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Policy Analysis of the Affordable Care Act
Important and specific components of the Affordable Care Act
Strengths and weaknesses of the Affordable Care Act
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The case of King v. Burwell was based on an interpretation of the premium tax credits associated with the implementation of the Affordable Care Act. The suit claimed that only people participating in the state-run health care exchanges qualified for the tax credits according to the new health care statutes. Upon review by the United States Supreme Court, that claim and subsequent petition were rejected with the reason being that the case's understanding of the requirements for the premium tax credits was incorrect and the statute could stand as it is.
The King v. Burwell Decision and the Affordable Care Act
The Affordable Care Act allows individuals and families to enroll in health coverage either through federal or state exchanges, depending on what a specific
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state has chosen. Some individuals qualify for a premium tax credit if they purchase their health insurance through an exchange if their employer does not offer an insurance option and they meet certain income and tax filing criteria. As an individual mandate, the Affordable Care Act is boon for employees with limited access to healthcare, but there are possible financial implications to the employer.
Employers who do not offer an employee healthcare can leave them open to a different type of financial responsibility. Employees who qualify for a premium tax credit, in turn qualify their employers for a provision called the Employer Shared Responsibility.
This provision requires employers who have employees who qualify for the premium tax credits, and subsequently do not offer their own healthcare alternative, to share in the financial responsibility of paying for the insurance of the employee(s) in question.
Tax Credits
Employees
In order to obtain a premium tax credit, very specific criteria must be met. All of the following requirements are needed to qualify for a premium tax credit:
Health insurance must be purchased through the Federal or State Exchange
Minimal, affordable health insurance is not offered through an employer
Income falls within specific limits
Do not file tax returns under a Married Filing Separately form (unless special circumstances allow this)
Employee is not a dependent on another person's tax
return Employers The premium tax credits effect employers by requiring their participation in the Employer Shared Responsibility Provision. An employer is required to participate in this provision if: The employer employs at least 50 full-time employees or the equivalent counting both full and part-time workers The employer chooses not to offer a health insurance option that meets at least minimum coverage requirements and/or is affordable to employees At least one employee qualifies for a premium tax credit Tax Reporting Requirements Healthcare regulations require that an employer report the health coverage of each employee each year. This involves divulging records of coverage offered and proof that minimum coverage standards are met. All employee coverage records are subject to these regulations, including full-time, part-time, seasonal, and any employee that worked for any period during that calendar year even if they are no longer employed by the company.
Doris Reed bought a house for $76,000.00 from Robert King. Mr. King and his real estate agent failed to disclose to Mrs. Reed that a murder had taken place in the home ten years ago. Neighbors told Mrs. Reed about the murders and the stigma associated with the house after she moved in. The property appraised in the amount of $65,000.00 with reference to the history of the house. Reed sued King on allegations of misrepresentation for the purchase of the home seeking rescission and damages to terminate the contact.
In 1989, plaintiff Joseph Benning was cited for a violation of § 1256 for operating a motorcycle without wearing approved headgear in Caledonia County, Vermont. The statue states that “No person may operate or ride upon a motorcycle upon a highway unless he wears upon his head protective headgear reflectorized in part and of a type approved by the commissioner.1 The headgear shall be equipped with either a neck or chin strap.1” The County State’s Attorney dismissed the citation because he deemed the statue vague and unable to establish the elements necessary to prosecute the crime.1 However, the plaintiffs filed suit against the state, seeking to have § 1256 declared unconstitutional.
At one time because of being a part time student and employee, I could not get insurance though my parents, my work, or my school. I was not eligible for Medicaid, and found the cost of private insurance was completely out of my budget.
...gain ruled in favor of the Establishment Clause. These cases include Murray v. Baltimore School Board, Epperson v. Arkansas, and Stone v. Graham. It also set the grounds for the case, Lemon v. Kurtzman, which set up the “Lemon Test” for deciding if a religious function is Constitutional or not.
As I said earlier there are a number of ways to get Health care. The problem is are they affordable? Well this depends on you annual income and living status. There are a number of private insurance programs such as Blue Cross Blue Shield, but many of these private insurance programs are usually policies that are through employers (Macionis, p 245). This is a problem however because only eighty-five percent of employed people receive health insura...
The current state of affairs in the development of health policy in the United States is that it is constantly in flux and its implementation is disorganized and inefficient. As was the case with the recently passed Affordable Care Act legislation, political and lobbying interests often intersect in a manner that makes meaningful, most appropriate changes unlikely. The ACA kept in place the fractured nature of American health care and insurance, and appears to have benefited insurance companies by increasing enrollments rather than making the care provided better on a large scale. The majority of the plans on the created exchanges, up to 87%, are funded by federal subsidies (Blumenthal, Abrams, & Nuzum, 2015). These plans must cover individuals regardless of pre-existing conditions. The burden of the cost of insurance shifted to tax-payers and the young/healthy who are now overly burdened with mandatory coverage that they may or may not need in
insurance coverage is important and can be obtained through government sources, employer benefit programs, or private providers.)
Then came the question, should the employer be the one responsible for providing health insurance. While everyone on the panel could agree that our health care system in 2008 was broken, most seemed opposed to the alternative solution of universal healthcare. There is an incentive to the company to offer health insurance to a human being that may receive the opportunity to receive health insurance from another company. However, taking health insurance responsibility away from the employer and making it the government’s responsibility would increase availability and possibly eliminate freedom of
The Affordable Care Act (ACA) or ObamaCare as it is widely known, has been a controversial political debate since day one. The Republicans have tried over 50 times to repeal it, to no avail. Like any other bill, there are good sides and negative consequences to it. People can go to healthcare.gov to sign up for insurance under the ACA. There is a plethora of information on the site about what should be covered, who has to participate, who can be exempt, where to get healthcare, why you should have insurance, and how to get it, along with a lot of other information under the Topic selection at the top of the screen. While there is a lot to go through and understand, the ACA still remains widely misunderstood for millions of Americans.
Most people rely on their employers to provide them with health insurance, but with many health care is not available through the employers. Many small businesses can simply not afford the high cost of health care, or it may be available, but the employee needs to pay the entire premiums. A lot of employers are utilizing part time employees, the part time employees are usually not qualified for benefits, like health insurance. This is very unfortunate for these part timer’s not only because they will not get benefits such as health insurance, but also they probably have a slim chance of going full time because of the health insurance dilemma. Business owner’s need to assess what is good for them financially, and having plenty of part time employees who do not require insurance is probably the most cost effective method to keep the Business up and running.
(c) a requirement that firms with over 50 employees offer coverage or pay a penalty, (d) a major expansion of Medicaid, and (d) regulating health insurers by requiring that they provide and maintain coverage to all applicants and not charge more for those with a history of illness, as well as requiring community rating, guaranteed issue, non-discrimination for pre-existing conditions, and conforming to a spec...
Citizens do not have health insurance for a number of reason but the main reason is the cost. Private insurance is costly for an individual person and family. Health insurance provided by employers for larger companies of more than 50 employees. Depending on the package and company that the employer has provided the cost for individual or family may be reasonable. Each state provides a state-funded Medicaid insurance plan.
The Affordable Care Act, more commonly known as Obamacare, is a new health policy created by the American federal government. Its purpose is to make healthcare more affordable and friendly for the people. Unfortunately in some way that does not prove to be the case. It is becoming apparent that Obama may have made some misleading statements to help get the ACA put into action. The ACA is sprinkled with many flaws that call for a reform such as people’s current plans being terminated, high costs, and at minimum some people’s hours being cut by their employers.
In 2010 President Barack Obama signed into law the Affordable Care Act. It was created to reform the healthcare policies in the United States. Gable (2011) states that the range of ACA provisions designed to expand insurance coverage, control costs, and target prevention has the potential to improve population-level outcomes across all income groups. He further states that by establishing a legal infrastructure that seeks to achieve universal health insurance coverage in the United States, that the ACA targets some of the major barriers to accessing healthcare for millions of Americans (Gable, 2011). One of the major components of the Affordable Care Act is health insurance being available to all U.S. citizens. The Affordable Care Act (2010) states that for Americans who have insurance that they like, they can continue to carry their current insurance but for those who are uninsured they will be able to choose insurance cover...
Health insurance is available from several sources. Private health insurance is provided by private companies. Subscribers pay health insurance companies a monthly fee for health insurance. In return, the company agrees to pay the doctor and hospital costs if the subscriber gets sick. There are different levels of coverage that a subscriber can purchase, but the cost of a health insurance policy is also set by the amount of risk the subscriber is willing to take. The more expense the subscriber is willing to pay, as either deductible or co-payment, the less the insurance company will charge for the insurance. Some Americans purchase their own health insurance, but most employers pay for the health insurance of its workers. Often this insurance