A Brief Look At Obamacare: The Affordable Care Act

2042 words - 8 pages

The Affordable Care Act (a.k.a Obamacare) has been an extremely controversial topic recently. It has sharply divided politicians and the public. Republicans and conservatives want to see it repealed, while Democrats and liberals enthusiastically defend and promote it. The opinion of the American people, however, has been more difficult to gauge. Recently, both politicians and the public have been outraged by the disastrous opening of HealthCare.gov and insurance companies dropping millions of clients. President Obama suffered a major blow both to his credibility and popularity as a result. His promise that people could keep their health insurance if they wanted to turned out to be false. In this paper, I want to examine some of these issues and what they mean for health care reform. Specifically, I want to see how it affects businesses.
First of all, why did the healthcare system in this country need reforming? There were tens of millions of Americans without health insurance. The main reason was that it was so expensive. If your employer did not provide it, you had to pay for it yourself or be uninsured. These uninsured people did not have regular access to healthcare, because paying out of pocket, even just for a check-up, was expensive. Another problem was that people with preexisting conditions, or serious medical problems, could not get coverage. These were just some of the problems that existed.
That is why the ACA was passed. It ensured that all Americans would be able to afford insurance. It made it illegal for insurance companies to turn away anyone with a preexisting condition. Those who could not afford insurance on their own would receive government subsidies to help pay for it.
Under the new law, all businesses with 50 or more full-time employees must provide health insurance for those employees. If not, they can face fines up to $3000.00. A full-time employee is one that works at least 30 hours a week. The insurance cannot cost the employee more than 9.5% of their income, and must cover at least 60% of their medical expenses. These rules are known as the "corporate mandate". It was supposed to take effect at the beginning of 2014, but has now been delayed until 2015 so that businesses can have more time to figure out the law and how to implement it.
The ACA had (and still has) many opponents. The reason for this resistance was a part of the law known as the individual mandate. This part made it mandatory for all Americans to have health insurance. Republicans, conservatives, and other critics said this undermined individual freedom and was unconstitutional. The government could not force its citizens to have health insurance if they didn't want it. Nor could they fine them for not having it. The issue went before the Supreme Court.
The debate was over what to call the “penalty” for not having health insurance. The Obama Administration argued that it was a tax, and the government had a right to tax people. Lawyers for the...

Find Another Essay On A Brief Look at Obamacare: The Affordable Care Act

The Affordable Care Act Essay

2163 words - 9 pages will now be able to access healthcare insurance. Essentially, the affordable care act as a law, results in a legal expectation by American citizens, of a better, more secure, affordable, and quality health care coverage plan. How PPACA has been Effectively Implemented The PPACA Act has been considered by many critics, scholars and essentially every class member alike, as President Obama’s greatest and proudest achievement at the White House

The Affordable Care Act Essay

1669 words - 7 pages The Affordable Care Act (ACA) has been a topic of dispute since its introduction and continues to be discussed by politicians in the U.S. and throughout the world even after its passage. The Act has many opponents and is the cause of much controversy nationwide, primarily because it introduces higher healthcare costs for the richest citizens. Nevertheless, the ACA is an important stage in the American healthcare development process as it not

Is The Affordable Care Act Really Affordable?

1402 words - 6 pages On March 23, 2010 the Affordable Care Act (ACA) was passed into law. The ACA mandates that every taxpayer buy health insurance or pay a tax penalty if not purchased. Prior to the passing of the ACA, promises were made that were essential in passing the law and some of those promises have not been preserved. Not only were American’s rights trampled on by forcing them to purchase insurance coverage, but higher costs and penalties surround the

affordable care act

1045 words - 4 pages Running head: AFFORDABLE CARE ACT 1Affordable Care ActStudent's NameInstitutionAffordable Care ActKey features of the Affordable Care ActThe Affordable Care Act aims at creating a robust consumer rights protection, and making health more affordable. ACA is intended to enhance access to care besides making Medicare stronger. The key features of ACA are:Handling of pre-existing diseasesACA stipulates that pre-existing diseases should qualify for

The Failure of the Affordable Care Act

1472 words - 6 pages insurance while, at the same time, helping others have been hit with a double tax. Many people have lost better insurance programs due to ObamaCare and many people still refuse to follow the mandate. More Americans are now worse off, healthcare wise, due to The Affordable Care Act. If ObamaCare runs out of funding, many elderly and disabled Americans could lose the chance for proper healthcare. ObamaCare may have been able to help a few lower class

The Faults in The Affordable Care Act

1300 words - 5 pages Many of today’s arguments within the American government have to do with health care. The Affordable Care Act, commonly known as Obamacare or The ACA, has been effective since March 23, 2010. Most of Obamacare’s major provisions, such as mandated individual coverage, just took effect at the beginning of 2014. Democrats support the health care reform while a majority of republicans are entirely against it. On paper the health care reform looks

The Importance of the Affordable Care Act

2160 words - 9 pages that the Affordable Care Act (ACA, also known as ObamaCare) has become one of the most controversial health care reforms as it looks to improve the health care system for the country whilst conflicting with cost reform at the same time. Essentially, the ACA is a program that works to entirely reform the government’s health insurance by raising taxes in order to improve quality and affordability. This taxation is done in order to provide everyone

The Patient Protection and Affordable Care Act

2152 words - 9 pages health insurance marketplace.” ("ObamaCare Subsidies", n.d.). Although there are various positive benefits under the Affordable Care Act, there are also many drawbacks under this law. In order to offer such great benefit of everyone having access to affordable healthcare coverage, there have been some new taxes put in place. Although the law states that everyone must be insured, there is a new tax under the individual mandate that must be paid

America Needs the Affordable Care Act

1325 words - 5 pages . Under the Patient Protection and Affordable Care Act, otherwise referred to as Obamacare, signed into law on March 23, 2010, this requires all Americans to purchase health insurance. The purchase of this care is purchased either individually or through the government market place. The act will lower the cost of insurance on all Americans, and additionally relive pressures felt at hospitals under the circumstance one does not have health insurance

The Affordable Care Act and Emergency Rooms

2545 words - 11 pages patients are transported for serious medical care. This may sound logical and efficient but imagine the suffering of patients who must endure long waits for treatment as they wait for initial intake, wait for a diagnosis, and wait for a decision to transport or treat, then repeat at the regional facility. Add to this the new complications of the Affordable Care Act with its new administrative burdens, its demands to reduce waste and reiterative

Key Provisions of the Affordable Care Act

1902 words - 8 pages pre-existing conditions. Secondly, I will explain why physician payments are being shifted to value over volume. Lastly, I will discuss Medicaid expansion and why some states are not expanding at all. Pre-existing Conditions The Affordable Care Act introduced a plan that would allow Americans with pre-existing conditions to obtain health insurance without the hassle of being turned down or fear of being charged higher premiums. The Pre-Existing

Similar Essays

Obama Care The Patient Protection And Affordable Care Act

1481 words - 6 pages What exactly is ObamaCare? ObamaCare is “The unofficial name for The Patient Protection and Affordable Care Act which was signed into law on March 23, 2010. Obamacare's health care reform offers Americans a number of new benefits, rights, and protections in regards to their healthcare and setting up a Health Insurance Marketplace where Americans can purchase Federally regulated and subsidized health insurance” (“What is ObamaCare/ What is Obama

The Affordable Care Act Essay

2044 words - 9 pages the structure of the Patient Protection and Affordable Care Act. When determining if the Patient Protection and Affordable Care Act is beneficial for America or not, it is important to look at both sides of the argument. There are many positives that provide a strong argument supporting the bill. When the bill was initially proposed, President Obama assured Americans that, if they so choose, they would be able to keep their same doctor and health

The Affordable Care Act Essay

2020 words - 8 pages standpoint, which is why a universal healthcare plan like The Affordable Care Act (Obamacare) would greatly benefit America. Universal healthcare, for the most part, refers to a healthcare system in which the government provides medical care and financial solutions for all of that particular nation’s citizens. For most people in the upper and middle class universal healthcare is not something they would like to see in America because they already have

The Affordable Care Act Essay 1127 Words

1127 words - 5 pages ). Stakeholder Update on the Affordable Care Act. Retrieved from http://hmassoc.org/wp-content/uploads/hhsaffordablecareact.pdf Liptak, A., & NYTimes (2014, January 1). Health Law Challenge Opens Up New Front. Retrieved February 8, 2014, from http://www.nytimes.com/2014/01/02/us/health-law-challenge-opens-up-new-front.html?ref=healthcarereform NYTimes (2012, March 28). Analysis of the Arguments — The Supreme Court Health Care Challenges. Retrieved