Obama Care Effects

The Patient Protection and Affordable Care Act (a.k.a. Obamacare) was signed into law by President Barack Obama on March 23, 2010. While the act is directed at addressing one of the country's most pressing problems, it generated much controversy as a consequence of the ethical dilemmas that it brings on. The act provides individuals with a wider range of choices and control over their health coverage. It provides a series of benefits such as people getting lower costs on coverage, several important health benefits being covered in the Marketplace, more help in local areas, and pre-existing conditions being covered. However, it also involves a legislation claiming that most people have to have health coverage by 2014, with those who do not have it having to pay a fee.

The Affordable Care Act, also known as Obamacare, is an act passed by president Barack Obama on March 23, 2010. This act, which provides affordable health insurance to Americans, was passed for three primary reasons. These reasons are to reduce the number of individuals in the United States who currently are not covered by some form of health insurance, to improve the availability and quality of existing health care programs, and to reduce the cost of health care to individuals and the government (“Patient Protection”, 2014). The Affordable Care Act has been successful in some ways, but ineffective in other ways since it was passed in March of 2010. For example, Obamacare has helped expand Medicaid and has helped those who have Medicare. However, this act has had a negative impact on the uninsured and on insurance premiums. In addition, some small businesses have benefited from this act, while others have had a negative effect. The Affordable Care Act has many pros, but it also has some cons, which is why there are still some changes and ideas that I would like to see implemented in our healthcare system.

Since the law was signed in 2010, the Affordable Care Act is a working progress, it continues to changes to help improve individual’s needs. When the Marketplace, first launch there were some technical difficulties. The marketplace website was created so consumers can shop for affordable insurances that meets their needs. Now, despite some of the difficulties and the negativity from the media, the Affordable Care Act has many constructive effects. Obama care created the patient’s bill of rights. What many Americans fail to realize is, why many individuals were without health insurance. Before the law was created, insurances were more like a business. They would drop people without notice, raise premiums rates, or simply deny

The Affordable Care Act has given aid to many people in several communities and the impact has changed lives tremendously. The ACA has improved their provisions in a way that has focused on improving the quality of the health care system and efficiency of the ways testing is done within and pay for within those

In conclusion, the Affordable Care Act had a positive impact on the American people and health care. It reduced the cost of health care, allowing for more people to be able to afford insurance. The ACA also created more equality in the health insurance system. It required that no one be denied or charged more due to any condition or gender. It also required that screenings and some tests be covered by the insurance. President Barack Obama said in a speech, “Because of the Affordable Care Act, more than 100 million Americans have gotten free preventive care like mammograms and contraceptive care with no copays.” The ACA also allowed for many areas of the healthcare industry to prosper. It created customers for the insurers and it reduced the

“But insurers in many counties are offering such a dizzying array of health insurance plans with so many subtle differences that consumers have struggled to determine which plan is best for them” (Pear, 2015). One of the attractive features of affordable coverage is the low monthly premium. With these attractive numbers, some people might even choose to give up their employer coverage to save the extra money. Naturally, consumers would most likely be fond with the low premiums rather than the quality of the plan. However, low premium is only worth the price that is paid for. The high deductibles lie within these low cost plans could cost the patients a fortune when they receiving the care. As this happen, the Affordable Care Act is no longer serve its purpose in helping to increase the quality and affordability of health insurance as well as reducing the cost of healthcare. Instead, the Obama Care only succeeds in reducing uninsured rate of the population. The lack of understanding about the healthcare coverage could become financially burden to the consumers’ family if they choose to use the plan.

Obama care or better known as the “The Affordable Health Care Act” (Heritage Foundation, 1) is a federal law for Health Insurance by our 44th President Barack Obama. For decades, politicians have been considering the topic of healthcare, which is one major reason Obama was so adamant about Obamacare. “[Obamacare] requires all insurance plans to cover essential health benefits including treatment for mental health, addiction and chronic disease.” An Insurance policy cannot deny coverage for “pre-existing conditions…drop them…or raise premium” (The Balance, 2).

When the Affordable Healthcare Act passed in 2010, I like many others thought it was a good idea and would make health insurance attainable for the millions of Americans who were not insured. The Affordable Healthcare Act was supposed to lower premiums for households between 100% and 400% above the poverty line through tax credits, and support innovative methods designed to lower healthcare costs. Unfortunately, this is not the case 7 years into the ACA, and millions of Americans can no longer afford the insurance offered to them through the healthcare exchange and must make sacrifices to avoid the penalty. This rise in cost has not only impacted the consumers of the exchange, but has also impacted the majority of Americans who purchase

In 2010, President Obama passed the Affordable Healthcare Act, also known as Obama-care. Obama care it self is over twenty thousand pages long, and it may add six point two trillion dollars to the nation’s deficits. This act was made to allow everyone the opportunity to have health insurance, specially people who can not afford insurance on their own. However, instead of helping people afford health insurance, it forces people to buy insurance that might not be affordable for them based on their income. It also makes employers pay for their employee’s health care. That expense is covered by raising the prices of goods and services.

ObamaCare has an ongoing list of changes that many Americans can benefit from in the future. It can help out so many people who have low-paying jobs and can’t afford to get good health care. Within 2013 alone,

“The Patient Protection and Affordable Care Act was signed into law March 23rd, 2010 and upheld by a Supreme Court ruling on June 28, 2012” (Obama Health Care Summary n.d., para. 2). Before the law, insurance companies were able to pick and choose whom they gave coverage to and premiums would hit the rooftop for the policyholders. This worked in favor of the big insurance companies, but not for the American families. The law makes insurance affordable to all. As described in the Obama health care summary, under the law health insurance companies can no longer put a lifetime cap on essential health benefits. The law also provides a wide range preventive care services to customers for free. According to Obama health care summary, 54 million Americans got at least one free preventive care service, which is huge increase in number and ensures Americans that the law in fact provides what is promises in terms of preventive services. Before the law, big insurance companies used premiums for company overhead CEO salaries, but the law requires the customers get more value for their premium. As

Obama Care officially named the Patient Protection and Affordable Care Act, is a national health care plan aimed at reforming the American health care system. It contains reforms in order to cut health care cost; it makes coverage improvements (for pre-existing conditions, for women, and more. It helps individual get insurance through expanding Medicaid and Medicare and offering cost assistance to Americans who cannot currently afford health care (DeMichele, Bastian, & Mullen, 2015). Obama care is the largest overhaul of the US healthcare system since 1960. The main purpose of Obama care was to extend healthcare insurance coverage to the US population. The law requires that all Americans to have some form of insurance, that is affordable. The law bans insurance companies from denying health coverage to people who is already ill from a pre-existing condition, it allows parents to continue coverage on their adult children until the age of 26, and in some cases it provides extended coverage to the government ran Medicaid program for the

HealthCare has always been a major issue not only in the United States of America but in the State of Texas. Many politicians argue over what is known today as Obama Care. This essentially is known as the Affordable Care Act. This act requires most Americans to have some type of health insurance in turn raising others health insurance to pay for those who can’t. Politicians can go back and forth on this issue but I believe that there are many pros but also many cons to Obama Care. Is this what is best for the country?

The Affordable Care Act now makes it possible for patients to purchase coverage plans where otherwise they would have been refuted. Once intimidating and incapable of compromising their strict policies to suit each individual, the reform now holds them accountable for providing insurance to those who previously would have been deemed ineligible. Along with these early changes, young adults under the age of 26 can now partake in their parent’s insurance policies if their current employment neglects to offer them worker’s health coverage. By 2014, despite the seemingly flawless benefits, all citizens of the country are mandated to acquire health insurance or suffer the consequence of paying an annual fine, a fearful situation for low income families. Some additional restrictions placed on insurance agencies such as Medicaid are that they can no longer rescind a present client’s contract if they are diagnosed with a serious illness and now anyone can appeal a claim denial when formerly only this right was limited to only some policy holders. Though it specifically targets the connection between insurers and patients, many facets of society such as employer-employee protocols, important tax regulations, and even the country’s governmental budget are affected by supposed outcomes of the reform. Like any bill newly passed into law, there are

Obamacare is known to be the most zealous project that we Americans have been aspiring for since the nineteen sixties. The greatest achievement of current President Barack Obama’s presidency. Signed into law in 2010 the supposed Patient Protection and Affordable Care Act’s and President Obama’s ambition is to give us more affordable and quality health care. Along with the hopes of reducing the spending for U.S. when it comes to health care.