits

Moreover, the benefits of expanding coverage outweigh the costs for added services. [4] Safety-net care from hospitals and clinics improves access to care but does not fully substitute for health insurance. These findings are supported by much research, although some cautions are appropriate in using these results. People with health insurance are protected against uncertain and high medical expenses and are more likely to receive needed and appropriate health care. In addition, having health insurance is associated with improved health outcomes and lower mortality, so employees with health insurance are more likely to be productive workers. You do not pay income tax on health insurance benefits so it is more valuable per dollar than the same amount in taxable pay. [5]

Since October 1, 2013, the day the first annual open enrollment began, millions of Americans have taken advantage of the Affordable Care Act. A new bill created to give many Americans a chance to take care of their health without fear of debt. Not only is the Affordable Care Act affordable, but also it doesn’t discriminate against race, gender or those with pre-existing medical issues (“About the Law”).

Under the new health care reform law over 47 million women will have access to women’s services with no out of pocket costs for preventative and wellness services (Obamacare, 2013). The low-income individuals will have the opportunity of getting health insurance coverage through the state exchange, Medicare, or Medicaid; however some states have opted out of the Medicaid expansion in which some low-income individuals will not be eligible. Seniors and other individuals eligible for Medicare will see expanding benefits and coverage options; however there will be decreases in home health payments and hospital coverage as well. Obamacare will require businesses with over 50 full-time employees to provide affordable health insurance coverage to its employees however small businesses with 25 employees or less will receive federal tax credits to help offset the costs that a small business will face to encourage these businesses to provide health coverage to

This health reform will offer tax credits to about four million small business men and women to help cover the cost The Small Business Health

The implementation of the healthcare reform to the people throughout the United States provides healthcare coverage to all Americans increasing the accessibility to quality healthcare coverage making it more affordable for families. Throughout this paper I will discuss how effective the healthcare reform has been for the state of Pennsylvania, describing what the positive and negative outcomes are, and how the it has impacted the community health within my state. I will further discuss what effects the health care reform has had on economics in health care within my state.

For most, health expense is the driving force behind public health care reform. The uninsured will have the ability to use medical facilities and services otherwise outside their affordable range. Make no mistake, this is not a free service provided by the government. The cost to see a doctor will not magically disappear, pharmaceutical companies will not offer free medication. A public heath system redistributes the cost, it does not eliminate expense. The unintended expenses include medical taxation and prescription medication abuse.

The majority of Americans receive health care through private insurers which is mostly provided through their employers. For the most part, employees are required to contribute part of insurance cost through payroll deductions. There is no government health insurance company that covers all citizens. The government does offer few programs such as Medicare and Medicaid but the eligibility is restricted and limited. President Obama wants to reform the health care system so that every American in United States has health insurance coverage. The plan proposes to offer affordable, comprehensive and portable coverage. It pledges to control the rising health care cost and improving the quality of care. The key goals of the reform plan are:

The mounting cost of healthcare makes it one of the foremost social and economic issues facing Americans today. Working families are confronting double digit increases in the costs of health care insurance. Higher premiums, deductibles, co-payments and high unemployment are taking their toll on U.S. workers. Consequently, 47 million Americans are currently un-insured- 8.7 million of whom are children. The high cost of doctor’s visits and prescription are forcing many to delay needed medical care, as health care cost balloons five times the rate of inflation. Will health care reform solve the

The Obamacare has a lot of benefits that most people don't know about. That's because Americans has been hit with fifteen times more negative than positive, most people think it only affects insurance companies, but also already changed the way health care is being delivered, The Obama care is the popular and frequently misunderstood name patient protection and affordable care Act in 2010. The federal government spends $933.7 billion on healthcare alone, that's even more than any budget items according to the FY 2015 .

The purpose of health care reform is to attempt to expand coverage to 30 million of the nation approximately 50 million uninsured (Clemmitt, 798). It will do this by allowing young adults to stay on their parents plan until they are 26 years old. Also it will stop insurance companies from dropping a person when they are sick or have a pre- existing condition. Other ways it will expand coverage it will prevent gender discrimination, stop insurance companies from making unjustified rate hikes, and among other things. The Health Care Reform does not replace private insurance, Medicare or Medicaid. The Health Care Reform regulates health insurance and some of worst practices of the for-profit health industry.

For many Americans that could not afford health insurance before due to having to pay high rates out of the pocket for doctor visits or any kind of medical treatment, Obamacare has certainly brought many benefits including the help from government programs such as Medicaid to provide insurance to those that are still unable to pay for the costs and need assistance by increasing the eligibility for government programs as the statement “In addition, the law increases Medicaid eligibility to non- Medicare eligible individuals with incomes up to 133% of the federal poverty line.”, by authors Filson, C. P., Hollingsworth, J. M., Skolarus, T. A., Quentin Clemens, J., and Hollenbeck, B. K. on the article at the World Journal of Urology on February

Firms produce and sell goods and services. In this case, uninsured patients benefit because if they show a pre-existing condition, they can not be denied health care. Insurance companies will benefit because it is required to get health insurance, thus all the people who do not have it will either have to get health insurance or pay a tax. It affects small businesses because they are cutting down on employing since they do not want to spend money on healthcare, which also affects the unemployed. The government kept investing money into health care because it was not being successful, but taxpayers had to pay for this which affected the cash flow negatively because households were least likely to buy from firms. At times, cheap healthcare plans can limit where people can get medical help. Amanda Cox said, “Many of the cheapest marketplace plans provide access to a limited groups of doctors and hospitals.” This is a reason why people would rather stick with their current health care plans because it could be close by your home, which is convenient and saves travel

Of course, it was challengers of the bill that organized against it prior to its presentation to the Congress on November 20, 1993. The mere fact that it was a more than 1,000 page proposal enforcing a mandate for employers to provide health insurance to their employees was a central issue. This opposition was initiated by a demander known as Project for the Republican Future and its leader, William Kristol (Skocpol, 1995). This group is extensively accredited with arranging the plan's eventual downfall that was completed through a sequence of well-known policy memorandums that were transmitted to Republican leaders.

Should healthcare be universal to all citizen of a nation? What is Universal health care? According to the World Health organization (WHO) Universal health coverage (UHC) means that all people and communities can, use the promotive, preventive, curative, rehabilitative and palliative health services they need, of sufficient quality to be effective, while also ensuring that the use of these services does not expose the user to financial hardship (Organization, 2013). Universal Health care should be provided to all citizens because of the mass benefit we can receive. Universal Health Care which is also known as universal care, universal coverage or universal health coverage is a term that is used to address a health care system which provides health care and financial protection to every citizen of a specific country (Formosa 2017)

Scientific evidence can be used in showing the positives of the Health Care Reform. If you lost your job next week your insurance would likely go with it.  Excluding temporary programs like COBRA, losing your job basically means losing your health insurance too.  Sure you can buy your own, but that can get expensive and there are often holes in the policy than with employer provided health insurance.  Under a universal system, you don’t have to worry.  Imagine you had to pay each month for access to use the police.  If you lost your job and couldn’t afford the police bill and