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The case against Obamacare
What is the Patient Protection and Affordable Care Act
Disadvantages of the affordable care act
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The reform of health care is a tremendous feat. The changes made to the program affect our country. This also means that any negative aspects of the program also affect us. President Obama’s Patient Protection and Affordable Care Act (PPACA), also known as “Obamacare”, intends to improve health care and ensure that more Americans possess health insurance. While this seems like a good premise, the new system is flawed and is far from being the perfect healthcare system. Obamacare does have positive aspects. For example, it allows people to have access to more health services. The program also keeps women from being charged more for insurance than men as this was an issue in the past. It also gives women access to women’s health services. Most …show more content…
The main issue with the program is its costs to the government. To ensure that low-income citizens are able to possess health insurance, the government grants subsidies to those who make an annual income of under $46,000. If the government grants these subsidies to people, the money has to be taken from federal and state funds. According to the Motley Fool, Obamacare is estimated to cost $1.2 trillion in its first decade (The Motley Fool). To cover these costs, new taxes will be put in place that mostly affect the health care industry and those who earn a high income. These taxes include the employer mandate, and the individual mandate which will be disscussed soon. (The Motley …show more content…
Individuals who make over $46,000 a year have fail to qualify for government subsidies and are required to pay full price for their insurance or file for exemption. This has the greatest effect on those who make just over $46,000 that can barely afford health insurance but still have to pay full price for it. Also, individuals who refuse to purchase health care face a fee called “individual mandate”. This is a tax that is the greater between $325 or 2% of a person’s modified adjusted gross income. This serves as an issue for a great number of people and is a large reason why a large percentage of the population opposes the new healthcare act. Purchasing health insurance was once a choice and now people are being fined for choosing not to have it. This whole issue makes the program seem unfair. (The Motley
To begin, one of the common reasons cited in support of Obamacare is a decrease in health and gender-based discrimination by insurance companies. The changes in requiring all Americans to have affordable coverage, as well as changes in how insurers can set premiums, will allow those with medical conditions and disabilities, as well as women who need pregnancy care the ability to have healthcare insurance without having to potentially be denied coverage or forced to pay a much higher than average price (The Pros and Cons of ObamaCare 1).
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.
The topic that I am choosing to do is on Obama Care. I chose this topic because the idea of the government forcing people to obtain insurance is wrong in my eyes. I am interested in analyzing the validity for what has been said about this topic in order to increase my understanding about Obama Care. I am not an expert when it comes to Obama Care. I know that this is an insurance that is being provided through the government for the general public. I have read that President Obama never initially read the whole bill itself. I also know that people who cannot afford it, but make too much money to qualify for Medicaid are being heavily encouraged to get this insurance. Some of the common knowledge that I have found that the general public has about this subject is that some people are for Obama Care and think that it is a wonderful idea and that there are some people that are dead set against Obama Care. Younger adults, specifically college age and individuals that are in their twenties tend to be for Obama Care. The insurance is being forced upon individuals that may or may not want it. It also seems as though that the insurance being offered is pretty generic in terms of coverage. Some of the questions that I have that I believe will aide me in writing this paper would be the following: What are the pros and cons of Obama Care? What are the thoughts of Obama Care with the people of the government? As well as what are the basics of Obama Care?
The individual mandate and the Affordable Care Act, also known as “Obamacare”, is the idea that citizens should be required to have health insurance or otherwise pay a certain penalty. The Affordable Care Act essentially is the ability for all Americans to be able to afford health insurance. “One goal of the ACA, often referred to as the Affordable Care Act…is to bring down the costs of health care and make it available to more people.” (Will the Affordable Care Act improve health care in the United States?). The ACA was signed into law in March 2010 and currently ongoing. Although the Affordable Care Act does potentially have some positive effects to it, like bringing affordable health insurance to uninsured Americans; the Act does also have
On March 23, 2010, President Barrack Obama signed the Affordable Care Act (ACA) into legislation. The bill was created to provide affordable and effective health care to all Americans. It has since provided tens of millions of uninsured Americans with affordable healthcare (“ObamaCare: Pros and Cons of ObamaCare”). While doing so, an estimated 31 million still remain uncovered as of 2016 (“Not ‘Everybody’ Is Covered Under ACA”). To this day, the health care plan has remained widely criticized and controversial. Many believe the Affordable Care Act has not done its duty and is unconstitutional to force healthcare upon Americans. Some of the people who share these views believe it isn’t the government’s job to provide welfare. They believe healthcare
Although aggressive opponents of the law call it Obama care, Obama accepts this nickname as it does accurately reflect his care for those who were going bankrupt due to sickness. The PPACA brings more than 30 million uninsured Americans under the attention of the obligation that everyone acquire insurance in exchange for security that the sick cannot be denied coverage (Woodward, 2012). The Affordable Care Act benefits to reconstruct the healthcare system by giving more Americans access to superior, reasonable health insurance and supports to curtail the growth of healthcare spending in the U.S. People with health insurance will have access to a number of new benefits, privileges, and defenses that ensure that they can get treatment when they need it. This helps over 32 million Americans afford health care who could not get it before.
The healthcare reform debate has been politicized in the United States for many years where there have been deliberate efforts by various stakeholders to ensure that they push for the reforms that are in line with the cost-benefit aspects that they have already envisioned. In this paper, I will attempt to prove that the reforms that have been witnessed in the healthcare in the recent years have not been effective and helpful to the society as a whole. When President Obama came into office, he promised to oversee great reforms in the healthcare which is his government he face much priority in the social policy aspects. The congress managed to pass the Patient Protection and Affordable Care Act (PPACA).
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.
Taxes in relation to the new healthcare reform is a prominent topic when one examines the supporting and opposing sides of the law. New taxes on businesses producing medical equipment and new Medicare taxes on investments have been established. For individuals and businesses choosing not to participate in purchasing health insurance there will be a penalty called a "shared responsibility" tax. The accrued money from these taxes is being used, among other things, to provide low-cost insurance plans on the marketplace and to create subsidies for those purchasing the plans. Through these subsidies, "any individual making up to $45,960 or a family of four with household income up to $94,200 is eligible" ("Obamacare tax guide") to qualify and get assistance at the end of each year to off-set the cost of the insurance even more...
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.
Obamacare is what America needs, and is the middle ground between a single payers system and a public option system. Without Obamacare, the two opposite options I have given would be too extreme and not everyone would agree on them. It would cause controversy in America, and that is the opposite of what we need in this health care crisis. It would also not help the health care crisis grow and replenish itself to the standards that us citizens expect from the government. In order for America to stay on track to rebuild the health care system, we need to keep going in the same direction and expand our horizons by keeping and adding on to the Affordable Care Act so every citizen is content.
Less than a quarter of uninsured Americans believe the Affordable Care Act is a good idea. According to experts, more than 87 million Americans could lose their current health care plan under the Affordable Care Act. This seems to provide enough evidence that the Affordable Care Act is doing the exact opposite of what Democrats promised it would do. On the other hand, this law includes the largest health care tax cut in history for middle class families, helping to make insurance much more affordable for millions of families. The Affordable Care Act has been widely discussed and debated, but remains widely misunderstood.
The main ones are increasing taxation, the effect it will have on the type of government in America, it will limit the choice in medical care, cause a longer wait for care, and there is the issue of people that are already "grandfathered" into plans that they have already purchased. There are many people that are concerned about the constitutional authority of the country by forcing universal health care upon the citizens. Maybe people believe that by doing this, the government of the United States is heading more toward a democracy and less of a constitutional republic. The next major problem is how the government will pay for the program that provides healthcare to every citizen. The two options are, the government pays for it with their own revenue or the taxpayers money goes towards it. The government is already in debt, which leaves the cost up to the taxpayers money. There is no possible way for medical care to be free and taxes to go up. The other major concern is how the people who have already purchased health insurance, or are grandfathered into a plan, get reimbursed for their
The United States passed bill that health insurance should be mandatory in the year 2014. Under the Patient Protection Affordable Care Act, each person is required to have at least a minimum level of health insurance failure to, the individual will face a penalty. The mandatory health insurance issue has faced reactions from both sides with some people supporting while others opposing. It is mandatory for every individual to purchase a health insurance depending on their earnings. The health care insurance is mandatory for all US citizens, and all legal residents in America. It is considered as an individual responsibility requirement, and those without this insurance are subject to a tax penalty of $750 per year up to a maximum of three times that amount ($2,250) per family. However, there are exemptions for financial hardships, incarcerated persons, religious objections, and undocumented immigrants. Mandatory health insurance is important, and should be applied in all states because, everyone gets ill and at one time, they have to visit a health care facility for medical services. In addition, it protects the health future of families, and protects people from unexpected high medical costs because they are covered.
We are the wealthiest country yet we don’t have free universal health coverage. The insurance companies are attempting to manage cost through price controls and we’re still having to pay out of pocket for a lot of the expenses. Personally I think that The Obama Care (and the Affordable Care Act) will have little to no effect on me until maybe later in life because the insurance I have works great for me. I do have to meet my deductible every year, and it depends on which doctor I go to if I have a copay or