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Health Care Reform Essay

1834 words - 8 pages

Healthcare in the United States has long been a heated topic of discussion, it seems that the biggest issue with Health care reform is the simple lack of understanding towards health insurance all together. A study done by the journal Health Affairs found that “only 60 percent of the people who should be signing up for the ObamaCare understand all of its key concepts”. Jimmy Kimmel did a segment on his show Jimmy Kimmel Live called “Six of One” in which he sent a film crew around Hollywood, California to ask random people whether they preferred The Affordable Care Act or ObamaCare. I was sorry to see that so many different people were oblivious to the fact that ObamaCare is just a nickname ...view middle of the document...

However a study done by the Massachusetts Medical Society found that wait times for both family and internal medicine saw no real change since the law passed in April 2006. The PPACA is expanding medical and nursing training, and creating incentives for primary care and midlevel providers in order to attract more doctors into the shifting field of need.
The act was created to reduce high healthcare cost by expanding coverage to 32 million people who couldn’t get coverage before either because of financial cost or previous conditions. Who were using the emergency room as their own personal primary care doctor, driving up cost for everyone. The PPACA does this by transforming the non-group insurance market, mandates that most residents have health insurance, expands public insurance and subsidizes private insurance, raises revenues from a variety of new taxes -in 2013 incomes above $200,000 for individuals and $250,000 for couples filing jointly, and reduces and reorganizes spending under the nation’s largest health insurance plan-Medicare which is a universal insurance program for the elderly.
March 31, 2014 is the last day to purchase insurance without being accessed a fee of $95 or 1% of your income, whichever is higher in 2014. The fee will be applied when taxes are filed and will eventually increase to $695 or 2.5% of income but capping out at $2,085 per family maximum in 2016. It’s estimated that 1.2% of the population would rather be assessed the fee than purchase insurance. Which will cost an estimated $54 billion according to the Congressional Budget Office.
The Bill was repealed more than 44 times, but was upheld by the Supreme Court ruling but not without changes. One of the major changes was that states could opt out of the Medicaid expansion. Medicaid provides coverage for predominantly low income children and the poorest Americans. States that choose not to opt out of the Medicaid expansion would be paid by the federal government to add people below the newly expanded income requirements which is now up to 133% of the Federal poverty level-roughly $31,000 for a family of four, with eventually the States be responsible for 10% of the cost. The states also do not have to provide their own insurance exchanges but could rely on the federal government’s healthcare.gov website under the ruling. The exchanges were created to help buying insurance easier and to create competition within the insurance companies.
An income below 400% of the poverty level (94,000 for a family of four) will receive tax credits. The credits will be applied one of two ways, either as a tax credit when taxes are filled or as a subsidy applied to the monthly insurance premiums. The subsidies were created to help keep cost low so that it does not become more attractive to take the fee for not purchasing insurance and to also cap the share of income that individuals must spend to get insurance.
The subsidies will be financed through a reduction in reimbursements to...

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