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Pros And Cons Of Obamacare

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In 2015, the average American visited the doctor four times a year, compared to an average of 3.3 visits in 1995 (“Health Care Use”). With this steady escalation of doctors visits among Americans, the need for an insurance plan that offers good coverage has also increased. The recently repealed Affordable Care Act (ACA), also known as Obamacare, and the new Republican Party (GOP) replacement plan both contain pros and cons regarding taxing non-healthcare insurance buyers and the wealthy, how women’s health is covered, and how older Americans benefit from the plans. When looking closely at these policies brought to light by these two plans, a clear front runner has been determined. Obamacare benefits the widest range of Americans; from low income …show more content…

Obamacare grants 47 million women the access to preventative health services, services that are needed for women because 52% of women reported that before the act they did not undergo these health screenings because of cost ("ObamaCare and Women”). Services include mammogram screenings, sexually transmitted disease tests, contraception counseling and tests, and many other services necessary in living a healthy life. With women's health being an issue that is still in debate regarding how much coverage it should receive, Obamacare gives women who can not afford these necessary screenings a chance to obtain them. Without these screenings, pregnancy complications can go undetected, cancers may not be caught, along with numerous other women's health issues. On the other hand, the GOP plan would defund Planned Parenthood, the organization that provides many of the free screening services to women. Also under the GOP plan, insurance companies still can not charge women more than men, but it allows insurance agencies to charge more if the patient has a pre-existing condition and has a gap in their coverage (Thomson-DeVeaux). While Obamacare granted many services to women in need, the GOP plan instead takes away those privileges and lets people who are sickly be charged more. Former presidential candidate Hillary Clinton, strongly …show more content…

Yet, the new replacement plans raises costs for the older Americans. Unlike the GOP plan, Obamacare limits how much insurers can charge this demographic, stating that they can only charge them up to three times the amount as young Americans (Zurcher). Mainly due to retirees not having a steady income, Obamacare has put this cap on how much insurers can charge. With older American’s health deteriorating and needing more health care, they are able to receive the care they need without having to pay for it all out of savings. With the GOP replacement plan, insurers can charge the older population up to five times the amount of younger consumers of health care and can let the states choose their own ratio (Zurcher). As Americans get older, their need for health care increases, meaning that their cost for insurance will also increase. Charging older Americans more than younger Americans does not take into consideration that the elder generation has no income, since most of them are retired. As stated before, the GOP replacement plan will not issue a tax penalty if a person does not purchase health insurance, instead they are issuing tax credits. These tax credits are based off of age and income, which will take a toll on the retired (Belvedere), which answers the previous question of where the money is coming from. While older Americans

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709 Words | 3 Pages

The Obama administration created the Affordable Care Act (ACA) to be able to provide a more suitable and available health care plan to Americans; this was achieved with the Democratic party in the majority for both the Senate and the House of Representatives. The Republican party has built its platform on trying to get ACA repealed; however, they have a majority in both houses of Congress and have taken control of the executive branch but have not been able to repeal and replace Obamacare. The measures taken to repeal Obamacare have failed because of the party’s majority opinion of the health care plan and factions in the party. In 2008 during the Obama administration, the Democratic party had a majority in the House of Representatives and

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Congress needs to act and make sure that the insurance markets in place are stable and can sustain further growth if needed for improved markets. Reduce the costs in the individual and small group markets by liberalizing insurance rules, particularly the federal benefit and insurance rating rules, which artificially drive up premium costs for younger families. Reduce the costs of employer-sponsored insurance. Administratively, this can be done by liberalizing the “grandfather rules”, thus allowing employers greater flexibility to alter or modify their plans, delaying the employer mandate reporting and penalty requirements.

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A requirement for people to maintain “continuous coverage”—to take an example supported by the new Secretary of Health and Human Services, Tom Price, and Speaker of the House Paul Ryan—would mean that people who lose their insurance temporarily, because they, say, change jobs or suffer a financial setback, would also lose their preëxisting-condition protections. For these people and for others left behind, Price and Ryan advocate state-run “high-risk pools.” But, in the thirty-five states that offered high-risk pools to the uninsurable before the A.C.A., inadequate funding delivered terrible coverage, with extremely high premiums and deductibles, and annual limits as low as seventy-five thousand dollars. Hardly anyone signed

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672 Words | 3 Pages

These subsidies are based on income, age and geography. These subsidies will be eliminated under the new plan and it would be up to the states to determine if they wanted to use money from their block grant to provide subsidies. Cost-sharing subsidies would also be eliminated. Another way people will be able to cover their healthcare costs is thru a health savings account, which currently Individuals can contribute up to $3,400 and families up to $6,750 to pretax. The new plan will allow people to contribute more, making HSAs more attractive.

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Once again as mentioned earlier, Obamacare doesn’t create insurance; it regulates private insurance to ensure you get more rights and protections, and in doing so, helps tens of millions get access to high-quality Affordable Health Insurance. Of course, the health care reform is not without its costs. In order to meet the amount of money needed to help insure the vast amount people, there has been an implementation of new taxes (mostly on high-earners and the healthcare industry). The taxes that may affect you directly are the individual mandate and the employer mandate. In anticipation of the employer mandate, some businesses have decreased employee hours.

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Currently, the two main atrocities of Obamacare include the cost and the fact that making Americans purchase government issued healthcare was micromanaging. Based on the research surrounding the opposition to Obamacare, an improved plan could be funded in part by changes in the tax money. Making the top 5 percent of earners pay a more fair share and reducing the lower and middle-class population’s share would balance the costs and make it more affordable. Also with some of the tax money, a government non-profit insurance company could be established to offer more choices. Some research points to interest in letting people shop for their preferred insurance plan nationally as well instead of having to remain an in-state consumer.

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One of the biggest promises Donald Trump made during his campaign was to find a remedy for the Patient Protection and Affordable Care Act, which was passed by Congress and signed into law by President Obama in 2010. The original plans for a revision of the plan soon turned into a, “Repeal and replace” rallying cry for Republicans and those adversely affected by the ACA. As the American public’s opinion that healthcare is a fundamental right to all citizens has increased over recent history, President Trump will be expected to produce a plan that will attempt to fulfill the promises of Obamacare. Republicans hope these promises, such as expanding access to health insurance, protecting patients against arbitrary actions by insurance companies

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And to stop setting lifetime and annual limits on benefits, and to increase covered preventive care. The law also establishes minimum standards for health insurance policies, offers subsides for low-income for individuals and families. It will expand Medicaid coverage and reforms Medicare reimbursements, and fines businesses that have more than 50 full-time employees that don’t offer health coverage. But if a person does not get insurance through Medicaid, Medicare, or employee-sponsored insurance, then they must get it through a private company.

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The recent debate about health care has been argued since the early 1990s with the introduction of the Clinton health care plan of 1993, which was pushed by the former First Lady, Hillary Clinton. In the most recent arguments about the state of the United States’ health care system, and repealing and replacing the Affordable Care Act, the Graham-Cassidy health care bill is the newest in line to help reform the health care system to make it better for the government and for the citizens as well. Although, the bill has not come without its own internal and external criticisms as well. There are two opposing viewpoints either than the Graham-Cassidy bill is not doing enough for the free markets or that it is going to harm the current status quo.

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On the one hand, the expansion in coverage has paved the way for high quality and affordable healthcare for millions of Americans who could not afford the same. In Obamacare’s Ups And Downs, As Seen by a Republican Doctor, Francine Kiefer informs her readers that since the ACA, national statistics showed that a record low of “8.6 percent of people” did not have health insurance by the first quarter of 2016 (par.20). In South Tucson, Arizona, a “$5 million federal grant” to the El Rio Community Health Center set the foundations on which the people could access the same level of health care they could if they had access to private practices (Kiefer par.23). That is so despite the truth that most of the patients [60%] “live at or below the federal poverty line” (Kiefer par.23). On the contrary, and in an undeniable liability, there is the mandate that all persons ought to “carry health insurance” (Kleinke par.6).

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One aspect of the ACA that the GOP has taken issue with is the individual mandate,

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An article from USA Today, “What would the Graham-Cassidy health bill mean for you?” written by Eliza Collins, talks of the changes Republicans are making in an effort to repeal and replace the Affordable Care Act (ACA), also known as Obamacare. Senators Lindsey Graham of South Carolina and Bill Cassidy of Louisiana have been working on the healthcare bill for months, revising and eliminating major sections of the nation’s health reform law enacted in March of 2010. Obamacare has helped over 20 million Americans by providing affordable and accessible health insurance which increases the amount of people that have coverage. Some of the consequences that come from the ACA is money being allocated to public health and prevention programs which will lower the cost of spending on health care. According to the American Public Health Association, “by funding community-based public health and prevention programs, and by supporting research and tracking on key health measures, the ACA can help begin to reduce disparities, improve access to preventive care, improve health outcomes

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The Patient Protection and Affordable Care Act was signed law March 23rd, 2010 by President Obama. The Affordable Care Act is a health care reform that provides Americans with insurance and makes it more affordable as well as giving the recipient more options for places to go. An example of this would be able to choose between four doctors instead of two. The Affordable Care Act also provides people of a wide age range with better options for health insurance. As a result of the Affordable Care Act, many uninsured people are receiving medical attention, young adults can stay on their parents’ insurance plans longer, and Medicare and Medicaid have improved plans.

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Meaning healthy people can move to Trumps new plan and pay much lower premiums, while other with illnesses must use Obamas plan and pay much more. This new plan will also allow insurance

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633 Words | 3 Pages

Because I am old, health insurance will be too costly – Obamacare has offered solution for this problem too. Even though insurance providers are permitted to charge higher premiums as per advancing age, there is a limit as to how high can they go. Now, the premium on a health policy for the elderly cannot be more than thrice the premium for the health plan’s younger

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