The Affordable Care Act, often referred to as the ObamaCare was signed into law on March 23, 2010. It has created a lot of controversy since its debut. The Healthcare reform will affect all Americans. The issue has many Americans believing it is a great thing for our country while others believe it is a terrible idea and then of course there are those who don’t know what to think. By Jan 1, 2014 Americans will be required to purchase a health care policy or will have to pay a penalty. Ready or not it’s happening. First you would have to understand the background information of the program. As with all things there are pros and cons to the Affordable Care Act. Because it is a new law it is not flawless there is room for changes and recommendations.
Lets begin with the background information of the policy issue.
BACKGROUND INFORMATION: It was created to provide affordable, quality health care for eligible Americans and legal residents. The act was created to reduce the growing number of uninsured Americans. According to PBS, there are 44 million Americans without health insurance. Just because it is the law to have health care coverage does not mean that every single person in America will have coverage there will still be some without coverage. It is just reducing the numbers. Undocumented aliens will not be covered under the Affordable Care Act and will be left uninsured just as they are now.
The idea of health care reform was introduced in 1989, proposed by Heritage Foundation and then later implemented by Governor Romney. It became a political platform for the Democratic Party in the 2008 elections. Once Obama was elected he began trying to pass the policy in 2009. The act went through changes before settling and becoming now what has been signed into law as the Affordable Care Act.
The Affordable Care Act will provide many provisions that protect Americans. The new changes will prohibit health care companies from canceling health coverage because you get sick or make an honest mistake on the application. Health Care companies will not be able to deny or terminate a applicant because of pre-existing conditions and or gender discrimination. It will allow children to remain on their parent’s plan until the age of 26. Under the new health care reform the insurance companies are unable to increase premiums that are unjustifiable and will give the consumers more appeal rights. Insurance companies will also be required to provide 10 basic essentials in health care plans. If a plan does not provide the 10 essentials insurance companies cannot offer the plan. (This was reevaluated as many were dropped from their insurance providers because of the current policies did not have the 10 essentials.) The new law has also created a Health Insurance Exchange Marketplaces in every stated, ours in California is Covered California. Covered California is a place that allows consumers to shop for health care coverage in one place.
By January 1, 2014 all...