HLTH - 556 DB 6 - Urgently Required. 12-16 Hours. Need A + Work

The passing and implantation of the Affordable Care Act (ACA) came with both positive aspects as well as negative. One positive aspect is that millions of Americans are now able to obtain insurance whereas they were not able to do so before. A major negative aspect to consider when discussing the ACA is the cost associated with it. In fact prior to its passing and since, many Republican’s questioned how Americans would cover the cost.

            Since its passing, numerous increases in cost for health insurance have occurred. Increases in overall premiums as well as large deductibles are now significant issues for most individuals. Even employers cost have increased due to the increase in premiums for their employee’s health insurance.  In fact studies show that the cost of insurance has increased significantly enough that the average working employee is picking up over $5000 more in cost for their family insurance plan through their employer (How Has Obamacare Impacted health Care Spending, n.d.). Also many plans are now deducible plans and the amount of the deducible is so large that many average healthy citizens still have to pay out of pocket and honestly may never reach the amount required of the deducible. Having such a plan is something much newer and it is said that the ACA is to thank for those increases.

            Upon further research and seeing correlation between the ACA and higher cost for health insurance premiums, it is very difficult for me to support it. Living a good life comes at a high cost as it is. Adding to those high cost for adequate health care insurance coverage should not cause more financial hardship on individuals or employers.  A recent employment change for myself has caused me to see firsthand how it is to have a deductible insurance plan. It is frustrating to me to pay every two weeks for something that does not even cover a sick visit at my children’s pediatrician. Each time I pay between eight to one hundred and fifty dollars to get my kid seen for something as simple as an ear infection. Then also pay a higher cost for the medication to treat it. I could not imagine the higher cost and or deductible that others have to tolerate. Although I thoroughly believe that the ACA had good intentions to serve all individuals regardless of pre-existing conditions; the cost associated are not fair for the public in which it serves. I think that if this act had more time to be reviewed and discussed it could have been much more successful to the American people. As it stands now insurance companies and their executives are lining their pockets. Even people who decide not to have coverage due to cost still get penalized for not paying for coverage. If more stipulations where placed on the insurance companies to be fair to members the ACA would have been much more successful overall. Fairness for each individual person needs to be taken into consideration as every person has a right to affordable health care coverage. From a Christian worldview our Lord would want fairness and equality for all, even when discussing health care. “But the wisdom from above is first pure, then peaceable, gentle, open to reason, full of mercy and good fruits, impartial and sincere” ( James 3:17, ESV).

Reference

How Has Obamacare Impacted Health Care Spending in ... - Money. (n.d.). Retrieved February 27, 2018, from http://www.bing.com/cr?IG=DBBF86452BC0477588591C09B085CE0A&CID=23666279C6776C44013869DAC7D86D74&rd=1&h=8-wb9ju4IemW-fZFtx3uo-OPADLkX84FmqhEXt2_JpI&v=1&r=http%3a%2f%2ftime.com%2fmoney%2f4503325%2fobama-health-care-costs-obamacare%2f&p=DevEx,5069.1