Pros And Cons Of The Affordable Health Care Act

Health care has been a controversial topic of discussion for all Americans since it was put in effect many years ago. Currently the biggest debate of Healthcare up to date is Obama’s Patient Protection and Affordable Care Act, also known as Obamacare, is a Health care Reform that is a governmental attempt to make basic health care easily obtainable. However, there are no benefits without cost in situations like this, and upon that are different viewpoints on the subject thus creating political debates discussing if it is ethically correct. The overall goal that Obamacare hopes to accomplish is that through specific changes through insurance companies, industry standards, and patient guarantees a healthier America will be produced. Obamacare has its ups and downs for both the generally agreeing democratic viewpoints and the opposing republican side. Both viewpoints have their own beliefs about how Health care works and Obamacare is somewhat in between on this. Most arguments on Obamacare deal with Medicaid being constitutional and if Obamacare truly reduces the total cost of health care for individuals and in the government.

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).

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 has made many positive changes for uninsured and underinsured citizens. With the addition of a program called Health Insurance Marketplace, it is now possible for uninsured people in every state to purchase private insurance plans, those making under 400% or less of the Federal Poverty Level will be able to have tax credits making insurance more affordable (Lathrop & Hodnicki, 2014). Insurance companies are no longer allowed to cancel a policy or raise rates when a client gets sick. Insurance companies cannot refuse coverage to individuals with preexisting conditions such as cancer (“Quality Improvement,” 2015). Insurance companies now must cover preventive care and screenings allowing diseases like cancer to be caught early (“Quality Improvement,” 2015). Research has shown that through health screenings

The general family has children and those children are placed under their parents’ insurance. “Statistics show how the affordable act affects young adults between the ages of 19-26. By the year of 2012, Millions of uninsured young children were added” (Jonathan Oberlander, 2008). Some young adults seem as if they have less job stability compared to the older workers. These individuals were among the surplus of those who would not want to repeal the ACA (Obama Care). In the creation of the ACA is has increased the profit for insurance companies. Members could get more premiums from other health sources, such as department of health services, but some are not beneficial in the long run. Most will end up having to pay the debt off other tax payers which are making it affordable for others to have the current insurance that is available to them now, considering that this is indefinite reasoning. Having children under parents’ insurance could very well

Would you like to pay $106,000 for heart surgery? The answer is no. I agree with the Affordable Care Act. The Affordable Care Act makes everything easier for Americans. The Affordable Care Act has impacted in a beneficial manner. No one including children will no longer be denied or limited to health care plans for their pre-existing conditions. According to the Health and Human Services (2014), all americans will have access to reasonable health insurance options. Since the Act came to place, more than 7 million people have signed up for health insurance through this. The Affordable Care Act is making a stronger health care and Medicare program. CHIP has expanded to cover up to 9 million children, which is good for all families.

Healthcare reform has become an important issue with many Americans since the passage of the Patient Protection and the Affordable Care Act in 2010. It took years of fighting and refining the bill before it became law, and it represents the lasting legacy of the Obama administration. The Act will allow millions of Americans who were previously uninsured to gain coverage through expanded Medicaid and Medicare programs or through federal or state insurance exchanges. Although the idea of providing healthcare to those who need it but can’t afford it is a noble one, one major question remains. Who will pay for the increase costs associated with expanding coverage? Health insurance is predicated on the spreading of risk. The young and healthy are used to subsidize the cost associated with the care of the old and unhealthy. Congress attempted to address this by placing within the Affordable Care Act a provision which imposes a “tax” of one percent of taxable income on any American who chose not to purchase insurance coverage with the tax increasing every year up to 2.5% for every year they go without coverage. Despite this provision many young Americans are opting out of health coverage and instead will pay the tax. Younger people are making this choice because the tax they pay will ultimately cost them less than a year’s worth of coverage. Not having the younger population covering the costs of the unhealthy could lead to a “death spiral” because private insurance companies are

Obamacare has drastically raised health care costs for individuals and families. One of the reasons Obamacare was established was to reduce family premiums by $2,500 a year (Anderson 1). However, this goal has not been accomplished yet, the typical family premiums are increasing at rapid rates (Anderson 2). From 2015-2016, Family Silver, one of the most popular family insurance plans, had a ten percent increase on their premiums price. Some states even rose by forty percent (Furchtgott-Roth 3). Middle class families cannot keep paying an arm and a leg for health insurance. Health insurance should not be a major issue for Americans, it should be

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

Americans who will consume healthcare less frequently are “needed to subsidize the cost of older sicker ones” (Oliphant, 2013). In order to achieve affordable health insurance and include the benefits of the packages, not only must Americans actively participate in the healthcare law but younger Americans especially. “In theory, the law would create large pools of younger, healthier participants whose premiums would help offset the cost of providing care for older policyholders who use the health care system more” (Cohen, 2013). As the deadline approaches for Americans to shop and purchase healthcare packages, the desperate need for compliance by young Americans has increased and has been communicated to the People. According to CNN News reporters, President Obama encouraged young supporters to recruit their peers to sign up for healthcare on Wednesday December, 4th 2013 (Cohen, 2013). Americans who will be depending on their healthcare more, will also depend on Americans who are healthier, to comply and pay into the plan as an attempt to maintain affordability in Obamacare.

There are Currently 32 million people without health insurance in the United States. This means that roughly 83 per cent of citizens have to live day by day hoping they won’t get sick. For this reason, President Obama signed the U.S health reform bill into law. The health reform will make health care more affordable for citizens. Employers with more than 50 employees will be forced to provide coverage for all, or they will have to pay a fine. It will also make health insures more responsible. For example, health insurance carriers are forbidden from placing lifetime dollar limits on policies, from denying coverage to children because of pre-existing conditions, and from canceling policies because someone gets sick. It will also expand

I enjoyed reading your post. There are a lot of issues that you brought to the forefront for discussion during your post. The thought process behind the Affordable Care Act was admirable however, the ACA did not meet the needs for every american. So, therefore we see that the Affordable Care Act has been essentially been disbanded by the current administration in Washington. Whether a person agrees or disagrees with the political sides of either party one must realize that the Health Care system in America is broken and it some point in time it must be addressed and fixed (Mayer, 2013). There are no quick fixes to this problem and our sacrifices that must be made from both sides of the aisle politically speaking. The one aspect that

Based on what the student has learned, there were pros and cons with the onset of the Affordable Care Act (ACA). Also, the student believes that there are ways to improve the law as well. The ACA was intended to give Americans choice in having health insurance. Although, there was a penalty implemented if the people did not take advantage of the opportunity given. One benefit that the student found is that ACA lowered health care cost. One great example of that is the free preventive care, in which it offers free vaccinations and birth control. Second, to avoid taxpayer’s contribution, previous conditions had to be covered with insurance plans. This next one was very beneficial to the student’s last employment. Businesses with 50 or more employees

Medicaid is expanded up to 15.9 million men, women, and children who fall below 138% of the poverty level. CHIP (Children’s Health Insurance Program) is expanded to cover up to 9 million children. The employer mandate says that, starting 2015-16, businesses with less than 25 full-time equivalent employees can get tax credits for up to 50% of their employees health insurance premium costs. Young adults can stay on their parents’ plan until they are 26 years of age. 82% of uninsured adults will qualify for free or low cost insurance. Insurance helps everyone get lower prices on healthcare and protects them in an emergency. Medicare is improved for senior citizens by measures that eliminate the donut hole, keep rates down, cut wasteful spending and fraud, and expand free preventive services, ObamaCare retains a free market and allows our $3 trillion dollar healthcare industry to

In the past, 26 year olds were rarely on their parents’ health insurance plans. Currently, more and more young adults are relying on their parents’ insurance due to the chronic illnesses, employment, and the economy. The ACA allows young adults to stay on their parents’ insurance until December 31st of the year they turn 26, which I believe should remain intact.9 Young adults are the highest rate of uninsured out of all the other age groups with 1 in every 5 uninsured.10 3.1 million young adults have access to health insurance since March 2010, because of the ACA. Before the ACA, children were taken out of their parents’ plan at 19 years old or older if they were full-time students.9 The need for this aspect comes with chronic illnesses present in 1 in every 6 young adults.10 Additionally, “just 43.7% of all 18- to 24-year-olds and 55.7% of 25- to 34-year-olds were covered by an employer-sponsored plan in 2009, both significantly lower than a decade earlier,” according to a 2011 report by Demos and Young Invincibles.9 The ACA bridges this gap and helps those who are underemployed and younger than 26 have the coverage they need. In general, there is no promise of a full-time job with health benefits on or before a person’s 26th birthday. This is why it is important to have this aspect. Furthermore, “the extension came at a time that it was particularly needed because young people were hit particularly hard by the recession,” says Jen Mishory, a deputy director of Young Invincibles.9 If a young adult has employment, it usually comes without access to employer-sponsored health insurance. Many young adults also work for a small business, are contract employees, or want to be entrepreneurs. Without