Essay on The Affordable Care Act ( Aca )

Essay on The Affordable Care Act ( Aca )

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The Affordable Care Act (ACA), otherwise known as Obamacare, was passed by the Obama Administration on March 23rd, 2010. It is one of the most significant changes to the regulation of the health care system since the passage of Medicare and Medicaid in 1965. Its initial purpose was to increase the quality of health insurance and its affordability and to lower the number of uninsured Americans. It attempts to do so by expanding the number of people covered by health care and by reducing the premiums for insurance. Under the act, hospitals and primary care physicians would adjust their business model, use of technology, and clinical approach to improve methods of distribution and accessibility to drugs, as well as to create better health outcomes for patients. The Obama Administration is commended for taking this necessary step in creating cost-effective universal healthcare, even though it inadvertently affected people, especially in cancer and oncology practices: patients are burdened by high costs for treatment.
Cancer, unlike other diseases, has a very expensive treatment plan, which include chemotherapy, radiation therapy, surgery, and more recently, immunotherapy. Most patients receive a combination of two or more of these therapies. Surgeries can cost up to $65,000; chemotherapy, on a 12-month basis, can cost as much as $120,000. Even radiation therapy is priced near $50,000. The cost for chemotherapy and radiation therapy depends on whether the treatment is delivered in a hospital outpatient department (HOPD) or in a doctor’s office. Getting treatment through the HOPD is considerably more expensive. These prices are conservative. Hidden costs burden the patient: lodging, childcare costs, communication costs, such as copies ...


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...ealth savings accounts (an “HSA”) — bank accounts opened specifically for the management of medical expenses. Similar to the way social security benefits work, this HSA plan would take a small percentage from a person’s paycheck, perhaps 5% or less, and deposit it into the account. Over time, the value of the account would accrue interest just as any bank account would. As an incentive for people to favor this method of health insurance, at time of necessary major medical treatment, the government would match the value in the HSA approximately, say, 20 cents to the dollar. A system such as this one would allow people take control of their health in their own hands. In doing so, people would understand the importance of maintaining their health and keeping a more holistic lifestyle. The average annual medical expenditure of an individual should decrease significantly.

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