Pros And Cons Of The Affordable Care Act

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’

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

The Affordable Care Act that is commonly known as the Obamacare can be explained as healthcare declaration that was enacted by the Federal government on 23rd March 2010. The main objective of the Act was to reform the US health systems by offering and bettering access to quality and affordable health care, health insurance, and by offering American citizens with more rights and safeguards by minimizing healthcare expenses for both the government as well as the American residents. Moreover, it can also be pointed out that the Act also aimed extending private and public insurance coverage while also regulating the insurance sector. Nevertheless, since enactment of the Act, the Act has been heaving criticized by some quarters to the extent that some political leaders in the USA have expressed their views on repealing the Act (Everett and Dawsey, 2017). Nevertheless, it can also be pointed out that there are those who strongly support the Act and give different reasons to explain the reasons why they are in support of the Act. This essay focuses on the topic of Obamacare and discusses in detail the reasons why the Act should be ammended.

There are many factors in the affordable care act that have a significant effect on Americans, and are a major part of the affordable care act. In this essay i will discuss these factors of the Affordable care act and show the effects of them whether they have positive or negative effects.

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.

The Affordable Care Act is considered one of the most important legislations related to health care reform to ever been enacted in the history of the United States (Cannan, 2013). The ACA was developed in order to give consumers control of their health care and to provide them with a means of power. The intention was for Americans to have stability and flexibility when it came to making personal healthcare decisions. Many citizens have been able to opportunity obtain affordable healthcare coverage with this reform that they did not have before. Programs have been developed to assist those with pre-existing conditions that may have previously been unable to obtain coverage. Options for young adults under the age of 30 who may not have had coverage have been developed under other health coverage program enacted. The Affordable Care Act has also offered protection for those that received arbitrary withdrawals of insurance coverage. Many Americans have chosen to opt out of healthcare coverage altogether in the past, but this is no longer an option without a penalty. There is a fine that is required to be paid when filing annual income taxes. Unfortunately, some Americans are uninsured and do not have the means to pay for health insurance, and are forced to pay the fine. This has been a growing issue in America as many families cannot afford much more beyond the daily necessities. Therefore, any serious injury or illness can quickly diminish any savings or cause debt to those

The Patient Protection and Affordable Care Act (PPACA), commonly referred to as “Obamacare,” completely changed the American healthcare system. The purpose of the bill was to lower the cost of healthcare, improve health outcomes, and lower the national uninsured rate. To lower the cost of healthcare, the bill provides federal subsidies for government-sponsored healthcare plans to any person or family whose income is between one and four times the federal poverty level and is not covered by their employer, Medicaid, or Medicare (Neporent). In addition, the bill allows children to stay on their parents’ insurance plans until they are 26. Previously, children could only be on their parents’ plans until age 19 ("Is the Affordable Care Act Working?").

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).

The primary social problem that the Affordable Care Act (ACA) was enacted to address was for everyone to have insurance. The goal was to make insurance accessible to everyone and decrease the number of people without health insurance. The most important provisions of the law were preventive care, birth control, and prohibit exclusion of an individual with preexisting conditions, and Medicaid expansion. They addressed these problems by covering all well visits, making birth control free, allowing people with preexisting conditions get the help they need, and expanding Medicaid for the childless adults that are poor. According to Sanger-Katz and Bui (2016), the uninsured rate has gone down but there have been some difficulties with the Medicaid

We should alter The Affordable Care Act because it has and will have a negative impact on the US causing more political arguments and splits involving the House, Senate, and President. The Affordable Care Act or also known as Obamacare has been adopted by americans for various different reasons, it is known as something that help but also has a negative impact on the people. It allows citizens with low income to obtain health care affordably, hence the name of the act. Unfortunately there is a darker side to Obamacare that seems to have been a bit overlooked and ignored. The Affordable Care Act may seem to have many benefits, but the cons of it are emerging from underneath the surface. Both republicans and democrats have worked to create

The Affordable Care Act is the new health reform law that was signed into action on March 23, 2010. The Affordable Care Act attempts to reform the healthcare system by providing Americans with affordable health insurance. It helps put individuals, businesses, and families in control of their own healthcare. By the sound of it, it really looks like this is something that will positively impact the lives of Americans, and make it easier for individuals to obtain health insurance. Unfortunately, what many Americans are unaware of is that there are so many underlying issues that make the Affordable Care Act not so affordable. Issues such as penalties and taxes that certainly rack up the cost on individuals, businesses and even hospitals that make it difficult for people and businesses to be in “control” of their health care.

The purpose of The Affordable Care Act (ACA) is to increase access and make it more affordable for all Americans. Unfortunately, the US health care delivery system lacks the ability to plan, direct, and coordinate from a central agency making it difficult for citizens to obtain health coverage. For that reason, The Affordable Care Act in 2010 became the most extensive health care reform in US history with its main objective to reduce the number of uninsured. The ACA permitted some standards in the health care delivery system to achieve universal coverage. Some examples were authorizing health insurances to start covering children and young adults below the age of 26 under their parents’ health insurance plans also allowing the law to lower

The Affordable Care Act, does it affect the average consumer financially? My paper is going to explain what the affordable care act is, why the law was passed and how the coverage works. I will explain why so many people do not like the new law. I will also tell you what will happen if you don’t get insurance as mandated by the government. It will also explain the metal tiers and how people chose the plans based on premiums and doctors. The article from Amy Anderson DNP, RN, CNE says how this new law has raised the number of uninsured, which is higher than it’s been in four decades.

“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.

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