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The Affordable Care Act (ACA)

1399 Words6 Pages

The United States has always relied on private health insurance to allow people to access health care. Even though the United States has relied on those private insurance companies, the government has implemented programs like Medicare, Medicaid and State Child Health Insurance (SCHIP). Medicare helps the elderly, Medicaid helps the poor and SCHIP helps the children of the working poor. These programs helps certain groups of people in America, but these programs are not enough to help everyone across the nation. In hopes of helping every person across the nation, The Affordable Care Act (ACA) created and signed into law by President Obama. The Affordable Care Act helps low and middle income families pay for health insurance. The ACA was intended …show more content…

The Affordable Care Act is currently the healthcare act that is implemented in America, and although this act is implemented in American society, there are many people who do not know the impact of this act has on their health insurance. The Affordable Care Act is also known as ObamaCare or Patient Protection Act. ObamaCare is a simple label for a complex subject. In 2010, President Obama signed the Affordable Care Act into law, in hopes of decreasing the amount of uninsured Americans and decreasing the costs of insurance. With this act, it is mandated that every American must be covered by insurance. If a person is not covered by health insurance, they will face a tax …show more content…

People still remained uninsured due to the high costs of insurance coverage. Now, Americans will be able to pay for the costs, “The new law opens the door to the healthcare system for these uninsured Americans and ushers them inside with financial assistance so that they can get basic coverage, either through Medicaid...or subsidized health insurance via exchanges” (Tate 13). It is important that Americans will be able to get financial assistance with the ACA because they are able to get at the least basic coverage, which will then decrease the amount of uninsured Americans across the nation. If Americans are still not uninsured and cannot afford health insurance, they are able to get covered through Medicaid. The Affordable Care Act has worked on the eligibility of Medicaid, which has filled in the gaps for the poorest Americans by creating a minimum Medicaid income eligibility level across the nation. Most Americans will be covered through their employer. One of the other problems that caused Americans to be uninsured was because they were not offered employer sponsored coverage.
The other main objective of the ACA was to decrease the costs of healthcare insurance. With the Affordable Care Act, Americans will be able to afford insurance, or at least basic coverage (minimum essential

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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

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Between 2010 and 2050, the United States population ages 65 and older will nearly double, the population ages 80 and older will nearly triple, and the number of nonagenarians and centenarians—people in their 90s and 100s—will quadruple. (KFF, 2015) Trustees of Medicaid are forecasting that in 2024, Medicaid will start running out of funding. Although there is little evidence in the trustee’s projections it is still something that needs to be looked as more and more people are getting older and are needing benefits vs a number of people putting in. Every day there are 10,000 people turning 65 or older.

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According to the Kaiser Family Foundation, there are currently 3 million Americans in the coverage gap; there is a substantial number of Americans the Act does not address. The Affordable Care Act, as with any major legislative action, has its advocates and viewpoints. Supporters of the Affordable Care Act point out that the Act allowed Americans, who would not be able to afford health insurance without federal assistance, to purchase affordable health insurance. Through coercion, the Act has decreased the number of uninsured; nonetheless, a minority of Americans have benefitted from federal subsidies whilst the vast majority of Americans have endured a great deal of suffering. Another alleged consequence of the Affordable Care Act is the improved quality of care-- a major fallacy.

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The Affordable Health Care Act, also known as “Obamacare”, is basically just Obama trying to make sure that the whole nation has insurance and if they do not have it by January 1, 2014, they will be penalized with a fine. To make insurance more affordable, many Americans are able to qualify for a subsidy that lowers the cost depending on age and income. Also, “Obamacare” made it impossible for insurers’ to discriminate, or charge higher rates, for anyone who has pre-existing conditions or for a certain gender. Medicare will also be easier to obtain due to requirement of insurance. This law was passed in the U.S. on March 23, 2010 by Congress and President Barack Obama.

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.” Health reform has the potential to help by providing premium assistance and lowering out-of-pocket costs” (Schoen et al ,2011). Affordable Health Care Act 0f 2010 can also be referred to as Obamacare was implemented to help Americans to have access to affordable and quality healthcare services. It has drastically the number of uninsured and underinsured individuals. Those with chronic medical conditions on high bills with little income and are underinsured between 2003 and 2012 increased by almost 80%, although, they have an insurance plan with inadequate coverage which makes them open to costs they cannot pay.

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