Healthcare Reform Implementation. A Single Mother Of A

Money plays a huge role in access, therefore it is a vital issue to discuss. Within the current system, lack of money results in lack of health care, which leaves thousands of people without any health care coverage. Between 2001 and 2005, the number of people paying for health insurance increased 30%, however income only raised 3% (Health Care Problems). Adequate income is a necessity and unfortunately that is not present. According to the National Conference of State Legislatures, the average annual premium across the country is $16,000. Currently, the average annual income in the United States is $51,107. Mint Money Management suggests that about 4-6% of one’s total income should be spent on insurance, including life, disability, and health insurance. However, the averages in the United States show that the average person spends about 31% of their income on health insurance, which is not financially beneficial. When this rise in health insurance is not parallel to the inflation of income, innocent people are left without a method to achieve health care. There is a program for those who can’t afford health insurance out of pocket nor have access to it, and that is called Medicaid. Issues still exist with the program. There is only so much funding, which leaves many still uninsured. Additionally, people with Medicaid have difficulty

The health nurse can be a great advocate in identifying both the current and future needs of the parent and baby. Many community services are available to assist with nutritional needs, prenatal care services, and future childcare needs (Kaakinen, Coehlo, Steele, Tabacco, & Hanson, 2014). I myself was once a young pregnant mother who required assistance. Working a part-time minimum wage job while pregnant with my first child and attending nursing school full-time, I struggled financially. Before the time of healthcare reform, first-time pregnant mothers did not receive governmental assistance for health insurance or prenatal care. The community service that aided me during that time was the Women, Infant, and Children (WIC) program. Without the assistance of those wonderful nurses and program, I would have suffered from times of inability to buy food for myself while pregnant and would have also struggled to buy formula for my newborn. Not only was the food assistance godsend, the practical and applicable knowledge I gained from the nurse educators was

The Affordable Care Act (Obamacare) is a healthcare program created by president Obama’s administration. The goal of the Affordable Care Act is to make sure every United States citizen has health insurance. The Affordable Care Act provides “affordable” health insurance plans to citizens that do not have any and make about $15,000 a year. While the idea of providing health insurance to the millions of American’s that cannot afford it is great, everything comes at a cost. According to Emily Miller, Obamacare is causing people’s health insurance premiums to rise by around 1 to 9 percent (Miller 15-15). Not only are insurance premiums rising, but ever since the Supreme Court declared the Affordable Care Act constitutional approximately 20 tax hikes have been approved (Battersby). All the aforementioned reasons are helping pay for Obamacare. Although providing health insurance for people that cannot afford it is important, the Affordable Care Act should be revoked because it will hurt the economy.

Large populations of Americans are uninsured mainly because of the high cost of insurance. Majority of the uninsured are the low-income working families’. The adults represent a higher percentage of the uninsured than children. Before the law, you could be denied coverage or treatment because you had been sick in the past, be dropped mid-treatment for making a simple mistake on your application, hence, the Affordable Care Act was implemented into law on March 23, 2010 by President Barrack Obama to make sure that every American irrespective of their status will be insured and have full access to proper health care benefits, rights and protection(1). To understand the

The federal Affordable Care Act (ACA) together with Illinois Public Act 98-104 will increase access to health coverage as a critical step toward improving the health of the people of Illinois (HFS, 2014). Illinois residents can use the health insurance marketplace, but easily compare health plans and see what costs are better for them before buying a plan. Every plan is covered essential benefits such as preventive care, doctor visit prescription drugs, maternity care, emergency services, hospital stays and more. Residents can succeed for financial help through the Marketplace to lower monthly premiums and out-of-pocket costs. Insurances companies’ cannot reject residents that apply for coverage for they are sick or have a preexisting health condition. People can receive Medicaid for the first time low-income adults who are legal residents, regardless of parental or health status may be eligible for health coverage through Medicaid. Adults that have incomes at or below 138% of the federal poverty level on the family may be eligible. Application for benefits Eligibility is an easier to apply for Medicaid, SNAP, and the Medicare Savings. Indiana purpose of healthcare reform for residents is enrolling adults in its new Healthy Indiana Plan. The plan was offered in the state of Indiana. With the plan,

There were a lot of complaints from people when they found out that there was a penalty for not signing up for health insurance. This is very understandable why people would be upset because that isn’t fair, however it is fair if everyone else has to have insurance and pay for it and other’s do not. What a lot of people had to realize was that people with pre-existing conditions and people with out would not have to worry about huge medical bills due to the fact of Obama care making sure they are taking care of

The Affordable Care Act otherwise known as Obamacare or the Patient Protection and Affordable Care Act (PPACA) was signed into law in March 2010 and it has not been without its share of problems, debates and controversies. One of the main points of the debates and controversies with the PPACA has been the legality of the individual mandate. The individual mandate “requires that most Americans obtain and maintain health insurance, or an exemption, each month or pay a tax penalty” . The whole purpose of creating PPACA was to “achieve near-universal coverage and to do so through shared responsibility among government, individuals, and employers” and to be able to “improve the fairness, quality, and affordability of health insurance coverage” also to be able to “improve health-care value, quality, and efficiency while reducing wasteful spending and making the health-care system more accountable to a diverse patient population” .Those were the top three goals that were the foundation when drawing up the policies for The Affordable Care Act to develop what was hoped to be universal healthcare system for the citizens of the United States. While The Affordable Care Act does have its benefits, such as it would cover pre-existing conditions where most private insurances do not do, more people have the ability to get what they call affordable medical insurance, costs of prescriptions are lower and it even offers tax credits for those that purchase the insurance but it also

The Affordable Care Act of 2010 expanded access to health insurance in the United States to millions of uninsured individuals. Early findings indicate that there have been significant reductions in the rate of uninsured among the poor and working age adults. Consequently, the number of adults who did not get needed health care because of cost declined as well as the number of adults who reported problems paying their medical bills. Hpwever, despite the many advances the Affordable Care Act provided towards health care reform, there are still flaws to the system.

Since insurance companies are required to provide care, it makes sense to buy insurance only when you need it. In other words, wait until you get sick to buy insurance, because they cannot turn you down. In order to combat this, the law includes an individual mandate, which requires anyone that can afford it to buy health insurance, or pay a penalty to the IRS. In essence, this is the part of the law that pays for it all. This is also the section many Republicans hate. In their philosophy, the government cannot force someone to buy something they may or may not need. They argued that this law was unconstitutional, and they sued in federal court to have the law nullified. There were three cases overall: one from the states (Florida v. U.S. Dept. of Health and Human Svcs.), one from the federal government (U.S. Dept. of Health and Human Svcs. v. Florida), and one from the National Federation of Independent Business (Nat'l Fed. of Independent Bus. v. Sebelius). Due to conflicting rulings from the lower courts in

The ACA also introduced certain incentives for applying for insurance such as subsidies as well as mandates that penalized those who refused health insurance with a tax. However, for those individuals who would see at least 8% of their income go towards insurance, are exempt from the penalty. The law requires insurance providers to accept any applicants and prohibits discrimination from preexisting conditions or sex. It also requires that insurers provide all patients with ten essential health benefits. Provisions also prevent insurers from subjecting preventive care and vaccinations and to co-payments. Annual and lifetime coverage caps on the aforementioned essential benefits were also banned by the ACA. The Centre for Disease Control reported a steep drop from 16% to 8.9% in individuals lacking health insurance from 2010 to 2016. States that chose to expand Medicaid had roughly a 7% uninsured rate compared to those that did not expand. Despite the positive effect of the ACA, it is not without its demerits, Conservatives in particular took offense at the increase in both taxes and insurance premiums needed to expand coverage to those with prior conditions as well as benefits. Several new taxes help provide funding for Obamacare such as those on pharmaceutical sales, as well as the higher income bracket. Thus there is opposition with the fact that the wealthy are in part subsidizing insurance for the poor.

The foremost concept of the Affordable Care Act was to allow for more poverty-stricken Americans to be able to gain access to health care. Yet, if you widen the amount of people can get free health care, who is meant to pay for them? In order for this new program to work, the US government needed enough young and healthy Americans to pay into the costs of having health care. However, problems began when Americans were finding that it was less expensive to just take the penalty for not having health care. Elementary office secretary, Catherine Moore explained in a personal interview, how a co-worker had also come across this same realization. “I worked with a lady that during the first year [of the Affordable Care Act] it was cheaper for her to take the penalty than to pay for insurance.” So now, not only is the government missing out on money that could have been used to support those who could not afford health care, but it is also encouraging healthy people who may not

The general family has children and those children are placed under their parents’ insurance. “Statistics show how the affordable act affects young adults between the ages of 19-26. By the year of 2012, Millions of uninsured young children were added” (Jonathan Oberlander, 2008). Some young adults seem as if they have less job stability compared to the older workers. These individuals were among the surplus of those who would not want to repeal the ACA (Obama Care). In the creation of the ACA is has increased the profit for insurance companies. Members could get more premiums from other health sources, such as department of health services, but some are not beneficial in the long run. Most will end up having to pay the debt off other tax payers which are making it affordable for others to have the current insurance that is available to them now, considering that this is indefinite reasoning. Having children under parents’ insurance could very well

A family of four, making nearly $24,000 a year, is situated just above the national poverty line. Even though the family doesn't have health insurance, they are maintaining their current lifestyle. Now, this struggling family will have to come up with an extra 7,000 dollars annually to cover the health insurance being forced upon them by the government. The Affordable Care Act is punishing American citizens and it will not fulfill its purpose to lower the cost of health care for our country. Its poorly constructed plan is only a band-aid that is patching up a problem that will lead to more problems in the future.

“ObamaCare contains many benefits, especially for low and middle income families and business” (“ObamaCare: Pros and Cons”). Many people have been having concerns on the cost of the insurance because it has raised in cost. There is a new law out there that President Barack Obama passed called ObamaCare. ObamaCare is also known to be The Affordable Care Act (ACA). The goal of this act was to make sure every American had health insurance by January 2014. ObamaCare went from being something good, to a controversial issue towards Americans. This topic is very debatable in positive and negative ways, it just all depends on how it effects someone. One of ObamaCare’s requirements were to have companies provide health insurance to people

The proposed health care reform bill attempts to change issues of public policy and health care management for the poor and uninsured. Many leaders from the Democratic Party are actively engaging in policy-making to fix what Rep. Henry Waxman (D-California) calls a “‘dysfunctional’ health care system” (2009). Currently, the U.S. health care system denies people with pre-existing conditions from receiving care. Another problem with the system is that the health insurance that some employers offer may be so expensive that their employees cannot afford it. Any cuts in Medicaid may mean that physicians have fewer incentives to provide adequate care for the poor. These are some of the many problems that the Affordable Health Choices Act attempts to address. Fiscally conservative political and business groups oppose this measure because they believe that any changes in public policy and health care management might affect them negatively.