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CHE 6305-20C-4B21-S1, Issues and Trends in Community Health•Unit VIII PowerPoint PresentationView Originality Report - Old Design
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AFFORDABLE HEALTH CARE POLICY
Marcella Woods
1Columbia Southern University
CHE 6305 Issues and Trend in Community Health
April 4, 2021
2Private Health Insurance and the Lack of Insurance
Many world countries have national systems of insurance
The US on the contrast depend on the direct fee system
This requires patients to pay for themselves
It is required this is assisted by the private insurers
Leaving this important scheme in the hands of private insurers is catastrophic (Douglass et al., 2018)
One big problem with the current policy is the private insurance and the lack of insurance.
2Medicine in the United States is a big business.
3Expenditures for health care, health research, and other health items and services have risen sharply in recent decades, having increased tenfold since 1980, and now costs the nation more than $2.6 trillion annually
2An important reason is the US system of private health insurance. As discussed earlier, other Western nations have national systems of health care and health insurance.
4In stark contrast to these nations, the United States relies largely on a direct-fee system, in which patients under 65 (those 65 and older are covered by Medicare) are expected to pay for medical costs themselves, aided by private health insurance, usually through one’s employer
2
The High Cost of Healthcare
The US pends more than any other country in healthcare.
Many argue that this is due to quality of healthcare
The reason is because of administrative costs
The Logistics of the billing, private record keeping increases the cosy (Douglass et al., 2018).
There is the high cost of healthcare in US.
2Why is US spending on health care so high?
5Although this is a complex issue, two reasons stand out.The money traps in US health care.
2New York Times, p.
SR12.
2First, administrative costs for health care in the United States are the highest in the industrial world. Because so much of US health insurance is private, billing and record-keeping tasks are immense, and “hordes of clerks and accountants [are] needed to deal with insurance paperwork,” according to one observer. The money traps in US health care.
6Billing and other administrative tasks cost about $360 billion annually, or 14 percent of all US health-care costs.
2Billions wasted on billing
3
The High Cost of Healthcare
US depends on free of service from private insurers
Private are thus free to charge anything
Government subsidizes this cost in other countries
The hospitals and other institutions charge more than they should
The practitioners are thus motivated when doing work (Graves et al., 2017)
The high cost in healthcare has another aspect.
7The United States relies on a fee for service model for private insurance.
2Under this model, physicians, hospitals, and health care professionals and business are relatively free to charge whatever they want for their services. In the other industrial nations, government regulations keep prices lower. This basic difference between the United States and its peer nations helps explain why the cost of health care services in the United States is so much higher than in its peer nations.
5Simply put, US physicians and hospitals charge much more for their services than do their counterparts in other industrial nations.
2And because physicians are paid for every service they perform, they have an incentive to perform more diagnostic tests and other procedures than necessary.
5As one economic writer recently said, “The more they do, the more they earn”.
2A grim diagnosis for our ailing health care system
4
Affordable Healthcare Target Population
8The adult and the young
Men and women under 26 years are eligible
Millions of unemployed, uninsured and low-income families
The low-income individuals without children are eligible
Basically, anyone who could not qualify is covered (Graves et al., 2017).
The affordable healthcare target population includes the following:
8Young adult coverage: All men and women under the age of 26 are eligible to receive health insurance under their parents’ individual or employer-sponsored coverage plan. This rule applies to persons living in all states, regardless of whether the child is married, attending a higher-learning institution, eligible for employer-based insurance, or otherwise able to obtain coverage beyond their parents’ plans. Medicaid/CHIP Expansion: One specific goal of the ACA is expansion of Medicaid and Children’s Health Insurance Program (CHIP) in order to provide coverage for millions of uninsured, low-income American families. The original intention of the ACA was to cover any individual under the age of 65 who earns at or below 138% of the Federal Poverty Level (FPL) through an expansion of state-sponsored Medicaid programs. For the first time, low-income individuals who do not have children were to also qualify for Medicaid. Like other uninsured individuals, low-income men and women who are eligible for Medicaid are free to browse different coverage options using the ACA Healthcare Exchange (see below).However, a 2012 Supreme Court ruling allows states to opt out of the Medicaid/CHIP expansion laid down in the ACA, several U.S.
8states have opted out while others have begun to implement the new programs.
5
Affordable Healthcare Target Population
Subsidized coverage for all the people
The health policy can cause additional expenses
Federal government usually does the subsidy
It has the element of consumer protection
9You cannot be denied because of a condition
All the people eligible do access all the benefits (Galvani et al., 2020)
The population targeted by the affordable also include the Consumer Protection:
8Policy-holders and health insurance companies have fought a long-standing battle regarding health conditions that prompt providers to drop coverage to beneficiaries
Essential Benefits:
8Under the ACA, the following benefits are considered essential and must be included in all individual and group coverage plans:
Ambulatory patient services
Emergency services
Hospitalization
10Maternity and newborn care Mental health and substance abuse disorder services (including behavioral health treatment) Prescription drugs
Rehabilitative and habilitative services (including certain devices) Laboratory services
10Preventive services and chronic disease management
Pediatric services (including dental and vision) It endeavours to cover all the people will be eligible to the policy, those who have pre-existing conditions will be included
6
Challenges of Affordable Health Care
Higher premiums
Fines if you do not have a policy
Taxes are high as a result
Enrolment day is the best day for recruitment
Employers cut down employee hours (Galvani et al., 2020)
There are many challenges that face the affordable healthcare which include the higher premiums paid, there are fines that will be imposed if you do not subscribe to the policy, the policy has resulted to high taxation and the employers have cut down the employee hours so that they do not pay more for them.
11Many people have to pay higher premiums Insurance companies now provide a wider range of benefits and cover people with preexisting conditions.
12This has caused premiums to rise for a lot of people who already had health insurance.
11You can be fined if you don’t have insurance The goal of Obamacare is for people to be insured year round.
12If you’re uninsured and don’t obtain an exemption, you must pay a modest fine. Recent events have changed this fine, and beginning with the tax year 2019 it will be eliminated. Some people think it’s intrusive for the government to require health insurance. ACA supporters argue that not having insurance passes your healthcare costs on to everyone else.
11Taxes are going up as a result of the ACA Several new taxes were passed into law to help pay for the ACA, including taxes on medical device and pharmaceutical sales.
12Taxes were also increased for people with high incomes. Funding also comes from savings in Medicare payments. The wealthy are helping to subsidize insurance for the poor. Some economists, however, predict that in the long term, the ACA will help reduce the deficit and may eventually have a positive impact on the budget.
11It’s best to be prepared for enrollment day The ACA website had a lot of technical problems when it was first launched.
12This made it difficult for people to enroll and led to delays and lower-than-expected signups. The website problems were eventually fixed, but many consumers have complained that signing up for the right family or business coverage can be tricky. In recent years, the enrollment period has also been shortened to between November 1 and December 15. Many hospitals and public health agencies have set up programs to help guide consumers and business owners through the setup process. The ACA website also has sections devoted to explaining the procedures and available options.
11Businesses are cutting employee hours to avoid covering employees Opponents of Obamacare claimed the legislation would destroy jobs.
12The number of full-time jobs has gone up in recent years, but there are still reports of businesses cutting hours from employee schedules. Business with 50 or more full-time employees must offer insurance or make payments to cover healthcare expenses for employees. By reducing hours, businesses are able to get by the 30-hour-per-week definition of a full-time employee
7
The Good Things About the Policy
More people covered by the policy
Affordability
Those with pre-existing condition are covered
13There is no time limits on the care
Many screenings covered now
Cheaper prescription drugs (Joseph & Marrow, 2017)
The current policy has good things also that we need to build on.
They include
11More Americans have health insurance More than 16 million Americans obtained health insurance coverage within the first five years of the ACA.
12Young adults make up a large percentage of these newly insured people.
11Health insurance is more affordable for many people
14Insurance companies must now spend at least 80 percent of insurance premiums on medical care and improvements.
12The ACA also aims to prevent insurers from making unreasonable rate increases. Insurance coverage isn’t free by any means, but people now have a wider range of coverage options.
11People with preexisting health conditions can no longer be denied coverage A preexisting condition, such as cancer, made it difficult for many people to get health insurance before the ACA.
12Most insurance companies wouldn’t cover treatment for these conditions. They said this was because the illness or injury occurred before you were covered by their plans. Under the ACA, you can’t be denied coverage because of a preexisting health problem.
11No time limits exist on care Before the ACA, some people with chronic health problems ran out of insurance coverage.
12Insurance companies set limits on the amount of money they would spend on an individual consumer. Insurance companies can no longer maintain a preset dollar limit on the coverage they provide their customers.
11More screenings are covered The ACA covers many screenings and preventive services.
12These usually have low copays or deductibles. The hope is that if you’re proactive in your healthcare, you can avoid or delay major health problems later. Healthier consumers will lead to lower costs over time. For example, a diabetes screening and early treatment may help prevent costly and debilitating treatment later. “The ACA is going to help all Americans have higher quality and less costly healthcare in the decades to come,” says Dr. Christopher Lillis, an internist in Virginia and a member of Doctors for America.
11Prescription drugs cost less The ACA promised to make prescription drugs more affordable.
12Many people, particularly senior citizens, are unable to afford all their medications. The number of prescription and generic drugs covered by the ACA is growing every year
8
Modifications to the Policy
15Continuous Medicaid expansion and health insurance marketplaces.
Adding more protections to those with pre-existing conditions
Enable states to expand Medicaid to more less fortunate
Including more women in coverage with their health guaranteed (Joseph & Marrow, 2017).
The modifications that we need to make include the continuous expansion of the Medicaid and health insurance market, Protecting those living with pre existing conditions, enabling states to expand Medicaid to the less fortunate and including more women in coverage with their health being guaranteed.
15Medicaid expansion currently covers 12.7 million people made newly eligible by the ACA, and the ACA’s enrollment outreach initiatives generated a “welcome-mat” effect that spurred enrollment among people who were previously eligible for Medicaid and CHIP.
9
Modifications to the Policy
Raising the standards so that more middle and low income families are covered
Improve access to prescription drugs
Provide the healthcare system and the patients with resources in rural areas
Reducing the cost to be paid by the senior citizens
Providing protections to the disabled
More modifications that we need to make to the policy include raising standards for the low and middle income, improve access to prescription drugs, providing the healthcare system and the patients with resources, reduction of the cost paid by the older citizens and provisions of protection to the disabled.
15The ACA mandates that plans include maternity coverage and makes key preventive services available without cost sharing, including breastfeeding support services and supplies; annual well-woman visits; and screenings for cervical cancer, HIV, and interpersonal and domestic violence. Thanks to the ACA, about 61 million women nationwide can access contraception without any out-of-pocket cost. One study estimated that the ACA’s contraception benefit has saved women at least $1.4 billion annually on birth control pills alone.
10
Implementation of the New Policy
Increased resources to healthcare allocation
Extending the minimum Medicaid eligibility to children
Laying down a process for faster food and drug administration approvals of biosimilars
Provision of resources to healthcare systems and resources
Establishing centre for Medicare and Medicaid innovation for reduction of costs strategies
15The idea in implementing the modifications is to extend the minimum Medicaid eligibility level for children to 138 percent of the federal poverty level and mandated that states “use a uniform definition of income” to set standards for children’s coverage.
This will include increasing the resources to healthcare allocation, laying down a process for faster food and drug administration approvals of the biosimilars, provision of resources to healthcare systems and finally establishing centre for medicare and Medicaid innovation for reducing the cost strategies.
11
Possible Positive Outcomes of Modifications
Millions and millions of Americans will be insured
9It will protect people with pre-existing conditions from discrimination
Expansion of Medicaid will help the low and middle level families
Healthcare will become more affordable
Women will not be charged for insurance and there will be a guarantee of women for essential things von (Seidlein et al., 2017).
We expect millions and millions of Americans to be insured at the end of the day, It will protect people with pre-existing conditions from discrimination
Expansion of Medicaid will help the low and middle level families
Healthcare will become more affordable
Women will not be charged for insurance and there will be a guarantee of women for essential things von.
16Prior to the ACA, women faced unique barriers to adequate care.
15Insurers in the individual market could charge women up to 1.5 times more than men for health insurance, a discriminatory practice known as gender rating, and insurers treated pregnancy as a preexisting condition. Plans could also exclude critical women’s health benefits from coverage: In 2011, 62 percent of individual market enrollees were in plans without maternity coverage. The ACA outlawed gender rating and prohibited insurers from discriminating against people with preexisting conditions. The latter is a crucial protection for women: About 1 in 2 girls and nonelderly women have a preexisting condition.
12
Possible Positive Outcomes of Modifications
Young adults and children have greater access to coverage
The ACA improved access to prescription drugs
Rural communities have benefited from the ACA
The ACA lowered costs for seniors on Medicare
Protections for disabled people were enhanced (Seidlein et al., 2017)
REFERENCES
Douglass, C.
H., Pedrana, A., Lazarus, J.
V., FM‘t Hoen, E., Hammad, R., Leite, R.
B.,...
& Hellard, M.
(2018).
Pathways to ensure universal and affordable access to hepatitis C treatment.
BMC medicine, 16(1), 1-9.
Graves, J.
A., & Nikpay, S.
S.
(2017).
The changing dynamics of US health insurance and implications for the future of the Affordable Care Act.
Health Affairs, 36(2), 297-305.Retrieved from https://www.healthaffairs.org/doi/abs/10.1377/hlthaff.2016.1165
Galvani, A.
P., Parpia, A.
S., Foster, E.
M., Singer, B.
H., & Fitzpatrick, M.
C.
(2020).
Improving the prognosis of health care in the USA.
The Lancet, 395(10223), 524-533.
17Retrieved from https://www.sciencedirect.com/science/article/pii/S0140673619330193
Joseph, T.
D., & Marrow, H.
B.
(2017).
Health care, immigrants, and minorities:
11lessons from the affordable care act in the US.
von Seidlein, L., Ikonomidis, K., Mshamu, S., Nkya, T.
E., Mukaka, M., Pell, C.,...
& Knudsen, J.
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Affordable house designs to improve health in rural Africa:
a field study from north eastern Tanzania.
The Lancet Planetary Health, 1(5), e188-e199.
14
Source Matches (65)- 1Student paper71%
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AFFORDABLE HEALTH CARE POLICY
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Columbia Southern University
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Columbia Southern University
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Private Health Insurance and the Lack of Insurance
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Medicine in the United States is a big business.
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Expenditures for health care, health research, and other health items and services have risen sharply in recent decades, having increased tenfold since 1980, and now costs the nation more than $2.6 trillion annually
Original source
Expenditures for health care, health research, and other health items and services have risen sharply in recent decades, having increased tenfold since 1980, and now costs the nation more than $2.6 trillion annually (see )
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An important reason is the US system of private health insurance. As discussed earlier, other Western nations have national systems of health care and health insurance.
Original source
An important reason is the US system of private health insurance As discussed earlier, other Western nations have national systems of health care and health insurance
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In stark contrast to these nations, the United States relies largely on a direct-fee system, in which patients under 65 (those 65 and older are covered by Medicare) are expected to pay for medical costs themselves, aided by private health insurance, usually through one’s employer
Original source
In stark contrast to these nations, the United States relies largely on a direct-fee system, in which patients under 65 (those 65 and older are covered by Medicare) are expected to pay for medical costs themselves, aided by private health insurance, usually through one’s employer
- 2lardbucket100%
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Why is US spending on health care so high?
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Why is US spending on health care so high
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Although this is a complex issue, two reasons stand out.The money traps in US health care.
Original source
Although this is a complex issue, two reasons stand out (Boffey, 2012)
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New York Times, p.
Original source
New York Times, p
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First, administrative costs for health care in the United States are the highest in the industrial world. Because so much of US health insurance is private, billing and record-keeping tasks are immense, and “hordes of clerks and accountants [are] needed to deal with insurance paperwork,” according to one observer. The money traps in US health care.
Original source
First, administrative costs for health care in the United States are the highest in the industrial world Because so much of US health insurance is private, billing and record-keeping tasks are immense, and “hordes of clerks and accountants [are] needed to deal with insurance paperwork,” according to one observer (Boffey, 2012, p The money traps in US health care
- 6Student paper100%
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Billing and other administrative tasks cost about $360 billion annually, or 14 percent of all US health-care costs.
Original source
Billing and other administrative tasks cost about $360 billion annually, or 14 percent of all US health-care costs
- 2lardbucket100%
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Billions wasted on billing
Original source
Billions wasted on billing
- 7Student paper100%
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The United States relies on a fee for service model for private insurance.
Original source
United States relies on a fee for service model for private insurance
- 2lardbucket100%
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Under this model, physicians, hospitals, and health care professionals and business are relatively free to charge whatever they want for their services. In the other industrial nations, government regulations keep prices lower. This basic difference between the United States and its peer nations helps explain why the cost of health care services in the United States is so much higher than in its peer nations.
Original source
Under this model, physicians, hospitals, and health care professionals and business are relatively free to charge whatever they want for their services In the other industrial nations, government regulations keep prices lower This basic difference between the United States and its peer nations helps explain why the cost of health care services in the United States is so much higher than in its peer nations
- 5Student paper93%
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Simply put, US physicians and hospitals charge much more for their services than do their counterparts in other industrial nations.
Original source
Simply put, US physicians and hospitals charge much more for their services than do their counterparts in other industrial nations (Klein, 2012)
- 2lardbucket100%
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And because physicians are paid for every service they perform, they have an incentive to perform more diagnostic tests and other procedures than necessary.
Original source
And because physicians are paid for every service they perform, they have an incentive to perform more diagnostic tests and other procedures than necessary
- 5Student paper88%
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As one economic writer recently said, “The more they do, the more they earn”.
Original source
As one economic writer recently said, “The more they do, the more they earn” (Samuelson, 2011)
- 2lardbucket100%
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A grim diagnosis for our ailing health care system
Original source
A grim diagnosis for our ailing health care system
- 8medicalbillingandcoding68%
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The adult and the young
Original source
Young adult coverage
- 8medicalbillingandcoding100%
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Young adult coverage: All men and women under the age of 26 are eligible to receive health insurance under their parents’ individual or employer-sponsored coverage plan. This rule applies to persons living in all states, regardless of whether the child is married, attending a higher-learning institution, eligible for employer-based insurance, or otherwise able to obtain coverage beyond their parents’ plans. Medicaid/CHIP Expansion:
Original source
Young adult coverage All men and women under the age of 26 are eligible to receive health insurance under their parents’ individual or employer-sponsored coverage plan This rule applies to persons living in all states, regardless of whether the child is married, attending a higher-learning institution, eligible for employer-based insurance, or otherwise able to obtain coverage beyond their parents’ plans Medicaid/CHIP Expansion
- 8medicalbillingandcoding100%
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One specific goal of the ACA is expansion of Medicaid and Children’s Health Insurance Program (CHIP) in order to provide coverage for millions of uninsured, low-income American families. The original intention of the ACA was to cover any individual under the age of 65 who earns at or below 138% of the Federal Poverty Level (FPL) through an expansion of state-sponsored Medicaid programs. For the first time, low-income individuals who do not have children were to also qualify for Medicaid. Like other uninsured individuals, low-income men and women who are eligible for Medicaid are free to browse different coverage options using the ACA Healthcare Exchange (see below).However, a 2012 Supreme Court ruling allows states to opt out of the Medicaid/CHIP expansion laid down in the ACA, several U.S.
Original source
One specific goal of the ACA is expansion of Medicaid and Children’s Health Insurance Program (CHIP) in order to provide coverage for millions of uninsured, low-income American families The original intention of the ACA was to cover any individual under the age of 65 who earns at or below 138% of the Federal Poverty Level (FPL) through an expansion of state-sponsored Medicaid programs For the first time, low-income individuals who do not have children were to also qualify for Medicaid Like other uninsured individuals, low-income men and women who are eligible for Medicaid are free to browse different coverage options using the ACA Healthcare Exchange (see below).However, a 2012 Supreme Court ruling allows states to opt out of the Medicaid/CHIP expansion laid down in the ACA, several U.S
- 8medicalbillingandcoding100%
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states have opted out while others have begun to implement the new programs.
Original source
states have opted out while others have begun to implement the new programs
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You cannot be denied because of a condition
Original source
Under the ACA, you cannot be denied coverage because of a pre-existing condition
- 8medicalbillingandcoding100%
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Policy-holders and health insurance companies have fought a long-standing battle regarding health conditions that prompt providers to drop coverage to beneficiaries
Original source
Policy-holders and health insurance companies have fought a long-standing battle regarding health conditions that prompt providers to drop coverage to beneficiaries
- 8medicalbillingandcoding100%
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Under the ACA, the following benefits are considered essential and must be included in all individual and group coverage plans:
Original source
Under the ACA, the following benefits are considered essential and must be included in all individual and group coverage plans
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Maternity and newborn care Mental health and substance abuse disorder services (including behavioral health treatment) Prescription drugs
Original source
maternity and newborn care mental health and substance abuse disorder services, including behavioral health treatment
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Preventive services and chronic disease management
Original source
preventive and wellness services and chronic disease management
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Many people have to pay higher premiums Insurance companies now provide a wider range of benefits and cover people with preexisting conditions.
Original source
Many people have to pay higher premiums Insurance companies now provide a wider range of benefits and cover people with preexisting conditions
- 12healthline100%
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This has caused premiums to rise for a lot of people who already had health insurance.
Original source
This has caused premiums to rise for a lot of people who already had health insurance
- 11Student paper100%
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You can be fined if you don’t have insurance The goal of Obamacare is for people to be insured year round.
Original source
You can be fined if you don’t have insurance The goal of Obamacare is for people to be insured year round
- 12healthline100%
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If you’re uninsured and don’t obtain an exemption, you must pay a modest fine. Recent events have changed this fine, and beginning with the tax year 2019 it will be eliminated. Some people think it’s intrusive for the government to require health insurance. ACA supporters argue that not having insurance passes your healthcare costs on to everyone else.
Original source
If you’re uninsured and don’t obtain an exemption, you must pay a modest fine Recent events have changed this fine, and beginning with the tax year 2019 it will be eliminated Some people think it’s intrusive for the government to require health insurance ACA supporters argue that not having insurance passes your healthcare costs on to everyone else
- 11Student paper100%
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Taxes are going up as a result of the ACA Several new taxes were passed into law to help pay for the ACA, including taxes on medical device and pharmaceutical sales.
Original source
Taxes are going up as a result of the ACA Several new taxes were passed into law to help pay for the ACA, including taxes on medical device and pharmaceutical sales
- 12healthline100%
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Taxes were also increased for people with high incomes. Funding also comes from savings in Medicare payments. The wealthy are helping to subsidize insurance for the poor. Some economists, however, predict that in the long term, the ACA will help reduce the deficit and may eventually have a positive impact on the budget.
Original source
Taxes were also increased for people with high incomes Funding also comes from savings in Medicare payments The wealthy are helping to subsidize insurance for the poor Some economists, however, predict that in the long term, the ACA will help reduce the deficit and may eventually have a positive impact on the budget
- 11Student paper100%
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It’s best to be prepared for enrollment day The ACA website had a lot of technical problems when it was first launched.
Original source
It’s best to be prepared for enrollment day The ACA website had a lot of technical problems when it was first launched
- 12healthline100%
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This made it difficult for people to enroll and led to delays and lower-than-expected signups. The website problems were eventually fixed, but many consumers have complained that signing up for the right family or business coverage can be tricky. In recent years, the enrollment period has also been shortened to between November 1 and December 15. Many hospitals and public health agencies have set up programs to help guide consumers and business owners through the setup process.
Original source
This made it difficult for people to enroll and led to delays and lower-than-expected signups The website problems were eventually fixed, but many consumers have complained that signing up for the right family or business coverage can be tricky In recent years, the enrollment period has also been shortened to between November 1 and December 15 Many hospitals and public health agencies have set up programs to help guide consumers and business owners through the setup process
- 12healthline100%
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The ACA website also has sections devoted to explaining the procedures and available options.
Original source
The ACA website also has sections devoted to explaining the procedures and available options
- 11Student paper100%
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Businesses are cutting employee hours to avoid covering employees Opponents of Obamacare claimed the legislation would destroy jobs.
Original source
Businesses are cutting employee hours to avoid covering employees Opponents of Obamacare claimed the legislation would destroy jobs
- 12healthline100%
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The number of full-time jobs has gone up in recent years, but there are still reports of businesses cutting hours from employee schedules. Business with 50 or more full-time employees must offer insurance or make payments to cover healthcare expenses for employees. By reducing hours, businesses are able to get by the 30-hour-per-week definition of a full-time employee
Original source
The number of full-time jobs has gone up in recent years, but there are still reports of businesses cutting hours from employee schedules Business with 50 or more full-time employees must offer insurance or make payments to cover healthcare expenses for employees By reducing hours, businesses are able to get by the 30-hour-per-week definition of a full-time employee
- 13Student paper87%
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There is no time limits on the care
Original source
No Time Limits on Care
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More Americans have health insurance More than 16 million Americans obtained health insurance coverage within the first five years of the ACA.
Original source
More Americans have health insurance More than 16 million Americans obtained health insurance coverage within the first five years of the ACA
- 12healthline100%
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Young adults make up a large percentage of these newly insured people.
Original source
Young adults make up a large percentage of these newly insured people
- 11Student paper100%
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Health insurance is more affordable for many people
Original source
Health insurance is more affordable for many people
- 14Student paper100%
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Insurance companies must now spend at least 80 percent of insurance premiums on medical care and improvements.
Original source
Insurance companies must now spend at least 80 percent of insurance premiums on medical care and improvements
- 12healthline100%
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The ACA also aims to prevent insurers from making unreasonable rate increases. Insurance coverage isn’t free by any means, but people now have a wider range of coverage options.
Original source
The ACA also aims to prevent insurers from making unreasonable rate increases Insurance coverage isn’t free by any means, but people now have a wider range of coverage options
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People with preexisting health conditions can no longer be denied coverage A preexisting condition, such as cancer, made it difficult for many people to get health insurance before the ACA.
Original source
People with preexisting health conditions can no longer be denied coverage A preexisting condition, such as cancer , made it difficult for many people to get health insurance before the ACA
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Student paper
Most insurance companies wouldn’t cover treatment for these conditions. They said this was because the illness or injury occurred before you were covered by their plans. Under the ACA, you can’t be denied coverage because of a preexisting health problem.
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Most insurance companies wouldn’t cover treatment for these conditions They said this was because the illness or injury occurred before you were covered by their plans Under the ACA, you can’t be denied coverage because of a preexisting health problem
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Student paper
No time limits exist on care Before the ACA, some people with chronic health problems ran out of insurance coverage.
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No time limits exist on care Before the ACA, some people with chronic health problems ran out of insurance coverage
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Student paper
Insurance companies set limits on the amount of money they would spend on an individual consumer. Insurance companies can no longer maintain a preset dollar limit on the coverage they provide their customers.
Original source
Insurance companies set limits on the amount of money they would spend on an individual consumer Insurance companies can no longer maintain a preset dollar limit on the coverage they provide their customers
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Student paper
More screenings are covered The ACA covers many screenings and preventive services.
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More screenings are covered The ACA covers many screenings and preventive services
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Student paper
These usually have low copays or deductibles. The hope is that if you’re proactive in your healthcare, you can avoid or delay major health problems later. Healthier consumers will lead to lower costs over time. For example, a diabetes screening and early treatment may help prevent costly and debilitating treatment later.
Original source
These usually have low copays or deductibles The hope is that if you’re proactive in your healthcare, you can avoid or delay major health problems later Healthier consumers will lead to lower costs over time For example, a diabetes screening and early treatment may help prevent costly and debilitating treatment later
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Student paper
“The ACA is going to help all Americans have higher quality and less costly healthcare in the decades to come,” says Dr. Christopher Lillis, an internist in Virginia and a member of Doctors for America.
Original source
“The ACA is going to help all Americans have higher quality and less costly healthcare in the decades to come,” says Dr Christopher Lillis, an internist in Virginia and a member of Doctors for America
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Student paper
Prescription drugs cost less The ACA promised to make prescription drugs more affordable.
Original source
Prescription Drugs Cost Less The ACA promised to make prescription drugs more affordable
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Student paper
Many people, particularly senior citizens, are unable to afford all their medications. The number of prescription and generic drugs covered by the ACA is growing every year
Original source
Many people, particularly senior citizens, are unable to afford all their medications The number of prescription and generic drugs covered by the ACA is growing every year
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Student paper
Continuous Medicaid expansion and health insurance marketplaces.
Original source
the expansion of Medicaid and the launch of the health insurance marketplaces for private coverage
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Student paper
Medicaid expansion currently covers 12.7 million people made newly eligible by the ACA, and the ACA’s enrollment outreach initiatives generated a “welcome-mat” effect that spurred enrollment among people who were previously eligible for Medicaid and CHIP.
Original source
Medicaid expansion currently covers 12.7 million people made newly eligible by the ACA, and the ACA’s enrollment outreach initiatives generated a “welcome-mat” effect that spurred enrollment among people who were previously eligible for Medicaid and CHIP
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Student paper
The ACA mandates that plans include maternity coverage and makes key preventive services available without cost sharing, including breastfeeding support services and supplies; annual well-woman visits; and screenings for cervical cancer, HIV, and interpersonal and domestic violence. Thanks to the ACA, about 61 million women nationwide can access contraception without any out-of-pocket cost.
Original source
The ACA mandates that plans include maternity coverage and makes key preventive services available without cost sharing, including breastfeeding support services and supplies annual well-woman visits and screenings for cervical cancer, HIV, and interpersonal and domestic violence Thanks to the ACA, about 61 million women nationwide can access contraception without any out-of-pocket cost
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Student paper
One study estimated that the ACA’s contraception benefit has saved women at least $1.4 billion annually on birth control pills alone.
Original source
One study estimated that the ACA’s contraception benefit has saved women at least $1.4 billion annually on birth control pills alone
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Student paper
The idea in implementing the modifications is to extend the minimum Medicaid eligibility level for children to 138 percent of the federal poverty level and mandated that states “use a uniform definition of income” to set standards for children’s coverage.
Original source
It extended the minimum Medicaid eligibility level for children to 138 percent of the federal poverty level and mandated that states “use a uniform definition of income” to set standards for children’s coverage
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Student paper
It will protect people with pre-existing conditions from discrimination
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people with pre-existing conditions
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Student paper
Prior to the ACA, women faced unique barriers to adequate care.
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Prior to the ACA, women faced unique barriers to adequate care
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Student paper
Insurers in the individual market could charge women up to 1.5 times more than men for health insurance, a discriminatory practice known as gender rating, and insurers treated pregnancy as a preexisting condition. Plans could also exclude critical women’s health benefits from coverage: In 2011, 62 percent of individual market enrollees were in plans without maternity coverage. The ACA outlawed gender rating and prohibited insurers from discriminating against people with preexisting conditions.
Original source
Insurers in the individual market could charge women up to 1.5 times more than men for health insurance, a discriminatory practice known as gender rating, and insurers treated pregnancy as a preexisting condition Plans could also exclude critical women’s health benefits from coverage In 2011, 62 percent of individual market enrollees were in plans without maternity coverage The ACA outlawed gender rating and prohibited insurers from discriminating against people with preexisting conditions
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Student paper
The latter is a crucial protection for women: About 1 in 2 girls and nonelderly women have a preexisting condition.
Original source
The latter is a crucial protection for women About 1 in 2 girls and nonelderly women have a preexisting condition
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Student paper
Retrieved from https://www.sciencedirect.com/science/article/pii/S0140673619330193
Original source
Retrieved from https://www.sciencedirect.com/science/article/pii/S016762961500082X
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Student paper
lessons from the affordable care act in the US.
Original source
The Affordable Care Act
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