Affordable Care Act Analysis

Introduction
According to Rak, (2013), Affordable Care Act happens to be a federal statute in the United States which was passed in the United States congress. This act was marked into law on 23rd March in 2010 by the former US President Barack Obama. This public act was designed with the aim of increasing the quality of health insurance and making it affordable. More so, it reduces the cost of accessing health care and reducing the number of the uninsured people. The new health care law was meant to reform issues of healthcare in America.
This article will focus on the issue of inability to access healthcare by various people in the society. Studies have shown that over many years, the less privileged people have not been in a position

to access quality and affordable healthcare (Sommers & Kronick, 2013). To address the issue, the Bill need to stretch more and come up with strategies to cover even those who they find not capable of paying high amounts for their health insurance services. The bill also needs to increase the demand for health care even to the people who don't have a stable flow of income.
Affordable Care Act as per studies of Blumenthal & Collins, (2014) has been known to offer some several new protection of the "Patients' Bill of Rights." It has enabled better choosing of doctors, making sure that there are no policies which are canceled unfairly, enhancing preventive services, ensuring coverage of health insurance to all people. The bill has addressed impossible burden that has faced the elderly and the disabled. The act has worked to incorporate the elderly and those who are disabled since they do not have a good flow of income to manage to pay the insurance services.

History and background
Before Affordable Care Act was implemented, only fifteen percent of the people were in a position to purchase the insurance directly. About 46 million people did not have access to the insurance services all round the year. This healthcare reform was laid out in order to protect the patients and more so increase the number of people who would access affordable health insurance. Some of the objectives of Affordable Care Act are to increase the purchasing power of health care services. Secondly, it is to subsidize the coverage of people who cannot afford to sustain themselves in the program. It strives to cover young adults who are not employed and also those who are employed but earn less which is not enough to sustain them in the insurance.
Families and individuals who have been associated with being uninsured have been linked with a fate of loss in income. This is what triggered poor access to healthcare through insurance. In the long run, many people who lost income and cannot afford an insured healthcare resulted to a weak community which does not have any strength to work (Decker et al., 2013). This has always resulted in poor living standards because of the deteriorated economy in the community. The reason why the uninsured has been facing a challenge to access healthcare is that uninsured services are always associated with high prices charges in the health care institutions. Some of the amounts are not affordable by people of the lower class. For this reason, poor people have always existed in weak health since they do not get the treatments and medications required.
The Affordable Care Act is meant to set national standards on how national health issues is priced and structured and also looks at the new requirements needed by low-income earners.

Affordable Care Act makes the health coverage services more secure and reliable for the people who are eligible to have it.
Outcomes
Abrams & Nuzum, (2015) argues that the rationale of Affordable Care Act has been ensuring the health insurance become more reasonably priced for those who have no and little exposure of health insurance. The new act was put in place to assist people who were not in insurance benefits plans. The act has been seen to have a big impact on the insurance costs which has been affecting those who have been uninsured.
There has been studied of an estimate of about thirty million people who have gained insurance services through the Act. The individual insurance has worked to prohibit insurers from refusing full coverage to individuals because of their pre-existing conditions of not being able to have a flow of income which will sustain their program. There have been exemptions for people who have been facing financial hardships to facilitate them be in a position to access the insurance services (Gunja, Finegold & Musco, 2015). This has enabled incorporate many people in the program and offers extensive

services.
Recommendation
Improving Medicaid for the low-income earners- The increase of medical coverage for the low-income earners will increase access to quality health care services which are affordable. In the long run, it will lead to a healthy population which will be more productive hence stabilize the economy. Accommodating low-income earners will be facilitated by bringing in some waivers during registration so as to encourage enrollment of those earning less in the community. Individuals do not need to be discouraged from look for or enquiring about the kind of medical services they need to connect with (Beronio, 2013).
Improving Medicaid payment rates- the payment for the insurance services need to be made sufficient. This will ensure adequate provider participation for a healthy society. Additionally, the beneficiaries in the insurance companies need actual access to the available healthcare institutions and not only a mere guarantee of health coverage. Beneficiaries need to be equipped with the law which will fight for the rights of the less privileged who are most of the times discriminated (Croft & Parish, 2013).
Assisting middle-income and moderate uninsured individuals and families- as much as the insurance programs have tried to accommodate the low-income earners, it has been a challenge to many up to date. There have been seen to have some costly costs in the insurance coverage. There is need for assistance of the people who seem to have a lot of challenges despite the waivers that have been put in place (Decker et al., 2013).
Increase credits for middle-class and moderate-income earners- if the low-income earners can be given a combined fixed-dollar and an adjusted tax credit in connection to ACA's income-based tax credits. This would make the low-income earners without the employee coverage at least be entitled to a fixed dollar credit ((Gunja, Finegold & Musco, 2015).
Making ACA healthcare affordable- the bill need to make it affordable for the healthcare services to offer affordable out of pocket spending. Higher costs of health services are what put people who have not insured away from accessing affordable healthcare services (Kenney & Epstein, 2014). To retain the people who are paying the insurance services, the bill needs to moderate costs so that everyone can be in a position to access it.
Conclusion
By Affordable Care Act driving quite a large number of people who are uninsured, it has assisted them to be in a position to control costs for everyone.

This has been achieved although there is a need for the use of some more recommendations so as to make the bill efficient. The acts have been seen to give individuals and families some peace of mind when they know that there is a way out when one is sick at any time. The act has been striving to accommodate the low income and moderate earners to have financial protection when one faces severe illness. Another outcome of the act has been studied to be that one can hang under their parent's plan in anticipation when one turns

26.
This kind of an insurance act does not discriminate whether one is a male or female. The acts too have also been seen to offer moderate standards for everyone despite the amount of the payments one makes for the insurance. After the recommendations are exercised, most people will be in a position to see quite tremendous changes in accessing health care services no matter the level of their employment and the kind of income they earn.