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Important elements of the Affordable Care Act
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The Affordable Care Act explained
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As of 2014, all Americans are required to have healthcare insurance and there are many people who do not agree with paying for health care insurance. However, I believe that The Affordable Care Act should remain available and required for everyone who either does not think that they need it or if there are others who feel that they do need the care. There are so many benefits on receiving health care insurance as well as some downsides. The Affordable Care Act was signed and passed by President Obama on March 23, 2010. According to “FamiliesUSA”, three in ten adults were uninsured during 2012 and that is about 55 million people uninsured. (“New Results from National Health…”) The beginning of 2014 is when everyone in the country started being required health care. The Affordable Care Act has made the rule of 80/20 which means that insurance companies have to cover at least 80 percent of the cost for a patients care, and the rest of the 20 percent would go to profits and other costs. However, the Affordable Care Act can have higher costs for some people. Some people have had to pay more than their previous plans of private healthcare. According to Kaiser Family Foundation, 39 percent of people ended up paying more with the ACA. Although, as …show more content…
Health care can benefit everyone and their different income values. Health care should be required and the risk of spending on insurance should be taken even if many Americans believe they do not need health insurance. There are always possibilities of emergencies occurring and in need of insurance for the high costs of medical care. I personally believe and argued my opinion that health care needs to be required for everyone. To conclude my argument, I have argued that there are more benefits to have healthcare insurance required and that everyone in America deserves a happy and healthy
The aim of affordable care act (ACA) was to extend health insurance coverage to around 15% of US population who lack it. These include people with no coverage from their employers and don’t have coverage by US health programs like Medicaid (Retrieved from, https://www.healthcare.gov/glossary/affordable-care-act/). To achieve this, the law required all Americans to have health insurance which is a reason of controversy because, it was inappropriate intrusion of government into the massive health care industry and insult to personal liberty. To make health care more affordable subsidies are offered and the cost of the insurance was supposed to be reduced by bringing younger, healthier people to the health insurance system. This could be controversial, if older, sicker people who need the coverage most enter the market but younger group decline to do so. The insurance pool will be unbalanced and the cost of coverage will rise correspondingly.
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?
I am terribly ashamed to admit that prior to this class I really did not have a position on the Affordable Care Act (ACA). I simply ignored what was going on because I had insurance through my employer and I didn’t feel like the ACA would have that much bearing on my life. I was aware of some of the positive and negative aspects but had not really given it all a lot of thought. The one thing that did intrigue and interest me was the potential for Medicaid expansion. This was both exciting and troublesome because my job is totally structured around people who qualify for Medicaid. Increasing the rosters would have had a drastic effect on what I do and would have meant tremendous growth for my business but since Tennessee opted not to expand
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.
Access to healthcare provides financial stability by assuring people that they will not be financially destroyed by injury or illness. Additionally, when people can afford regular medical care they tend to avoid chronic problems and financial stress. In a study provided by the American Medical Students Association, researchers reviewed the costs and benefits of universal health care. They came to the conclusion, after reviewing other articles and statistics from multiple sources, that, “The annual cost of diminished health and shorter life spans of Americans without insurance is $65-$130 billion.” (Chua 5) This comes from people not having adequate health care and then losing their jobs because they...
There is an ongoing debate on the topic of how to fix the health care system in America. Some believe that there should be a Single Payer system that ensures all health care costs are covered by the government, and the people that want a Public Option system believe that there should be no government interference with paying for individual’s health care costs. In 1993, President Bill Clinton introduced the Health Security Act. Its goal was to provide universal health care for America. There was a lot of controversy throughout the nation whether this Act was going in the right direction, and in 1994, the Act died. Since then there have been multiple other attempts to fix the health care situation, but those attempts have not succeeded. The Affordable Care Act was passed in the senate on December 24, 2009, and passed in the house on March 21, 2010. President Obama signed it into law on March 23 (Obamacare Facts). This indeed was a step forward to end the debate about health care, and began to establish the middle ground for people in America. In order for America to stay on track to rebuild the health care system, we need to keep going in the same direction and expand our horizons by keeping and adding on to the Affordable Care Act so every citizen is content.
Obamacare is necessary in America because it calls for all citizens to have health insurance. To understand Obamacare, health insurance, in general, must be understood. It can be defined as “coverage for medicine, visits to the doctor or emergency room, hospital stays, and other medical expenses” (health). Every insurance policy is different; different plans call for different coverage, different co-payments, and different treatment options according to Investor Words. However, until the Obamacare law was passed, millions of Americans were uninsured. In summary, Obamacare mandates that all Americans have health insurance while offering the in...
In recent years, the number of Americans who are uninsured has reached over 45 million citizens, with millions more who only have the very basic of insurance, effectively under insured. With the growing budget cuts to medicaid and the decreasing amount of employers cutting back on their health insurance options, more and more americans are put into positions with poor health care or no access to it at all. At the heart of the issue stems two roots, one concerning the morality of universal health care and the other concerning the economic effects. Many believe that health care reform at a national level is impossible or impractical, and so for too long now our citizens have stood by as our flawed health-care system has transformed into an unfixable mess. The good that universal healthcare would bring to our nation far outweighs the bad, however, so, sooner rather than later, it is important for us to strive towards a society where all people have access to healthcare.
Many changes in health care insurance have been made to increase the amount of individuals with health insurance coverage. The Affordable Care Act (ACA) was enacted in 2010 in efforts to help solve some of the biggest issues that Americans faced with health care and its availability (The White House, 2016). As of today, more than 9 out of 10 Americans have health insurance (The White House, 2016). This means that 20 million people have gained health insurance since the ACA was enacted (The White House, 2016).
Health Insurance is one of the nations top problems, the cost is rising for premiums, and many businesses just cannot afford it. As Americans many of us have the luxury of health insurance, but far too many of us have to go without it. This is something that always seems to brought up at congressional debates, but little is done about it. “In 2013 there were 41 million people reported with out health insurance coverage, this is too many considering those people probably were sick at some point through out the year, and they couldn’t afford treatment.” We need to find someway to make sure that every citizen of the United States is able to have affordable healthcare for themselves, and their families.
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,
It is essential for the United States government to provide its entire citizen with a free health care. This system ensures that everyone has an access to medical services regardless to his or her social status. It is an important way of preserving life as free health care plan ensures free treatment to the entire citizen. In addition, it can play a big role of ensuring that there is an improved access to health services. Ensuring that all American citizens have an access to the right health care will in turn decrease health care costs. It can also help to stop medical bankruptcies in the entire nation. Lastly, it is one way of reducing poverty as it will lower the debt of the US which would then increase employment.
Ans 1) To mandate the insurance or not is a big question to be answered and still there are a lot of problems associated with mandating the Health Insurance in United States. A lot of views have been given by people regarding whether there is need of mandating the Health Insurance or not.
More than one-third of Americans who are between the ages of nineteen and twenty-four are uninsured. This is because most insurance is provided through a person’s job, and entry-level jobs which isn 't available for all young students. In addition, healthcare costs are currently rising faster than inflation, which means that salary increases cannot compensate for the higher prices of health care. Government regulation and a universal system could help keep costs affordable. A universal system would guarantee that everyone could receive health care regardless of preexisting conditions. Consequently, more people would be able to seek preventative services, like checkups, to maintain good health and detect problems early. Too frequently, people avoid taking preventative health measures until something is too late because of how expensive it is. While there 's a debate over how the U.S. should pay for a universal healthcare system, a good idea is to study the ways several other countries have successfully implemented such a system. Europe has a system in which all residents pay into a common fund that creates a pool of money and provides benefits to all. We must figure out a way to effectively adopt a universal healthcare system that provides care to all
Less than a quarter of uninsured Americans believe the Affordable Care Act is a good idea. According to experts, more than 87 million Americans could lose their current health care plan under the Affordable Care Act. This seems to provide enough evidence that the Affordable Care Act is doing the exact opposite of what Democrats promised it would do. On the other hand, this law includes the largest health care tax cut in history for middle class families, helping to make insurance much more affordable for millions of families. The Affordable Care Act has been widely discussed and debated, but remains widely misunderstood.