Trump Administration Argumentative Essay

In 1954, Congress passed legislation allowing employers to provide health insurance benefits to employees on a tax-free basis (Sih and Singh 99). This legal provision marked the beginning of the rapidly expanding health care costs still apparent today due to the major incentives provided by the government to obtain employer-based health coverage. The overwhelming popularity of employer-based health insurance has led to a serious market inefficiency resulting from the system of third-party payment. As individuals rely on their insurance companies to pay for their medical expenses, this provides

The term “individual mandate,” as a component of the Affordable Care Act, is a mandatory requirement according to which the majority of people in the United States has to have some kind of health insurance. Most specifically, according to the fundamentals of this regulation, any individual who can afford a health insurance policy, but chooses not to do so, will have to pay a fine. Prior to the existence of the individual mandate, health insurance companies had the choice to reject people with health conditions that would potentially incur high costs. Because of this reason, a significant number of people did not have any health coverage. In order to maintain insurance premiums reasonably steady and sustain government cost balanced,

Employers should offer affordable( employee premium less than 9.5% of employee’s wages) and of minimum value( employers must pay at least 60% of insurance cost) healthcare benefits to their employees depending on factors like number of FTE, number of employees receiving premium tax credits and other complex measurements to calculate the amounts. Employers should also notify employees by written about State exchanges, and advise them that if an employee decides to purchase a health Plan through an exchange, they may lose the employers’

(e) Ensuring Free Choice. Workers who cannot afford the coverage provided by their employer may take whatever funds their employer might have contributed to their insurance and use these resources to help purchase a more affordable plan in the new health insurance exchanges.

The individual mandate is a tax penalty for those who do not obtain health insurance. This is a highly controversial aspect of the Affordable Care Act that is currently up for debate. Under the latest version of the GOP tax-reform bill, the individual mandate is up for elimination. Eliminating the individual mandate would ultimately cause healthier people to opt out of health care insurance. This would leave only unhealthy people being the ones who purchase health insurance, which in the long run would lead to higher healthcare costs. By ending the mandate premiums would rise and businesses would possibly shift to high-deductible plans or cut coverage entirely.

The provision I am choosing is the Requirement to buy Insurance and the costs . Everyone does need some type of affordable health care coverage and now a law has been implemented that requires individuals to buy some type of coverage. Health care coverage can be obtained through your employer or through an Insurance exchange that can be affordable for everyone however, if you choose not to buy health coverage or even cannot afford it you have to pay a penalty on your taxes.

According to David Nather’s The New Health Care System: Everything You Need to Know, in 2009, 8% of premiums went to cover the uninsured (pg.38). To alleviate that problem, the Affordable Care Act created the individual mandate, which requires everyone to get health insurance. The idea is that the mandate will force healthy people to get insurance, which will then subsidize the sick and the old. If people do not get insurance, then they will pay a fine to the government. If you cannot afford health insurance then you can apply for an exemption. The new decree does not allow insurance companies to deny coverage and they cannot charge you more if you are sick. The law

The Obama Care employer mandate / employer penalty, originally set to begin in 2014, will be delayed until 2015 / 2016. The Obama Care “employer mandate” is a requirement that all businesses with over 50 full-time equivalent (FTE) employees provide health insurance for their full-time employees, or pay a per month “Employer Shared Responsibility Payment” on their federal tax return (Obama Care Facts, 2014).

The individual mandate, a shared responsibility in the Affordable Care Act, requires all Americans to have health insurance. (42 U.S.C., 2010) This new law highlighted a gap in the Medicaid coverage leaving

In order for this type of coverage to be affordable compliance of a majority is necessary component of ACA. Without an individual mandate a typically healthy person could hold off buying insurance till they became ill. Therefore reducing the total share of people insured and make costs rise considerably.

The Affordable Care Act is one of America’s many insurance plans to attempt to lower costs and provide a wider coverage for citizens all over the country. It is a widely controversial topic in America; especially within the past year. Although there are some people out there who support it, there are also those who base their campaigns on getting it repealed; Donald Trump is a prime example of this. When instituting this policy, Obama had very good intentions, but he was far from fulfilling his intended purpose. Today, the ACA has many flaws that affect Americans both as a whole and individually. Obamacare has raised costs for individuals, contributed even more money to America’s debt, is the complete opposite of what President Obama said it would be, it takes away civil liberties, and puts new standards on patients.

According to the United States Census Bureau, in 2012 the percentage of people without health insurance was of 15.4 percent. The percentage of people covered by employment health insurance was of 54.9 percent or 170.9 million. The percentage of people covered by Medicare was of 15.7 percent or 48.9 million. The percentage of uninsured children under age 18 was of 8.9 percent or 6.6 million (De Navas-Walt, 30). One of the mandates under the ACA is the individual mandate. This mandate requires that most Americans obtain health insurance by March 31, 2014 (“ObamaCare Individual Mandate", n.d.). Another mandate under the ACA is the employer mandate. Under this mandate, the ACA requires “all businesses with over 50 full time equivalent employees to provide health insurance for their full-time employees” ("ObamaCare Employer Mandate", n.d.) The ACA has also created a health insurance exchange also known as the Marketplace. This Marketplace allows the public to shop and compare different insurance plans side-by-side by guaranteeing the best deal as the prices are regulated by this law. Uninsured Americans will be able to get free or low cost health insurance through the State’s Health Insurance Marketplace and Medicaid has been expanded up to 15.9 million men, women and Children below 138% of the poverty level. ("ObamaCare | Health Insurance Exchange", n.d.).

Another issue was the fact the large employers that received self-insurance were progressively giving up health insurance as an employee benefit. They also mandated that only full-time employees would be eligible for the insurance benefit. These issues among others are why advocacy groups and state legislators felt very strongly that some kind of health insurance reform was necessary.

Trump administration is becoming more dominant than others major corporation. However, I believe that the U.S citizens do not have a word of their own opinion. In order to have a voice or an opinion, its must require being very wealthy or own a major corporation. No doubt President Donald Trump is building an Autocracy government for an example in the article "Washington issued a temporary restraining order freezing enforcement of Trump’s immigrant and refugee ban"(1) this shows the example of what kind of power the president have. According to the constitution, Donald Trump is violating the rights of Muslims because of their religion, President Trump has a sensation that all Muslims are bad.

A crucial component of the ACA is the individual and employer mandates. The individual mandate entails that those