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The Pros And Cons Of Medical Insurance

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When foreigners arrive at the United States, medical insurance is one of the most difficult topics they struggle with. How much is it? Which provider should I choose? What kind of insurance plan would fit my needs? Hollywood movies portray people without a medical insurance as homeless, poor, or unsuccessful. Honestly saying, I am not afraid to lose my job as much as I am afraid to lose my medical insurance. Unregulated medical charges and increasing drug prices make us slaves of giant pharmaceutical groups. According to the performance-management consulting company, Gallup, 58% of U.S. adults favor the idea of replacing the law with a federally funded healthcare system that provides insurance for all Americans (Gallup). In 2010, President Obama signed the Affordable Care Act (ACA), known as Obamacare. Obamacare has a lot of pros and cons, so I will try to cover the most important parts of it. One of the positive things I personally noticed is that patient cannot be turned down by an insurance company because of a pre-existing condition. Another good side of this law is that people with low incomes would contribute even less because medical expenses are covered by additional …show more content…

Society was afraid of changes and uncertainty, some of the promises President Obama made turned out to be untrue. One of the vivid examples was a promise that patients could continue using their current insurance plans and utilize services of any doctor they wanted. Besides all of this, people were not able to sign up because Obamacare website was overloaded with requests and could not perform under such a high load. Time has passed, and a portion of unsatisfied consumers dropped significantly. CNBC reports that “A total of 77 percent of people with private Obamacare plans and 88 percent of people on Medicaid said they are "very" or "somewhat satisfied" with their coverage according to the Commonwealth Fund

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The article “The Ground is Shifting Under Obamacare” by Scott Rasmussen is very insightful and explains the flaws of Obamacare as a whole. I believe that Obamacare was not as successful as it should have been and he explains that it is not logical to expect everyone to want the same full coverage health care with the same expensive premiums. “The reality is that there is no one-size-fits-all solution to health insurance. Different people have different needs and preferences.” This section of the article really helped me understand what he meant, when explaining why Obamacare didn’t and never will work.

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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.

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President Obama spoke to the American people that government run health care with higher taxation, larger prices, and letting the insurance agencies operate with little to no rules were “wrong”. It was to improve and provide all Americans with affordable health care and easier access to doctors and medical care and offer subsidies

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In reviewing “Political Irony” there were three keys points regarding reviews of Obamacare that left me confused as well as lost in its benefits. It appeared that the Obamacare provides an incomplete explanation of it benefits to the public. Although are some advantage to the people who has preexisting conditions and the people who had no insurance, yet it did not appear that much progress have been given to the people that could cannot afford to pay for health care. The Obamacare provides an incomplete explanation of it benefits to the public, it does not give details of the benefit of the Patient Protection and Affordable Care Act.

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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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Another great thing is that the “Large employers must offer coverage to full-time workers by 2015/2016” (ObamaCare: Pros and Cons of ObamaCare) This will provide a base that full time workers will have Medicare while they work. The Act doesn’t only gear towards adults but also young adults that started their full time job to have their medical bills paid for a good

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A Second Look at the Affordable Care Act David E. Mann, ABA American Military University POLS210 Abstract Since the passing of the Patient Protection and Affordable Care Act (PPACA), twenty-eight states have either filed joint or individual lawsuits to strike down the PPACA. This document will examine a few key elements that the President of the United States must take into consideration when reviewing the act and moving forward to either ratify the act, replace the act, or leave the act as it is. Topics that will be presented will include; the current issues being debated, two competing thoughts on how to fix the ACA, an evaluation of the preferred solution, and finally the responsibility of each level of government. Patient

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The external environment around Obamacare consisted of the citizens of America as well as the politicians who represented them. Americans up to 2010 were not receiving the health care they so direly needed. A population recovering from recession in 2008 coupled with high medical costs, led to a concerning amount of Americans not getting the medical care they need. In 1999, 9% of the American population did not get the health care they needed because of cost; this number jumped to 15% in 2009. This problem was even more evident for the numerous Americans who were uninsured.

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The affordable care act, also known as Obama care has been working in America. The plan is far from perfect and will not cover every American who is need of care, but it made a dramatic impact on the state of health care in America. It has made the system better because it has put more money into doctors and hospitals and it has also allowed more people to get covered by health insurance plans. The quality of care his seen an increase in the quality of care, according to the publishers of The Affordable Care act is Working (2015) state that since 2011 there has been an improvement in patient safety and the number of hospital readmissions for avoidable cases has been reduced. This is related to fact that more people are covered; since the act can have

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Additionally, Obama Care was responsible for bringing down the number of uninsured Americans from “41.3 million in 2013 [to] 28 million” (Jacobson par. 4), which is definitely a huge accomplishment. In other words, Obamacare was able to drastically bring down the number of uninsured people in a short period of time of 7 years. According to the Rand Corp, however, the repeal of the ACA could lead to “15.6 million uninsured people” (Jacobson 9), which could lead to a more disastrous setting in America. With many uninsured Americans roaming the streets, the federal government will lose the opportunity to receive even a little money from low-income families, but at the same time, will be putting many at

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With this statement, Rush Limbaugh sums up the Affordable Care Act, which was signed into law on March 23rd, 2010. The Affordable Care Act, or Obamacare, is a major overhaul of the national healthcare system, because it’s supposed to give health insurance to 32 million uninsured Americans by 2019 (Thomma, Steven). However, it needs to be repealed because it is simply an aggressive declaration of government power, and its financial burden

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Nowadays, Obamacare has been a controversial topic in the U.S.. The current government may change ACA, but the data show that more Americans claim that universal health care coverage is the responsibility of the government. They think Obamacare brings many benefits, including addressing the problem of expensive health service costs and ensuring that most people have access to health care. However, the survey shows continued differences on this issue of race; African American, Hispanics and non-Hispanic whites. Nevertheless, ethnicity as well as income, determine the willingness to agree.

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The United States is the only Western nation that does not authorize free health services to its people. The cost of healthcare to the uninsured is beyond prohibitive, and insurance plans are far more captivated with profit costs, rather

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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.

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Obama Care also known as the Affordable Care Act signed in by president Barack Obama in 2010, This was to insure that all the Americans will have free access to medical care if they got sick and it would will help reduce the growth of healthcost spending in the country, hence in economic and stability growth among the citizens of America. Right now in the USA the ObamaCare law is a permanent part of the landscape, The USA republicans said that, despite the high court decision upholding various subsidies, the law itself remains the largest and dangerous threat to health care. Although it has its own benefits, Obamacare is increasing costs for hardworking families. Republicans argue that many people have to pay higher costs or see their former policies canceled. Which is leading to poor economy and increasing of debts and deaths within the country.

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