In the United States, health insurance is deemed a luxury by many Americans who dream of one day acquiring it. To those individuals, the “American Dream” is being able to have a stable job, live in a proper house, and being able to have packaged insurance. Not many people can say that they have the trifecta of insurance: health, dental, and vision. The Affordable Care Act has had a significant impact on the healthcare system in the United States, but the Tax Cuts and Jobs Act of 2017, has changed what we have perceived to be as normal. With such changes, I believe that it was a change for the better because people don’t feel the need to be pressured to have it, especially those who are not in a finically stable position, they now have an opportunity …show more content…
Also known as Obamacare, this act was a way for people to be able to obtain healthcare in another way much different from its traditional route. However, once the Tax Cuts and Jobs Act of 2017 passed, it gave people more of a choice by allowing them to purchase healthcare insurance or not. Nevertheless, before both acts were instated, healthcare insurance companies made all the decisions for their providers like denying people coverage if they had expensive chronic illnesses. “Before the ACA, insurance companies used medical underwriting to determine whether to offer a person coverage, at what price, and with what exclusions or limits based on the person's health status; the purpose was to ensure a healthy risk pool by requiring people to pay premiums that reflected their expected medical costs.” (National Academies Press (US), 2018). Personally, my opinion on the matter of the removal of this individual mandate is that I think of it as a good cause. Even though I believe that everyone should be able to have some form of universal healthcare, that is unfortunately not how our government works. People who are homeless, retired, laid-off, or young individuals who aren’t making enough, among other reasons, won’t be …show more content…
While the people who decide to put food on the table, pray that they don’t ever have a reason to make a trip to the doctor’s office. Many people in the United States often take having insurance for granted because of the privilege they have. For those individuals, who wish that they can afford insurance to bring peace to their mind from what looks like a concerning mole out of their head. However, those people who can pay the money to afford healthcare don’t always receive the best care and end up paying more for that what they have received. “An estimated 112 million (44%) American adults are struggling to pay for healthcare, and more than double that number (93%) feel that what they do pay is not worth the cost.” (Morse, 2022). Though if we are faced with the verdict of choosing to pay the fine to save money or pay for more coverage, I would choose the latter and pay for more coverage. My reason behind this decision is why would have to pay money to not have insurance when I can pay a little bit more just to have it. I understand that you are paying to save money, but at the end of the day, you are still paying money to not have insurance. Seeing as we live in a world where unintentional injuries are one of the leading causes of death and where chronic illnesses like diabetes are labelled
The individual mandate, which requires most Americans to carry a minimum level of health coverage, is actually still in effect for 2018-meaning that you may have to pay a steep tax fine if you don't have health insurance, for one thing. Even after the individual mandate repeal goes into effect the following year, Obamacare's individual insurance markets, federal subsidies to help Americans pay monthly insurance premiums, and Medicaid expansion in the dozens of states that implemented it will all still be in effect barring further Congressional action. The entire point of Obamacare's individual mandate is to make sure that it's not just sick people who are buying health insurance in these markets. Therefore, repealing it would mean millions of people could become
.” Health reform has the potential to help by providing premium assistance and lowering out-of-pocket costs” (Schoen et al ,2011). Affordable Health Care Act 0f 2010 can also be referred to as Obamacare was implemented to help Americans to have access to affordable and quality healthcare services. It has drastically the number of uninsured and underinsured individuals. Those with chronic medical conditions on high bills with little income and are underinsured between 2003 and 2012 increased by almost 80%, although, they have an insurance plan with inadequate coverage which makes them open to costs they cannot pay.
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.
The Affordable Care Act, also termed Obamacare, states that medical plans have to offer minimum coverage and that no one can be turned down from a plan for medical reasons or pre-existing conditions. There are also some treatments that must be provided to individuals no matter what plan you have or insurance company you purchase insurance from. Medicare is a federal program that provides health care to individuals who are 65 years old or older or to individuals who have a severe disability. These individuals are covered no matter the income they have. Medicare is split into multiple parts that cover different aspects of health coverage.
My knowledge basically stopped at the fact it was a healthcare plan. Then I learned that it’s name isn’t even “Obama Care”. The actual authorized name is the ”Patient Protection and Affordable Care Act”. It was set it 2010 while Obama was president, hence the nickname “ObamaCare”. The goal was to make healthcare easier to access with more reasonable prices and quality service.
First, I believe that it is unfair to force Americans to have health insurance in the first place. Just like it is your prerogative to choose whether or not you have cable, you should be able to choose whether or not you're going to insure yourself. In a perfect world, there is no reason to not have health insurance. Unfortunately, in today’s America, poverty-stricken families are not uncommon. For most of these families, health coverage was out of the budget.
Healthcare is very important: It gives you insurance for accidents, injuries, births and deaths. It could help a person pay for their elderly relative getting sick; for a new driver getting into a car accident; or a new baby entering the world. Healthcare is a topic that is usually overlooked, especially by millennials; which is one of the reasons I chose this topic. With the topic of healthcare constantly popping up left and right (and changing) over the past few months, it’s very important now more than ever to stay educated about the constant healthcare bill changes, and definitely if you are old enough and have enough money to legally own and pay for healthcare. And though, ironically, my family doesn't own any of the following types of
This is a major positive effect on health and nutrition services. Registered Dietitians will now be reimbursed by Medicare when working with primary care providers for primary prevention steps and treating risk factors of cardiovascular disease and obesity.3 A major provision that the act provides is that it requires that the majority of U.S citizens have health insurance. Additionally, the Medicaid program expands to the nation’s poor and private insurances cannot deny anyone coverage who has prior conditions or diseases.4 According to Dalen, et al., since the law became an act, “Americans without health insurance decreased from “18% in 2013 to 13% in 2014”.5 Young adults now have the option to have coverage available until the age of 26 which reduces the worry of graduating and not having insurance
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 affordable care act should stay in effect because even though it may cost more, it regulates private insurance to get more rights and protection for each person. The Affordable Care Act's purpose was to help give access to affordable health coverage to those who are uninsured. Back in 2009, President Barack Obama said," So let there be no doubt: Health care reform cannot wait, it must not wait, and it will not
Obama Care also known as the Affordable Care Act signed in by president Barack Obama in 2010, This was to insure that all the Americans will have free access to medical care if they got sick and it would will help reduce the growth of healthcost spending in the country, hence in economic and stability growth among the citizens of America. Right now in the USA the ObamaCare law is a permanent part of the landscape, The USA republicans said that, despite the high court decision upholding various subsidies, the law itself remains the largest and dangerous threat to health care. Although it has its own benefits, Obamacare is increasing costs for hardworking families. Republicans argue that many people have to pay higher costs or see their former policies canceled. Which is leading to poor economy and increasing of debts and deaths within the country.
Healthcare is something everyone needs and should be able to get, but right now that is not happening. In America there are millions of people who don’t have healthcare insurance. This is because some can’t afford the insurance plan. There are also millions more who have health insurance, but can’t afford using it. This means that they are paying for an insurance plan, but the deductibles are so high they can’t afford to go to the doctor.