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Essay about Obama Care: Affordable Care Act

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AFFORDABLE CARE ACT (ObamaCare)

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 …show more content…

However, when Private insurance companies soon joined the fray thereby creating stiff competition, costs were determined by a number of factors among them was the exclusion of the sick and the selective process of insuring only the healthy which meant more profit for the company because Blue Cross only provided coverage for hospital services. The Blue Shield plans were created in 1939 by employers in lumber and mining. This was done to ease the healthcare burden and bring satisfaction to both the physician and the patient. In 1982, The Blue Shield plan merged with The Blue Cross to form The Blue Cross and Blue Shield Association(4).

In 1943, Senator Murray, Edward Wagner and Congress man Dingell introduced the United States National Health Insurance bill, the acting president at the time, Roosevelt, did not endorse the bill but was supportive(5). The National Health Insurance wasn’t a new concept. In 1883, Otto von Bismark introduced an obligatory health insurance program(6). Its’ success expanded the concept of social insurance in Europe and America. Without official endorsement by the president and with the war still going on, the Wagner-Murray-Dingell bill died in committee. On Nov 19TH 1945 after the Japanese surrender, President Harry Truman sent a revised health care message to the United State Congress proposing a new national healthcare program to be run by the federal government(4). His plan was to improve the

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