Subsidized Health Care Cons

In 2010, the United States created The Affordable Care Act (ACA). The objective was to share the responsibility of costs between the government, individuals, and employers to provide affordable access to quality health insurance. “However, health coverage remains fragmented, with numerous private and public sources, as well as wide gaps in insured rates across the U.S. population.” (“United States: International Health Care System Profiles,” n.d.). Each individual state within the US, generally has control over private insurance.

The Affordable Care Act (ACA) has been a topic of dispute since its introduction and continues to be discussed by politicians in the U.S. and throughout the world even after its passage. The Act has many opponents and is the cause of much controversy nationwide, primarily because it introduces higher healthcare costs for the richest citizens. Nevertheless, the ACA is an important stage in the American healthcare development process as it not only allows more people to receive healthcare services, but will also reduce the deficit. However, not everyone agrees. The policy is controversial in terms of cost vs. benefits, but the benefits ultimately outweigh the costs.

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.

The Affordable Care Act (ACA) is considered to be one of the most radical health care moves in legislation after Medicare. The reason being that it will provide universal health coverage to everyone regardless of circumstance. An evaluation of ACA’s influence on health care will be evaluated in this paper.

The Affordable Care Act has also been extremely beneficial in helping those in poverty. For instance, the government wanted health care coverage to be extended so the poor would be able to afford health insurance. To successfully accomplish this, they decided that they should “heavily [subsidize] the cost of purchasing insurance for the poor” (Eddlem, 2010, p. 1). When subsidizing the poor, the nation would be financially supporting and investing in the health coverage of those in poverty. These impoverished Americans have no access to health care, and typically a lack of health care leads to worse health conditions. With their constantly declining health, they are forced to stay

The Affordable Care Act otherwise known as Obamacare or the Patient Protection and Affordable Care Act (PPACA) was signed into law in March 2010 and it has not been without its share of problems, debates and controversies. One of the main points of the debates and controversies with the PPACA has been the legality of the individual mandate. The individual mandate “requires that most Americans obtain and maintain health insurance, or an exemption, each month or pay a tax penalty” . The whole purpose of creating PPACA was to “achieve near-universal coverage and to do so through shared responsibility among government, individuals, and employers” and to be able to “improve the fairness, quality, and affordability of health insurance coverage” also to be able to “improve health-care value, quality, and efficiency while reducing wasteful spending and making the health-care system more accountable to a diverse patient population” .Those were the top three goals that were the foundation when drawing up the policies for The Affordable Care Act to develop what was hoped to be universal healthcare system for the citizens of the United States. While The Affordable Care Act does have its benefits, such as it would cover pre-existing conditions where most private insurances do not do, more people have the ability to get what they call affordable medical insurance, costs of prescriptions are lower and it even offers tax credits for those that purchase the insurance but it also

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.

The ACA also introduced certain incentives for applying for insurance such as subsidies as well as mandates that penalized those who refused health insurance with a tax. However, for those individuals who would see at least 8% of their income go towards insurance, are exempt from the penalty. The law requires insurance providers to accept any applicants and prohibits discrimination from preexisting conditions or sex. It also requires that insurers provide all patients with ten essential health benefits. Provisions also prevent insurers from subjecting preventive care and vaccinations and to co-payments. Annual and lifetime coverage caps on the aforementioned essential benefits were also banned by the ACA. The Centre for Disease Control reported a steep drop from 16% to 8.9% in individuals lacking health insurance from 2010 to 2016. States that chose to expand Medicaid had roughly a 7% uninsured rate compared to those that did not expand. Despite the positive effect of the ACA, it is not without its demerits, Conservatives in particular took offense at the increase in both taxes and insurance premiums needed to expand coverage to those with prior conditions as well as benefits. Several new taxes help provide funding for Obamacare such as those on pharmaceutical sales, as well as the higher income bracket. Thus there is opposition with the fact that the wealthy are in part subsidizing insurance for the poor.

The Affordable Care Act has many pros and cons in requiring United States citizens to have insurance. Many people believe that requiring health insurance should be left for the people to decide, and that the government should not have a role in this industry while other people believe the government should require citizens to have health insurance. How important is it that everyone has health insurance? Some groups of people will benefit more from being required to have insurance, especially the lower and middle class citizens. There are many different perspectives when it comes to the requiring of health insurance like gender, class, age, but most importantly race. I will examine the African American perspective, and the pros and cons of required health insurance. I

In many people’s eyes, Obamacare or the Affordable Care Act was a way to help the lower class Citizens to afford or get health care, but over time Obamacare has created impact on all other parts of society as well. Obamacare had created huge bills for the government, tax payers, hospitals, and many others. There are alot of financial impacts for Obamacare on lower society, it has a effect on everyone part of society. One thing is clearly shown , that Obamacare has a lot of negative impacts on Obamacare has a lot of impact on high society, such as increased tax which is caused by the free health care given to though who are positively impact, the lower class.

The Affordable Care Act (ACA), better known as Obama Care, is just one of many pieces of legislation dealing with health care issues that our country faces. In this paper the discussion of this legislation will focus on the applicability of the legislation and what it means to American citizens. Decisions and pending rulings by the Supreme Court will be discussed and analyzed by constitutional standards and will show the facts of the legislation’s standing as law. Specific constitutional criteria will be utilized is determining the validity of the ACA in conjunction with other federal laws as well as any prohibitions stated within any court rulings and the United States Constitution. The issues of canceled insurance policies, mandates to acquire or retain insurance, and the impact of such on citizens will be addressed in accordance of the previously mentioned criteria. A solution as to how to fix the problem of health care legislation, specifically the ACA, will be offered and substantiated by way of facts and law in order to present a better understanding of the ACA.

The Affordable Care Act (ACA), better known as Obama Care, is just one of many pieces of legislation dealing with health care issues that our country faces. In this paper the discussion of this legislation will focus on the applicability of the legislation and what it means to American citizens. Decisions and pending rulings by the Supreme Court will be discussed and analyzed by constitutional standards and will show the facts of the legislation’s standing as law. Specific constitutional criteria will be utilized is determining the validity of the ACA in conjunction with other federal laws as well as any prohibitions stated within any court rulings and the United States Constitution. The issues of canceled insurance policies, mandates to acquire or retain insurance, and the impact of such on citizens will be addressed in accordance of the previously mentioned criteria. A solution as to how to fix the problem of health care legislation, specifically the ACA, will be offered and substantiated by way of facts and law in order to present a better understanding of the ACA.

The Affordable Care Act was created to assure all Americans have access to affordable insurance, but as stated by Sir Isaac Newton for every action there’s an equal and opposite reaction. As more and more people become insured in this country, the for-profit insurance companies are reaping the benefits from the legislation of the Affordable Care Act.

In February 2017, the news was dominated by stories and video of town hall meetings with constituents telling their representatives stories of how the ACA had benefitted them or their loved ones in one way or another (Colliver, 2017). There is no doubt that the law has helped thousands, maybe even millions of people across the country. There have also been stories of individuals who have health insurance, but are unable to use it because of high deductibles, which effectively render the insurance policies these people hold emergency only plans (Luhby, 2016). This is most certainly an unintended consequence of a law that was written with good intentions, but which needs to be modified to work with the real life situations the citizens of this country are faced with.

The implementation of the Affordable Care Act (ACA), popularly known as “Obamacare”, has drastically altered healthcare in America. The goal of this act was to give Americans access to affordable, high quality insurance while simultaneously decreasing overall healthcare spending. The ACA had intended to maximize health care coverage throughout the United States, but this lofty ambition resulted in staggeringly huge financial and human costs.