Pros And Cons Of New Law

A newest way to finance health care now days is the health care reform which it is also called Obama Care. The Affordable Care Act was signed into law in 2010. The main objective behind the Affordable Care Act was to ensure that affordable health care insurance was available to every U.S citizen. This law is an extensive document that contains many regulations and laws that relate not only to health care but also to the regulation of insurance companies. One of the best known regulations is that group health plans can no longer put limitations or deny benefits to individuals under the age of 19 due to pre-existing conditions and individuals under the age of 26, are now eligible to be covered under their parents’

The exact definition of a juvenile is a “young person” who has yet to reach their 18th birthday. The average life expectancy of someone living in the U.S. is about 79 years old. Proposition 21 requires juveniles to be viewed and tried as adults, including receiving adult punishment such as a life sentence. If a juvenile receives a life sentence before they reach adulthood, more than three-fourths of their life is gone (“California Proposition 21”). Juveniles don’t even have a fully developed brain and as a result, can’t fully understand the circumstances that they find themselves in. Courts must not be given the power to try and sentence juveniles as adults because the environment in adult prisons are for adults, not juveniles, therefore, Proposition 21 should be repealed.

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

D., Buchmueller, T., Decker, S. L., Carey, C., & Kronick, R. (2012). Also, coverage gains were greater among nonstudents oppose to students, and among those in worse health than those in better health. These groups with larger gains were also more likely to have had fewer insurance options before the Affordable Care Act; sicker people because of exclusions as well as denial of coverage in the nongroup market, and nonstudents because insurance plans before 2010 typically allowed parents to claim children ages 18–22 as dependents only if they were full-time students. Sommers, B. D., Buchmueller, T., Decker, S. L., Carey, C., & Kronick, R. (2012).

Now with this rule, everyone is given the right to own coverage, so in the case of an emergency they’ll be readily able to afford this financial burden. Another rule that was implemented was that “young adults [were allowed] to stay on their parents’ plan until age 26” (Eddlem, 2010, p.1). This is exceptionally helpful for those young adults who aren’t able to financially support themselves. In the past when this age was only 18, those without jobs or any source of income couldn’t afford to have any health insurance. Now that the age has been extended to 26, these uninsured young adults are covered until they are able to financially take care of themselves.

First, the act addresses major reforms to undertake in the health insurance sector to improve access to quality health care. The age of dependent coverage increased to 26 years, limits on annual benefits eliminated and challenges faced by those with preexisting medical conditions in getting a cover addressed. In addition, insurance documentation became uniform to allow for comparison (McClanahan, 2012). Thus, more Americans can access an insurance cover without increasing premiums.

In any case, 18-24 year-old were the main age gathering to encounter a significant decrease in the rate without insurance over the previous year, from 29.3% in 2009 to 27.2% in 2010, which speaks to 500,000 less youthful grown-ups without medical coverage. The Affordable Care Act permits kids to stay on their folks arranges until age 26, and this approach produced results for protection arrange recharges starting on September 23, 2010.

Insuring health coverage for dependent adults until age 26 aims to decrease the great number of young adults uninsured out of college, and increases the number of young adults visiting the hospital for major to minor health issues. Unfortunately, before this extension was made, many dependent young adults opted out of medical visits because the fear of the costly visit. Approximately 13.7 million young adults were in uninsured in 2008, which was a jump from 10.9 million in 2000 (Collins, 2010). With this law being made under the Affordable Health Care Act, young adults should feel more comfortable to visit the hospital for minor health issues, in order to prevent major health issues.

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).

Notable items include raising the dependent children age to 26 with no caveats regarding college attendance, eliminating the insurer’s right to refuse coverage of pre-existing conditions, abolishing cost limitations of patient care, mandating rebates of unused premiums, and offering preventative patient exams and physicals at no expense to the sponsor. An unpopular provision is the 40% excise tax employers, or insurers will pay for plans where the premiums exceed $10,200 per person or $27,500 per family in a year (The White House, n.d.b).

The ACA has several important expanded coverage features. Most notably, the new law keeps young adults, 26 years of age and younger, on their parent’s health insurance plan. This particular aspect of the reform allowed up to 3 million young adults to remain covered on their parent’s plan which mean 3 million more people had access to primary care, urgent care, and medication. This was a huge increase from 2010 in which 30% of young Americans between the ages of 19 and 29 had no health insurance coverage. (ObamaCare Young Adults. 2010). Additional features of increased coverage under the ACA was the

Children can stay on their parents, healthcare plan until the age of 26 as of 2012, [2].

Beginning this year is when nobody can be denied health insurance because of any previous medical conditions they were denied to before. The law also ended insurance denials that were due to pre-existing conditions. Good news for adult children is that anyone uo tp 26 can continue to get health insurance on their parent’s policies. The law even ends lifetime limits on insurance payouts and health insurers are demanded to at least spend 85% of their premium dollars on health care.

The ACA requires insurers to accept all applicants, cover certain conditions, and charge the same rates despite one 's sex or pre-existing health status. There are ten provisions that make up the ACA which were to be implemented over time, from 2010 through 2020. The first provision is individual insurance, which prohibits insurers to deny coverage based on one 's pre existing health conditions. States were also required to make insurance available to children who are not insured through their families. Medicaid was also expanded to include individuals and families with an average income of thirty thousand dollars a year. This mandate will not cover those who are illegal immigrants, eligible individuals who choose to not be enrolled in medicaid, those who choose to pay the penalty, individuals whose insurance would cost more than 8% of their income, and those who live in states that opt out of the medicaid expansion.

The Patient Protection and Affordable Care Act (PPACA), commonly called Obama care, is a United States federal statute signed into law by President Barack Obama on March 23, 2010. Together with the Health Care and Education Reconciliation Act, it represents the most significant government expansion and regulatory overhaul of the U.S. healthcare system since the passage of Medicare and Medicaid in 1965. Guaranteed issue will require policies to be issued regardless of any medical condition, and partial community rating will require insurers to offer the same premium to all applicants of the same age and geographical location without regard to gender or most pre-existing conditions. It requires that all individuals not covered by an employer sponsored health plan, Medicaid, Medicare or other public insurance programs, secure an approved private-insurance policy or pay a penalty. According to this system, a child would stay under their parents insurance until they turn twenty-six. The non-participating employers/ citizens, health