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Pros And Cons Of The Affordable Care Act

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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

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