Uninsured Population Policy

The U.S. healthcare system is remarkably complex, and even healthcare workers struggle to understand it. The U.S. population gets health coverage by government programs, employers, and private insurance. Notably, because of the complexity and fragmentation of the health care system, there is a percentage of the population that remains uninsured. According to CNN Money, the uninsured rate in the U.S. dropped from 18.2% in 2010 to 10.3% in 2016, this drop was under Affordable Care Act(ACA) (). The goal of the ACA was not to give health coverage to all the uninsured population, rather it was to try to decrease the percentage of the population that remained uninsured(). There is a lot of inequality in the distribution of health among the U.S. population

Large populations of Americans are uninsured mainly because of the high cost of insurance. Majority of the uninsured are the low-income working families’. The adults represent a higher percentage of the uninsured than children. Before the law, you could be denied coverage or treatment because you had been sick in the past, be dropped mid-treatment for making a simple mistake on your application, hence, the Affordable Care Act was implemented into law on March 23, 2010 by President Barrack Obama to make sure that every American irrespective of their status will be insured and have full access to proper health care benefits, rights and protection(1). To understand the

The idea of passing the health care reform was to expand health care coverage, however, in order to do so, many changes must be implemented in order to fulfill the ACA 's promises. The first of which is allowing all individuals to acquire health insurance no matter the age, pre-existing conditions, or other unfair practices. Statistics show that “half of Americas” have a preexisting medical condition in which with the passage of the ACA, it allows individuals to acquire health insurance without the worry of having to pay high insurance bills (Moisse, 2011). The reason why having preexisting health conditions is no longer a factor in acquiring health insurance is because with the passage of the ACA (as discussed earlier, it was made a mandate to acquire health insurance) it is expected that it will balance out economically with the people who require more medical help to their healthier counterparts that do not require as much medical attention (Goodnough, 2016).

However, in states that have not expanded Medicaid, eligibility for adults remains limited, with median eligibility level for parents just 44% of poverty and adults without dependent children ineligible in most cases. Over 3 million poor uninsured adults are in the “coverage gap” because they earn too much to qualify for Medicaid but not enough to qualify for Marketplace premium tax credits

In March of 2010 the Patient Protection and Affordable Care Act was passed. “Without the ACA, the number of uninsured would be 56 million (Congressional Budget Office 2012)”, according to Shi &Singh (2015). The purpose of passing this particular act was to

Since the passage of the Affordable Care Act (ACA) or ‘Obamacare’ in 2010 and its implementation in 2014,there has been a steady decline in the uninsured population of the United States of America. The number of Americans with health insurance, has reached a historic peak. According to recent data from the Census Bureau about health insurance coverage, the number of uninsured Americans fell from 33 million the year prior to ACA implementation to 29 million in 2014.The total uninsured rate dropped by more than 4 percent since the health care law took effect. The ACA has significantly reduced the number of Americans who were not able to acquire health insurance due to poverty, unemployment, or having a pre-existing condition.

The complexity of health care could take the rates on a massive trajectory that does not favor the people covered. Therefore, the financial protection that the levels of health insurance covers, help to guard against the risks related to the unexpected costs of health care. The source of coverage could still have an impact by the insurance coverage and financing alternatives that one has access to; Conversely, private insurance, social insurance, and the national health services are the types of healthcare systems by funding and provision. As we look to health care coverage and the reform of Obamacare, I’ll analyze the impact of the uninsured in the industry and look for a resolution to improve the

The primary social problem that the Affordable Care Act (ACA) was enacted to address was for everyone to have insurance. The goal was to make insurance accessible to everyone and decrease the number of people without health insurance. The most important provisions of the law were preventive care, birth control, and prohibit exclusion of an individual with preexisting conditions, and Medicaid expansion. They addressed these problems by covering all well visits, making birth control free, allowing people with preexisting conditions get the help they need, and expanding Medicaid for the childless adults that are poor. According to Sanger-Katz and Bui (2016), the uninsured rate has gone down but there have been some difficulties with the Medicaid

When President Obama was elected to office, he had campaigned on the promise of healthcare reform, and was rallying the government to deliver on that promise. Despite successes in increasing coverage for certain populations in the 1980’s and 1990’s, there was no substantial and sustainable reduction in the number of uninsured. In a speech during a joint session of Congress (2009), and before the signing of the ACA, Obama argued that a high uninsured rate had an impact on the American people, the healthcare system, and the economy. The symptoms of the 1/7 Americans without uninsured in 2008 were: negative impacts on citizens, manifesting in greater financial insecurity, unreasonable barriers to care, general poor health, and preventable deaths; the healthcare system was burdened with billions of dollars in uncompensated care; the labor force became concerned about insurance coverage when seeking education or entrepreneurship. healthcare costs were rising rapidly, from 13% of the economy devoted to

The vulnerability of the uninsured population originates from that they are less likely to use health care services and have poor health as a result ("The Uninsured ", 2010). Furthermore, the number of the uninsured has constantly increased every year as a reflection of the decrease in the rate of employer-funded insurance. These rates continue to decline regardless of increases in public coverage and the ongoing implementation of the Patient Protection and Affordable Care Act until 2014.

Healthcare is one of the critical problems throughout history and caused an increase in costs. More than 46 million of peoples are uninsured and are dealing with the problem of being uninsured which cause an increase of costs. The lack of people without insurance coverage don’t have access to care and are less likely than those with insurance to receive preventive care and services for major health conditions and chronic diseases. Those without healthcare insurance also face unaffordable medical bills when trying to seek care. Most of the uninsured people are due to being in the low-income working families’ bracket, and family that has an income below 200% of poverty. The proposal is to decrease the number of uninsured through the Affordable Care Act (ACA) and to provide Medicaid coverage to many low-income individuals in states that expand and Marketplace subsidies for individuals below 400% poverty. The resolutions would to examine the appearances of the uninsured people, and summarize the admission and fiscal suggestions of not having coverage and to develop the coverage and to add consumer protections, control healthcare costs, and improve the healthcare delivery system.

I’m sure you have heard many debates, discussions, and opinions about the law ObamaCare. Do you know what this law was implemented for? Do you know why some could support it or want it repealed? Do you realize how much money one could leave the taxpayers to pay for their unpaid medical bills because they could not afford insurance? “ObamaCare, officially called the Patient Protection and Affordable Care Act (PPACA) but more often called the Affordable Care Act (ACA) for short, reforms the health insurance industry and the American health care system as a whole” (ObamaCare Facts). Barack Obama and the Supreme Court ruling in 2012 gave Americans better rights and more protection for access to universal affordable quality healthcare to the uninsured population. ObamaCare was not designed to change the way one gets insurance, but to alleviate the national health care crisis of forty-four million uninsured Americans. I chose to do my research paper over this particular topic because I wanted to learn more information on how the working middle class could obtain insurance for them and/or their families. I also wanted to know how people who are uninsured could have access to ObamaCare and what ObamaCare actually does for the uninsured.

Before the Affordable Care Act, 50.7 million Americans (16.7 percent) were uninsured. The main reason for this was money. The majority of these uninsured American families simply couldn’t afford health insurance and those who did have insurance spent a good chunk of their income to pay for it. The percentage of Americans who were covered by employment-based health insurance (the most popular form of insurance at the time) was the lowest it had been since 1987 when the first statistics on

     Most of the people who are uninsured are the working poor, which the overall costs of medical care can hurt them. By the means of doing their best, these people just can’t afford the insurance. Health care has become increasingly unaffordable for businesses and individuals. (Reese) Premiums grow several

Someone without health coverage are less likely to receive preventative care and therefore more likely to become ill which increases medical costs, [1].