Affordable Care Act ( Aca ) Essay

Affordable Care Act ( Aca ) Essay

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The Affordable Care Act

“For the last 50 years, Americans have struggled to navigate a health care system that has failed to put patients first. Millions who were uninsured struggled to pay for even a doctor’s visit, while those who had insurance risked losing it when they needed it most.” (“The Affordable Care Act Is Working.")The affordable care act was a law that was put in place by President Obama in 2010 to ensure that every American Citizen was able to have affordable health insurance.(The Affordable Care Act Is Working)The Affordable Care Act (ACA), which is also known as Obamacare, was created to protect consumers from being taken advantage of by insurance companies.(Roland) Most people receive their health insurance through their employer or their spouse. The law doesn 't change how they receive health insurance (Krans) Before the affordable care act there were many americans that were unable to obtain health care coverage because they were either in low paying jobs or unemployed. People with pre coexisting medical conditions were also struggling to find affordable health insurance. (Roland)The Affordable Care Act works by setting requirements for insurance companies and their consumers. “The law makes sure that insurance companies can’t deny coverage to people due to pre-existing conditions, offer insurance policies to people of the same age and geographical locations, without considering gender or pre-existing conditions” (Krans) Another component to the law is that it is required that all american citizens have health insurance and if they don 't have insurance they will be fined. For people who don 't receive insurance through their job, they are able to purchase coverage through new healthcare insurance exchanges....


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... it can be complicated to get enrolled. (Roland) Opponents of Obamacare also claimed the legislation would Destroy jobs. (Roland) Many believe that employers will try to avoid taking on full time workers in order to save money. This can cause trouble in the future because workers won 't be able to get insurance through employers and will be forced to pay themselves. The New York 's Times reports that, “The law has spurred competition, with new companies entering the market. And early indications are that premium increases next year will be relatively modest. An increase of premiums can lead to more problems because then mandatory health care may not be affordable to people with lower incomes.It is very important that there isn’t a rise in rates because then more and more peope wi be unabe to afford heath insurece and then the law will no longer be doing its job.




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