Daily Archives: October 6, 2017

Health Care

I have never heard of, let alone read a CBO report. I actually had no idea what it was or what the acronym stood for until I read the prompt. After reading this report I realized that if I, a college student, didn’t have a very good idea of what this report was, the average joe probably doesn’t even know that this exists either.

After reading through the article, I was surprised to see how dramatic the effect on Medicaid was being proposed. Although I believe that it is a great goal to aspire to lower the federal deficit, I don’t agree that cutting funding for public assistance and putting more strain at the state level is the right answer. I also found it interesting that throughout all the coverage and pressure the current administration has placed on passing this legislature, it hasn’t been mentioned or brought to light the unbelievable amount of people that would immediately go without any medical coverage and the percentage of enrollees in Medicaid within the next decade.

I think that this is valuable information to consumers because the majority of the general public is not well versed in the ins and outs of what exactly health insurance is. It seems that either you are financially able to pay and afford your own medical care, or you don’t, and if you do have insurance, it’s a very confusing journey to go through to process a claim or understand what copays are. That being said, the fact that almost 50 million people in the country are estimated to not have any type of coverage is alarming, given that most people my age will need some level of specialty healthcare within the next 20 plus years.

What I want to know now, is first of all whether this legislature has a chance of passing, and what that would look like in my community. There are a lot of agriculture jobs in the area I grew up in, which means seasonal and part-time hires that do not include insurance, and the average person working an entry level job is still considered to be under the poverty level and not likely to be able to afford medical insurance or care out of pocket. I also am interested in what the effect will be on the employer side in regards to what they will be able to offer because I will be entering the workforce within the next 5 years.

I found the CBO website pretty user friendly and easy to navigate through different topics that could be of interest to me. The FAQ section was pretty vast and had a few relevant questions.

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Health Care Prompt 2

To be completely honest, government is one of my worst subjects. Probably because I don’t fully understand it but I am willing to learn. I have never read a CBO report and with that being said, if anything I say sounds off or totally wrong please correct me because I would like to get it right. I read the article An Amendment in the Nature of a Substitute which talks about the “Better Care Reconciliation Act of 2017”. When I read this article the first time I was very confused so I read it again, slowly. What I learned from this resource that other may not know is that in 2018 there will not be a penalty for not having insurance. But there will be way more people who will not have insurance.

What I would like to know more about in coordination with this report is what the government will do with all of the extra money that will be left over from cutting back on health insurance. I don’t think this is the type of information the government will release to the public until it actually happens, but if I had to name a place that I could find this information I would say it would be most likely to be heard over the news or www.usa.gov .

Health Care Prompt One

I have never really looked too closely into the health care issues before this point, I had a basic understanding of what is currently in place but no in depth knowledge. In reviewing a few of the provided articles on the ACA (Affordable Care Act) and health care reform possibilities I learned a lot of details that are very useful in understanding exactly what the ACA does for us and what reform could mean for health insurance. If I were to share this knowledge with a friend of mine then I would share with them the details of the ACA, how it currently effects us and how reform could affect medical insurance for the nation. For example I would tell them how the best aspect of ACA is that it prohibited annual and lifetime limits of coverage with insurance companies, and puts a cap on out of pocket costs for patients. This helps people with serious health conditions like cancer receive and keep their coverage without falling into unpayable medical debt. I would also tell my friend that the ACA could be improved by expanding Medicare more, so that more people can have access to more affordable coverage.

I believe the most important thing to share with my friend would be the possible reforms to the ACA that may happen in the future and how that may effect them. My friend would likely have difficulty understanding why women could possibly have to pay more then men for health insurance. If my friend was interested in further research then they could refer to reputable news sources, look up health insurance companies to see what they offer, and look over the ACA herself and see exactly what it covers.

Resources:

Belluz, J. (2017, March 23). The Republican attack on “essential health benefits,”

explained. Retrieved October 06, 2017, from

https://www.vox.com/2017/3/23/15031322/the-fight-over-essential-health-benefits-

explained

 

Lueck, S. (2017, March 23). If “Essential Health Benefits” Standards Are Repealed, Health

Plans Would Cover Little . Retrieved October 06, 2017, from

https://www.cbpp.org/blog/if-essential-health-benefits-standards-are-repealed-health-

plans-would-cover-little

 

The Sycamore Institute. (2017, August 07). AHCA vs ACA: Tax Credits, Insurance

Premiums & the Big Picture. Retrieved October 06, 2017, from

http://www.sycamoreinstitutetn.org/2017/03/16/ahca-vs-aca-individual-market/

Glossary Building Post # 1

Glossary Terms:

  • Market
  • Health
  • Consumer

The terms Market, Health, and Consumer are important in the subject of Consumer Health. All three of these words may seem to be basic terms, but they actually present multiple meanings depending on the context they are used in. As a student of Consumer Health, and a consumer myself, I believe these terms are important for people to understand as they are words that come up often in regards to this subject.

One of the first pages I read in this course talked about the Market in regards to consumer health. When a person mentions the word Market these days there are many meaning that can come to mind. Are they talking about going to a location where products can be bought? Or perhaps they are thinking of ‘the market’, i.e. the stock market or housing market. A market used to simply be a place where you went to buy produce or products, but now it has expanded to encompass many meanings. The word market went from being a noun to being a concept that covers many ideas. I had not really thought about how the meaning of market had changed so much over the years before I read that article.

Health and Consumer are also very important terms as they also encompass multiple definitions depending on their context. Health is not a straightforward word in today’s world. The word health can be used in regards to describing what is believed to be ‘good’ for a person, but does not always encompass its actual meaning. When I think of healthy I think that it should be something good for me generally, but if a consumer does not make smart choices then what is considered healthy may actually be bad for them. For example, foods that are considered ‘healthy’, items that list sugar-free, fat-free, or gluten-free are not always the healthier choice. When looking at healthy choices in food the consumer needs to look at dietary information, ingredients, and make the choice individually if the product actually fits their healthy lifestyle. In regards to the term Consumer, the term could be in context of an individual or a company. This term is important to note because it is seen and thought of every day. People and companies alike are consumers who think “what do people want to buy, intake, have, etc.”.

 

 

 

 

 

Health Care: Prompt 2

I have heard the term CBO before, but never fully understood what it meant until now. CBO stands for the Congressional Budget Office and they are a federal agency within the legislation branch of our government. To my understanding, they are responsible for a lot of the budget conversations that our government is having and with that being said, their current conversation is around the new health care act that they are trying to pass.

The new health care act created by the Senate is said to increase the amount of uninsured US citizens to be about 22 million by the year 2026. In addition to that, the number of uninsured individuals is going to keep rising. The number will continue to rise because the funds that would normally go toward Medicaid will start to decrease – which leaves more people without health care. There will also no longer be a penalty to those who do not want insurance, which means more people are not obligated to have it.

Also, the article mentions that people purchasing health insurance varies based on the market of health insurance. This also plays a role in our current situation, in my opinion. I live in a household of 4 people total – all under the age of 30 and only half of us have insurance. However, insurance does not cover as much as we would like because of our income.

From this article and our current administration’s views – I would like to know exactly what they are going to do when a large portion of the nation is no longer covered under Medicaid. I would also like to know if they would ever work towards free health care since we are one major country that does not offer free health care to all.