Underserved Community: A Case Study

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 idea of affordable healthcare for everyone was exciting to them. However, it did not take very long for people to realize that the promises that had been made were not completely honest.

For the people who were pleased about the law, there was a fulfillment that they would shortly be able to ensure health insurance, could not be excluded for pre-existing circumstances, would not have to battle with expensive medical bills if something disastrous should happen. That was very significant to them – but only if they could have enough money to have the insurance. Like numerous of the other insurance plans that originated before Obamacare, such as Medicaid, there were breaches where people essentially made excessively too much to get inexpensive coverage but did not earn enough money to pay for coverage of their own. That was an

On the webpage “Obamacare Facts” (2013) it had a video explaining how Obamacare worked. Obamacare has two purposes which are to cover more American citizens and add more benefits to American’s healthcare plans. Now this Affordable Care Act comes with “guaranteed coverage, essential benefits, premiums packages and new taxes” (2013). Since healthcare is required there is a punishment if you do not have it, which are penalties you will have to pay. Some people find it way easier for them to pay for the punishment then to actually have full coverage for health insurance. There are also benefits that come in the health care policy that someone was never planning to use or never going to use but they have no choice but to pay for it. The Affordable Care Act allows some monthly cost of insurance to go down for only some people for the rest their bills will increase. Now the reason their cost will increase and others will decrease is because of the federal subsidy. Federal subsidy will not reduce the cost for some American’s but hand their cost of insurance to others. (BCBSNC,

The new health care reform law in America, Obamacare, increases the quality, availability, and affordability of private and public health insurance to 44 million uninsured. It also is working to curb the growth in healthcare spending in the U.S. which has been rising at an unsustainable rate. Obamacare was passed in the senate on December 24, 2009, and passed in the house on March 21, 2010. It was signed into law by President Barack Obama on March 23, 2010, and upheld in the supreme court on June 28, 2012. The concept behind Obamacare was the individual mandate, which requires that most Americans obtain health insurance by the end of 2014 or they will have to pay a tax penalty. This concept was first brought about by The Heritage Foundation as an alternative for the single-payer initiative, “Medicare”. This reform wasn’t proposed or expanded until it was implemented in Massachusetts by Governor Romney. During the 2008 elections, healthcare was a booming subject for the Democratic party.

Through the provisions in this act citizens will be able to receive several benefits including: “the ban on discriminating against individuals with pre-existing conditions, government subsidies for individuals who cannot afford health care, an individual mandate requiring Americans to hold health care unless it violates their religious principles or is excessively expensive even after subsidies, a ban on lifetime limits on essential medical services, and insurance exchanges where citizens can pick amongst a variety of health plans offered by private insurers that must meet certain government criteria for quality and affordability” (Schimmel, 2). Even though this act was passed, it remains highly contested right with only five out of nine Supreme Court judges upholding its constitutionality (Schimmel,

In 2010 Obama signed the Patient Protection and Affordable Care Act which is a piece of reform designed to greatly to expand health care access. Since the Teddy Roosevelt administration there have been ideas on how to provide universal healthcare or a healthcare reform. It was then seen in Henry Truman’s campain where he used it as a platform in 1948 for the Democratic Party. Following that in the 1960’s you have major reforms that were created that we now know of as Medicare or Medicaid which are kind of socialism type of programs that are guaranteeing some type of health insurance for people with low income and also elderly and retirees. Yet even with those types of forms for the overall population in the 21st century the U.S still had

I will compare the current health care system with the new Patient Protection and Affordable Care Act (ACA) that became law on March 23, 2010.   The current system, which is being phased out between 2011 and 2018 is increasingly inaccessible to many poor and lower-middle-class people. About 47 million Americans lack health insurance, an increase of more than two million people from 2005 (Rover, 2011) the increasingly complex warfare between insurers and hospitals over who pays the bills is gobbling up a great deal of money and the end result is that the United States pays roughly twice as much per

President Barack Obama signed the Affordable Care Act, into law on March 23rd 2010. Congress had tried for decades to pass health care reform, beginning with President Franklin Roosevelt. “Following President Obama’s inauguration, he used Democrat control of both the House of Representatives and the Senate to enact health care reform legislation, and granted the federal government control of over 16% of our nations economy” (Taylor 3). The law states that every American citizen is mandated to purchase health insurance. “If you choose not to obtain Health Insurance by January 2014, you will be penalized $95, or 1% of your income-whichever is greater” (Taylor 5). “The penalty rate for non-compliance will

In 2010, President Obama passed the Affordable Healthcare Act, also known as Obama-care. Obama care it self is over twenty thousand pages long, and it may add six point two trillion dollars to the nation’s deficits. This act was made to allow everyone the opportunity to have health insurance, specially people who can not afford insurance on their own. However, instead of helping people afford health insurance, it forces people to buy insurance that might not be affordable for them based on their income. It also makes employers pay for their employee’s health care. That expense is covered by raising the prices of goods and services.

The Affordable Care act was design so that all Americans would have some type of medical coverage, this meant the responsibility of each American to enroll and register themselves or their families, by using the new healthcare marketplace system. The federal government gave the authority to individual states to decide whether to implement the Medicaid expansion, most of the states chose to do so, but most of the business is claimed that it was too much of a financial burden to provide health insurance for all of their employees, most of the employers save money by raising rates employees with families, also this would affect the marketplace in different states, each marketplace has different rates. The implementation of the Affordable Care

Obama care was composed to assist the general public with America’s shameful health care system. The law was passed to reform health coverage as much as could reasonably be expected. The new law primarily affects individuals who pay for health coverage on their own; it strengthens the consumer protection laws in the health care market. Consumer protection laws are requirements that insurance markets must adhere to while selling their insurance; it prevents consumers from being cheated while shopping for health insurance. Another reason behind

One of the pros to Obamacare is it did provide affordable insurance for many people that couldn’t afford insurance before. The way that it did that is it provided subsidies, in other words the government was paying for a decent part of the premium that’s what made it so affordable to a lot of people that couldn’t afford it before. So you can see now that subsidies for low-income Americans. So if the income was below a certain threshold the government would pay or sometimes all the premium and that certainly made it more affordable or accessible for a lot of people that didn’t have access to it before. Pre-existing conditions are covered, so previously if someone had a pre-existing condition and they did not have insurance they couldn’t get insurance because of that pre-existing condition. Now the insurance company has to take those pre-existing conditions.

The Patient Protection and Affordable Care Act, commonly well known as the affordable Care Act or ObamaCare is an U.S. law planned to reform the American health care system. The Affordable Care Act’s main focus is to provide more Americans with affordable health insurance, but when this all began. The Affordable Care Act may have signed by the President Barack Obama but truth is The Affordable Care Act is the result of decades of ideas from both parties. Since 1989 parties have tried to improve this idea that is suppose to help Americans; The Health Security Act was introduces on November 20, 1993 by President Bill Clinton, and the 2006 Massachusetts health care insurance reform law, legally titled An Act Providing Access to Affordable, Quality,

The States also need to provide a marketplace for people who wish to find an insurance company easily. This helped many as “more than 11.5 million people had enrolled in a health plan through one of the insurance marketplaces created by the law” (Levey). American citizens found the aspect of Obamacare to be useful, and they used it to their advantages. The amount of people benefited is drastic, and the health plans in the marketplaces provide the alternative to shopping for higher priced, hard-to-get insurance plans. Going ahead, individuals are required to have insurance, or they will have to pay the “individual mandate”, or a fee. This mandate allows the insurance industry to thrive and it also benefits the people. For one thing, the insurance industry would not be held up as people would “game the system by buying insurance only once they are sick, which of course would affect the whole country” due to lack of insurance funds (Lemieux). Many argue the mandate is unconstitutional, but this is false. Opponents argued that the mandate went against the Constitution as Congress did not have the power to force individuals to buy insurance, or do something they did not wish to do. However, many, such as Chief Justice John G. Roberts Jr., in the case NFIB v. Sebelius, argued that “the penalty imposed on people who do not carry health insurance