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The Patient Protection And Affordable Care Act Essay

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Problem: The Patient Protection and Affordable Care Act (ACA) leaves coverage gaps for millions of Americans. The ACA focuses on individuals without insurance, but in the meantime, increases the spread in those underinsured. Before the ACA the number of adults underinsured age 19-64 in 2010 was, 16 percent, or 29 million (The New Health Care). New estimates in 2014 indicate that 23 percent of adults 19-64 who were insured, or 31 million, had such high out-of-pocket costs or deductibles relative to their incomes that they were underinsured (The Problem of Underinsurance). “The share of continuously insured adults with high deductibles has tripled, rising from 3 percent in 2003 to 11 percent in 2014. Half (51%) of underinsured adults reported problems with medical bills or debt and more than two of five (44%) reported not getting needed care because of cost” (The Problem of Underinsurance). The goals of the ACA are accessibility and affordability to healthcare coverage and treatment, so why has the number of underinsured increased? Landscape: The marketplace plans available through the ACA or Obamacare programs are divided into four levels: bronze, silver, gold, and platinum. The bronze plan being the most affordable, with the least coverage, and the platinum plans being the least affordable, with the most coverage. The number of underinsured has increased due to this division in health coverage. However, the number of individuals who are uninsured has deceased, because these
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