1. Consider key elements of ACA provided on p. 11 in the textbook. Pick any two and discuss. Whether a particular element of ACA has been already successfully implemented? What are the pros and cons of this element? (4-6 sentences) The Affordable Care Act executed some key elements successfully. The focus was to provide millions a choice to affordable quality care at a fraction of the cost. The expanded insurance regulations; focus on the removal of pre-existing conditions, expanded children coverage until the age of 26, and no lifetime cap. This key element restricted health insurance companies in increasing premiums and an opportunity to renewal. The cons with this element is the increase of health insurance premiums across the board. Healthy people are paying the same premiums of someone …show more content…
Uninsured American’s can shop for free or low cost healthcare coverage. Unfortunately, most the working class are covered by their employer with high deductibles and expensive premiums. The shared-cost creates problems for Americans due to disparities in economic and social class. 5. Briefly explain why according to this article average Americans cannot afford health care. (1-2 sentences) Is due to disparities in high healthcare cost, uneven distribution of resources, inequality of wealth and income. 6. A primary goal of the ACA was to improve access to health care. But affordability remains the problem. Why? Base your answer on the information from the article. The ACA has successfully accomplished their goal by making healthcare accessible to everyone. Unfortunately, the cost remains high and most Americans are unable to afford insurance. This rationality is due to healthy American’s unable to qualify for premium tax credit and an increase in their premiums. Also, the cost-sharing standard silver plan reasonable deductibles, complicated APTC with inaccurate income projection, minimal employer coverage and individuals mandates with
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The ACA, passed in President Obama’s first term, mandates that all Americans will need to purchase healthcare or pay a tax. In addition, the plan also provides subsidies for middle class families and contributes to the overhaul of the healthcare system (Amadeo, 2017). The ACA represents major intervention by the federal government in the health care system. Again, the fundamental differences between the parties were present in the voting over this legislation. When the bill was in the Senate, it passed with support of all 60 Senate Democrats and two Independents.
As most of these goals are in some way or form about money, “one could easily argue that the ACA is more about payment reform, than true comprehensive healthcare reform…” (Panning 107). It is safe to assume that, that this what
First, the ACA has brought about considerable improvements in access to affordable health insurance in the United States. On the basis of their own reports, newly insured Americans are also able to see physicians within reasonable periods of time, and anecdotal reports about restricted access to out-of-network providers, although a concern, have not yet caused a major backlash. Second, the implementation of the ACA has coincided with another important development — a slowdown in the rate of increase in national health care spending. From 2010 through 2013, per capita U.S. health care expenditures increased at the historically low rate of 3.2% annually, as compared with 5.6% annually over the previous 10 years. As a percentage of the gross domestic product, health spending has stabilized at approximately 17%.
What is Affordable Care Act (ACA) of 2010? What is ACA’s contribution to health care reform? The Affordable Care Act (ACA) is a federal statute signed into law in 2010, that is designed to increase access to health insurance, expand Medicaid eligibility, subsidize health insurance premiums, and provide incentives for businesses to provide health care beneﬁts (Marco et al., 2012). ACA is a law that levels the playing field for all American to have access to health insurance.
Since the enactment of the Affordable Care Act (ACA), millions of uninsured americans now have some type of healthcare. It has expanded Medicaid coverage in some states for low income citizens and has made insurance more affordable for some middle income families. It does this by offering market-based health plans that people can choose from and offers subsidies to families who need help purchasing insurance. The ACA has had some definite effects on healthcare providers. Physicians are seeing a large influx of patients, because of the newly insured.
This means that more people will be able to afford hospital fees and fees charged by doctors, more patients will be seen by doctors, and doctors are expected to spend more time with each patient to give the kind of quality care that the ACA demands. In A Rancorous Moral Matter by Ron Hamel, Ph.D. and Fr. Thomas Nairn, OFM, Ph.D., they state that, “ The mandate helps promote justice, (fair distribution of a critical social good), solidarity (the sense that we are in this together and ought to be of assistance to one another in times of need) and, ultimately, the common good (the flourishing of all members of society and of society as a whole).” (In text Citation). They believe that the Affordable Care Act and the other health care/health insurance implementations made are helping to unify our country.
Background The Affordable Care Act (ACA) is officially referred to as the Patient Protection and Affordable Care Act was enacted into law on March 23, 2010. It is estimated that prior to the enactment of the ACA, 44% or 81 million people between the ages 19-64 were either uninsured or underinsured in the United States (Schoen, Doty, Robertson, & Collins, 2011). The populations most likely to be uninsured or underinsured are individuals with earning between 133-200 % below the established federal poverty guidelines (Schoen et al., 2011). Consequently, 80% of individuals with earning under $20,000-$39,999 were uninsured or underinsured (Schoen et al., 2011).
It works to make health insurance more affordable for Americans, and essentially, improve the healthcare system in the US. But, many people oppose this healthcare act because they believe that the government should not force people to get insured, and pay a penalty for not doing so. However, one has to realise that although they may not have
According to the HHS(department of health and human resources) the ACA prohibits insurance companies from denying coverage or charging higher premiums based on pre-existing conditions. This provision has helped millions of Americans with chronic health conditions access affordable healthcare (HHS, 2014). As mentioned by ncbi the ACA has implemented a number of reforms aimed at improving the quality of care, such as incentivizing hospitals to reduce readmissions and implementing value-based payment models. These efforts have led to better outcomes for patients and reduced costs for the healthcare system (McIlvennan et al., 2015). Ncbi brings up that while the ACA has faced criticism for its cost, it has also implemented several measures aimed at containing healthcare costs.
It is designed to cut costs for healthcare in the United States. This act also helped uninsured Americans receive health insurance The act helped “high risk” Americans to get health insurance. This act also let the government control the costs and quality of care (Weiner 1). This reduction to healthcare costs was to be done many different ways, which included many different types of models and tax increases.
Furthermore, there should be a more reasonable distribution of cost amongst Americans, with younger and healthier Americans assuming some of the financial burden for those less healthy. Another goal of the ACA is to stabilize the skyrocketing cost of health care. One way to stabilize cost can be accomplished by reforming the way payment and reimbursement of services occurs—outcomes versus volume. A final goal of the Affordable Care Act is to provide incentives that reward wellness and preventative medicine (Panning,
Many Americans were led to believe that the introduction of the Patient Protection and Affordable Care Act in 2009 would put an end to disparities in health care access. While it did improve the situation for a small percentage of the population there are still many Americans who lack access to good quality health care. Health care access in America is determined by money and those in lower socioeconomic groups frequently tend to miss out on adequate care. In a recent health care report by the national health research foundation Kaiser Family Foundation, it was noted “health care disparities remain a persistent problem in the United States, leading to certain groups being at higher risk of being uninsured, having limited access to care, and experiencing poorer quality of care” (Kaiser Family Foundation). The current health care
Introduction A. The Affordable Care Act (ACA), also known as The Patient Protection and Affordable Care Act (PPACA), was created in 2010 under the President Obama administration. It is designed to reform the current healthcare system by offering more health insurance options at affordable rates. The reform aims to provide individuals with more health insurance options, alleviate out of pocket costs, and prevent gender discrimination. The basis of providing millions of Americans with quality health insurance options greatly benefits a majority of individuals.