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What is the Patient Protection and Affordable Care Act
The Affordable Care Act explained
Patient Protection and Affordable Care Act
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Effects of New Consumer Benefits on Healthcare Whether a person is for it, or against it, my guess is they have at least recently heard of it, The Patient Protection and Affordable Care Act (PPACA). Since its passing in 2010 and recent implementation in January 2014 it has drawn strong opinion both in congress and in the general public. Obamacare as it is commonly known is a dramatic attempt at sweeping healthcare reform. With its passing, the law has implemented several changes to privately funded insurance, lending itself to new consumer protections. Carey (2014) clarifies some of these new consumer provisions along with a brief layout of how the law might affect the ordinary citizen. With the implementation of the PPACA comes a period of uncertainty, organizations will rely more than ever on healthcare administrators. Healthcare Administration, in the future, is tasked with treating an increased patient volume with increased quality of care, all the while, keeping organizations fiscally sustainable while bracing for probable decreases in reimbursement. Overview Since January 2014 most of the consumer protections awarded under the Affordable Care Act (ACA) are now in place. No longer can we as consumers be denied insurance coverage as a result of a preexisting condition. Insurers are now required to provide coverage for anyone with preexisting conditions and cannot use these conditions to charge higher premiums. Upon the laws implementation in 2010 no longer can insurance companies impose lifetime limits on essential health benefits. Essential benefits are defined as items and services that must be covered in consumer policies, including but not limited to hospitalization and prescription drug coverage (Carey, 2014). ... ... middle of paper ... ...e-health-law.aspx Cutler, D. M., & Morton, F. S. (2013). Hospitals, market share, and consolidation. JAMA: Journal of the American Medical Association, 310(18), 1964-1970. doi: 10.1001/jama.2013.281675 Daughtery Dickinson, J. (2012). Healthcare reform moves forward, but where do you stand? Same-Day Surgery, 36(9), 93-95. Retrieved from http://ezproxy.umuc.edu/login? url=http://search.ebscohost.com.ezproxy.umuc.edu/login.aspx?direct=true&db=ccm&AN=2011651110&site=eds-live&scope=site Mullikin, L. E. (2011). Kathleen mears memorial lecture: Are we ready for 2014? an overview of healthcare reform for the neurodiagnostic practitioner*. American Journal of Electroneurodiagnostic Technology, 51(4), 229-246. Retrieved from http://ezproxy.umuc.edu/login?url=http://search.ebscohost.com.ezproxy.umuc.edu/login. aspx?direct=true&db=a9h&AN=70164368&site=eds-live&scope=site
One of the most controversial topics in the United States in recent years has been the route which should be undertaken in overhauling the healthcare system for the millions of Americans who are currently uninsured. It is important to note that the goal of the Affordable Care Act is to make healthcare affordable; it provides low-cost, government-subsidized insurance options through the State Health Insurance Marketplace (Amadeo 1). Our current president, Barack Obama, made it one of his goals to bring healthcare to all Americans through the Patient Protection and Affordable Care Act of 2010. This plan, which has been termed “Obamacare”, has come under scrutiny from many Americans, but has also received a large amount of support in turn for a variety of reasons. Some of these reasons include a decrease in insurance discrimination on the basis of health or gender and affordable healthcare coverage for the millions of uninsured. The opposition to this act has cited increased costs and debt accumulation, a reduction in employer healthcare coverage options, as well as a penalization of those already using private healthcare insurance.
The aim of affordable care act (ACA) was to extend health insurance coverage to around 15% of US population who lack it. These include people with no coverage from their employers and don’t have coverage by US health programs like Medicaid (Retrieved from, https://www.healthcare.gov/glossary/affordable-care-act/). To achieve this, the law required all Americans to have health insurance which is a reason of controversy because, it was inappropriate intrusion of government into the massive health care industry and insult to personal liberty. To make health care more affordable subsidies are offered and the cost of the insurance was supposed to be reduced by bringing younger, healthier people to the health insurance system. This could be controversial, if older, sicker people who need the coverage most enter the market but younger group decline to do so. The insurance pool will be unbalanced and the cost of coverage will rise correspondingly.
Kathleen Shine Cain et al. at. The. Boston: Pearson Education Company, 2011. 52.
...r the condition to be covered, or be charged extraordinary sums for premiums. The employee must not go without coverage for more than 63 days to avoid the pre-existing condition clauses in a policy. In reality, the government should make Medicaid benefits available to the newly unemployed or low-wage earners due to their now “low-income” status. The reality is that even if the government did make Medicaid benefits available, the state of the economy has caused many states to reduce Medicaid benefits for budgetary reasons.
PPACA also makes coverage available to those with pre-existing conditions (Amadeo). This has been an issue in the insurance industry because of adverse selection, which is caused when insurance is purchased by those who will use more than what they are paying (Stone 85). Insurance companies would off-set their costs by offering several plans with different deductibles or co-pays based on asymmetric information (85). PPACA will protect individuals from cost increases because of a pre-existing condition (Tate 14). The cons of PPACA include an eventual increase in the cost of healthcare because of the increase in the number of individuals receiving preventative care.
The Affordable Care Act introduced a plan that would allow Americans with pre-existing conditions to obtain health insurance without the hassle of being turned down or fear of being charged higher premiums. The Pre-Existing Condition Insurance Plan was effective as of July 1, 2010. It allowed patient access to affordable healthcare in which they were previously denied due to their pre-existing condition (Affordable Care Act Summary, n.d.). Patients were required to be uninsured for at least six months before they obtained this form of health insurance. In January 2014, the PCIP plans no longer exist due to funding issues so Amer...
The United States (U.S.) has a health care system that is much different than any other health care system in the world (Nies & McEwen, 2015). It is frequently recognized as one with most recent technological inventions, but at the same time is often criticized for being overly expensive (Nies & McEwen, 2015). In 2010, President Obama signed the Patient Protection and Affordable Care Act (ACA) (U. S. Department of Health & Human Services, n.d.) This plan was implemented in an attempt to make preventative care more affordable and accessible for all uninsured Americans (U.S. Department of Health & Human Services, n.d.). Under the law, the new Patient’s Bill of Rights gives consumers the power to be in charge of their health care choices. (U.S. Department of Health & Human Services, n.d.).
The Patient Protection and Affordable Care Act passed by President Barack Obama is a significant change of the American healthcare system since insurance plans programs like Medicare and Medicaid (“Introduction to”). As a result, “It is also one of the most hotly contested, publicly maligned, and politically divisive pieces of legislation the country has ever seen” (“Introduction to”). The Affordable Care Act should be changed because it grants the government too much control over the citizen’s healthcare or the lack of individual freedom to choose affordable health insurance.
The Affordable Care Act, more commonly known as Obamacare, is a new health policy created by the American federal government. Its purpose is to make healthcare more affordable and friendly for the people. Unfortunately in some way that does not prove to be the case. It is becoming apparent that Obama may have made some misleading statements to help get the ACA put into action. The ACA is sprinkled with many flaws that call for a reform such as people’s current plans being terminated, high costs, and at minimum some people’s hours being cut by their employers.
Later, another panel member argued that the purpose of health insurance is not to insure everyone. It should be provided to only cover catastrophic health conditions. Today, not only does health insurance cover catastrophic events, but also there are limits on the amount of out-of-pocket health care costs for essential health care (The White House, 2016). Also, most out-of-pocket costs have been eliminated for preventative care (The White House,
- Health plans can not charge higher rates according to the person's sex or refusing to meet anyone who has pre-existing health problems. Moreover, they have to justify large price increases;
Therefore, the Affordable Care Act increased access to healthcare. The group that benefited the most was the individuals with pre-existing conditions. Prior to Affordable Care Act, insurance companies had the right to deny the application of those with pre-existing condition like asthma and diabetes. However, with the ACA, insurance companies cannot deny their application and they can’t increase their premium. Another group that had advantages of this new act are the poor people. People who are up to 138% of poverty level or the individuals that make less than $15,854 a year will be eligible for
Macionis, J. J., Jansson, S. M., & Benoit, C. M. (2009). Society: the basics. Toronto: Pearson Canada.
(c) a requirement that firms with over 50 employees offer coverage or pay a penalty, (d) a major expansion of Medicaid, and (d) regulating health insurers by requiring that they provide and maintain coverage to all applicants and not charge more for those with a history of illness, as well as requiring community rating, guaranteed issue, non-discrimination for pre-existing conditions, and conforming to a spec...
Weiss PhD, Michael J., Wagner PhD, Sheldon, and Goldberg, Susan. Drawing the Line. New York: Warner Books, 2006. Print.