Obama Care Pros And Cons

The Affordable Care Act, a law enacted on March 23, 2010, provided millions of Americans with an affordable health insurance, commonly called Obamacare. Specifically, Obamacare had been enacted to help individuals who do not have health insurance while also reforming the healthcare system and keeping the healthcare spending under control. Although providing Americans with insurance who already do not have it can be portrayed as a positive aspect towards the Affordable Care Act, it comes with a cost that hurts more Individuals than it helps. These individuals will have high premiums, leaving one to pay more in premiums than they could have in a penalty cost at the end of the year. While paying for these costs, Americans will also be paying for

This type of policy limits the hospitals and doctors that the insurer can go to while also providing less coverage for patients away from home states. Legislation created tiers of insurance including bronze, silver, gold and platinum. Each tier represents how much the insurance company will contribute to health care costs: 60,70,80, or 90 percent. Each tier contains many different coverage options varying from covered medications to the networks of doctors. The Affordable Care Act mainly targeted the low-income Americans whom could not afford to buy insurance through their employers. Research on this information has proved that plans through the Affordable Care Act greatly differ from plans that individuals can buy from their employers. For example, in a recent article it states “as of late last year none of the plans available in New York had Memorial Sloan Kettering Cancer Center in their network -- an absence that would be unacceptable to many New York-based employers buying policies for their employees” (Rosenthal). This leads to another issue for out of state individuals because these plans are not offered by the Affordable Care Act, which is a problem for these individuals, while taking into consideration that policies from companies may have employees working in more than one state, therefore

Eradicating the Affordable Care Act, while replacing it with a more insurer friendly insurance, in many ways can only mean a positive change. Many individuals will be spending less out of pocket because the deductibles will be reduced, along with the co-payments. Improving the network coverages will allow patients to get the coverage from the best of the doctors and hospitals. The lives of the insured individual will not only be improved, but his/her life will be positively affected knowing that he/she will know exactly what coverage one is receiving. A repeal of the Affordable Care Act without a thoughtful transition and all-inclusive plan to maintain health insurance coverage can result in calamity that could further disintegrate the health insurance this country has strived