A Brief Note On The Affordable Care Act Essay

A Brief Note On The Affordable Care Act Essay

Length: 1149 words (3.3 double-spaced pages)

Rating: Better Essays

Open Document

Essay Preview

Since Pennsylvania has expanded Medicaid under the Affordable Care Act (ACA), the number of uninsured as decreased from 11% to 10.3% according to the US Department of Health and Human Services. But, people are still struggling and hesitant because of the high premium costs. How can the state of PA help those in need of insurance to lower their premiums while continuing to receive great medical care?
To alleviate the problem, states like New York and Minnesota have followed the recommendations of the Centers for Medicare and Medicaid Services (CMS) to implement the Basic Health Program (BHP). The objective is to expand coverage to consumers in that group making more than 138% FPL but less than 200% FPL. The cost of premiums makes it a challenge for this group mostly between 35-54 year old to keep or obtain coverage for health insurance.
The state of PA needs to provide subsidies, increase financial grants to assist with medical coverage. By doing so, it will reduce the financial burden on the both consumers and providers, the latter not having to carry a huge loss for unpaid services.

Problem statement
Under the newly Affordable Care Act (ACA) program in effect in PA since 2015, and the change in the eligibility requirements of the Insurance marketplace, individuals are required to obtain insurance coverage either through their employer, Medicaid or buy it in the Marketplace insurance program. Although there has been an expansion of the Medicaid to include a broader number of beneficiaries, those who do not qualify, face the challenge of finding coverage through the Marketplace. How can an individual let alone a family afford medical coverage on an already low income?
Pennsylvania (PA) is one of the most populated stat...

... middle of paper ...

...P style like the New York State will be the recommendation as the most viable option for PA. The reason is that it retains people not poor enough to be Medicaid eligible and not making enough to be able to afford the high premiums. By not addressing the high premiums in a population that is already struggling to maintain the bare necessities, the risk of people choosing to be uninsured will increase leading to the financial burden for the state.
In conclusion, the inability of a group that comprise a big portion of the working population to pay for their premium and having to make the difficult choice of taking care of their basic needs should not be overlooked. The objective of the government should be to implement the BHP for the PA constituents who would benefit from it and create incentives to promote healthy choices with a focus on preventive services.

Need Writing Help?

Get feedback on grammar, clarity, concision and logic instantly.

Check your paper »

Essay on A Brief Note On The Patient Affordable Care Act

- According to the Patient Affordable Care Act (ACA), it was required of most individuals to have insurance coverage by 2014, or will be mandated to pay financial tax penalty. Under this legislation, 17 million Americans received health insurance coverage by early 2015, more than 8 million received premium from subsidies to counterbalance the cost of their private coverage and 6.5 million individuals who were uninsured gained coverage through Medicaid (Norris, 2015). To diminish the cost of insurance coverage for uninsured individuals or people with low - incomes, the government has allowed states to expand their coverages by implementing a program called Basic Health Program (BHP) to provide...   [tags: Health insurance, Health care, Health economics]

Better Essays
716 words (2 pages)

A Brief Note On Health And Health Care Essay

- Name__________________________ Intro to Health Sciences: FINAL EXAM 1. Provide 3 examples from class readings and/or lectures of evidence that race is liked to health care outcomes in the United States. 3p. Racial history in the United States led to significant discrepancies in education opportunities and available resources and economical status, which directly affect the following healthcare outcomes. a. Quality healthcare: We read about how lower income play a role on the type of physicians they can see and hospitals they can afford....   [tags: Health care, Medicine, Health, Health economics]

Better Essays
1458 words (4.2 pages)

Essay on A Brief Note On The Health Care Insurance

- I have Interview my grandmother Catalina as my first interviewer because of her medical background she has been a Diabetic for twenty six years. Within those years the health care insurance has been through a lot of changes from bad to good and good to bad she has been through a lot of insurances also because of the health care policy. First she started off with Medicaid at first Medicaid helped cover her visits and medication with no problem and any special testing that she needed that went well until (HMO) Health Maintenance Organization became a big part she had to choose an HMO because Medicaid only took care of the medications so she picked HIP (Health Plan of New York)....   [tags: Health insurance, Medicare, Health economics]

Better Essays
1200 words (3.4 pages)

A Brief Note On The American Auto Industry Essay

- American Auto Industry Today, there are currently 250,851,833 registered passenger vehicles being used in the United States today. (EPA, 2016) That means this industry has an extensive impact on our environment, it affects our economy and our landscape. In this paper, I will delve into ways this industry influences the U.S.A. Global competition is substantial in the auto industry; numerous companies import their product into the United States. There has always been a large number of foreign brands on the road, but after the 2008 market crash, the amount of American made cars dropped significantly....   [tags: Automobile, Internal combustion engine, Gasoline]

Better Essays
856 words (2.4 pages)

Essay on A Brief Note On Autonomy And Self Determination

- The second issue that I identified, relates to autonomy or self-determination. I struggled with labelling this fundamental concept in the social work discipline. My first blatant encounter with this issue occurred during the week of September 14th while I was attending a vigil. The patient was actively dying and requested that his spouse turn on the television. Initially she refused, she feared that it would agitate him and prevent him from resting. Since the patient was diagnosed with cancer rather than dementia, I felt that he was aware of what he was asking for and knew what he wanted....   [tags: Health care provider, Health care, Patient]

Better Essays
1446 words (4.1 pages)

A Brief Note On Social Media And Its Effect On Society Essay

- 3.1: Social media channels. The most effective social media solution and tool is Facebook. Through analysing the decision making matrix it becomes obvious that Facebook was ranked above all other social media choices and was the highest in all of the criteria’s. In addition to this, Facebook has the most number of people connecting on it throughout the world. 3.2: Recommendations. With technology advancements and everything moving online, social media has now become the most used form of advertisement for businesses....   [tags: Advertising, Social media, Facebook, Mass media]

Better Essays
1368 words (3.9 pages)

A Brief Note On Rising Health Care Costs Essay

- Rising health care cost is a nationwide problem in the United States (U.S.). In the U.S., more money is spent on the health care than any other country in the world. In 2012, the overall national spending on health care in the U.S. was $2.8 trillion, which is about 17 percent of total economic output (Peter G. Peterson Foundation [PGPF], 2014). Several government organizations predict that the healthcare disbursements are expected to rise to 22 percent of gross domestic product (GDP) by the year 2039 (PGPF, 2014)....   [tags: Medicine, Health care, Health insurance]

Better Essays
1230 words (3.5 pages)

Essay on Patient Protection and Affordable Care Act

- A power struggle over the defunding of the Patient Protection and Affordable Care Act, better known as ObamaCare, caused the government to go into a partial shutdown for sixteen days beginning on the first of October two-thousand thirteen. The ACA, Affordable Care Act, was originally signed on March twenty-third of two thousand ten to offer new benefits, rights, and protections regarding health care. President Obama (3/23/10) declared that the ACA reflects “the core principle that everybody should have some basic security when it comes to their healthcare.” I believe the intentions of ObamaCare is to expand affordable health insurance to all Americans while improving the quality and reducin...   [tags: Affordable Care Act, Obamacare]

Better Essays
1251 words (3.6 pages)

The Affordable Care Act Essay

- The Patient Protection and Affordable Care Act In 2012, over 47 million Americans were uninsured. Due to the rising costs of health care, decreases in employer sponsored health care, and ineligibility gaps for public programs, the number of insured people has steadily increased (KFF, 2013). In an effort to overhaul the broken, fragmented system, massive health care reform has been launched. The most far-reaching law affecting managed care since the creation of Medicare and Medicaid, the Patient Protection and Affordable Care Act “ACA” was signed into law on March 23, 2010 (Kongstvedt, 2013)....   [tags: patient protection, affordable care act, insurance]

Better Essays
1904 words (5.4 pages)

Essay on Affordable Healthcare Act

- Legislation, which is supposed to make insurance coverage a requirement and increase help from Medicaid through 2020, will play a large role in increasing the percentage of insured to 90 percent. The Patient Protection and Affordable Care Act (PPACA), which was signed into law on March 23, 2010, is the leading contender in making this legislation a reality (Gentrie). The Patient Protection and Affordable Care Act is also called Obamacare which refers to the president’s role in pushing this legislation into action....   [tags: Patient Protection and Affordable Care Act]

Better Essays
1093 words (3.1 pages)