Affordable Health Care: A Review Of The 2010 Health Care Reform Bill

1384 words - 6 pages

After months of substantial and aggressive deliberation around the United States, particularly in Washington, the HealthCare Reform of 2010 also known as the Affordable Care Act, was passed with a filibuster favorable to Democrats and signed into office on March 23rd by President Barrack Obama. Though it is intricately detailed, the ideal purposes as promised by those who promoted it are to provide inexpensive and uncomplicated health insurance to citizens along with enhanced coverage for those with pre-existing conditions, beneficial prescription drug provisions and changes to tax credits. Essentially, the law incorporates the positive aspects of today’s health care system and repairs the areas due for improvements. Over the first ten years of its enforcement in office, this reform is intended to expand coverage to over 32 million Americans who are currently uninsured and estimates a 130 billion dollar reduction in nationwide deficit. Each provision of the law was proposed to occur over a four year period with some of its ten titles such as the FDA’s authorization to approve generic versions of certain drugs ensuing immediately while others including the expansion of Medicaid eligibility for the poverty stricken taking effect in early 2014. Many are concerned it is futile and will only further damage a fragile American economy but to many the introduction of the Affordable Care Act is perfectly timed to mend a broken health system in a struggling society.
Conceivably the industry most affected by the passage of the bill is insurance agencies. As of September 23rd 2010, according to the government’s website, whitehouse.gov, all insurers are required to pay the entire fees of advised precautionary medical services such as mammograms and immunizations but without inflicting deductibles or co-pay programs. Perhaps, one of the most highly debated issues concerning insurance companies was their unwillingness to compensate people who suffer pre- existing ailments. The Affordable Care Act now makes it possible for patients to purchase coverage plans where otherwise they would have been refuted. Once intimidating and incapable of compromising their strict policies to suit each individual, the reform now holds them accountable for providing insurance to those who previously would have been deemed ineligible. Along with these early changes, young adults under the age of 26 can now partake in their parent’s insurance policies if their current employment neglects to offer them worker’s health coverage. By 2014, despite the seemingly flawless benefits, all citizens of the country are mandated to acquire health insurance or suffer the consequence of paying an annual fine, a fearful situation for low income families. Some additional restrictions placed on insurance agencies such as Medicaid are that they can no longer rescind a present client’s contract if they are diagnosed with a serious illness and now anyone can appeal a claim denial when formerly only...

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