Preventative Care Case Study

The purpose of the Affordable Care Act is to make health insurance more affordable for those who may not have health insurance or those who do, but have little to no coverage. While a vast majority of Americans had health insurance previously to the enacting of ACA, the new law was for people who did not want to buy it or could not afford insurance (Clark J.,

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.

When president Obama signed the Affordable Care Act in March 2010, it came with a lot of new provisions that would vary when they would come into effect. The very first provision was the “Grandfather Clause” which allowed people to keep their insurance plan before the act went into effect. As long as the employer still offered that plan the employee could still maintain it because they were grandfathered into receiving that coverage. If someone bought an insurance plan after March 2010 they would not be considered under the Grandfather Clause. Thus, these individuals would be required to get a new plan by 2014 if their plan did not meet all the criteria, they would need to get a new plan that fills all the criteria. Another major provision of the Affordable Care Act is that patients have a guaranteed issue. This means that insurance companies are unable to deny anybody health insurance based on their health or prior health. This may create a problem because the risk pool of an insurance company may not have the best people. Eventually, this could lead to the majority of the risk pool for an insurance company to have people who are at a greater risk of needing health insurance. This will make the insurance company more vulnerable and the only way that they will be able to cover the losses is by raising the premiums on everyone even though there may be some individuals that are in perfect health. The next provision that was added under the Affordable Care Act is that the

As I watched the political speeches, it became apparent that this law had other, further reaching goals. This seems to be the first step in what Democrats have been trying for many years, single payer or nationalized healthcare. Much of the success of the ACA goals was dependent on states expanding Medicaid. Some states could not justify expanding a system that would cause more harm than good. According to many analyst including the Galen Institute (A not-for-profit health and tax policy research organization) who stated: “One reason why the anger over Obamacare has subsided somewhat could be that more than 70 significant changes have been made to the law since it was enacted in 2010—delaying, weakening, and eliminating some of its more onerous and burdensome provisions.” (Turner & Roy 2013) The law that is being implemented is not the one Congress passed. According to the Galen Institute, “at least 43 of the changes to the Affordable Care Act have been made unilaterally by the Obama administration, 24 have passed Congress and been signed into law by President Obama, and three were made by the Supreme Court, which had to rewrite the law to uphold it.”(Turner & Roy, 2013)

It became law in March 2010 as a way to improve the U. S. health care system by expanding coverage to more Americans (Gruber 2011). The Affordable Care Act gave millions of people access to health insurance. Since the passage of ACA, more people are able to purchase health insurance (including those with preexisting conditions), children under 26 can remain on parent's insurance, businesses with less than 25 employee are assisted with providing coverage. Also children under 19 with pre-existing conditions can't be denied coverage (Gruber, 2011).

President Barack Obama signed the Affordable Care Act, into law on March 23rd 2010. Congress had tried for decades to pass health care reform, beginning with President Franklin Roosevelt. “Following President Obama’s inauguration, he used Democrat control of both the House of Representatives and the Senate to enact health care reform legislation, and granted the federal government control of over 16% of our nations economy” (Taylor 3). The law states that every American citizen is mandated to purchase health insurance. “If you choose not to obtain Health Insurance by January 2014, you will be penalized $95, or 1% of your income-whichever is greater” (Taylor 5). “The penalty rate for non-compliance will

The Affordable Care Act was signed into law by President Barack Obama in March of 2010. The Affordable Care Act was created by Barack Obama to help Begin the process to reform the health care system. By having the Affordable Care Act in place it will implement measures that will lower health care cost and Improve system efficiency. It will also help eliminate industry practices that will deny coverage due to pre-existing conditions which will be very helpful to people who have experienced that? There were more than 44 million people that did not have medical insurance because they couldn’t afford it. Having this law in place will be able to help those 44 million people get medical insurance. Before The Affordable Care Act was passed there were a lot of insurance companies that could deny people because of their insurance coverage right in the middle of them doing treatment? Which are ridiculous people who do not have

The 2010 Affordable Care Act (ACA) is the most current governmental effort to bring a national health care plan to the United States (U.S.). Policy makers in the U.S. are hopeful the ACA will be able to extend health care coverage to 47 million nonelderly uninsured citizens (Kaiser Family Foundation, 2014). The ACA broadens the Medicaid eligibility for low income individuals at or below the 138% Federal Poverty Line (FPL) and adds tax credits to assist people to purchase insurance in the Health Insurance Marketplace (U.S. Department of Health and Human Services, 2015). In 2012, the Supreme Court the upheld the constitutionality of the ACA requiring most people to maintain a minimum level of health insurance, however they left the

President Obama signed The Affordable Care Act into law on March 23, 2010. The goal of the Affordable Care Act was to provide health care for all Americans and to help control the growth in health care spending. In addition to health insurance reforms, the Affordable Care Act includes tax provisions that affect individuals, families, businesses, insurers, tax-exempt organizations and government entities. These new tax provisions impact health insurance provided by employers.

The bill was the complete opposite of the ACA instead of increasing coverage for millions of Americans it would eliminate coverage, in 2018 14 million would lose coverage, that number would increase to 21 million by 2020, with another 24 million by 2026. Many Republican voters immediately revolted from these numbers, telling their lawmakers they would vote them out if they passed

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 Affordable Care Act is supposed to be designed to make insurance costs affordable for Americans, rather than what the law offer for Americans to pay. The law states that everyone must have health insurance, or they will be subject to penalty. Sireesha Manne, a staff attorney at the New Mexico Center on Law and Poverty stated “For those with very low wages trying to raise kids after paying for housing, electricity, food, and transportation, and child care, asking people to pay another $50 to $100 a month that’s just out of reach.” A concern regarding the Affordable Care Act, is that even with the federal financial assistance available under the law, health insurance will remain unaffordable for a significant number of low-income families. Although the Affordable Care Act is to be cost effective, the prices and premiums are still exceedingly high for Americans with low and moderate income.

Like you, I also have experience working in the healthcare field and have seen the impact of the changes the ACA has created for both providers and for patients. Personally, I think that it is great that many people, who prior to the enactment of the ACA were uninsured, are now able to qualify for health insurance. However, I don’t think that it should be a mandate that all people have insurance.

The concept behind the Affordable Care Law is to provide help with medical assistance for citizens of this nation. When speaking of help, and concept, the Law supports the health of the nation and the health of the patients who need medical assistance. Even more, another huge concept of the plan is to allow the patients to manage their own health needs, this means not allowing corrupt individuals or organization to take advantage of the less fortune. The Affordable Care Act puts consumers back in charge of their health care (Assistant Secretary for Public Affairs, 2015). As mentioned before the Law helps with coverage, costs, and care. The approach of each of the previous terms mean a great deal for the nation. The choice to medical coverage created by the Law offers great additions to the idea of equity, efficiency and effectiveness.

Mason & colleagues (2016) lay out three important areas that the ACA provision addresses. First, the ACA provisions address to Expand access and health insurance coverage to improve insurance coverage currently held by most Americans, which lots of people are aware of the changes to and the expansion of health insurance coverage. The provision immediately made some improvements and forwarded them to the insurance system and others and these are some examples that went to effect; Elimination of lifetime and unreasonable annual limits on benefits, and it also ceased annual limits in 2014. In addition, the ACA provision altered