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The Unintended Consequences of the Affordable Health Care Act
Key provisions of the ACA
Strengths and weaknesses of the Affordable Care Act
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Ever since the long and controversial political and legislative process of the Affordable Care Act (ACA) that was enacted in 2010, it has created numerous opportunities to make health care accessible, affordable, and higher quality for all. Importantly, the ACA has improved the health care system regards into reducing health disparities in recent years. For the remainder of this research paper we will have further information to what the ACA is, health disparities that exist, improvements from the ACA, and the status and future of the act. The ACA was signed into law and represented a significant impact to the United States health care system. Under the ACA there are ten Titles with amendments to the law. The first title allows Americans to …show more content…
The sixth title is improving transparency and program integrity. Under this title, it provides more information to help patients control their own health care decisions and strengthens physician-patient relationship. The seventh title is improving access to innovative medical therapies by offering drug discounts to areas that serve low-income patients. The eighth title is Community Living Assistance Services and Supports Act (CLASS Act) which offers Americans options to finance long-term services in the event of disability. The ninth title is changing revenue provisions which will provide millions of families and small businesses tax cuts for health care. Lastly, is the reauthorization of the Indian Health Care Improvement Act title. This reauthorizes health care services to American and Alaskan Natives under the Indian Health Care Improvement Act (HHS, …show more content…
One of the significant factors that contributes to health disparities is different ethnic and racial minorities have shown greater rates of being uninsured. Now millions of individuals, especially of color and social class, have access to the resources and to affordable health coverage (Ross, 2014). Since the ACA was enacted in 2010, the first five years included 11.7 million Americans purchasing new plans from marketplace, with 10.8 million more have Medicaid coverage, and an additional 3 million young adults are on their parents’ policies. (French et al., 2016). According to the Center for Disease Control and Prevention (CDC), the percentage of individuals without health insurance fell from 16 percent in 2010 to 8.9 percent in 2016 (2016). That is almost half of the population, and is an significant
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.
Due to the Patient Protection and Affordable Care Act signed into law on March 23rd, 2010; health care in the US is presently in a state of much needed transition. As of 2008, 46 Million residents (15% of the population) were uninsured and 60% of residents had coverage from private insurers. 55% of those covered by private insurers received it through their employer and 5% paid for it directly. Federal programs covered 24% of Americans; 13% under Medicare and10% under Medicaid. (Squires, 2010)
By doing well in school, going to college, and receiving a high paying job it comes with good healthcare coverage. Without healthcare, hospitals are less likely to assist people. The reason is because of their uncertainty that the uninsured will be able to afford to pay for the service on time or even at all. Obama in his speech says, “This time we want to talk about how the lines in the Emergency Room are filled with whites and blacks and Hispanics who do not have health care; who don 't have the power on their own to overcome the special interests in Washington, but who can take them on if we do it together.” Obama is saying that because of political influences on hospitals those who do not have insurance are forced to wait until there is a chance they might be treated. The reason that they are uninsured is because they cannot afford it. Since insurance is controlled by companies who will not provide fair rates to those who have medical conditions or do not have a job. Robert Pear a writer for The New York Times says, “From 2013 to 2014, the bureau said, the overall rate of insurance coverage increased for all racial groups and for Hispanics, who may be of any race. The increases were comparable for blacks, Asians and Hispanics (just over 4 percentage points) and lower for non-Hispanic whites (about 2 percentage points).” Even though this is 6 years after the speech by Obama it still shows that healthcare is still a problem in America, but
The Affordable Care Act or “Obamacare” was designed to assure that all Americans regardless of health status have access to affordable health insurance. The Affordable Car Act was signed into law March 23, 2010. The primary goal of this act was to decrease barriers for obtaining health care coverage and allow Americans to access needed health care services (Affordable Care Act Summary, n.d). After the legislation is fully implemented in 2014, all Americans will be required to have health insurance through their employer, a public program such as Medicaid and/or Medicare or by purchasing insurance through the health insurance marketplace exchange (Affordable Care Act Summary, n.d). I will identify three parts of The Affordable Care Act that I believe are important. First, I will talk about the requirement that insurance companies are no longer able to deny coverage to individuals with pre-existing conditions. Secondly, I will explain why physician payments are being shifted to value over volume. Lastly, I will discuss Medicaid expansion and why some states are not expanding at all.
Healthcare has been a topic of discussion with the majority of the country. Issues with insurance coverage, rising costs, limited options to gain coverage, and the quality of healthcare have become concerns for law makers, healthcare providers and the general public. Some of those concerns were alleviated with the passing of the Affordable Care Act, but new concerns have developed with problems that have occurred in the implementation of the new law. The main concerns of the country are if the Affordable Care Act will be able to overcome the issues that plagued the old healthcare system, the cost of the program, and how will the new law affect the quality of the health delivery system.
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.).
Until Obama-care, The United States was one of the only developed nations that did not provide some sort of health care for its citizens. To most other nations that do provide healthcare, it is because it is considered a human right that all people should be entitled to. That hasn’t been the case in America, however, where only those who could afford it could have healthcare plans. Those who stand to gain the most from universal healthcare are the already mentioned 45 million americans who currently don’t have any form of healthcare. For many of these individuals, there are many obstacles that prevent them from gaining healthcare. 80% of the 45 million are working class citizens, but either their employer doesn’t offer insurance, or they do but the individual can n...
STUDY SHOWS MILLIONS OF WORKING AFRICAN AMERICANS HAVE NOHEALTH COVERAGE, SUFFER HEALTH GAPS AS A RESULT
In America the affordability and equality of access to healthcare is a crucial topic of debate when it comes to one's understanding of healthcare reform. The ability for a sick individual to attain proper treatment for their ailments has reached the upper echelons of government. Public outcry for a change in the handling of health insurance laws has aided in the establishment of the Affordable Healthcare Law (AHCL) to ensure the people of America will be able to get the medical attention they deserve as well as making that attention more affordable, as the name states. Since its creation, the AHCL has undergone scrutiny towards its effects on the government and its people; nevertheless, the new law must not be dismantled due to its function as a cornerstone of equal-opportunity healthcare, and if such a removal is allowed, there will be possibly detrimental effects on taxes, the economy, and poor people.
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.
The growing number of uninsured and underinsured is on the rise. In 1979, 11 million African americans were uninsured (Jaffe 10). Today, the number is 15 million and it is increasing every year (Jaffe 11). According to the Department of Health and Human Services, thirteen million blacks in America have health care and fourteen million do not (Fitzgerald 31). Also, those who are insured today may be at risk tomorrow if their employer drops coverage, or the head of the household changes or loses their job. Most blacks in the United States who are uninsured simply cannot receive health care at an affordable price because their employer does not offer it and self-insurance cost much more. The lack of adequate insurance can be devastating to families both in financial terms and in terms of timely access to needed health care (Jaffe 12). Altogether, collection agencies report every year that most blacks are in debt due to unpaid medical bills, because they are not insured or they are underinsured.
Due to the affordable Care Act, the middle class will not have the finances to support the everyday cost of living in Indiana. Americans have a hard enough time surviving in the recovering economy. Now they have to deal with higher premiums and increased penalties if they do not sign up for the Affordable Care Act.
Trujillo, Michael H., M.D., M.P.H., M.S. (2000). Testimony on the Indian Health Care Improvement Act. [ONLINE] Available at: http://www.hhs.gov/asl/testify/t000308c.html. [Last Accessed 23 November 13].
Socioeconomic Disparities and health are growing at a rapid rate throughout the United States of America. To further understand the meaning of Socioeconomic Disparities, Health and Socioeconomic disparities & health, this essay will assist in providing evidence. Disparities can be defined in many ways, of which include ethnic and racial background and class types that deal with it the most. Due to the low income some individuals receive, they have less access to health care and are at risk for major health issues. Although, ethnicity and socioeconomic status should not determine the level of health care one should receive or whether not the individual receives healthcare.
Health insurance facilitates entry into the health care system. Uninsured people are less likely to receive medical care and more likely to have poor health. Many Americans are foregoing medical care because they cannot afford it, or are struggling to pay their medical bills. “Adults in the US are more likely to go without health care due to cost” (Schoen, Osborn, Squires, Doty, & Pierson, 2010) Many of the currently uninsured or underinsured are forced accept inferior plans with large out-of-pocket costs, or are not be able to afford coverage offered by private health insurers. This lack of adequate coverage makes it difficult for people to get the health care they need and can have a particularly serious impact on a person's health and stability.