Essay on A Brief Note On The Patient Affordable Care Act

Essay on A Brief Note On The Patient Affordable Care Act

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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 insurance coverage for individuals with incomes between 139-200% FPL with coverage outside the marketplace or exchanges (Kaiser Family Foundation, 2012). Although this program was schedule to start in January 2014, it was not put into effect until 2015, and not all states have opted the program, so far, only two states including Minnesota and New York have implemented the BHP. Others remaining states are awaiting for 2017 to switch to section 1332 of the ACA innovation waiver that permits states to receive 100 % of the premium subsidies instead of the 95% percent that the states could receive from the government under the BHP structure (Kaiser Family Foundation , 2012)Under the BHP program, individuals whose incomes are above 200 to be qualified for Medicaid and below 200% FPL, meaning less than $ 46,100 for a family of four as of 2012, may be covered through public health insurance (Health Policy Brief, 2012).
Furthermore, under the ACA, BHP offer states the occasion to use other alternative means of providing coverage to low-income in...


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...d off these plans without changing health care providers. Although there are states that have not implemented the BHP program, this program remains a potential solution for low-incomes population and an open road to a more affordable insurance coverage and care access (Kaiser Family Foundation; 2012; Health Policy Brief, 2012). Implementing this program will be a huge step toward a better health care system, uninsured especially for vulnerable uninsured people who are likely to be exposed to drastic health consequences that can result in death. Finally, implementing BHP will not only decrease the coverage cost for low-incomes individuals and facilitate continuity of care despite incomes fluctuation but will enable uninsured individuals to gain easy access to preventive care and alleviate financial burden that may arise from lack of insurance and out of pocket cost

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Essay on A Brief Note On The Patient Affordable Care Act

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