The Health Care Of The United States

While the Affordable Care Act was implemented in 2010, the most significant changes in the healthcare system began in 2013 with the expansion of Medicaid. According to the ACA’s official website, the law’s main goals are to create cost efficient health insurance and medical services, as well as expand Medicaid so that the stated programs will be available to more Americans. (“Affordable Care Act (ACA)”). To do so, the ACA imposed many requirements on both sides of the health care system. The ACA has expanded federal regulations on private insurance providers by requiring that these companies cannot deny coverage based on the health of the beneficiary. The ACA has also established a marketplace for health insurance to be purchased by small businesses and individuals. Finally, the most noteworthy reform is the requirement for all Americans to purchase minimum coverage, or pay a penalty. However, those who cannot afford coverage and have “an income below 138% of the Federal Poverty Level eligible for Medicaid” will be paid for by the government (“The Affordable Care Act in the US”).

17.1% of Americans who did not have coverage prior to the ACA will have access to quality affordable health insurance through their State's health insurance marketplace, or the expansion of Medicaid and the Children's Health Insurance Program (CHIP) (Sommers, Kenney, & Epstein, 2013). Furthermore, there is also a mandate for employers to advance access to work based coverage.

As the implementation of The Affordable Care Act (ACA) nears, news media is featuring a large number of individuals whose health insurance coverage is being cancelled. The current administration claims that their objective is for everyone to have health insurance, but there is a gap between their new legislation and the results. American consumers are falling in the gap between private insurance plans that are too expensive, and the poorly developed government system. Despite claims from the Obama administration, the Affordable Care Act limits the American public’s choice of private health insurance plans.

The Patient Protection and Affordable Care Act establishes new requirements for health plans and insurers changed in order to expand access to affordable coverage, and prevent individuals from losing certain coverage. New coverage insurance market regulations will prevent health insurers from denying coverage to people for any reason, in which their health status, and charging people more based on their health status and gender. These new rules will also require that all new health plans provide extensive coverage that include at least a minimal set of services, caps annual out‐of‐pocket spending that does not impose cost‐sharing for preventive services, as well as no impose annual or lifetime limits on coverage. For example, new insurance market regulations within private insurances allow young adults are able to stay in their parents health insurance up to the age 26. Once an employee has reached age 26 they have to upgrade from their parents insurance plan to defendant coverage plan eliminating annual and lifetime limits on coverage such as rescissions and waiting periods within 90 days. Health insurers will be prohibiting from placing an age limit to their coverage in case of fraud. Large employer that offer coverage plans will have to automatically places employs in to a low cost premium plan if the employ sign up or exit out of coverage. Overall health plan premiums will be able to vary based on an age, geographic area tobacco

With 50 million uninsured Americans in 2010, the Affordable Care Act (ACA) aimed to insure nearly everyone with “minimum essential” health insurance coverage. The ACA provides that all Americans and individuals lawfully present in the United States be provided health insurance regardless of their health or financial situation. It strengthens existing forms of health insurance coverage, while building a new health insurance market for individuals and families who do not have employer coverage or another form of “minimum essential coverage” such as Medicare or Medicaid. In addition, the ACA imposes fees or assessments on health insurance providers. The fees meant to be absorbed by insurance providers will impact premiums for all individuals covered under fully insured or self-funded plans and policies.

The propose of this article is to present the advantages and disadvantages of the Affordable Care Act (ACA) or Obamacare which make all Americans insurable, by requiring insurers to accept all applicants at rates based on population averages regardless of health status. The ACA increases coverage by allowing states to expand Medicaid (the social healthcare program for families and people with low income and resources) as well to cover everyone near the poverty line, and by subsidizing private insurance for people who do not get workplace coverage (Mark A Hall, Richard Lord, 2016)

The ACA will primarily expand coverage, providing people with more access to health insurance, this does not, and however, mean that health care will become universal. Employees

Some of the substantial changes to our health care system made by the law include requiring most individuals to carry health insurance, keeping insurers from denying a person their benefits based on a pre-existing condition, creating health insurance exchanges through which individuals and families not eligible for employer- or government-sponsored health insurance can purchase cover- age and expanding eligibility for the Medicaid program. The ACA will change the focus of our nation's health care system from treating sick people to prevention, increasing access to care and ensuring quality health care for

The ACA has created certain restrictions on insurance companies which limits insurance companies from ending contracts and denying patients of medical coverage because of a patient’s medical

The Affordable Care Act or ACA (often called ObamaCare) was signed into law on 23 March 2010 by President Obama. The ACA is a vastly wide-ranging piece of legislation which touches on many facets of our health care system. It is comprised of the Affordable Health Care for America Act, the Patient Protection Act, and the Health Care and Education Reconciliation Act. This act is known as being one of the most comprehensive reforms of the United States medical care system in the last several decades, as it put in place broad transformations that are supposed to increase access to reasonably priced health insurance for everyone. The ACA renovates the non-group insurance market in the United States, dictates citizens have health insurance, considerably expands public insurance, subsidizes private insurance, increases revenues from an assortment of new tax laws, and lessens and restructures spending under the country's largest health insurance plan, Medicare.

For the first time in history, insurance companies will no longer be allowed to simply tell a person “no”. They will be required to offer coverage and accommodate regardless of a person’s health status, and they will not be able to jack up rates or drop any one from coverage when the main person in the insurance packet gets sick.

In March 2010, the healthcare reform law known as Affordable Care Act (ACA) also known as “Obamacare” was enacted. One of the goals of ACA is to make healthcare insurance that is affordable to more

For many Americans the cost of health care is something they cannot easily afford, however these individuals make too much to obtain Medicaid. Usually these Americans are young and generally healthy individuals that do not need access to medical services regularly. Until the ACA passed in 2010, many of these healthy individuals were not covered by an insurance policy. Under our new laws regarding mandatory coverage, these hard working, healthy taxpayers are forced to maintain insurance

Before the ACA published, insurance companies have authority to change the content of insurance with this reason, such as increasing the payment, excluding explicit benefit, denying the coverage, even refusing or canceling the application. In the contrast, the Obamacare prohibit these actions now. Insurers cannot change the insurance based on patients' medical histories. “This was huge”, Deborah Chollet, the manager of health insurance research at Mathematic Policy Research said, “Now they can't set rates on health status at all, and they have to cover the whole

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.