Heath care in the United States, has transformed significantly in the recent years with the Affordable Care Act. On March 23, 2010 the Affordable Care Act was passed in Congress and signed into law by President Obama. On June 28, 2012, the Supreme Court rendered a final decision to uphold the health care law. The Affordable Care Act is the most significant regulatory overhaul of the United States health care system since the passage of Medicare and Medicaid in 1965. With the Affordable Care Act, the purpose was to increase the quality and affordability of health insurance, lower the uninsured rate by expanding private and public insurance coverage, and reduce the costs of healthcare for individuals and the government. One of the most important features of the Affordable Care Act would be that insurance companies are required to cover all applicants, within the minimum standard and to offer the same rates to all applicants regardless of sex or pre-existing conditions (About the Law, 2013). In order to understand the impact of the Affordable Care Act on rural hospitals and access to health care by the working poor and middle class, the Affordable Care Act needs to be broken into smaller parts, and analyzed.
What Does The Affordable Care Act Entail?
The Affordable Care Act can be broken down into several significant parts that can play key roles in helping or hindering rural hospitals and access to health care by the working poor and middle class. The key topics in the Affordable Care Act that will be looked at will include: pre-existing conditions, young adult coverage, preventative ca...
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...or” they may opt out of getting health care coverage, and instead pay the penalty fee. The fee for 2016 is 2.5% of income or $695 per adult, whichever is higher. In the case of a person making at the poverty line, 2.5% of their income is just under $300, meaning they would pay the $695 fee for not being covered. This in turn is much cheaper than the $2,500 a year for health coverage when the person needs their income for basic needs, such as food, clothes and shelter. Unless the person has a form of minimum essential coverage, such as most Medicaid coverage, any job based program, or Medicare Part A or Part C among many other plans, then they don’t have to pay a penalty (Health Insurance That Counts as Coverage, 2015). The minimum coverage includes: two doctor visits, one lab or diagnostic test, four prescription drugs and minimal other medical expenses yearly.
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