America 's Affordable Care Act Essay

America 's Affordable Care Act Essay

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We live in the United States, “The Land of the Brave and Home of the Free.” However, the United States is the only developed country that does not provide guaranteed insurance coverage for all citizens and there thereby does not ensure access to health services (Government hub, n.d.). This always disappointed me because America is the richest, and most unequal, country (Sherman, 2015). So why wouldn’t America provide American’s health care insurance (McAlearney, 2003, p. 20). The closest country to the United States is China. Since the United States does not provide universal health care coverage we will discuss forms of insurance offered to Americans and how individuals qualify for coverage.
In the United States we have adapted the Affordable Care Act (Obama Care), which requires all Americans to have health care coverage. Not to mention, if you are uninsured you are required to pay a tax penalty. Which, is scheduled to increase yearly. I disagree and believe that Americans should have the option to decide if they want coverage, because the individuals that are being forced to pay for coverage are in many instances low-middle class families. Causing, increased strain on a strained financial situation. In my opinion, families that’s opt out of insurance coverage be required to sign a contract giving hospitals the ability to garnish wages until paid in full. Since several people feel forced to participate in the ACA, believing they do not attend the physicians visits enough to enroll.
Insurance is separated into categories called Major Medical Plans, Qualified Health Plans, Catastrophic Plans. Major medical plans consist of Health Maintenance Organization (HMO) plans: HMOs are one of the most popular types of health...


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...nce provider. We must investigate to determine if insurance meets the qualifications of the ACA (for tax purposes) and evaluate how much we see physicians to determine what insurance best suits your medical needs. Not to mention, federal insurance has financial requirements and if you don’t receive benefits from an employee you have to enroll in Affordable Care Act which, if you are middle class can be expensive due to high deductibles and co-payments. Knowing this, because I was forced to receive insurance from, The Market Place”. Which is the company you contract to sign up form insurance through the ACA. I look to the future envisioning universal health care, because I believe it is unfair that middle classes tax dollars pay for federal/state/ACA insurance (grants), but the middle class are unable to receive benefits without paying extremely high cost.


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