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Patient Protection And Affordable Care Act: Pros And Cons

1672 words - 7 pages

One of the most controversial topics in the United States in recent years has been the route which should be undertaken in overhauling the healthcare system for the millions of Americans who are currently uninsured. It is important to note that the goal of the Affordable Care Act is to make healthcare affordable; it provides low-cost, government-subsidized insurance options through the State Health Insurance Marketplace (Amadeo 1). Our current president, Barack Obama, made it one of his goals to bring healthcare to all Americans through the Patient Protection and Affordable Care Act of 2010. This plan, which has been termed “Obamacare”, has come under scrutiny from many Americans, but has also received a large amount of support in turn for a variety of reasons. Some of these reasons include a decrease in insurance discrimination on the basis of health or gender and affordable healthcare coverage for the millions of uninsured. The opposition to this act has cited increased costs and debt accumulation, a reduction in employer healthcare coverage options, as well as a penalization of those already using private healthcare insurance.
To begin, one of the common reasons cited in support of Obamacare is a decrease in health and gender-based discrimination by insurance companies. The changes in requiring all Americans to have affordable coverage, as well as changes in how insurers can set premiums, will allow those with medical conditions and disabilities, as well as women who need pregnancy care the ability to have healthcare insurance without having to potentially be denied coverage or forced to pay a much higher than average price (The Pros and Cons of ObamaCare 1).
In addition, it provides a host of other benefits for women. Obamacare requires that maternity care be a part of all new insurance plans. This will provide 8.7 million women access to maternity care in new individual and small group plans. Previously, only 12% of plans sold in the individual market offered the option of maternity care coverage, and which was often lacking and didn’t cover enough of the costs of pregnancy. The practice of “gender rating”, which allowed insurers to charge women higher premiums, and which also led to women paying $1 billion dollars more each year compared to men for the same plans, is no longer allowed under Obamacare. There have also been changes regarding children and healthcare coverage. Insurers are no longer allowed to deny children coverage just because of a pre-existing condition, and children are also allowed to say on the parents plan until the age of twenty-six (ObamaCare: Pros and Cons of ObamaCare 1). This has resulted in a profit for healthcare providers, as they receive more premiums for healthier young people, and, as of 2012, has resulted in three million more insured children (Amadeo 1).
Secondly, Obamacare brings affordable healthcare coverage to over thirty-two million Americans who are currently uninsured. The Affordable Care Act...

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