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Current health care issues in the united states essay
Lack of healthcare in united states
State of the American healthcare system
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The Affordable Care Act (a.k.a Obamacare) has been an extremely controversial topic recently. It has sharply divided politicians and the public. Republicans and conservatives want to see it repealed, while Democrats and liberals enthusiastically defend and promote it. The opinion of the American people, however, has been more difficult to gauge. Recently, both politicians and the public have been outraged by the disastrous opening of HealthCare.gov and insurance companies dropping millions of clients. President Obama suffered a major blow both to his credibility and popularity as a result. His promise that people could keep their health insurance if they wanted to turned out to be false. In this paper, I want to examine some of these issues and what they mean for health care reform. Specifically, I want to see how it affects businesses. First of all, why did the healthcare system in this country need reforming? There were tens of millions of Americans without health insurance. The main reason was that it was so expensive. If your employer did not provide it, you had to pay for it yourself or be uninsured. These uninsured people did not have regular access to healthcare, because paying out of pocket, even just for a check-up, was expensive. Another problem was that people with preexisting conditions, or serious medical problems, could not get coverage. These were just some of the problems that existed. That is why the ACA was passed. It ensured that all Americans would be able to afford insurance. It made it illegal for insurance companies to turn away anyone with a preexisting condition. Those who could not afford insurance on their own would receive government subsidies to help pay for it. Under the new law, all businesses... ... middle of paper ... ... Works Cited: “Flaws in the Affordable Care Act.” The Washington Post. 10 Feb. 2014. 2 March 2014. http://www.washingtonpost.com/opinions/diagnosing-the-affordable-care-acts-flaws/2014/02/10/cf7f26ea-91c9-11e3-b3f7-f5107432ca45_story.html Kessler, Glenn. "Is Obamacare a Job Killer?" The Washington Post. 26 Feb. 2014. 12 March 2014. http://www.washingtonpost.com/blogs/fact- checker/wp/2014/02/26/is-obamacare-a-job-killer/ Krugman,Paul. “A General Theory of Obamacare.” The New York Times. 26 Feb. 2014. 12 March 2014. http://krugman.blogs.nytimes.com/2014/02/26/a-general-theory-of-obamacare-fiction/?_php=true&_type=blogs&_r=0 Nather, David. "How Obamacare Affects Businesses Big and Small." ' Politico. 30 Sept. 2013. 12 March 2014. http://www.politico.com/story/2013/09/how-obamacare- affects-businesses-large-and-small-97460.html
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.
...us that there was no incentive to hold down costs. Medical costs went up and insurance went up with it. This left growing numbers of people without access to healthcare. “44 million Americans are uninsured, and eight out of ten of these are workers or their dependents” (Glied) This is fundamentally unfair to a huge number of people, many of them children or the elderly.
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...
By addressing some of the negative factors of the current healthcare system, the Affordable Care Act attempts to reform the broken healthcare system.
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.
If the United States had unlimited funds, the appropriate response to such a high number of mentally ill Americans should naturally be to provide universal coverage that doesn’t discriminate between healthcare and mental healthcare. The United States doesn’t have unlimited funds to provide universal healthcare at this point, but the country does have the ability to stop coverage discrimination. A quarter of the 15.7 million Americans who received mental health care listed themselves as the main payer for the services, according to one survey that looked at those services from 2005 to 2009. 3 Separate research from the same agency found 45 percent of those not receiving mental health care listing cost as a barrier.3 President Obama and the advisors who helped construct The Affordable Care Act recognized the problem that confronts the mentally ill. Mental healthcare had to be more affordable and different measures had to be taken to help patients recover. Although The Affordable Care Act doesn’t provide mentally ill patients will universal coverage, the act has made substantial changes to the options available to them.
For making a comprehensive healthcare reform to work it is necessary to spread the cost of those with high medical needs which can be easily done by mandating the health insurance. A good example of this can be understood by individual mandate done in Massachusetts where it has been very effective and only 2.6 5 of the population is left uninsured.
One reason health care needs reform is people’s current plans being terminated. The ACA regulates and puts pressure on insurance agencies to offer more services to their customers, and
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.
Formerly, the ACA has been controversial in many presidential elections and so no one has ever been entirely successful in materializing the idea of universal health care until the Obama administration in 2010. This fight, for health care reform, can be traced back to1935 when president Franklin Roosevelt unsuccessfully pushed for the implementation of universal health care in congress, followed by more unsuccessful attempts by Harry Truman, John Kennedy, Jimmy Carter, and Bill Clinton.
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.
The Affordable Care Act has been at the center of political debate within the United States for the since current President Barack Obama signed it into law in 2010. The act represents the most significant regulatory healthcare overhaul of the United States healthcare system since the passage of both Medicaid and Medicare collectively Initially, the ACA was enacted with the goals of increasing the availability of affordable health insurance, lowering the uninsured rate by expanding public and private insurance and reducing cost of healthcare for individuals and the government (Robert, 2012). Proponents of the act’s passage have articulated that the ACA provides service for free, such as preventative health coverage for those registered, it requires that insurance companies can no longer deny person’s or children with pre-existing conditions and will close the Medicare “Donut Hole” for prescription drugs. While the Act has the potential to provide better quality of healthcare for the American populace, opponents argue that the ACA is flawed and could create a quagmire of cost and confusion with its implementation. Arguments against it hold the belief that it would force employers with religious affiliation to provide services to employees through their health plans that directly contradict their values. As a result of cost, companies may void out of their employer health insurance and pay a penalty as opposed to pay for employee insurance. Lastly, the act is said to focus more on registration the actually addressing cost of healthcare. While these issues are pertinent, the overall accessibility to healthcare created by the ACA and outweighs the negating arguments.
Health care reform is needed for four reasons. First, health care costs are rising. In 2011, the average cost for a family of four increased 7.3%, to $19,393. By 2030, payroll taxes will only cover 38% of Medicare costs. Second, health care reform is needed to improve the quality of care. Because of these reasons, President Barack Obama signed The Affordable Care Act, also known as ObamaCare, into law on March 23, 2010 and upheld by the Supreme Court on June 28, 2012. The goal is to give more Americans access to affordable, quality health insurance, and to reduce the growth in health care spending in the U.S. The Affordable Care Act contains ten titles that span over 1000 pages, but most of its key provisions are in first Title; The first title is about 140 pages long. The purpose of the law if to expand the affordability, quality, and availability of private and public health insurance through consumer protections, taxes, insurance exchanges, and other reforms.
Therefore, the Affordable Care Act increased access to healthcare. The group that benefited the most was the individuals with pre-existing conditions. Prior to Affordable Care Act, insurance companies had the right to deny the application of those with pre-existing condition like asthma and diabetes. However, with the ACA, insurance companies cannot deny their application and they can’t increase their premium. Another group that had advantages of this new act are the poor people. People who are up to 138% of poverty level or the individuals that make less than $15,854 a year will be eligible for
Health insurance facilitates entry into the health care system. Uninsured people are less likely to receive medical care and more likely to have poor health. Many Americans are foregoing medical care because they cannot afford it, or are struggling to pay their medical bills. “Adults in the US are more likely to go without health care due to cost” (Schoen, Osborn, Squires, Doty, & Pierson, 2010) Many of the currently uninsured or underinsured are forced accept inferior plans with large out-of-pocket costs, or are not be able to afford coverage offered by private health insurers. This lack of adequate coverage makes it difficult for people to get the health care they need and can have a particularly serious impact on a person's health and stability.