Final Assessment - Outline + BIBLIOGRAPHY + PROPOSAL (Very High Quality Paper Required - Should Be No Less Than A+)

Abstract

Health is an essential aspect of human life. It determines our performance as human beings. When we are exposed to health deterrents, its expected of us that we be ready to curb the situation. This has been increasingly becoming expensive hence urge of the government to change its policies to ensure everyone access affordable healthcare. In the current Patient Protection and Affordable Care Act in the market has improved some aspect of healthcare environment but its still unsustainable since there are still many problems which need attention. This paper legislative will pursue to assuage the distresses that pestilence in the current system, this will assist to guarantee access to healthcare for future cohorts to arise. It became a concern when Americans needed a healthcare affordable to them, those who live below the poverty level o have a healthcare coverage for them which is affordable, having a healthcare which is financially reasonable and that will not fall or collapse after some time, a portable insurance healthcare cover, healthcare which does not change the tax legislation and having a healthcare with a controlled cost. The legislation proposal will tend to alleviate the problems through Having better healthcare coverage, Housing homeless, Having a portable health insurance and Government cost control. To ensure an economic model which can be supported due to the influence caused by the new provisions which are a number of provisions in the new affordable act which when left to serve with its provisions it will help a lot.

Keyword: Homeless, legislation budget, portable health insurance, financial soluble healthcare, affordable healthcare, healthcare cost control Patient Protection and Affordable Care Act(PPACA),

Introduction

The healthcare system that existed before had not focused on many issues than the current affordable care act. This is because it has attempted to provide solutions to the healthcare environment that was a problem. Despite all the attempts it has not fully exploited the loopholes that are there in the healthcare sector, this if not changed in the current system it will lead to an absolute collapse in the future generation to come or will lead to an extensive overhaul that is unwarranted. Because of this, this paper proposes certain legislative changes that will seek to improve services that disadvantage the current system, therefore improving the overall performance of the Americans healthcare.

Current Healthcare System

The payment system in the current healthcare is based on the fee-for-service, this is a complex controls form of payment where the third party pays for the implementation (Steiner, 2014). This third party includes the taxes and those from revenue which are spent from other sources. Even though we have a free market economic environment, it was crucial for the government to take the control the healthcare insurance and market providers (Fleming, 2014). Though this has brought in critic due to the single payment system without considering that the government has gained from a reduced deficit as a fresh prediction from the Congressional Budget Office approximations explains that if the act is left in place (Jacobs & Skocpol, 2016). it will remain to save federal dollars through at least 2025 which although has changed the law tax provisions (Margot, 2017). Comment by Pickard, Jerry Vance: A little to much cut and move in this senten. It makes no sense. With the current enrollment numbers and the loss of the tax penalty, the ACA is not solvent and will need to either be replaced or a new tax will have to be created. left as it is, it will fail as people exit the program because of higher cost and n penalty

The PPACA caused a surge increase in people signing up for health insurance especially the middle incomes and those who belong in ages 24 years to 34 years due to the act additionally the Hispanic and the black were the biggest gainers of this act adding up to 20 million to the health insurance. This is because the health care acts tend to have a more comprehensive insurance cover and people to feel financially secure since citizens are protected from catastrophic bills and on the other hand all health ills are catered by the cover. The insurance subsidized the health cover for middle incomes from overtaxed rich people hence reducing the inequalities in the society. On the other hand, insurance cover has increased from health to accidental, maternal care, cancer and also sudden sickness this has positively impacted the society. Comment by Pickard, Jerry Vance: two sentences Comment by Pickard, Jerry Vance: ? Comment by Pickard, Jerry Vance: this is your opinion? Are you the definer of how much someone should be worth and how they should spend their money?

Problems with the Current System

Despite the achievements that have been done the PPACA, there numerous problems that it didn’t or was unable to solve for the people. Firstly, the revenues reduction will be possibly be perceived by the providers of healthcare due to the fee-for-service which is devastatingly in the current affordable care act which had a significant cost saving making the healthcare institution which will help to achieve improvement of the services quality (Nix & O’Shea, 2015). The PPACA provision of improving quality payment to the provider's recognition though there is no compensation for patients who seek healthcare services with quality which is improved (Nix & O’Shea, 2015). Comment by Pickard, Jerry Vance: Was the ACA designed to solve peoples problems? I thought it was designed to provide affordable healthcare to uninsured Americans. What else was it designed to do? It did that rather poorly Comment by Pickard, Jerry Vance: Poorly worded sentence that makes no sense? Comment by Pickard, Jerry Vance: same issue

Another problem is that PPACA didn’t solve is the accessibility to healthcare by Americans. Despite trying to lower the rate of people who are uninsured in the society by fining those who don’t take the insurance cover and subsidizing the healthcare for the middle incomes and the minority including women (Mongomery, 2017). This positively added the number of people who were under insurance despite being expensive for those who are earning too much more than the middle incomes who are still struggling to pay their health care plan premiums which is higher than their employer's health plan due to higher face deductibles. Comment by Pickard, Jerry Vance: incomplete sentence. You are just cutting and pasting stuff here without any purpose towards your discussion Comment by Pickard, Jerry Vance: You paper would have been helped by a good editor. I am not an editor so if I have a problem with reading your work, believe me it is poorly written

On another point, the PPACA didn’t solve the health plan for those who are living below the poverty line since it became too expensive. This group includes the homeless and poor people in America which amount to 13.5% of the total population. this has become a huge population to support and also considering the state of health and lifestyle these people experience, it forced these group to visit the health services frequently when they wanted to escape some hardest time of their times hence seeking health care facilities as an opportunity. This made the insurance provider have a financial spree on an individual (Richardson & Rivera, 2013). This makes the healthcare financially insoluble when not mitigated properly

Additionally, the PPACA the having a portable insurance cover to all Americans. The portability in insurance is the ability of the client to transfer from one insurance cover to another by keeping the benefits all through without a change in services while looking for a better health insurance provider (Pilzer & Lindquist, 2015). In the current healthcare insurance through The Health Insurance Portability & Accountability Act (HIPAA) has only provided rights and protection for participants and beneficiaries in group health plans. This denies those who don’t belong to group health plans from health services (Martin et al, 2016).

Another problem is that the current health care system has developed a new tragedy of changing law tax provision. This has led to creating new taxes hence influencing the neutrality of the legislative budget. Therefore, affecting the livelihood of people with an increased tax imposed on them.

Finally, the PPACA has failed in controlling medical costs by showing how medical professionals deliver services to the people of America. The cost containment provisions in the current healthcare system have produced changes which have led to bending of the cost curve.

Future of Unaffected Healthcare

There will be an economic total collapse when holistically mitigation is not undertaken to have a current healthcare state of the market (Malani & Schill, 2015). This is because there will be an increased law on tax provisions since there is a constant increase in the spending spree from those living below the poverty line (Johnson, 2014). Additionally, the when the healthcare has not controlled the cost containment provision, then there will be a double-digit increase in the healthcare cost just like the past thus making the affordability of healthcare being still expensive to all classes in the society. The conservative nature of health insurance in America If is to go by in future it will lead to deterioration of health care insurance due to lack of competition with better health coverage.

Legislative Proposal

Forecasting on the future problems that we may face as a country it is better to prevent the problems than cure. The following legislation will focus on solving the following problems:

Having a Better Coverage

the people of America deserve a healthcare administered by the federal government. This will be the universal single payer which will have a comprehensive coverage to all. This will ensure all classes in the society are not premium higher than others or taxed than others. This will also not lead people into digging into pockets to add to the healthcare bills (Washlick, 2015). This, therefore, makes the legislation healthcare to be financial soluble

Housing the Homeless

the government has over the period since inception of the affordable care act gone on a spending spree due to the overspending on healthcare cost due to the homeless going to the hospital to seek refuge in the pretense of illness this has (Arnold, 2014). The government will pass the test of social justice on how to care for these people who undergo the homelessness. This when done the government shall have solved the extra cost spent on accordingly. This will reduce on the tax subsidy on these disadvantaged in the society leading to the saving the tax without having more federal tax spent on the health therefore not influencing the legislation budget (Sethi & Frist, 2015). Additionally, it will make it the project to financially soluble as the system won’t collapse due to bankruptcy. Comment by Pickard, Jerry Vance: So poorly written I can't understand it. It also does not add up finacially. You indicate that there is monety being lost on the homeless but then you say that if they are not homeless then there will be additional savings. That is not possible as I explained earlier.

Portable Health Insurance

in the current healthcare system, there are a number of punitive fines when one does not follow set down rules, for example, due to fear of imposition of fines to employers who don’t give employees the health insurance they fit and can transfer from one employer to another without changing health insurance company. The portability of health insurance will help the employees to choose any insurance company with benefits remaining the same hence improving the quality of service among the companies. The people who have no groups will have health plans with benefits not lost to them.

Medical cost control by having professionals in the medical providers and services defined to Americans consumptions. Comment by Pickard, Jerry Vance: What does this mean?

It has been proved that when the government does not control there will be a catastrophe in the future due to the double-digit in the healthcare cost.to avoid this the government needs to conduct a cost control role in the proposed healthcare restructuring since it will be serious to supporting positive coverage gains in the long term (Waljee, et al, 2014).

Summary

In solving healthcare problems, it is only by having a universal single-payer system from fee for service model that will ensure the affordability of healthcare to the citizens. While having a housing the homeless will reduce the spending spree hence reducing the coverage of healthcare on those living below poverty line making it financially soluble and without affecting legislation budget by not making new taxes. On the other hand, by controlling cost by the government a future problem of not doubling the cost of a healthcare system in future. In the reduction of costs that are the causes of fundamental inflation of medical care cost, it is imperative for to change the overhead in pursuit of quality progress (Gawande, 2015). The hope of a nation to offer a quality and affordable deliverable of affordable care for the future generations is by applications of these changes.

References