Obamacare Pros And Cons

On March 23, 2013, The Affordable Care Act, was a law signed by President Obama, hence its alternative name, Obamacare. The Affordable Care Act is a health care reform. It was part of a legislation with Patient Protection and the Health Care & Education Reconciliation Act of 2010. It provided better health security for Americans with low income. It help made health insurance more affordable for them. The federal government has set up a website, healthcare.gov, which is an “insurance market” which allows people to choose their own insurance, whichever one fits their needs. It made health care more affordable for more people than before. This helped insure coverage expansion, held insurance companies accountable, lower health care lost, guarantee

For one, it helps lower the health care cost, such as discounts for seniors and protection from fraud, including benefits for women as well. It insure that the insurance companies are accountable, prohibiting the insurers from dropping one’s coverage and it also prevents premium (payment to insurance) increase. Most importantly, there are benefits for children. A child can be covered by health insurance until the age of 26, despite gender or race, the Affordable Care Act has no discrimination with its people when it comes to the health care plan. The Affordable Care Act also has some disadvantages that many conservatives oppose. There will be new taxes put in place for people with high earnings and also the health care industry. Some people are very close to reaching 400 percent of the federal poverty level (FPL), which is the limit of qualifying for Obamacare. Some may see this as going against their moral values or religion. And lastly, the U.S. is already in a debt. Why add more governmental programs when the U.S. is already struggling; it will just make the debt

Obamacare has been in a sticky situation in court that can get it repealed or reformed. In the Supreme Court Case, King v. Burwell, was a case that determined the fate of Obamacare and its consumers. On March 4, 2015, a petitioner name David King (plaintiff) argued against Sylvia Burwell, Secretary of the Health and Human Services (H.H.S.). The issue of this case was not constitutional, but it was an interpretation of the act itself. In Section 1311 of the Affordable Care Act, it states that exchanges are “established by the State”. King was questioning whether that the subsidies are only given to the states with their own exchange. In June, there were 16 states that had their own exchange while the other states relied on the federal exchange, the government. Since the 16 states had their own exchange, they can decide the Premiums for their consumers in their states. It was the Justices’ decision to decide whether subsidies were only for the states with their own foreign exchange or did it also apply to those who have insurance on federal exchange. On the 25 of June 2015, the Supreme Court has finally made their decision. With a 6-3 vote, the Supreme Court has ruled that financial help from the government will be given to Obamacare consumers to help pay for their premium despite which state they live