Discussion week 3

Instructions

Reply # 1

-

Discussion Week 3

1.

Respond to at least two of your colleagues* on two

different days by expanding on

their explanation and providing an example that supports their explanation or

respectfully challenging their explanation and providing an example.

Holly

Cochran

3wk

Assignment

Discussion

Policy

–

ACA

repeal

No

matter

what

your

political

affiliation

is,

having

affordable

healthcare

should

always

be

a

high

priority.

The

Affordable

Care

Act,

also

known

as

”Obamacare”

or

ACA,

was

signed

and

adopted

in

2010

as

a

means

of

improving

healthcare

while

also

controlling

costs

(Norris,

2020).

While

millions

of

Americans

have

benefited

from

the

ACA,

most

of

them

have

been

either

unemployed

or

in

low

-

wage

jobs.

Despite

some

of

the

positive

outcomes,

the

ACA

is

still

deemed

as

high

controversial

(The

Pros

and

Cons

of

Obamacare

-

The

Affordable

Care

Act,

2019).

No

one

can

argue

that

there

are

some

very

positive

benefits

of

the

ACA

such

as:

pre

-

existing

conditions

cannot

deny

cover

age,

health

insurance

is

more

affordable,

no

time

limits

on

care,

more

screenings

are

available

and

prescription

drugs

cost

less.

Some

cons

are:

high

premiums,

fines

for

not

having

health

insurance,

and

an

increase

in

taxes.

Some

even

say

that

business

are

cutting

employee’s

worked

hours

to

keep

from

having

to

pay

insurance

(The

Pros

and

Cons

of

Obamacare

-

The

Affordable

Care

Act,

2019).

In

2017,

The

Tax

Cuts

and

Job

Act

(TCJA)

eliminated

the

tax

penalty

for

individuals

without

insurance.

T

his

did

save

a

great

number

of

people

with

chronic

illnesses,

but

did

not

evenly

distribute

the

effectiveness

of

cost

(Rum,

2019).

If

the

ACA

is

repealed,

a

domino

effect

could

potentially

occur.

There

would

no

longer

be

preexisting

condition

clauses,

pre

ventative

health

screenings,

and

there

would

be

a

rise

in

prescription

drug

–

all

causing

a

ripple

effect

throughout

our

economy

(Rum,

2019).

Politicians

tend

to

use

the

ACA

as

a

sounding

board

or

even

bargaining

tool,

if

you

will,

to

help

support

their

p

arty.

While

the

new

President

-

elect,

Biden,

aims

to

reinvigorate

the

ACA

–

with

a

major

change

of

lower

Medicare

age

from

65

to

60

in

an

effort

to

help

the

aging

population

(Goldstein,

2002).

The

organization

that

I

work

for

decided

that

they

are

no

longer

to

offer

a

blanket

insurance

plan

for

the

employees.

We

now

have

what

is

known

is

ICHRA

(Individual

covered

health

reimbursement

arraignment).

Although

it

was

a

very

scary

to

find

out

that

we

have

to

simply

either

go

on

the

Healthcare.gov

w

ebsite

or

contact

our

on

private

company,

it

actually

worked

out

for

the

better

for

my

family.

Our

organization

give

us

money

toward

our

monthly

premium

and

it

is

based

on

age

and

number

of

family

members

requiring

insurance.

If

you

find

a

policy

that

is

less

expensive

that

what

they

offer,

the

remaining

funds

are

placed

into

an

HRA

that

is

used

towards

healthcare

costs.

I

actually

was

able

to

find

a

better

plan,

with

better

coverage

than

I

had

at

the

hospital

and

it

was

cheaper.

Saying

this,

our

country

will

always

be

forever

changing.

Political

affiliation

aside,

doing

what

is

right

for

the

better

of

our

country

should

be

the

number

one

priority.

Both

Instructions Reply # 1 - Discussion Week 3

1. Respond to at least two of your colleagues* on two different days by expanding on

their explanation and providing an example that supports their explanation or

respectfully challenging their explanation and providing an example.

Holly Cochran

3wk Assignment Discussion Policy – ACA repeal

No matter what your political affiliation is, having affordable healthcare should

always be a high priority. The Affordable Care Act, also known as ”Obamacare” or ACA, was

signed and adopted in 2010 as a means of improving healthcare while also controlling costs

(Norris, 2020). While millions of Americans have benefited from the ACA, most of them

have been either unemployed or in low-wage jobs. Despite some of the positive outcomes,

the ACA is still deemed as high controversial (The Pros and Cons of Obamacare - The

Affordable Care Act, 2019).

No one can argue that there are some very positive benefits of the ACA such as: pre-

existing conditions cannot deny coverage, health insurance is more affordable, no time

limits on care, more screenings are available and prescription drugs cost less. Some cons

are: high premiums, fines for not having health insurance, and an increase in taxes. Some

even say that business are cutting employee’s worked hours to keep from having to pay

insurance (The Pros and Cons of Obamacare - The Affordable Care Act, 2019).

In 2017, The Tax Cuts and Job Act (TCJA) eliminated the tax penalty for individuals

without insurance. This did save a great number of people with chronic illnesses, but did

not evenly distribute the effectiveness of cost (Rum, 2019). If the ACA is repealed, a domino

effect could potentially occur. There would no longer be preexisting condition clauses,

preventative health screenings, and there would be a rise in prescription drug – all causing

a ripple effect throughout our economy (Rum, 2019). Politicians tend to use the ACA as a

sounding board or even bargaining tool, if you will, to help support their party. While the

new President-elect, Biden, aims to reinvigorate the ACA – with a major change of lower

Medicare age from 65 to 60 in an effort to help the aging population (Goldstein, 2002).

The organization that I work for decided that they are no longer to offer a blanket

insurance plan for the employees. We now have what is known is ICHRA (Individual

covered health reimbursement arraignment). Although it was a very scary to find out that

we have to simply either go on the Healthcare.gov website or contact our on private

company, it actually worked out for the better for my family. Our organization give us

money toward our monthly premium and it is based on age and number of family members

requiring insurance. If you find a policy that is less expensive that what they offer, the

remaining funds are placed into an HRA that is used towards healthcare costs. I actually

was able to find a better plan, with better coverage than I had at the hospital and it was

cheaper. Saying this, our country will always be forever changing. Political affiliation aside,

doing what is right for the better of our country should be the number one priority. Both