ipl-logo

Pros And Cons Of The Affordable Care Act

426 Words2 Pages

The Affordable Care Act (ACA) is legislation that was passed in 2010, to increase health insurance coverage for the citizens of the United States. Since the ACA has been implemented, I believe it has had both positive and negative feats. One aspect about the ACA I like is that it helps expand Medicaid to individuals living under 138% poverty level. In July of 2016, this directly applied to me. If an individual doesn’t have enough money, they won’t get penalized for not having insurance, however, to be in the School of Pharmacy, it is a requirement to have insurance. The insurance through the school cost ~$2,200 per year. As an individual, that is working two-part time jobs and living off the refund from student loans, this helps a lot. Another positive outcome is that individuals with pre-existing conditions were able to purchase insurance. Now that the people with health issues can get the treatment they need. However, I also know individuals that have insurance through ASA, and their premiums …show more content…

The employer mandate makes employers insure their employees if they have more 51 or more. I don’t understand why the federal government has to intervene with the terms and conditions between the employer and the employee. It makes it difficult for the employer to hire more employees, make profits, thrive, and innovate if they are force to give their employees medical insurance. This would also be hard for smaller business to grow. The ACA also makes individuals who doesn’t have or want medical insurance pay a penalty. Individuals who simply can’t afford ACA are exempt, everyone else is not. To me, it feels like taking personal responsibility away from the general public, we should be able to make this decision without any adverse consequences. However, if an individual didn’t want/have medical insurance because they were healthy and they became ill, they should have higher premiums because they took the

Show More
Related
174 Words | 1 Pages

The affordable care act is a United States statue signed into law by President Obama in March of 2010. It represents the most significant improvement to the U.S. healthcare system since 1965 with the addition of Medicare and Medicaid. Also known and commonly referred to as Obamacare, it was enacted to increase the affordability and quality of health insurance, diminish the rate of the uninsured by expanding public and private insurance coverage while reducing the cost of healthcare for individuals and the government. This law will require Hospitals and doctors to reconstruct financial practices along side with technologically and clinically to advance better outcomes, reduce cost and improve methods of accessibility.

Read More
269 Words | 2 Pages

The Affordable Care Act was a health care act that was established by the federal government to expand and improves access to care and curb spending through regulations and taxes. Each state could decide to participate or not. The act was adopted as law by US Fisher02 President Barrack Obama in March 2010. The goal of this act was to reform the current health care in the United States.

Read More
187 Words | 1 Pages

The Affordable Care Act, (ACA) often referred to as Obamacare, was signed into law March 23rd, 2010 and has quickly become a nightmare to millions of citizens nationwide. While there were fortunate people who benefited from the heavily subsidized and affordable healthcare that was not readily available before ACA was passed, many more people found that their once affordable healthcare was no longer an option due to new ACA requirements (how so?). ACA was designed to extend insurance benefits to roughly 30 million uninsured Americans. The Obama administration aimed to extend Medicaid and provide federal subsidies so lower and middle-class Americans could afford to buy private insurance. This act alone forced millions of Americans out of their

Read More
1444 Words | 6 Pages

There are much more benefits with the act including that “More than 16 million Americans obtained health insurance coverage within the first five years of the ACA” (The Pros and Cons of Obama Care) The act will protect those who have the health care in the future, especially young adults that are still students in school. Overall, the act is great for millions of people especially that don’t have a stable job, young adults and many with families to support, and people who retire and can’t afford paying so much money for medical

Read More
1124 Words | 5 Pages

The Affordable Care Act The Affordable Care Act is a bill intended to increase the quality of health insurance and lower the costs that Democrats proclaimed would help everyone in the nation, regardless of their ability to pay and regardless of any preexisting condition they might have. Additionally reducing the number of people in the United States not covered by any health care insurance. The Affordable Care Act is the most comprehensive reform to the health care system since the implementation of Medicare and Medicaid in the 1960s. More than 190 years before that, when creating the Constitution, the founders of the United States worked hard creating a system of checks and balances as one of the most important principle aspects of Government.

Read More
943 Words | 4 Pages

The Affordable Care Act is a United States Healthcare reform law that expands and improves access to care and curbs spending through regulations and taxes according to ObamacareFacts. This law was created to eliminate the social injustice of insurance companies denying insurance coverage to people with life threatening diseases and to make healthcare more affordable for those who cannot afford it currently. Although the Affordable Care Act has allowed many people to have access to healthcare that once couldn’t before, the ACA has negatively affected small businesses and the working class by increasing premiums and periodic payments. Small businesses got the short end of the stick when it came to Healthcare. They are being forced to pay more to provide their employees with healthcare insurance.

Read More
1236 Words | 5 Pages

There are way too many people with diseases and health problems to just ignore it. Allowing something like this to get through a bill is so dangerous, because so many people could possibly be without coverage. Not everyone in the world has money to afford increased rates, so changing the bill and protecting pre-existing health conditions would make a big difference. There is a reason ACA was created to protect the people, as in the past “Prior to the ACA, insurers could discriminate against consumers based on their current health conditions and medical history” (Gee) so it would be absurd to remove it already. It is important that bias actions like these never happen again and this would be the best recommendation for the bill.

Read More
650 Words | 3 Pages

“The Patient Protection and Affordable Care Act (PPACA) – also known as the Affordable Care Act or ACA – is the landmark health reform legislation passed by the 111th Congress and signed into law by President Barack Obama in March 2010.”1 This law was enacted in a bid to improve quality of health care, access and affordability of treatment for Americans.2The ACA significantly expanded existing health laws such as the Medicaid and SCHIP (State Children Health Insurance Program, also known as CHIP) in order to reduce the number of uninsured and improve health insurance coverage to Americans. In the United States of America, Medicaid is the largest health insurance program covering nearly 70 million Americans with low income and persons with disability.3 CHIP on the other hand provides health coverage at affordable rate to children in families whose income is too much money to qualify for Medicaid.2 The ACA created a new coverage avenue for uninsured adults who were not eligible for and/or enrolled in the Medicaid program, this was done by expanding eligibility for non-elderly adults (under age 65),

Read More
523 Words | 3 Pages

The Affordable Care Act, also known as ACA, PPACA, or “Obama Care” was signed into law by president Barack Obama in March of 2010. It was a law that addresses the idea that all Americans should have access to affordable health care. It’s goal is to make affordable health insurance available to more people by providing subsidies that lower costs for those with incomes between 100% and 400% of the federal poverty level (ACA, 2018). That is a measure of income recorded every year used to determine if one is eligible for certain benefits provided by the state. They also work forwards expanding the Medicaid program to cover all adults with income below the federal poverty level and lower the costs of healthcare generally.

Read More
675 Words | 3 Pages

The ACA requires most people living in the United States to purchase or acquire health insurance. The ACA is necessary to improve health care in a variety of ways, particularly with costs. Basically, the ACA is essential for all Americans because, at some point in everyone’s life, there will be inevitable yet unpredictable health care costs to cover. Those costs are extremely hard to cover without insurance and care provided for no charge will be at the expense of another consumer forced to pay an inflated price. I believe that there is no real difference between the expansion of Medicaid under the ACA and changes made to Medicaid in the past.

Read More
715 Words | 3 Pages

For instance, the ACA was known as the health care reform, which has had many failed attempts to pass in Congress because of the controversies the Democratic and Republican parties had about the bill. According to Smith et al. (2014), the impact of the ACA has increased the amount of patients who are seen on a daily basis in a hospital, by decreasing some of the cost for patients and ensuring that majority of the American people have healthcare coverage. Having medical insurance prevents taxpayers from being fined when they file their taxes. However, since there are still some individuals who are uninsured, they are fined by the government during tax season, thus increasing their expenses even

Read More
776 Words | 4 Pages

Insurance companies set limits on the amount of money they would spend on an individual consumer. • More Screenings Are Covered • Lower Prescription Drug Costs. Disadvantages of having the Affordable Care Act • Many People Have to Pay Higher Premiums. • You Can Be Fined if You Don’t Have Insurance.

Read More
461 Words | 2 Pages

Few issues have generated controversy as intense as the Affordable Care Act (ACA), often called Obamacare. Many employers have objected to it as increasing their cost of doing business; they, and many politicians as well, have objected to various mandates of the act that they regard as not falling within the legitimate scope of government. Others have argued that the ACA seeks to lower costs, or at least lower the rate at which costs increase, and that it addresses a number of issues that polling indicates are popular with the American public, such as being able to purchase insurance with a preexisting condition, children staying on their parents' insurance until age 26, and no lifetime caps on medical expenses. In general, its supporters argue

Read More
396 Words | 2 Pages

The Affordable Care Act (ACA) was passed in March 2010 to deal with America's preexisting medical crisis (pg. 682). Before the ACA there were two main factors leading to the health care crisis, "the increasing cost of health care and the failure to deliver a decent minimum of health care to everyone in need of it" (pg. 693). Furthermore, the cost of health care continued to rise but unfortunately, the health of Americans did not match this trend (pg. 693). Also, because health care used to be tied to employment many people went uninsured because they didn't have employment or because the cost of an employee's insurance was too high (pg. 687). If a person had employment and was able to pay, he or she could still be turned away due to a pre-existing condition (pg.

Read More
428 Words | 2 Pages

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.

Read More

More about Pros And Cons Of The Affordable Care Act

Related Topics

Open Document