Like every law, the Affordable Care Act passed in March of 2010 has its positives and its negatives. While there are numerous benefits that will come to pass due to the act, there are also several factors preventing many states from fully enacting the new requirements of the law. In fact, many are fighting the new policy. For all of the arguments centering the new health care act, the benefits offered by the ACA far outweigh the negatives. The law looks to expand coverage and care, as well as reduce the overall costs of healthcare services and will benefit millions. The ACA will primarily expand coverage, providing people with more access to health insurance, this does not, and however, mean that health care will become universal. Employees …show more content…
Under the ACA there are 10 essential benefits that must be provided in health care plans, including but not limited to preventive care, and pediatric dental and vision services. Both of these policies focus on the reduction of treatment of chronic disease by eliminating them at a younger age. This is done through dental and vision checkups for children which will reduce oral and optic complication later in life. The preventive care offered by the ACA will promote holistic health limiting the spread of infectious diseases, the development of cancers, and avoiding chronic disease development through screenings and vaccinations. By limiting the development of chronic diseases we avoid much higher costs in treatment. Diseases that are allowed to progress to more advanced stages often are more difficult to treat or cure, costing the patient both time and money. Sometimes it is necessary to administer expensive procedures and pricey medications that may or may not have the desired …show more content…
Insurance companies and health care providers have several methods of controlling prices and making profits. The ACA makes efforts to restrict the high costs of health care through new limits on out of pocket costs, removal of life time limits in insurance companies, and placing restrictions on denial of coverage to enrollees with preexisting conditions. The lifetime limits and high out of pocket costs are ways for insurance agencies to spend less money on their beneficiaries. By restricting access to care for those with preexisting conditions, they limit the amount they need to spend on expensive treatments for patients with conditions such as cancer and HIV which can cost companies millions of dollars. These changes will grant care to those that need it the most. In addition to controlling the cost of services provided to enrollees, there will also be changes in prices for insurance itself. The law establishes insurance exchanges that will help regulate the premiums for insurance by keeping companies and their rates
The Affordable Care Act (ACA) set out to radically change the American health care system, bringing coverage to Americans who would otherwise be disqualified for several reasons whether it be loss of coverage from employer, parents or pre-existing health conditions. The second major initiative is strengthening Medicare with emphasizing resources and coverage for preventive health care. All feeding into the umbrella
Increasing access to health care ensures everyone to seek medical care without the fear of getting a large medical bill. Currently, there are millions of Americans without health insurance. The ACA implements changes in the system that decreases the burden on low-income families by expanding the Medicaid program. This is done by expanding coverage to a variety of population, even individuals with chronic and pre-existing conditions, which covers the supply-based care. Lowering health care costs while enhancing quality of care. Individuals will have more choices in
The ACA provides various benefits to Medicaid enrollees by expanding coverage to include mental health, prescription drugs, family planning services, hospice care for children, tobacco cessation, preventive and obesity related services. The main provision of the act is to reduce cost while improve the quality of care and the way it is delivered. The law prohibits insurance companies from dropping coverage for any reason, provide insurance even if there is a pre-existing condition. Provide coverage for preventive services and immunizations. Dependant coverage is extended up to age 26. The law established a cap on insurance company’s spending on non-medical costs and administrative expenditures. Insurance companies cannot charge more money based on an individual’s health status, gender or salary. The ACA reforms Medicare by closing the coverage gap also known as the “donut hole” by continuing coverage for prescription drugs.
The Patient Protection and Affordable Care Act (PPACA) or Affordable Care Act (ACA), is far–reaching enactment that will change how a large number of Americans access health care. The intent of the ACA was to increase the number of insured, increase quality of care and making it affordable for everyone by reducing the costs and expanding coverage. Under the act medical providers such as hospitals and primary care physicians will have to change their practice financially, clinically and technologically in order to have better outcomes, lower costs and have better methods of providing care. The ACA also includes provisions that require all Americas to secure medical coverage or pay fines and it requires insurance companies to accept all applicants.
The Affordable Care Act has given aid to many people in several communities and the impact has changed lives tremendously. The ACA has improved their provisions in a way that has focused on improving the quality of the health care system and efficiency of the ways testing is done within and pay for within those
The Patient Protection and Affordable Care Act, otherwise known as the Affordable Care Act or ACA, enables citizens to have affordable health insurance coverage through several legislative provisions (Rosenbaum, 2011). It is through these provisions that the government,
The purpose of The Affordable Care Act (ACA) is to increase access and make it more affordable for all Americans. Unfortunately, the US health care delivery system lacks the ability to plan, direct, and coordinate from a central agency making it difficult for citizens to obtain health coverage. For that reason, The Affordable Care Act in 2010 became the most extensive health care reform in US history with its main objective to reduce the number of uninsured. The ACA permitted some standards in the health care delivery system to achieve universal coverage. Some examples were authorizing health insurances to start covering children and young adults below the age of 26 under their parents’ health insurance plans also allowing the law to lower
The Affordable Care Act is one of the new policy that provides Americans with better health security by putting in place comprehensive health insurance reforms. It allows people to have expand coverage. Now a child can stay under his parents insurance until age 26. The ACA holds insurance responsible by dropping health care while guarantees more choices and enhance the quality of care. The ACA facilitates long-term care services to help people whom such care need receive it and to find ways to help make such care available not only in organizations but also in the public. They try to eliminate non-discrimination language that will restrict health insurance companies from discriminating against any health care provider. The ACA includes policies
The Affordable Care Act (ACA) is a complex federal law that affects health system of the United States in every aspect. ACA goals is to improve quality of healthcare; increase access, and to stabilize and possibly reduce the cost of the healthcare services. ACA provisions include, but not limited to, expansion of Medicaid to all individuals less than 65 years of age whose income is 133% of the Federal Poverty Line (FPL) or below; created Consumer Operated and Oriented Plan a nonprofit, member-run health insurance companies in all 50 states; prohibits existing health insurers to deny coverage due to preexisting conditions; allows states to create a Basic Health Plan for individuals without health insurance and income range of 133-200% FPL; improves prevention services by requiring health plans to include basic preventive coverage without cost-sharing; improve access to health care by providing additional funds for community based health centers and other community based organizations(Knickman, Kover, 2015. Pp344-361). Every provision of ACA will bring significant change to every area of the healthcare and, as a result, changes in access, quality, and cost. These 3 components of the healthcare system are intertwined and change in one will cause the change in the others.
The Affordable Care Act is the new health reform law that was signed into action on March 23, 2010. The Affordable Care Act attempts to reform the healthcare system by providing Americans with affordable health insurance. It helps put individuals, businesses, and families in control of their own healthcare. By the sound of it, it really looks like this is something that will positively impact the lives of Americans, and make it easier for individuals to obtain health insurance. Unfortunately, what many Americans are unaware of is that there are so many underlying issues that make the Affordable Care Act not so affordable. Issues such as penalties and taxes that certainly rack up the cost on individuals, businesses and even hospitals that make it difficult for people and businesses to be in “control” of their health care.
President Obama signed the Affordable Care Act on March 23, 2010. This law puts in place widespread health insurance reforms that expanded out over the last 4 years and continues to change the lives of many Americans today. Health care reform has been an extensively debated topic for multiple years, and the ACA is the first effective attempt at passing a law aiming to make health care not only affordable, but accessible for all individuals. The law impacts many Americans including, children, employers, government programs which includes federal and state, health plans and private insurers, health care coverage, health care cost, and the quality of care received. The main goal of the law is to expand health care coverage, broaden Medicaid eligibility, minimize and regulate health care cost, and improve the health care delivery system. In order to improve the health care delivery there have been new consumer protections established and an increase access to affordable care.
The Health Care Reform Act is also known as the Affordable Care Act (ACA) was signed into law by President Barrack Obama on March 23, 2010, (Touhy & Jett, 2014, p. 111). Its goals are to expand coverage, control health care costs, and improve the health care delivery system. It focuses on health promotion and greater emphasis on preventive care. The new legislation allows people and small businesses to purchase health insurance coverage through the health insurance market places—a virtual insurance mega mall where private insurers compete for business. The market exchange ensures that insures follow strict guidelines and compete fairly allowing people the opportunity to compare plans that best suits their needs.
Throughout the world today, it is almost crucial as humans that we are covered with health insurance. Many people are fully aware of the decrease in healthcare as time goes by. The Affordable Care Act is advertised all over the newspaper, television/media, and articles that piece together how it affects our healthcare insurance today. Health care is a large and important portion of the United States which requires a lot of attention to have the most successful outcome with patient care and financial stability. The ACA provides allows us individuals to maintain a well-known health care plan that can grow with the changes as they continue to be made. Global workforces around the world will continue to make changes to the healthcare facilities along with the providers joining together. Quality patient care is always the answer to professional medical staff. All in all, I will further be discussing the important information about the ACA and its credentials that essentially make up the current effects of healthcare today and what is yet to come.
The ACA requires insurers to accept all applicants, cover certain conditions, and charge the same rates despite one 's sex or pre-existing health status. There are ten provisions that make up the ACA which were to be implemented over time, from 2010 through 2020. The first provision is individual insurance, which prohibits insurers to deny coverage based on one 's pre existing health conditions. States were also required to make insurance available to children who are not insured through their families. Medicaid was also expanded to include individuals and families with an average income of thirty thousand dollars a year. This mandate will not cover those who are illegal immigrants, eligible individuals who choose to not be enrolled in medicaid, those who choose to pay the penalty, individuals whose insurance would cost more than 8% of their income, and those who live in states that opt out of the medicaid expansion.
The Affordable Care Act (ACA) was signed into law on March 23rd, 2010 by President Barack Obama. This radical health care law was a much-needed step in comprehensive health insurance reform. Three important features of the Affordable Care Act are 1. Improving quality and lowering health care costs 2. New consumer protections and 3. Increased access to healthcare. (Key Features. 2014). Under the umbrella of these three key features additional benefits include free preventive care, drug discounts for senior citizens, increased protection against health care fraud, small business tax credits, increased access to health care through the health insurance marketplace, consumer assistance, and non-discrimination based on pre-existing conditions.