These people are projected to have incomes too high to qualify for their state’s existing Medicaid programs, but below the federal poverty level (nearly $11,500 for an individual) required to be eligible for federal subsidies to buy private coverage on the new online insurance marketplaces set up by the Affordable Care Act. Medicaid is the state-federal health insurance program for the poor. “Millions of adults will remain outside the reach of the ACA and continue to have limited, if any, options for health coverage,” the study concludes. The law provides full federal funding for three years to states that expand Medicaid to cover residents under 138 percent of the poverty level (or just under $15,900 for an individual). But the Supreme Court made that requirement effectively optional for states, and most Republican led-states have opted against expanding the
citizens, universal healthcare would significantly lower healthcare costs for both the individual and the government. Without a doubt, something should be done to fix the current healthcare system; it is just a matter of what should be done. Over the past several years, the cost of healthcare in the U.S. has risen significantly and does not seem to lower, surpassing “$2.2 trillion in 2007” (An). This ever-increasing cost has caused less and less coverage, being unaffordable to more and more people; “The average American spends about $7,900 dollars per year on healthcare” (Sanders). Though healthcare is currently very costly, studies show that universal healthcare would be cheaper than the current privatized system (Conor).
Half of bankruptcies are caused by medical bills, and three-fourths of those bankrupted had health insurance at the time they got sick or injured (Himmelstein 1). Canada, which has a national health care system, has “better measures of access to health care than Americans, even though they spend much less per capita on health care” (Lasser, 1). Universal health care could change the lives of every US citizen. It would open many different doors for not only patients, but for physicians as well. The system may introduce new taxes and spending cuts, but the benefits, including the option of a centralized national database, outweighs the excuses for not executing a plan for national
Several say, it will stabilize the economy and steady the unemployment rate, even though the income rate will be small but significant. Obama Care claims, “To provide affordable, quality health care for all Americans and reduce the growth in health care spending.” When looking through an overview, with Tricare Prime an office visit is $12 per visit regardless with what the provider charges. Alternatively, with Tricare Standard though, you pay a 25% cost-share per visit. For example, if the provider charges $100 for an office visit, Tricare pays $75 and you pay $25. See the difference?
Over half of uninsured Americans can get free or low cost health insurance using their states health coverage by January 2014. Some say Obama care focus more on making sure people are covered than it does on addressing the cost of care in the first place. I say ObamaCare helps curb the growth in health care spending. It is very much needed. I am a prime example.
The new laws where established to protect consumers against health insurers, so no one would be denied coverage because of an illness such as: Cancer, Aids and other chronic diseases. Author Jed Graham’s article, “Obama Care’s impact on Job loss” (2013), emphasizes how the new health care reform law is causing job loss. According to Graham some law firms, school districts and hospitals throughout the United States are facing tough choices with rising insurance cost under Obama Care. Graham shows the scope of this problem by showing that, according to politicians and economist Affordable Care Acts give businesses and incentive to cut worker’s hours below the 30 hour per-week
Failure to have children monitored by their health care provider regularly should result in infringements to the parent/parents. If the party responsible for the child/children is receiving government assistance in the form of monthly cash payments, then they should be subjected to paying a small partial fee for the insurance coverage. If all guidelines are followed to ensure the children are getting the proper medical treatment, than the payment premium would be waved. I know these sound good, but may possibly be unfair to charge individuals that cannot afford it and may not even understand what proper medical care is for their children. The last thing you want to do is penalize the children.
In addition, an employer with more than 200 employees who offers at least one health plan must automatically enroll employees into one of the plans offered, though employees may opt out.” (HI101 2013 ). A free rider penalty is a tax penalty for Americans who are wealthy enough to purchase health insurance coverage for themselves but choose not to; they are free riding off everyone else when it comes time to utilize health care services. According to the Supreme Court there are roughly 2% of American citizens who can afford but choose not to purchase coverage; these individuals will be hit with a $1,000 hidden tax fee. It is a fact that without this free rider penalty most health insurance plans premiums would increase making coverage more expensive for
Healthcare Policy analysis process Name Professional Affiliation The healthcare plans and policies of the United States of America have been almost neglected over the past years. It is therefore that an in depth and conclusive healthcare reform has been carried out in order to assist the majority of the united states citizens who are not able to cater for their basic health care. Recently the United States government enacted the patient protection and affordable care act of 2010. It was later to make up most of what are now the healthcare reforms that are happening around the country. Following the enactment of the PPACA as it is known, the focus shifted from the public health insurance to the private health insurance market.
Statistics do not show the US as a stand-out performer in either quality or quantity. A recent study published in Health Affairs states: “the United States often stands out for inefficient care and errors and is an outlier on access/cost barriers.” Streamlining payment through a single nonprofit payer per the PNHP would save more than $400 billion per year. The PNHP is not alone in their belief. Health Care Now and the recently proposed “Expanded and Improved Medicare for All Act,” H.R. 676 introduce plans to provide health care for all, give consumers the most choices, provide strong health coverage and saves money for government, business and individuals.