Tag Archives: healthcare

Health Care: Prompt One

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:

  1. 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)
  2. 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)
  3. 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.

 

 

Works Cited

 

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

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Healthcare Post

Before I looked into this article, to be honest, I had no idea what CBO was. And I’m glad that I know what it is and that i’ll be able to look into it more deeply if I want to know more information about it. What I learned from reading this is that many people wouldn’t know is that insurance will change and that many people will be affected by this new Better Care Reconciliation. In addition, about 15 millions people will be uninsured just in the near year, 2018. To think about this, it is very close, it is next year. It is kind of scary how everything might change in the near future. According to the article, about 22 million people will not have insurance by the year of 2026. Because under this new legislation, penalty for not having insurance will be eliminated so that’s why many people will be uninsured.

Now, I want to know if this new legislation is worth it. I mean, what I am seeing is that a lot of people will be uninsured. That’s a negative thing. It looks like this new legislation is not making things easier for low income families. Many low income families will suffer because of this. That is what it looks like so far from what I read. It would be more negative than positive. Well, I might find out more about it if I search Better Care Reconciliation of 2017 since there are a lot of information online whether it is through federal websites or just news.

Health Care Prompt 2

I have never read a CBO report or even a summary of one. I do not know what a CBO report is. After reading this resource, I found many things that consumers probably do not know. For example, it is estimated that by 2018 about 15 million people will be uninsured as there will not be a penalty for not having insurance. On top of that, premiums will increase, meaning that some families may not be able to afford any insurance.

What I would like to know now is how this will impact Americans in the long run. As I am only nineteen, it would be nice to know what the future will look like for health insurance. I might find out more through other government websites and perhaps through the news. However, I worry that by the time this reaches media outlets, it will already be too late, and these estimations will become reality.