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Argumentative Essay: The Affordable Care Act

1057 Words5 Pages

With the increase of health care premiums, hidden administrative costs, high cost of prescription drugs along with defensive medicines these costs are eating up working the American raises. These are a few reasons working Americans can’t get ahead financially.
As of January 1st health care premiums increased twenty-five percent for 2017. Between 2015 and 2016 the increase was about 4%. In 2016 the standard annual premiums were about $18,142 for a family of four that was fully covered. These costs also affect the employer large or small.
Since the implantation of the Affordable Care Act (ACA) or Obamacare in March 2010, here in Georgia the rates and coverage have not gone over very well according to recent state health rankings. States like Kentucky and Arkansas have successfulness decreased their uninsured health care recipients. But Georgia has not …show more content…

Yet the main goal of Obamacare was to make health insurance more affordable and available to those who could not get coverage previously. In order to achieve this policy, the new act made health insurance mandatory. If you fail to carry coverage you can potentially be fined. The law also prohibits all health care companies like Humana, WellCare, and Blue Cross Blue Shield from charging higher premiums to patients with pre-existing conditions. Children and young adults up to the age 26 can remain on their parent’s medical coverage.
I am a living witness to these financial burdens. In 2010 I was diagnosed with stage two breast cancer in my left breast. Unlike many other breast cancer survivors I did not have to undergo a mastectomy just surgery to remove the cancerous lump. I also went through eight rounds of chemotherapy and weeks of radiation therapy. My private troubles had now become a problem that so many Americans face socially; a financial

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Before the Affordable Care Act, Health Care in the United States was obtained in multiple ways. Approximately 33% of Americans received their health care from Medicare which is Health Care for the elderly, Medicaid which is Health Care for the poor, Tricare, and VA. Privately provided Health Care accounted for 50% of Americans, and 16% of Americans were uninsured. 16% equates to about 50 million people. Two major problems faced in the American health care system before the Affordable Care Act, 16% of the population was uninsured and health care costs were rising rapidly.

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The United States no longer posses the ability to effectively drive down premium costs through the means of insuring healthy people. For example there is a town with ten houses, and, on average, one house a year burns down. If no one in the town pays for insurance they have a 10% chance of their house burning down each year. If everyone in the town pays insurance they spread the risk because no matter whose house burns down no one will have to pay anything as the insurance company will cover the cost of the house that burns down each year and make a slight profit. This is the same logic applied to the whole medical insurance market.

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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).

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While many political issues are controversial the major issue that seem to be always currently up is the Affordable care act which is commonly referred to as the Obamacare. There is a vary of opinion on the Health care act and how it will have a positive or a negative effect on the people of American. However, it does transfer the cost of healthcare from employers to the government. So, how is Affordable health care act debates as it relates to the Hospitality industry.

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The Affordable Healthcare Act passed in 2010 by the Democrats, meanwhile the U.S. House and Senate Republicans remained unanimous in their opposition of the act. The Republicans promised to replace the bill with a better plan if a Republican were to be elected. Even though the republican won majority control of the U.S. House in 2011 and the senate in 2015, President Obama made sure that there were not any changes to the policy. In the recent election, Republican, candidate Donald Trump won the election. President Trump has threatened to repeal and replace Obamacare throughout his whole election.

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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.

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Good evening Carol. I agree with you that the health care market is very unstable, there are still many issues, and now that you have more insurance dropping out because they have so many markets opens but the premiums are still too expensive for individuals to purchase. NO, when the TrumpCare (Better Care Reconciliation Act) comes into action, it will allow individuals to drop their insurance if they do not want it and will not get fined for it. According to Kimberly Amadeo from the Balance, she states the Affordable Care Act benefited more to the middle class more than the poor and that it does not give illegal immigrants access to it (Amadeo, 2017). By doing this it stopped then by using the costly emergency room that the government would have to eventually have to pay.

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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.

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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.

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