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Affordable Health Care

Aala Akhoon

Davenport University

HCMG730 Ethical and Legal Perspectives in Health Care

Dr. Edna Primas

April 17, 2016

Change expected in health benefit costs

Constant increase in Affordable Care Act’s (ACA) costs

2nd biggest challenge of ACA

Cost Issues

Biggest cost increase in the year 2016

Assisting Low income families in receiving health care insurance

Further increase in the Federal Poverty Level (FPL):

To providing healthcare for low income families

To make it easier for low income families to enroll in the Medicaid plans

Low Premium Options:

Hidden fees removed

Surcharges removed

Children’s Health Insurance Program (CHIP) coverage:

Reduce the uninsured children

Decrease in monthly payment

For families with income above 150% of FPL

No Premiums

Changes impacting middle income families who want and can afford premium coverage

Better health services at reasonable cost:

Expansion of Medicaid programs

Tax relief

Dental plans:

Required in the Affordable Care Act

At a low costs

Wider providers range:

At a reasonable costs

Should there be a two-tier or even three-tier health care insurance difference

Pros:

Helps families decide

Which plans more suitable for them

Easily comparable plans

Ease of which plans fits best

Cons:

Narrow network of providers

Higher premium plans

Insurance company website not reliable

Increase patient wait time

Two-tier or Three-tier:

Should there be a two-tier or even three-tier health care insurance difference cont.

Metal Tiers:

Bronze

Most out-of-pocket costs

Silver

Gold

Platinum

Least out-of-pocket expenses

Why should the middle income family pay more for the same healthcare service received by low-income families

Middle income families pay more:

Peace of mind

Cover individuals regardless of pre-existing conditions

Priceless benefits

A great gift

Not committed to an employer

Why should the middle income family pay more for the same healthcare service received by low-income families cont.

Middle income families:

Get tax break

Premium tax credit

Specified % of the taxpayer’s household income:

Federal Poverty Level

2% of income for families at 100%

9.5% of income for families at 400%

References

Image #1

Affordable Care Act Infographic [Photograph]. (2016). Retrieved from http://arcpeo.com/wp-content/uploads/2015/05/Xcel-HR-Stats.png

Image #2

What is the Affordable Care Act [Photograph]. (2016). Retrieved from https://connect.bcbstx.com/getting-health-insurance/b/weblog/archive/2015/03/04/what-is-the-affordable-care-act-aca

Image #3

Keketz. (Photographer). (2016). Tooth [Photograph]. Retrieved from http://pre09.deviantart.net/1d29/th/pre/f/2013/068/6/4/tooth_by_keketz-d5xhsi4.png

Image #4

Total Benefit System [Photograph]. (2016). Retrieved from https://www.totalbenefitsystems.com/healthcare-reform.html

Image #5

Are You Making Money Online Yet [Photograph]. (2016). Retrieved from http://thetowne.net/category/making-money/

Image #6

What is Poverty [Photograph]. (2016). Retrieved from http://www.ocpp.org/poverty/2016-poverty-guidelines/

References

Abdus, S., Hudson, J., Hill, S. C., & Selden, T. M. (2014). Children's health insurance program premiums adversely affect enrollment, especially among lower-income children. Health Affairs, 33(8), 1353-60. Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1553396987?accountid=40195

Abram, S. (2015, Nov 12). Middle-class family one of many pinched under the affordable care act. Daily News Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1732871668?accountid=40195

Affordable care act benefits many, including middle class. (2014, Dec 03). Messenger Inquirer Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1629875511?accountid=40195

Ashby, B. (2013, Apr 04). The affordable care act and health care costs. St.Louis Post - Dispatch Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1323955200?accountid=40195

Analyses find 2016 exchange plans have higher premiums, smaller provider networks. (2015). Washington: The Advisory Board Company. Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1732702988?accountid=40195

Cortese-Danile, T., & Gornik-Tomaszewski, S. (2014). Is the Affordable Care Act Really Affordable? Paper presented at the, 21(1) 187-196. Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1519057918?accountid=40195

Federal Poverty Level. (2016). HealthCare.gov Glossary. (n.d.). Retrieved from https://www.healthcare.gov/glossary/federal-poverty-level-FPL/

Flynn, Priscilla, Call, K. T., Pintor, Jessie Kemmick, & Elmi. (2014). The projected effect of the affordable care act on dental care for adult medicaid enrollees. Journal of Health Care for the Poor and Underserved, 25(1), 79-94. Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1515639560?accountid=40195

Froelich, J. M., Beck, R., Novicoff, W. M., & Saleh, K J. (2013). Effect of health insurance type on access to care. Orthopedics (Online), 36(10), e1272-6. Retrieved from http://dx.doi.org/10.3928/01477447-20130920-19

Merline, J. (2013, Mar 22). ObamaCare turns 3: 10 disturbing facts about health law premium hikes, job losses 'affordable care act' is anything but; exchanges, mandates kick in jan. 1. Investor's Business Daily Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1318600500?accountid=40195

Notgarnie, Howard. (2012). Cost-effectiveness of dental hygiene care. RDH, 52-56. Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/934337694?accountid=40195

Ogundipe, Babatunde, Alam, F., Gazula, Lalitha, Olagbemiro, Yetunde, Osiezagha, K., Bailey, Rahn, Richie, & William D. (2015). Remaking the american health care system: A positive reflection on the affordable care act with emphasis on mental health care. Journal of Health Care for the Poor and Underserved, 26(1), 49-61. Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1661779287?accountid=40195

Olivero, M. (2013, 08). Health insurance: Which ACA tier is right for you. U.S.News & World Report, , 1. Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1437346882?accountid=40195

Treasury finalizes regulations on tax credits to help make health insurance affordable for middle-class Americans. (2012). Lanham: Federal Information & News Dispatch, Inc. Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1014998458?accountid=40195

Williams, M. (2014, Jun 22). Insurance networks: Patients find fewer health care choices: Half of all federal marketplace plans have narrow networks. The Atlanta Journal - Constitution Retrieved from http://search.proquest.com.proxy.davenport.edu/docview/1545041642?accountid=40195

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