Prior to the Affordable Care Act, 129 million Americans were being discriminated by insurance companies due to their pre-existing medical conditions. Millions of Americans who suffered from illnesses such as diabetes, heart disease, or cancer, were being removed from their plans when the insurance companies felt they had already paid for many of their expenses. These insurance companies weren’t viewing their customers are patients but as profit or nonprofit investors. The system was called “The individual market” and the insurance premiums were increasing yearly by 15% for people who stayed with their plans for more than a year. Instead of being discounted for being a loyal member of the companies, families were being charged more annually. Many Americans fell in a death spiral, prior to the ACA. Which is when the insurance pool is smaller and sicker, causing the premiums for this insurance to be dangerous high. Any medical changes in the individual’s life would lead to adverse selection, in which the insured was confronted with the probability of coverage loss due to ris...
... middle of paper ...
...e fourth step is to find a health care provider, especially a provider that is within their health care plan. Next, the individual must be competent in making a doctor’s appointment. The sixth step is to be prepared for your visit, this means that insurance cards must be in your possession and it is recommended to have knowledge of family history before a visit. Next, it is crucial to feel comfortable with the health provider that you choose. Lastly, the individual should know the steps after the appointment. Any prescriptions that were given, should be filled and should be taken as directed. This quick roadmap explains health care coverage and it emphasizes on the importance of preventative services. The working population views health insurance as a necessity when they are sick, but the reality is that it is also helpful to have insurance when you don’t feel sick.
Need Writing Help?
Get feedback on grammar, clarity, concision and logic instantly.Check your paper »
- When we evaluate health system, we usually assume higher Total Health Expenditure as a percentage of GDP links to better population health status (e.g., higher life expectancy at birth). However, the situation in the United States is an opposite case. This documentary film reveals this myth by interpretatively comparing the health consequences on individuals and communities in the U.S., Canada, the United Kingdom and France health systems. First, in contrast with the National Health Service (NHI) in U.K, the regionally administered universal public insurance in Canada, and the statutory health insurance (SHI) in France, the U.S.... [tags: Medicine, Health economics, Health care]
788 words (2.3 pages)
- In the United States, 2.7 trillion dollars is spent annually on health care and more than one-sixth of the economy is dedicated to health care spending (Rising Health Care Costs, 2015). If the cost of health care continues to grow at horrifying rates, then it is estimated that by 2040 health care will compromise 35% of Gross Domestic Product (Riczo, 2014). Experts state that at least twenty to thirty percent of health care spending, which is approximately 800 billion dollars a year, goes to care that is inefficient, redundant or wasteful (Rising Health Care Costs, 2015).... [tags: Health care, Health care in the United States]
735 words (2.1 pages)
- The Affordable Care Act The United States has always relied on private health insurance to allow people to access health care. Even though the United States has relied on those private insurance companies, the government has implemented programs like Medicare, Medicaid and State Child Health Insurance (SCHIP). On March 23, 2010, The Affordable Care Act (ACA) was passed by Congress then signed into law by President Obama. The Affordable Care Act, also known as ObamaCare, helps low and middle income families pay for health insurance.... [tags: Barack Obama, United States, Universal health care]
1070 words (3.1 pages)
- On March 23, 2010 the President of the United States, Barack Obama, signed into law the Patient Protection and Affordable Care Act (PPACA), which is commonly called the Affordable Care Act (ACA) or familiarly the Obamacare (Obamacare Facts). The Obamacare is created to make health care more affordable and accessible for people in the United States. The Affordable Care Act guarantees most people will have health insurances as well as reduces the high cost of health care of individual and government.... [tags: Barack Obama, Health care, United States]
736 words (2.1 pages)
- Hispanics are one of the largest groups in the United States that are uninsured. Additionally, the Hispanic population is one of the fastest growing ethnic groups in the U.S. The Hispanic population is estimated to increase over the next 25 years to 32 million out of a total of 72 million of the US population (Brice, 2000). The U.S. health care system is facing one of its most notable societal issues in years in reference to its ability to provide access to medical care for the millions of Americans who do not have health care, for whatever cause.... [tags: Health care, Health care provider]
1626 words (4.6 pages)
- Racial disparities in The United States health care system are widespread and well documented. Social and economic inequalities between racial minorities and their white counter parts have lead to lower life expectancy rates, higher infant mortality rates, and overall poorer health for people of color. As the nation’s population continues to become increasingly diverse, these disparities are likely to grow if left unaddressed. The Affordable Care Act includes various provisions that specifically aim to reduce inequalities for racially and ethnically marginalized groups.... [tags: the Affordable Care Act]
1264 words (3.6 pages)
- Money Isn’t Everything In the United States in the year 2014, there are currently 32,967,500 citizens uninsured. 17% of American citizens are involved in a fatal work injury, 15 deaths a week in the year 2014. Thanks to The Affordable Care Act in the year 2014, 2 million new people were eligible for Medi-cal, high-quality health care, dental, mental health, substance use treatment services, and long term care (The California Department of Health Services). The Affordable Care Act, known as Obamacare has in recent years been approved by the President of the United States of America.... [tags: Health care, United States, Insurance]
1059 words (3 pages)
- The American people voted for the Affordable Care Act in 2010, and the Supreme Court finally upheld it on June 28, 2012. This means affordable health insurance for all Americans regardless of the age or pre-existing condition. ObamaCare, or the Affordable Care Act, is supposed to be the cure all for health insurance. All Americans are to be covered, but what about the people that aren’t. This leaves widely spread frustrations with health care for those who still can’t get coverage. Health care is available in many different platforms making insurance widely obtainable in America.... [tags: Health care, Health insurance, United States]
704 words (2 pages)
- The Effects of the Affordable Care Act The Affordable Care Act, also known as Obamacare, is President Barack Obama’s health care program that was passed in March 2010. The Affordable Care Act is considered to be America’s step towards universal health care, a system providing health care to all citizens in a country. Obama’s Affordable Care Act consist of many aspects from both political parties that are believed to improve health care for Americans. Obamacare offers new benefits, rights and protections for health care, sets up a health insurance market place which allows citizens to purchase health insurance during open enrollment, expands Medicaid to adults, improves Medicare for elders,... [tags: Barack Obama, Health care, United States]
892 words (2.5 pages)
- Healthcare in America has always been a sensitive topic to be brought up. To discussing why many Americans did not have access to medical care and to discussing why it was not affordable. Both of these topics have improved since the Affordable Care Act passed in 2010. Passing the Affordable Care Act has made great changes to not only providing medical care possible for Americans, but also creating much more jobs for the future. If the Supreme Court did not pass the Affordable Care Act then many Americans would not have access to health care because of the policies and regulations that have stayed the same.... [tags: Health care, Barack Obama, United States]
873 words (2.5 pages)