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Affordable health care act provisions
Essays on affordable care act future impact
Affordable health care act provisions
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President Barack Obama signed the Patient Protection and Affordable Care Act into law on March 20, 2010. Prior to this mandate, individuals with pre-existing conditions were often unable to attain health care coverage. Controversy surrounded health care reform long before the enactment of the Affordable Care Act. While President Clinton’s administration failed to overhaul our nation’s health care system in 1993 with the Health Security Act, the Affordable Care Act was the most sweeping national reform since President Lyndon Johnson’s Social Security Amendments Act created Medicare and Medicaid. Although this law has faced fierce opposition, the Affordable Care Act will help Americans lead healthier lifestyles, while increasing their financial stability. Under the Affordable Care Act, also known as ObamaCare, insurance companies are no longer allowed to discriminate against individuals with pre-existing health conditions. Uninsured children with pre-existing conditions, such as cancer or diabetes, are now able to access health insurance plans. Not only are insurance companies now unable to reject health insurance plans for children hampered with pre-existing conditions, it is no longer legal for insurers to deny coverage to adults based on their medical history. Before Congress had passed this law, insurance companies were able to charge different prices for health insurance based on the gender or health status of an individual. The Patient Protection and Affordable Care Act, as of 2014, made it possible for every citizen to achieve health coverage, regardless of any previous medical condition (WebMD). ObamaCare has also outlawed annual and lifetime limits that were often used by insurance companies as justification for... ... middle of paper ... ...3/09/23/not-affordable-care-act-avik-roy-editorials-debates/2858175/>. "Substance Abuse & Mental Health Services Administration." New National Strategy Paves Way for Reducing Suicide Deaths. Substances Abuse and Mental Health Services Administration, 10 Sept. 2012. Web. 16 Apr. 2014. . Walsh, Michael. "U.S. Vets Commit Suicide at Alarming Rate: VA Study." NY Daily News. NY Daily News, 2 Feb. 2013. Web. 16 Apr. 2014. . Walton, Alice G. "Why More Americans Suffer From Mental Disorders Than Anyone Else." The Atlantic. Atlantic Media Company, 04 Oct. 2011. Web. 16 Apr. 2014. .
One of the most controversial topics in the United States in recent years has been the route which should be undertaken in overhauling the healthcare system for the millions of Americans who are currently uninsured. It is important to note that the goal of the Affordable Care Act is to make healthcare affordable; it provides low-cost, government-subsidized insurance options through the State Health Insurance Marketplace (Amadeo 1). Our current president, Barack Obama, made it one of his goals to bring healthcare to all Americans through the Patient Protection and Affordable Care Act of 2010. This plan, which has been termed “Obamacare”, has come under scrutiny from many Americans, but has also received a large amount of support in turn for a variety of reasons. Some of these reasons include a decrease in insurance discrimination on the basis of health or gender and affordable healthcare coverage for the millions of uninsured. The opposition to this act has cited increased costs and debt accumulation, a reduction in employer healthcare coverage options, as well as a penalization of those already using private healthcare insurance.
Basu, Moni. "Why Suicide Rate among Veterans May Be More than 22 a Day." CNN. CNN, 14 Nov. 2013. Web.
The topic that I am choosing to do is on Obama Care. I chose this topic because the idea of the government forcing people to obtain insurance is wrong in my eyes. I am interested in analyzing the validity for what has been said about this topic in order to increase my understanding about Obama Care. I am not an expert when it comes to Obama Care. I know that this is an insurance that is being provided through the government for the general public. I have read that President Obama never initially read the whole bill itself. I also know that people who cannot afford it, but make too much money to qualify for Medicaid are being heavily encouraged to get this insurance. Some of the common knowledge that I have found that the general public has about this subject is that some people are for Obama Care and think that it is a wonderful idea and that there are some people that are dead set against Obama Care. Younger adults, specifically college age and individuals that are in their twenties tend to be for Obama Care. The insurance is being forced upon individuals that may or may not want it. It also seems as though that the insurance being offered is pretty generic in terms of coverage. Some of the questions that I have that I believe will aide me in writing this paper would be the following: What are the pros and cons of Obama Care? What are the thoughts of Obama Care with the people of the government? As well as what are the basics of Obama Care?
The Affordable Care Act introduced a plan that would allow Americans with pre-existing conditions to obtain health insurance without the hassle of being turned down or fear of being charged higher premiums. The Pre-Existing Condition Insurance Plan was effective as of July 1, 2010. It allowed patient access to affordable healthcare in which they were previously denied due to their pre-existing condition (Affordable Care Act Summary, n.d.). Patients were required to be uninsured for at least six months before they obtained this form of health insurance. In January 2014, the PCIP plans no longer exist due to funding issues so Amer...
In 2010, President Obama signed into law the Affordable Care Act in order to bring reform to the current healthcare system. The law was designed to provide healthcare coverage for people that did not have access to healthcare, improve the quality of the types of healthcare provided, and contain costs (HHS, 2014). Some of the features of the law are:
Affordable Care Act proclaims to put citizens back in charge of their health ("U.s. department of,"). It puts an end to pre-existing condition exclusions for children. This is a positive benefit because children can no longer be denied or limited insurance due to a pre-existing condition, such as cancer, diabetes, asthma, or cardiac conditions. This will prevent millions of children from being refused insurance when they need it the most. It enables young adults to stay covered longer under their parent’s plans until the age of 26 under certain circumstances. Young adults go off to college, and sadly don’t always feel that insurance is a priority on their limited budgets. This gives them time to finish school while riding on their parents plans to keep them healthy during the college years at a reasonable cost to the parents, which comes with a side of peace of mind that your grown child will have their health taken care of.
The Patient Protection and Affordable Care Act passed by President Barack Obama is a significant change of the American healthcare system since insurance plans programs like Medicare and Medicaid (“Introduction to”). As a result, “It is also one of the most hotly contested, publicly maligned, and politically divisive pieces of legislation the country has ever seen” (“Introduction to”). The Affordable Care Act should be changed because it grants the government too much control over the citizen’s healthcare or the lack of individual freedom to choose affordable health insurance.
In 2010 a law was passed that made Medicaid health insurance available to millions of low-income American households. This law named The Affordable Care Act was created to decrease the price of health insurance, allowing low-income Americans the opportunity to be covered by Medicaid. The Affordable Care Act also was meant to give better health care options and quality to Americans. The Affordable Care Act is more colloquially known as Obama Care because it was President Barack Obama who signed and passed the law in March of 2010.
Health insurance, too many American citizens, is not an option. However, some citizens find it unnecessary. Working in the health care field, I witness the effects of uninsured patients on medical offices. Too often, I see a “self-pay” patient receive care from their doctor and then fail to pay for it. Altogether, their refusal to pay leaves the office at a loss of money and calls for patients to pay extra in covering for the cost of the care the uninsured patient received. One office visit does not seem like too big of an expense, but multiple patients failing to pay for the care they receive adds up. Imagine the hospital bills that patients fail to pay; health services in a hospital are double, sometimes triple, in price at a hospital. It is unfair that paying patients are responsible for covering these unpaid services. Luckily, the Affordable Care Act was passed on March 23, 2010, otherwise known as Obamacare. Obamacare is necessary in America because it calls for all citizens to be health insured, no worrying about pre-existing conditions, and free benefits for men and women’s health.
In March 2010, under the Obama administration, the United States enacted major health-care reform. The Affordable Care Act (ACA) of 2010 expands coverage to the majority of uninsured Americans, through: (a) subsidies aimed at lower-income individuals and families to purchase coverage, (b) a mandate that most Americans obtain insurance or face a penalty,
“Facts and Figures: State Statistics.” afsp.org. American Foundation for Suicide Prevention, n.d. 25 November 2011.
Dokoupil, Tony. A. The "Suicide Epidemic" Newsweek Global 161.19 (2013): 1 Business Source Premier. EBSCO. Web.
The Numbers Count: Mental Disorders in America. Retrieved February 13, 2011, from National Institute of Mental Health: http://www.nimh.nih.gov. Weiten, W., & Lloyd, M. A. a. The adage of the adage of the adage of the Psychology of Applied Modern Life. Canada: Thomson and Wadsworth, Inc.
Kessler, Chiu . et. al."The Numbers Count: Mental Disorders in America."NIMH RSS. National Institute of Mental Health , n.d. Web. 23 Apr. 2014.