Daily Archives: December 4, 2018

Glossary Builder #1

The Affordable Care Act (ACA) was signed into law by President Obama in 2010. The ACA was put into place so that American’s could have more affordable health insurance. When the ACA was enacted into law, the goal was to provide protection to the consumers by stopping insurers from denying care for pre-existing conditions and setting dollar limits on care.  In addition, essential health benefits are now covered that previously were not covered.  Most specifically, pregnancy and maternity care, emergency care, critical illness, and preventative and wellness care (ObamaCare Facts, 2018).

There have been many critiques on the ACA, and the Trump Administration has changed a few things. Essentially, the Trump Administration’s goal is to repeal the ACA, and put the American Health Care Act (AHCA) into motion.  The AHCA would replace the ACA’s marketplace premium and cost-sharing subsidies with refundable tax credits (Pellegrin, 2017).

  1. Pre-existing condition: a medical condition that started before a person’s health insurance went into effect.
  2. Repeal: to revoke or annul (a law or congressional act).
  3. tax credits: an amount of money that can be offset against a tax liability.

References

ObamaCare Facts: Facts on the Affordable Care Act. (2018). Obamacarefacts.com. https://obamacarefacts.com/obamacare-facts/

Pellegrin, M. (2017). AHCA vs ACA: Tax Credits, Insurance Premiums, and the Big Picture. Sycamoreinstitutetn.org. https://www.sycamoreinstitutetn.org/2017/03/16/ahca-vs-aca-individual-market/

 

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ACA Health Care

In my opinion, the best aspect of the ACA is the coverage of pregnancy, maternity, and newborn care (Belluz, 2017). This is one of the 10 essential health benefits offered by the ACA, and is so extremely important. Before the ACA many women were without medical coverage during their pregnancy, maternity, and child birth simply because the insurance companies were not required to cover it. The cost for giving birth is thousands of dollars, and was often not covered prior to the ACA. In the past it has been extremely difficult for young families to pay for maternity care of the mother and baby. Those families have been forced into bankruptcy even though many of them were insured.

The Affordable Care Act has been beneficial to so many Americans that otherwise would not be able to afford healthcare. The ACA provides consumers with tax credits that lower the cost of healthcare in households who have income between 100% and 400% of the poverty level. This has made healthcare more affordable for everyone. In addition, the ACA ordered that the medicaid program cover all adults with income below 138% of the federal poverty level (Affordable Care Act, 2018).

All of the above information would be good to share with a friend. I think that a friend may find it difficult to understand that with the new proposed American Health Care Act (AHCA), the republicans are trying to make the 10 EHB’s no longer mandatory (Belluz, 2017). The new proposal would not help any individuals with pre-existing conditions, and therefore, out-of-pocket medical costs would be on the rise again.

Affordable Care Act (ACA). (2018). Healthcare.gov. https://www.healthcare.gov/glossary/affordable-care-act/

Belluz, J. (2017). The Republican Attack on “Essential Health Benefits,” Explained. Vox.com. https://www.vox.com/2017/3/23/15031322/the-fight-over-essential-health-benefits-explained

 

Thinking and Discourse Prompt 1

Prompt 1 asks us to compare the below polls:

Q1: Do you favor or oppose expanding Medicare to provide health insurance to every American?

  • 60% Favor strongly or favor somewhat
  • 23% Oppose strongly or oppose somewhat

 

 

Q2:. Do you favor or oppose creating a single-payer health care system, in which all Americans would get their health insurance from one government plan that is financed by taxes?

  • 44% Favor strongly or favor somewhat
  • 31% Oppose strongly or oppose somewhat

The first question is very general, with many details left out. As you can see by the numbers, 60% were in favor of providing health insurance to every American. It seems like a no-brainer when asked that simple question. Of course majority of the people are going to agree that every American should be entitled to healthcare. Question 2 becomes much more specific and more detail is added to the sentence. It gives the surveyee more information to base their opinion on. Based on the more detailed information, it appears that there was an increase in the votes opposing health insurance for all Americans.

Based on the results of these two polls it is easily determined that words do matter. It is all about how the question is asked. Although both questions are over the same topic, the questions are worded vastly different, which makes a huge difference in how the question is surveyed. It is much more beneficial to give accurate information in the question and to be more detailed so that the question can be understood better. A poorly worded question can make a world of difference.