Essay on The Need for Healthcare Reform

President Obama signed the Affordable Care Act on March 23, 2010. This law puts in place widespread health insurance reforms that expanded out over the last 4 years and continues to change the lives of many Americans today. Health care reform has been an extensively debated topic for multiple years, and the ACA is the first effective attempt at passing a law aiming to make health care not only affordable, but accessible for all individuals. The law impacts many Americans including, children, employers, government programs which includes federal and state, health plans and private insurers, health care coverage, health care cost, and the quality of care received. The main goal of the law is to expand health care coverage, broaden Medicaid eligibility, minimize and regulate health care cost, and improve the health care delivery system. In order to improve the health care delivery there have been new consumer protections established and an increase access to affordable care.

It is not just the poverty-stricken population that can’t afford insurance. The cost of U.S. health care and insurance is out of reach even for those who do not live in what we technically classify as “poverty”. By the 2003 Federal Poverty Guidelines, released by the U.S. Department of Health and Human services, poverty

Money plays a huge role in access, therefore it is a vital issue to discuss. Within the current system, lack of money results in lack of health care, which leaves thousands of people without any health care coverage. Between 2001 and 2005, the number of people paying for health insurance increased 30%, however income only raised 3% (Health Care Problems). Adequate income is a necessity and unfortunately that is not present. According to the National Conference of State Legislatures, the average annual premium across the country is $16,000. Currently, the average annual income in the United States is $51,107. Mint Money Management suggests that about 4-6% of one’s total income should be spent on insurance, including life, disability, and health insurance. However, the averages in the United States show that the average person spends about 31% of their income on health insurance, which is not financially beneficial. When this rise in health insurance is not parallel to the inflation of income, innocent people are left without a method to achieve health care. There is a program for those who can’t afford health insurance out of pocket nor have access to it, and that is called Medicaid. Issues still exist with the program. There is only so much funding, which leaves many still uninsured. Additionally, people with Medicaid have difficulty

The U.S. health care system faces challenges that indicate that the people urgently need to be reform. Attention has rightly focused on the approximately 46 million Americans who are uninsured, and on the many insured Americans who face rapid increases in premiums and out-of-pocket costs. As Congress and the Obama administration consider ways to invest new funds to reduce the number of Americans without insurance coverage, we must simultaneously address shortfalls in the quality and efficiency of care that lead to higher costs and to poor health outcomes. To do otherwise casts doubt on the feasibility and sustainability of coverage expansions and also ensures that our current health care system will continue to have large gaps even for those with access to insurance coverage.

A powerful force for change can be created by embracing transparency. According to the Department of Health and Human Services, “transparency is a broad-scale initiative enabling consumers to compare quality and the price of health care services so they can make their own informative choices among doctors and hospitals. This initiative is laying the foundation for pooling and analyzing information about procedures, hospitals and physicians services. In order to create value driven health care, there are four steps to turn raw data into

LEADER’S EFFECTIVENESS USING UTILITARIANISM AS THE ETHICAL DECISION-MAKING APPROACH IN REGARD TO THE HEALTHCARE CHALLENGES SET FORTH BY THE PROTECTION AND AFFORDABLE CARE ACT OF 2010

The Affordable Care Act was into law March 2010. The law has planned to make wide-range of changes to healthcare in the United States. The Affordable Care Act efforts to offer universal right to use to healthcare for Americans, control the rising costs of healthcare, adjust the private insurance industry complete things like state-based private exchanges and online marketplace that brings together state-approved insurance plans from multiple companies so consumers can shop for individual insurance plans, improve the quality of healthcare and make healthcare choices more consumer friendly and easier to understand (Medical Mutual,2017). Healthcare reform involves nearly all Americans from old or young,

Health care reform has been a “hot” topic for decades now. In 2010, Obama signed into law, the Affordable Care Act (ACA) or more commonly known as Obamacare. In short, the goal was to provide more Americans with affordable quality health insurance and decrease the cost of health care spending. Everyone is guaranteed (required) health insurance or pay a penalty.

Since the implementation of the Affordable Care Act (ACA) in 2010, there has been a continuous debate about the effects it will have on the United States economy. Many people argue that expanding insurance coverage for all people will create crippling cost burdens for the economy and taxpayers. While others believe that the ACA will in fact give the economy a much-needed boost. In 2006 as a measure to improve overall healthcare, the state of Massachusetts implemented the Health Care Insurance Reform Act. This paper looks at the positive and negative effects of the Massachusetts Health Care Insurance Reform Act (MHRA). Using a literature review of public health studies ranging from 2009-2012, I argue that there are both positive and negative effects of the Massachusetts Health Care Insurance Reform. While the Massachusetts Reform increased health insurance coverage for all citizens and decreased the number of uninsured citizens accessing emergency rooms, it also did very little to decrease already existing racial, ethnic, and socioeconomic disparities among minorities and whites in the state of Massachusetts. Understanding the Massachusetts Health Care Insurance Reform Act may help in the goal of trying to achieve near-universal healthcare. This paper provides an understanding of the missing pieces in the Massachusetts Health Care Insurance Reform Act and constitutes a starting place from which to understand the Affordable Care Act.

The rising cost of health care has led companies to stop offering health insurance for employees, and private insurance is often too expensive for people to afford. Many families make too much money to qualify for Medicaid, but are unable to pay for private health insurance. Health care costs in the United States have more than doubled in the last twenty years. Insurance premiums are rising five times faster than wages, and Americans are spending more money on health care than people in any other country. The average amount one person pays per year for health care in the United States is 134 times higher than the average of other industrialized countries (“Health Care Issues”). Even people who have insurance aren’t guaranteed coverage. Many insurance companies find loopholes to avoid paying for expensive medical treatment, leaving people with massive debt from medical bills. Medical bills and illness cause over half of all personal bankruptcies in the United

In March 23. 2010 the Health Care Reform law, also known as the “Affordable Care Act” was signed to enhance help for the United States health care system. This law is meant to “provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes”. Although this is the most recent act to help the health care system, this effort to reform the system has been in action for many years with many failed attempts to succeed.

U.S. health care reform is currently one of the most heavily discussed topics in health discourse and politics. After former President Clinton’s failed attempt at health care reform in the mid-1990s, the Bush administration showed no serious efforts at achieving universal health coverage for the millions of uninsured Americans. With Barack Obama as the current U.S. President, health care reform is once again a top priority. President Obama has made a promise to “provide affordable, comprehensive, and portable health coverage for all Americans…” by the end of his first term (Barackobama.com). The heated debate between the two major political parties over health care reform revolves around how to pay for it and more importantly, whether it

In the 2000’s health care costs began to rise again after having risen at “double the rate of inflation,” in the 1990’s, it left 44 million Americans with no coverage. Between other costs of living like, childcare, food, housing, and rising costs of healthcare, some struggling low-income families were forced to choose between one of those necessities or paying for their healthcare. A study by CNBC showed that the main reason for bankruptcy in the US is medical expenses. The high costs of health care made access to quality health care a luxury only the wealthy could afford.

Healthcare spending is in a crisis in our country, one that contributes to excessive financial stress and insecurity of numerous individuals today (Komisar, 2013). Healthcare costs are a growing burden for all, especially middle-class individuals in the United States (Komisar, 2013). Hard-working families are struggling to cope with high insurance premiums and higher out-of-pocket medical expenses, all while being provided less services in return (Komisar, 2013). According to Komisar (2015), one in five people experience problems in paying for medical bills and experience serious financial stress paying for other necessities for their families. In our country, wages have not been able to keep up with the rising costs of health care, and as a result, health insurance premiums are “crowding out other important priorities for workers, such as saving for retirement or for their children’s college education” (Komisar, 2013, p. 3).

The rise of health care is affecting everyone. Many working class people can not afford insurance. 27 million working Americans are without insurance coverage due to the high cost of premiums. The United States spends $100 billion on health care for uninsured each year. Of those who can not afford health care 1.8 million work in health care. Two million people avoid medical care due to high cost. The yearly cost of health insurance premiums is $11,500 nearly a quarter of the average house hold income. (Smith 2007)