Historical Background of the policy: The Obama campaign of 2010 was a driving force to establish a better quality of health insurance for all Americans who were uninsured. Before the act was passed nearly 102 million Americans were in health insurance policies with lifetime limits; it was estimated that as many as 20,000 people annually could be denied coverage for care due to those limits (The Affordable Care Act: the impact of health insurance reform on health care consumers: hearing of the committee on Health, Education, Labor and Pension, United States Senate, One Hundred Twelfth Congress, first section..January 27, 2011., 2013). Most beneficiaries who have reached their lifetime limits are seriously ill, which results to them having to use their benefits but instead of receiving it they have already ran out just when they needed the coverage the most. Another problem that corrupted the health care field was young adults going without health insurance from their jobs because of the fact employers were not offer plans, it being too costly, or individuals not being ineligible for their parent’s coverage due to their age. Cancellation among policy or were required to pay a higher expense for coverages that provided service for pregnant and nonpregnant women. Employers suffered dealing with offering employees’ high insurance coverage or not offering it at all. Also, individuals who suffered from preexisting conditions rather it was an elderly or a child they were either
The main point of Jonathan Oberlander's article on Between Liberal Aspirations and Market Forces: Obamacare's Precarious Balancing Act is that the Affordable Care Act is growing little by little for the better but that it has a lot of room for improvement. There has always been restraints on health care as a whole, as well as medical technology. In the past, getting insurance was to expensive so it was very rare that people actually had it. In 2010, the government hit a milestone by coming out with Obamacare, which was put into effect in 2014. The Affordable Care Act was created to help transform the insurance world with things like cheaper deductibles and lower co-pays. Before this program, Insurance companies could drop a client if they
The Affordable Care Act requires that health insurance does not put a lifetime limit on a persons’ coverage. This requirement is for all health insurers even those that offer school- sponsored plans for college students. Before the Affordable Care Act, these school- sponsored plans “commonly limit[ed] benefits on a per condition per lifetime basis." (Burnsed, 2010) This change is important to many people because no one can plan when or if a costly illness falls on them and by getting rid of lifetime caps, the people who do fall victim to server medical conditions will not have worry about coming up with the money to pay for their
The Affordable care act was enacted in order to reform the health insurance industry and to make health insurance more affordable and to provide better health care coverage for the citizens of the United States. The Obama administration set out with the goals of: expanding access to health insurance, lower the uninsured rate, and to reduce the costs of healthcare. The focus of the act is to use regulations on the federal and state level to maximize health care coverage for all citizens of the U.S. In this section I will examine the factors that have come to play into the creation of the affordable care act and the back ground
On March 23, 2010, President Barak Obama signed the Affordable Care Act (ACA) into affect in order to provide affordable, quality health care for all American citizens. The purpose of the ACA was to expand public and private insurance coverage opportunities, increase protections of the insured so they qualify for coverage, promote the overall wellness of the public and improve education on prevention, to improve the healthcare systems and the quality of healthcare professionals, to increase the amount of available healthcare workers, and to eradicate the rapidly increasing cost of receiving medical care (King, 2011). The ACA, also known as Obamacare, was created to reform the health insurance situation starting in 2010 and continuing through 2014. Some
If one cannot afford the price of an Affordable Care Act policy they can be assessed fines or penalties based on their income or a set fee, it has caused taxes to be higher and some of the funding for Obamacare comes from already established government insurance that is mainly for the elderly or retired. When it first came out the whole thing was the butt of many jokes as when people tried to enroll, the website crashed or it took people over an hour to sign up and some people found the whole process to be complicated. In order for some companies to be able to afford the premiums for Obamacare they have resorted to having to cut hours from their employees to under 40
I am writing to you in regards to the quickly approaching 2016 Presidential Election. As your
The Affordable Care Act (ACA), which was signed into law on March 23,2013 by the then President Obama, required most of the citizens and legal residents to have health insurance, it was mandated by the law. Citizens and permanent residents had to pay a fine if they were eligible to purchase health insurance through their employers or through the health exchanges, and did not buy health coverage. There were quite a few revolutionary changes that were included in the ACA among them were: Children can stay on their parents plan until the age of 26, insurance companies cannot deny coverage or increase the premiums because of a pre-existing condition, and scarping the life time maximum amount. ("Summary of affordable care act," 2010).
The objective was clear the time for health-care reform was now, how that objective was going to be met was unclear. In William Custer’s article Risk Adjustment and the Affordable Care Act states, “There has been a sharp decline in private coverage over the last decade, and concurrent increases in public coverage and the number of uninsured” (Custer PhD, 2013). The passage of the Affordable Care Act set out in grand fashion to meet overcome some of these challenges. House Bill 3590 titled the Affordable Care Act provides changes to some very vital areas of medical coverage, including such things as: no lifetime or annual coverage limits, prohibition of rescissions, coverage of preventative health services and extension of dependent coverage and the creation of uniform explanation of coverage documents and standardized definitions (House of Representatives, 2010). Individuals who have major medical conditions will no longer struggle to maintain the coverage they so desperately need to care for their medical condition and maintain the best quality health condition. Health Insurance providers can no longer deny coverage to an individual due to a medical condition, pre-existing or newly diagnosed. Arguably one of the key areas in regards to improved health coverage was in the area of preventative health services. Insuring dependants to the age of 26 will dramatically increase the
When president Obama signed the Affordable Care Act in March 2010, it came with a lot of new provisions that would vary when they would come into effect. The very first provision was the “Grandfather Clause” which allowed people to keep their insurance plan before the act went into effect. As long as the employer still offered that plan the employee could still maintain it because they were grandfathered into receiving that coverage. If someone bought an insurance plan after March 2010 they would not be considered under the Grandfather Clause. Thus, these individuals would be required to get a new plan by 2014 if their plan did not meet all the criteria, they would need to get a new plan that fills all the criteria. Another major provision of the Affordable Care Act is that patients have a guaranteed issue. This means that insurance companies are unable to deny anybody health insurance based on their health or prior health. This may create a problem because the risk pool of an insurance company may not have the best people. Eventually, this could lead to the majority of the risk pool for an insurance company to have people who are at a greater risk of needing health insurance. This will make the insurance company more vulnerable and the only way that they will be able to cover the losses is by raising the premiums on everyone even though there may be some individuals that are in perfect health. The next provision that was added under the Affordable Care Act is that the
The Patient Protection and Affordable Care Act (a.k.a. Obamacare) was signed into law by President Barack Obama on March 23, 2010. While the act is directed at addressing one of the country's most pressing problems, it generated much controversy as a consequence of the ethical dilemmas that it brings on. The act provides individuals with a wider range of choices and control over their health coverage. It provides a series of benefits such as people getting lower costs on coverage, several important health benefits being covered in the Marketplace, more help in local areas, and pre-existing conditions being covered. However, it also involves a legislation claiming that most people have to have health coverage by 2014, with those who do not have it having to pay a fee.
At the conclusion of President Barack Obama’s historical consecutive terms in office there is going to be a large number of candidates that are vying for the nominations of the respective parties. Due to the constitutional term limits imposed on the President, Obama is barred to seek re-election in 2016. While there are about 10 candidates running for the republicans, there are only two still in the running for the Democratic Party. The way candidates are recognized by their respective parties to become a candidate for the United States Presidency is first by receiving an invitation to compete in the primaries, then being included in the nationwide polls, as well as being on the ballot for at least 75% of all states. At the conclusion of the February 1st caucus there were 3 Democrats and 10 republicans who were still in the Presidential race, since then one Democratic candidate had dropped out.
The Affordable Health Care Act also known as Obamacare is a reform law that was enacted in March of 2010 by the 111th United States Congress that had begun the last two weeks of George W. Bush’s presidency. And what they did was have a legislative branch meeting in 2010 to discuss The Patient Protection and Affordable Care Act that was eventually nicknamed Obamacare, that also included the Health Care and Reconciliation Act of 2010.This was an act that would ensure that all Americans have access to good quality affordable health care, and they would create all of the transformation and also keep it in the margins of the health care system. The Congressional Budget Office had determined at the time that the bill was made
After a gruelling long primary for both major parties, the Republican and Democratic Parties, Hillary Clinton emerged as the favorite-to-win the 2016 election, and several magazines stating before Election Day that Clinton had already won. On November 8th, Newsweek released “125,000 copies” of magazines with the title of “Madam President: Hillary Clinton’s historic journey to the White House” (Greenslade). During the Democratic Primaries, Hillary Clinton’s campaign had already decided on Tim Kaine to be her Vice-President, and decided whom to pick for her Cabinet. Additionally, Hillary Clinton was endorsed by The New York Times, The Los Angeles Times, The Washington Post, and a dozen of other newspapers, and endorsed by hundreds of politicians, celebrities, businessmen, and activists, thus, a great sum of people had confidence that she would win the 2016 Presidential Election (Berke, Harrington). The day before Election Day, pollsters from various organizations, such as New York Times, FiveThirtyEight, and the Huffington Post, predicted Hillary Clinton would win the Presidency of the United States by overwhelming margins, such as 85%, 71%, and 98% respectively. (Katz).
Writing Situation: Why Hillary is not the candidate you want to be the next president.
Barack Obama was born in Honolulu, Hawaii on August 4th, 1961. He went to Harvard Law School. After his graduation, continued his legal work as a civil rights lawyer and a professor teaching constitutional law at the University of Chicago. He was elected to the Illinois State Senate in 1996. He served there for three terms (1996-2004). Later on, he started his campaign in 2007 for the presidential election in 2008. He won the presidential election against John McCain, his Republican opponent and started serving in the office in January 20, 2009. He became the 44th President of The United States of America. He is more well-known for being the first African-American who ever served in The White House.