The Most Obvious Advantage For Obamacare

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 Obama care Affordable Care Act has advantages, but the disadvantages in the favor of both the insurers and the insured play a major part in if the Affordable Care Act is for the best interest of everyone. In America, the average citizen has plenty to gain than to lose with the new insurance plans. The people on the higher spectrum ;however, will notice more negative effects of the Affordable Care Act as well as the larger businesses that will notice the financial downfall of the new insurance policy. In order to get the money to help insure most of the recipients of the health insurance plans there are new taxes, mostly on high-earners. According to Longman, Phillip, and Paul S. Hewitt, the authors of “After Obama care,” they state, “Workers with employer provided health insurance have to wound of paying this tax largely in the form of foregone wages, pensions, and other benefits.”(Longman & Hewitt 39). Many people that have worked on their jobs are satisfied with the insurance they had and with the new law they are paying more out of pocket in the end than they have before.

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.

Furthermore, Obamacare will bring unforeseen expenses not only by increased monthly insurance premiums, but also through tax penalties for Americans that don’t comply. Unless you qualify for an exemption, you are now required to purchase health insurance or pay a non-compliance penalty (Patton). The Affordable Healthcare Act will now force insurance companies to provide coverage to Americans that are considered high risk or have pre-existing health conditions. Considering, the majority of young Americans are generally healthier; they will be paying a higher premium

Since June 6, 2009, President Barack Obama has told the American public numerous times, “If you like your health care plan, you 'll be able to keep your health care plan.” The public later found out that this was not the case. If your health care plan did not satisfy the minimum federal requirements, then you will disinherit your plan and, you must find another one. House republicans have tried to repeal the bill almost 40 times because they claim it is a major threat to the economic health of the nation. Despite all of the political rhetoric about Obamacare over the past few years, a majority of Americans do not know what it is and how it affects them. While Obamacare does attempt to amend some of the

The purpose of Obamacare is to give Americans access to an affordable health care plan. The new law in 2014 is that everyone in the United States must have some type of health care plan. Americans who do not have a health care will have to pay a price on their tax return. The price is, “one percent higher than your income for the year or ninety five dollars per person in your household, whichever is higher.” (Long) This may not matter for some people, but others are having problems with that fact the price will also go up every year. “In 2015 it will be two percent of your income or three hundred and twenty five dollars per person in your house,

This is where Congress’ power to tax comes in. Article 1 Section 8 of the US Constitution states that, “the Congress shall have power to lay and collect taxes, duties, imports, and excises, to pay the debts and provide for the common defense and general welfare of the United States; but all duties, imports, and excises shall be uniform throughout the United States”. Although it is not upheld that Congress can use its power to require that everyone buy health insurance, it was agreed on by majority vote that the penalty imposed on those who do not buy a healthcare plan is a tax that Congress can impose by using its power to tax. With this, it is understandable that while Obama cannot make anyone buy insurance, he can penalize them for it in the form of a tax. According to the U.S. government, since the Affordable Care Act was passed, 16.4 million Americans have gained health insurance. However, 13% of adult Americans still lack coverage (Patient’s Rights Council). Many people are actually choosing to pay the tax rather than spend a large amount of money for insurance that they do not want, but there is another problem with that option. Although the tax is only $95 (or 1% of the family income, whichever is greater) after a year of having not enrolled in a healthcare plan, the penalty rises to $325 (or 2% the family income) the next year and $695

“If Obamacare is so wonderful, why is it that its loudest advocates don 't want to be subject to it,” stated Senator Ted Cruz. As financial and social hardships began to become apparent in the United States, one major problem facing the citizens and governing body is Health Care for all. Socialized medicine is a health care system where the government funds and runs health care facilities and employs the health care professionals, also paying for all health care amenities. This idea of giving high quality care to citizens previously unable to afford healthcare has caused problems in the United States, and this idea of “socialized medicine” has proven to create hardships in other countries in the past. Obamacare has introduced socialized medicine in the United States which has caused negative effects both financially and ethically.

Replacing Obamacare with something that works much better and gives people more freedom to choose options that works for their finances won’t be free (Graham, 2017). This means that, there are more affordable health plans out there that can be better for people that cannot afford the Obamacare… another cheaper health care that will have a better coast. There are many parents that need something more affordable health insurance for their children. So they can make sure that they have coverage on their self and their children as well. In the United States, there are young families that can be given a change to save up money before getting the health insurance. A replacement for Obamacare could give young modest-income families the chance to set aside some savings for health expenses (Graham, 2017). It’s always important to save money because; people may not know when they are going to need money to pay for medical expensive in case something ever

A less-known consequence of this mandate, one that is rarely mentioned in the public or media discussions on the plan is “individual mandate”, the requirement that each person must either purchase insurance coverage or pay an “uninsured tax” as a penalty for not maintaining health coverage. The law actually fines those who choose to not to carry any kind of insurance for every month not insured in the form of an added tax, and the amount of that tax is growing annually. In 2014, the rate was about $95 per adult and $50 per child per year. For a family of four that is $290 a year just in an extra tax. “The fee increases each year until it ends up being about the price of getting the cheapest health plan”. For example, in 2015 the rates will jump drastically to $325 per adult and $162 per child per year (Obamacare

Since 2010, the implementation of Affordable Care Act has successfully reduced the uninsured rate across the nation. Although Obama Care has helped many people become insured and gain access to healthcare, it’s only beneficial to those who have an in-depth understanding of the insurance plans when choosing the coverage that is best fit for them. Therefore, it’s crucial for people to gain an in-depth knowledge about the plan before enrolling to avoid the healthcare coverage that could put a financial burden on them when they actually utilize the medical services.

As Americans citizens we have the freedom of religion, speech and press, the right to vote, the right to bear arms and the right to a fair trial so why not the right for affordable health insurance. Americans would appreciate reasonably priced health care with benefits and Obamacare was the first presidential attempt to force less ideal health care on all Americans; Trump has promised to revamp Obamacare and help Americans with better health care coverage.

This new system will be incredibly expensive, so there will be new taxes added on to support it. This decrease’s the average Americans spending power, which means now less money is being put into the economy. Even if the middle class can support this tax it will still hurt the economy. The reason being is that taxes and new taxes especially carry a mental affect with them. They make people feel as if they suddenly are losing money so they stop putting their money back into the economy. Not only will taxes be raised, people will be paying for millions of illegal immigrants who will be able to use this new system without ever paying for it, thus increasing the tax burden on the average working class American. The Middle class of America will be hit the hardest by this Health Care-Reform. They will pay the most and not benefit from it as much as those that they will be supporting. One might find themselves asking why the government would do this, why in the midst of an economic recession would they put more strain on America’s already shrinking middle class. Then once you look past the taxes you find even more expenses. In an article written by CNN it is stated that “Those picking a bronze plan, which carry the lowest monthly rates, may have to spend $5,000 or more before the insurance kicks in. The next highest level of coverage, the silver tier, can carry $2,000 deductibles. And once

Obama Care is a controversial issue, it is a health care policy, most people in the U.S disagree with the fact that they are forced to pay an insurance they may, or may not need. Obama Care should be an option to help others who do want insurance and can’t afford it to give them a boost letting them choose a more economic insurance, there should not be a penalty for this who do not want to purchase insurance. The United States is a world where you can choose what people want to be. The government is breaking into our lives forcing Americans to purchase insurance. Americans should not be forced to purchase something they do not wish, it should be freedom of choice and liberty to do with your money and life what you wish.

Obamacare, officially called the Patient Protection and Affordable Care Plan, is reforming the healthcare industry and the American health care system: Even though this reform was developed to give America and more rights and protections within the healthcare system, many are saying it is taking their rights within the healthcare system away. The healthcare reform is said it will help tens of millions who are uninsured but many Americans are seeing Obamacare as a threat related to having the government force them into purchasing insurance or paying a penalty for not having insurance. “The law requires all Americans have health insurance by 2014 (or pay a per month fee for each month without minimum essential coverage). Although this shared responsibility provision is unofficially called an individual mandate, it was ruled to be in fact a tax and not a mandate by the June 28, 2012 Supreme court ruling.” (http://obamacarefacts.com/obamahealthcare-summary/, 2015). A total of 54% of Americans in a recent poll say they are against