Open Enrollment Advantages

This brought the total percent of uninsured adults in the US from 18% to 13.4%. This number includes all enrollments by the uninsured – not just Marketplace enrollments.” This was promoted as a success.

While the Affordable Care Act was implemented in 2010, the most significant changes in the healthcare system began in 2013 with the expansion of Medicaid. According to the ACA’s official website, the law’s main goals are to create cost efficient health insurance and medical services, as well as expand Medicaid so that the stated programs will be available to more Americans. (“Affordable Care Act (ACA)”). To do so, the ACA imposed many requirements on both sides of the health care system. The ACA has expanded federal regulations on private insurance providers by requiring that these companies cannot deny coverage based on the health of the beneficiary. The ACA has also established a marketplace for health insurance to be purchased by small businesses and individuals. Finally, the most noteworthy reform is the requirement for all Americans to purchase minimum coverage, or pay a penalty. However, those who cannot afford coverage and have “an income below 138% of the Federal Poverty Level eligible for Medicaid” will be paid for by the government (“The Affordable Care Act in the US”).

The Affordable Care Act (ACA), expands the access to health insurance coverage primarily for those who fall through the cracks of the private and public

The administration also said it does not make sense to spend hundreds of millions of dollars on advertising since most Americans already know about Obamacare and how and when they can enroll. 12.2 million Americans enrolled or re-enrolled in healthcare plans through the open marketplace in 2017. The administration claims that the number fell to 10.1 million due to some people failing to make their monthly insurance premium payments.

The Affordable Care Act is a law that was enacted on the 23rd of March 2010. Regardless of the fact that it was put into place in 2010, there are still numerous aspects of the law being debated today. The law has several provisions that are expected to take effect between the year of 2010 and 2020 (Reid, 2012). Among the significant reforms in the law includes a clause prohibiting insurers from refusing people coverage due to some preexisting conditions. In addition, these companies should offer the same price for all clients who are in the same geographical location and are the same age. Another reform was that families that are in the poverty line should receive federal subsidies if they decide to buy insurance through an exchange. The government also created minimum standards for insurance policies. The government also established health insurance exchanges as platforms for comparison of different policies. The Affordable Care Act also has an individual mandate

Under this new law, it is roughly estimated 18 million of the 34 million who would gain medical coverage over the next 10 years would be enrolled in Medicaid.

The effective date of enrollment is January 1 of the up-coming year with right to make changes from October 15 to December seven each year. From the time a person becomes eligible, a seven months period is given for enrollment, starting from three months prior to 65th birthday. A delay will cause delay in coverage and higher premium. For plan B, the person has another chance each year to sign up during general enrollment time from January one to march 31. Person leaving Plan C insurance has an extended time to join plan D coverage. The rules for people covered under an employer group health plan are different.

The Affordable Care Act (ACA) extended healthcare coverage to millions of formerly uninsured individuals by expanding eligibility of Medicaid and the formation of Health Insurance Marketplaces. The ACA also included reforms to assist individuals sustain coverage and have the availability of affordable and accessible private healthcare insurance. Analysis from 2014 and early 2015 and have shown significant increases in public and private healthcare insurance coverage and have attributed the remarkable decreases of the rates of uninsured individuals from marketplace.gov and health insurance exchanges from the first year the ACA had healthcare coverage available.

What is Affordable Care Act? It is a federal statue, which is a bill passed by Congress and signed into law by President Obama in 2010 (Fordney, 2017). Quality care, positive outcomes and access to affordable health care insurance has been an issue on the priority list of government officials. With this healthcare change the objective is to enhance access to care and expand insurance coverage for all Americans. The law incorporates expansions to be established, including the improvement of Medicaid eligibility. Also, the development of medical coverage exchanges, which will give buyers security and flexibility of healthcare coverage. To diminish cost to buyer’s new models for payments was established, thus improving the way care is

The Patient Protection and Affordable Care Act that is most commonly called Affordable Care Act is a federal statute of United States that was signed to become a law on March 23, 2010 by President Barack Obama. On June 28, 2012 the Supreme Court gave the decision to confirmed Affordable Care Act (HHS, 2014). Again in June 2015 the Supreme Court ruled in favor of Affordable Care Act in a 6-3 decision (CNN, 2015). Some of the important features of Affordable Care Act include that no one can be denied health insurance based on pre-existing conditions such as health problems, pregnancy, etc also men and women would be charged the same amount for their health insurance (HHS, 2014). Other features include that if the health insurance plans covers children then people can add or keep their children on their insurance plan till the age of 26; these children can be included irrespective of them being married, living or not living with their parents, attending school, not financially dependent on their parents, and if they are eligible to enroll in their employer’s plan. After these children turn 26 they are eligible to enroll in a special enrollment period, which allows them to enroll for health insurance outside of the open enrollment period (HHS, 2014).

Patient protection and affordable care act was enacted in 2010 with the main purpose of minimizing the cost, improving the obtainability and affordability of health insurance. Uninsured rate will decreased at a faster rate.. It will achieve healthcare reachability to as many people as by extending public and private insurance. The Affordable act has included following: any one with pre-existing condition can not be denied of coverage, children under 26 may be eligible for coverage under their parents insurance, insurance companies can not cancel your coverage due to withdrawals.

The Patient Protection and Affordable Care Act establishes new requirements for health plans and insurers changed in order to expand access to affordable coverage, and prevent individuals from losing certain coverage. New coverage insurance market regulations will prevent health insurers from denying coverage to people for any reason, in which their health status, and charging people more based on their health status and gender. These new rules will also require that all new health plans provide extensive coverage that include at least a minimal set of services, caps annual out‐of‐pocket spending that does not impose cost‐sharing for preventive services, as well as no impose annual or lifetime limits on coverage. For example, new insurance market regulations within private insurances allow young adults are able to stay in their parents health insurance up to the age 26. Once an employee has reached age 26 they have to upgrade from their parents insurance plan to defendant coverage plan eliminating annual and lifetime limits on coverage such as rescissions and waiting periods within 90 days. Health insurers will be prohibiting from placing an age limit to their coverage in case of fraud. Large employer that offer coverage plans will have to automatically places employs in to a low cost premium plan if the employ sign up or exit out of coverage. Overall health plan premiums will be able to vary based on an age, geographic area tobacco

We fielded many calls both during Open Enrollment and after Open Enrollment related to eligibility, benefits, claims questions, etc.

I agree, when a health care plan is labeled open access this means that the members within the plan can choose their own doctors and specialist without a referral which makes the plan more appealing. Despite most open-access HMO’s have significant- sharing differences the health program is still an excellent choice. Great post.

Should the United States develop a system for free college tuition? Free college tuition would benefit many college students and people interested in getting a higher education because as of the moment the education system is built around money and having to get student loans or scholarships if you cannot come up with tuition up front. It would also take a lot of money out of the economy for the first 10 years or so, mainly because it would take people being able to graduate with a degree for a higher salary for the United States to be able to charge more on taxes to make up for the money lost going to pay for the faculty salary and the student textbook fees. Many are for a free college tuition system but many are also against it because nobody wants to pay even more on taxes but once the people who are against it would see the amount of money begin put back into the economy from the raised taxes there would be able to see the goal of the whole idea. The United States needs to develop a system for free college to give students the ability to get an education they never would have been able to get before and would allow for more money to be brought into the economy from more Americans getting higher paying jobs and make the U.S. a more prosperous nation.