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). The uninsured population has increased substantially over the years, with the largest increase occurring from 2003 to 2007. The financial recession is cited as a possible reason for underinsured or …show more content…
Ensuring millions of Americans have access to free preventive screening and care will reduce the burden on the health care system in the future. In other words, diseases detected earlier are less costly to the health care system compared to those detected during the later stages. Diseases that are detected during the progressive stage of the illness are more costly to the health care system and the individuals. More importantly, individuals are more likely to recover from a disease that is detected during the early stages which will improve the health and well-being of the US population. In order to achieve the goals established by the ACA, different components were created to ensure a holistic approach to health care and services provided to individuals. The different components of the ACA include: Affordable Health care for America, the Patient Protection Act, Health Care and Education Reconciliation Act and the Student and Fiscal Responsibility
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Fast-forward almost seven years since the enactment of the ACA, and the percentage of uninsured adults in the United States has dropped over 3%, as roughly twenty million people are currently enrolled in some sort of
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
A Second Look at the Affordable Care Act David E. Mann, ABA American Military University POLS210 Abstract Since the passing of the Patient Protection and Affordable Care Act (PPACA), twenty-eight states have either filed joint or individual lawsuits to strike down the PPACA. This document will examine a few key elements that the President of the United States must take into consideration when reviewing the act and moving forward to either ratify the act, replace the act, or leave the act as it is. Topics that will be presented will include; the current issues being debated, two competing thoughts on how to fix the ACA, an evaluation of the preferred solution, and finally the responsibility of each level of government. Patient
According to the Kaiser Family Foundation, preventive health care save lives and improve health by identifying illnesses earlier, managing and treating them more effectively before the condition can progress1. Under the ACA, 15 preventive services and one wellness visit are fully covered by the majority of the insurance plans without copays and coinsurance. Free preventive health care has had a direct effect on the health care costs in the U.S. Many Americans wait to see a doctor until they get sick due to cost2. However, by making preventive health care services free it helps Americans live longer, healthier lives and keeping health care costs down. The high deductible plans paired with tax free health savings accounts compared to the ACA may be less efficient because people will face pressure to safe.
The majority of American healthcare are the low income consumers, is a total of 55% who receive health insurance are through their employers and 32% receive health insurance through a government programs. Some of the Federal health care officers were aiming low-income consumers with new advertisements. For most of the
How would you feel if someone told you to buy something you don’t want? That is what President Obama has done with the Affordable Health Care Act also called ObamaCare. Although ObamaCare says it will provide affordable health care for more Americans, which it will. Only Americans making under 400% of the federal poverty level (FPL) will qualify for cost assistance subsidies. Those barely above the poverty level who already have cheap limited coverage that were benefiting saw premium hikes go up in 2014.
The Affordable Care Act forbids health care wellness plans from inflicting a lifetime monetary value on most assistance received by Americans in any wellness plan revamping on or after September 23, 2010. While some strategies already offered insurance with no limits on lifetime aids, millions of Americans were formerly in health care wellness plans that did not. According to the Kaiser Family Foundations Employer Health Benefits Survey, a least 58 percent of all workers protected by their employer’s health care coverage plan in 2009 had some form of lifetime border placed on their assistances. In adjunct, to a least 88 percent of individuals with independently bought health insurance coverage that also had a lifetime boundary on their coverage
The Affordable Health Care Act, also known as “Obamacare”, is basically just Obama trying to make sure that the whole nation has insurance and if they do not have it by January 1, 2014, they will be penalized with a fine. To make insurance more affordable, many Americans are able to qualify for a subsidy that lowers the cost depending on age and income. Also, “Obamacare” made it impossible for insurers’ to discriminate, or charge higher rates, for anyone who has pre-existing conditions or for a certain gender. Medicare will also be easier to obtain due to requirement of insurance. This law was passed in the U.S. on March 23, 2010 by Congress and President Barack Obama.
= 2. Pros and Cons of Obama Insurance on Small Businesses The Affordable Care Act (ACA), also known as Obama Insurance, was enacted in 2010 with the aim of providing affordable health insurance for all Americans, including those who work for small businesses, amid the abundant insurance services in Homestead,
Before the Affordable Care Act was put into work, over 45 million Americans were uninsured. The Affordable Care Act, also known as Obamacare, was then made to help those who were uninsured. It allowed people with financial struggles with the same opportunity as everyone else to have a healthcare plan. Even though the law was passed in 2010, it took a full year of back and forth to get it passed in the Senate. Obamacare may help you get coverage, but charge you an annual fee if you don’t have one.
Health Care in the US is arguably available to all who seek it but not everybody has had the same experience and treatment when walking through the doors of a healthcare facility. In many cases, people are discriminated against due to their gender, race/ethnicity, age, and income and are often provided with minimal service. Differences between groups in health coverage, access to care, and quality of care is majorly affected through these disparities. Income is a major factor and can cause groups of people to experience higher burden of illness, injury, disability, or mortality relative to another group.
Introduction People hope and seeks long and healthier lives. Thus, health care is the act of taking preventative or necessary medical procedures to improve people well-being. Improvement or preventative may be done with surgery, the administering of medicine, or other alterations in a person 's lifestyle. These services are usually offered through a health care system made up of hospitals and physicians. Although, the health care system is set up to reduce or to prevent disease etc., there is a gap or disparity in the US health care system.
46.8 million Americans were reported as uninsured in 2013, which equivocates to one sixth of the population. Those without insurance have revealed that they risk “more problems getting care, are diagnosed at later disease stages, and get less therapeutic care” (National Health Care Disparities Report) and those insured risk losing their insurance. Inadequately covered citizens are often working-class individuals who simply cannot receive insurance due to uncontrollable inconveniences and therefore jeopardize having medical coverage. In these instances, Americans have a chance of being diagnosed with diseases that they had no opportunity to prevent or could not diagnose them at an early stage of the illness. Patients have suffered unnecessarily due to lack of health care, and “18,000 Americans die every year because they don't have health insurance” (PNHP).
The underinsured state is one in which people have some type of health insurance, but they don’t have enough financial coverage required to cover their medical expenses without using their income. Their medical expenses will be greater than 10 percent of their annual income, and /or their health plan deductibles equal to or is greater than five percent of their annual income (Nunley & Washington Health Policy Fellows, 2008). There are many social factors related to the situation of the uninsured status. The main reason for the uninsured status is low-income due to unemployment. Even when people have employment, they may not have the privilege of medical benefit from their employers.