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. If the purpose of the mandate was to insure the uninsured, then why will the U.S. have those that were insured become the uninsured as well as a portion of the uninsured will remain uninsured?
Ilya Somin writes in her article “The federal government argues that the mandate is authorized by the Commerce Clause, the Tax Clause, and the Necessary and Proper Clause. All three arguments logically imply unlimited federal authority to impose virtually any other mandate, especially one that has economic effects of some kind. The only exceptions are those barred by individual rights provisions of the Constitution. In addition, it seems likely that Congress and various interest groups will try to take advantage of this slippery slope in practice” (Somin, 2012). In other words, the ACA is a “Trojan Horse” designed to move towards a single pay socialized medicine controlled by the federal government.
Based on the shattered promises, health care in the United States is no more affordable now than it was before the passing of the Affordable Care Act. For the individuals that exceed the 138% of the Federal Poverty Level they are the most in jeopardy of not having affordable health care. The negative effects of the ACA on those who had insurance and the changes that are taking place in the workforce are devastating. Those who meet the poverty levels already had Medicaid available to them, those who had employer plans have lost them and now have higher premiums and some employees have had their jobs eliminated or hours reduced so they can no longer afford coverage. The new premiums and deductibles exceed their already tight budgets.
One of the state’s options was to Opt In or Opt Out of the ACA Medicaid expansion. The Medicaid expansion would provide coverage for adults living below the poverty level. These adults have limited income potential and do not have access to an employer plan nor can they afford to purchase a health insurance plan. In states that do not Opt In of the Medicaid expansion, those below poverty may remain uninsured, but those with incomes between 100%-138% of the Federal Poverty Level may gain subsidized coverage in the Marketplace. The subsidies provided may not be sufficient to cover the full monthly cost of the insurance premium. If the subsidies do not cover the entire cost there is no incentive to purchase the insurance.
The promise of reduced premiums has not played out nor has the promise of keeping your current plan if you liked it. The once affordable employer plans...

Find Another Essay On Is The Affordable Care Act Really Affordable?

The Affordable Care Act Essay

2367 words - 10 pages Health Insurance and Managed Care The key provisions of the Affordable Care Act are designed to decrease obstacles for obtaining health care coverage as well as accessing care. After the legislation is fully implemented, all Americans will be required to have health insurance through an employer, or through a public program such as Medicare or Medicaid, or by purchasing through an insurance exchange (Bihari, 2013). Under the ACA, health plans

The Affordable Care Act Essay

2453 words - 10 pages is part of the first amendment of the U.S. Constitution and the Religious Freedom Restoration Act protect companies that are run according to the owners' religions (Mears, 2014 ). The case is a reaction against a requirement in the Affordable Care Act for employer-based health insurance plans to include contraceptives and other preventive services for female employees (Mears, 2014 ). This case would become a major precedent if the ruling is in

The Affordable Care Act

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 Beneficial?

1569 words - 7 pages still exists in modern times, except it involves not only the poor, but also the elderly and disabled. In the 1960s the Medicare and Medicaid programs were put into place to try to help those that can’t afford health insurance. However, not everyone is eligible for those programs, so they still lack health insurance and are still susceptible to various illnesses. This is why the Affordable Care Act, or commonly known as Obamacare, was signed into

The Affordable Care Act Is Not Enough

1870 words - 7 pages The issue regarding the lack of healthcare in America is prominent but is a more significant issue than what is commonly known. For instance, it is not publicly recognized that those who are mentally ill are covered by the same healthcare as those with conventional ailments. Because of this, money becomes an issue; health insurers cannot cover every case, or cannot fully cover any case. The Affordable Care Act (ACA) and Patient Protection Act

The Affordable Care Act (ACA)

740 words - 3 pages Facts: What You Must Know about the Patient Protection and Affordable Care Act. First Kindle Edition, 2013. Kindle. Nordqvist, Christian. “What is The Affordable Care Act? What is ObamaCare?.” Medical News Today. Medilexicon, Intl., 30 Jun. 2012. Web. 22 May. 2014. “Affordable Care Act.” Iowa Nurse Reporter Aug. 2013: 4+. Academic OneFile. Web. 22 May 2014. Works Cited

Affordable Care Act

733 words - 3 pages Affordable Care Act Due to the affordable Care Act, the middle class will not have the finances to support the everyday cost of living in Indiana. Americans have a hard enough time surviving in the recovering economy. Now they have to deal with higher premiums and increased penalties if they do not sign up for the Affordable Care Act. The full name for this law is the Patient Protection and Affordable Care Act. The law was passed two years

Affordable Care Act

1308 words - 6 pages . Despite the proposals of various politicians, advocacy groups, and medical leaders across the country, little progress was made. March 23rd of 2010 marked a major milestone in American healthcare progress when President Barack Obama signed into law the Patient Protection and Affordable Care Act.1 Although the purpose of this legislation is to change healthcare in a positive way, this law is certainly ambitious. The Affordable Care Act, also known

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

Affordable Care Act

3004 words - 13 pages It takes very little to disrupt the slow but steady healing progress our nation has undertaken in the wake of the financial crisis of seven years ago. As President Barack Obama once said, by signing the Affordable Care Act into law, “everyone should have some basic security when it comes to their health care” (Stolberg, Sheryl Gay) . Something as influential as a universal health care bill is no exception to delicate recovery the United States

Affordable Care Act: Portfolio

2212 words - 9 pages Introduction This paper will take into account the Affordable Care Act (ACA) Law and how all three branches of government are involved with the creation and analyze issues associated with the ACA. Subsequently the paper will describe the role of public opinion and lobbying groups. Thirdly this paper will evaluate the concepts of equity, efficiency, and effectiveness showcasing their role in the law and its passage. This paper will take into

Similar Essays

The Affordable Care Act Essay

2020 words - 8 pages debatable regarding social class in some way. The Affordable Care Act is disliked by the members of the upper and middles classes because many think that current taxes will just be met with increased taxation, but this is not really the case. Each year in America millions of dollars in unpaid medical debts are paid in taxes by the nation’s citizens. The reason most of these medical debts were created in the first place was because the patient(s) did

The Affordable Care Act Essay

2044 words - 9 pages Protection and Affordable Care Act until thoroughly researching and critically analyzing the bill’s purpose, content, and the affects it can have on the individual, a community, and the nation as a whole. The Patient Protection and Affordable Care Act is designed to offer affordable health coverage to those who are not offered health benefits through their employer or have been denied health coverage in the past. This includes people with pre

The Affordable Care Act Essay 2163 Words

2163 words - 9 pages law by President Barrack Obama, of the Patient Protection and Affordable Care Act (PPACA), better known as the Obama Care Act (The White House, 2014). In summary, the PPACA act, considered a revolutionary legislation, would extend comprehensive, cheap, and quality insurance coverage for/to many Americans. The purpose of this research paper is to discuss the advantages, disadvantages, and inherent effects of the Affordable Care Act in order to

The Affordable Care Act Essay 1127 Words

1127 words - 5 pages After the inception of ACA that is Affordable Care Act on March 23, 2010 various policies and regulations has been proposed which has more controversy (www.healthcapital.com, 2013). Affordable health act has impact on the stakeholders in different manner. The main concern in the medical field is the input cost which is increasing continuously. This is the biggest challenge for the US government as the increasing cost makes it impossible for the