In my opinion, the Affordable Car Act is extremely important for a large majority of people. There were three goals that the law put its primary focus into. Those goals were:
- Make affordable health insurance available to more people. The law provides consumers with subsidies (“premium tax credits”) that lower costs for households with incomes between 100% and 400% of the federal poverty level. (ACA, 2017)
- Expand the Medicaid program to cover all adults with income below 138% of the federal poverty level. (Not all states have expanded their Medicaid programs.) (ACA, 2017)
- Support innovative medical care delivery methods designed to lower the costs of health care generally. (ACA, 2017)
Health care in the United States has been less than perfect for many years. The ACA was very controversial because many people do not accept change well and the policy is extremely complicated. It can be very difficult to understand all the different aspects of the law. I think the very most important thing for people to understand when discussing the Affordable Care Act is that the main goal was to “move closer to the one objective almost everyone agrees upon: making health care more affordable and more accessible to all people” (Wanamaker, 2017).
Because of the ACA, millions of Americans are given the ability to receive health care. This policy, “eliminates the ability for insurance companies to reject a patient due to pre-existing conditions, allowing children to remain on their parents’ health insurance until age 26 and expanding the eligibility of Medicaid for millions of Americans” (Goldberg, 2012). There is a lot more that the health care act entails. It is extremely detailed and very complicated for most to understand. One of the most difficult things to understand is how or who is paying for the ACA. There are many resources online that explain in detail what the law is about and all it entails. USA Today and CNN have plenty of articles regarding the subject and are very useful tools to use wen educating yourself on our nation’s current health care bill.
The very best aspect of this law is that it was helped a huge majority of Americans. Before we implemented the Affordable Car Act, “about 16 percent of Americans had no health insurance of any kind. Now, that’s down to less than 9 percent — a record low” (Haynes, 2016). Millions of Americans have been helped drastically in the recent years that this law became effective. There were rapid and tremendous improvements since Obamacare. Of course, the law is not perfect and there is much that could be changed. If I had one recommendation, I would suggest that the qualifications of subsidies be decreased. If a family does not qualify, then purchasing insurance through exchanges can be extremely expensive (Cassidy, 2017). “Until policy-holders have covered their deductibles, they have to pay for the full cost of most of the medical services” which are often highly expensive (Cassidy, 2017). The fact of the matter is that this law was created because prices are an issue. The best way to help people afford health care would be to spend more money so that it would bring down the costs that many people face. Nothing will be a quick fix, but my belief is that the ACA was a step in the right direction for the United States.
Affordable Care Act (ACA) – HealthCare.gov Glossary. (n.d.). Retrieved October 07, 2017, from https://www.healthcare.gov/glossary/affordable-care-act/
Cassidy, J. (2017, June 19). Three Ways to Fix Obamacare. Retrieved October 07, 2017, from https://www.newyorker.com/news/john-cassidy/three-ways-to-fix-obamacare
Goldberg, L. (2012, March 19). Discuss: Share in Our Policy Ideas. Retrieved October 07, 2017, from https://www.nasi.org/discuss/2012/03/affordable-care-act-turns-two?gclid=Cj0KCQjw9uHOBRDtARIsALtCa95bg0snF_S0QNQQL91fanr_o3ujnA-msmHbfGawvKW3_VMT26sUeTUaAscOEALw_wcB
Haynes, C. T. (2016, November 04). Even With Its Faults, Obamacare Has Helped Millions. Retrieved October 07, 2017, from http://www.nationalmemo.com/obamacare-helped-millions/
Wanamaker, B. (2017, February). Seize the ACA: The innovator’s guide to the Affordable Care Act. Retrieved October 07, 2017, from https://www.christenseninstitute.org/publications/aca/?gclid=Cj0KCQjw9uHOBRDtARIsALtCa96Lkw4RnTSg0BIZwlDs7pWUEkC2sSMrpN-4nhuFjvcgIiL-0rNm0dcaAiuCEALw_wcB