Obamacare Enrollment Center
12421 N Florida Ave Suite 120
Tampa, FL 33612
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Why Reform Health Care ?
The United States of America needed to reform health care because the cost was so high.. It was the number #1 cost of bankruptcies. The growing costs threatened to consume the whole federal budget.. It made the expense of preventive care unaffordable. That sent numerous low - income people to the emergency room,, increasing costs even higher..
Huge costs made the U.S. health care policy cost twice as much per person compared to any other developed country..
Consequently, health care contri buted $33.2 trillion, or 17.8 percent, to gross domestic product. That's the biggest percentage in the developed world.
There are three causes as to why costs are so high. One, most of the cost comes from treating people over the initial ten days and endi ng ten days of their life. A lot of advancement has been made in terms of medical methods that can save premature babies and extend the lifetime expectancy of the elderly. But these innovative procedures are very costly. Many other countries put a limit on who can get such level of care.. If the chances of a procedure being successful are low, then it is often not given. In the United States, such care is provided even if the prognosis is poor.
The second cause for high health care costs is the increase in m alpractice lawsuits.. Because of this,, doctors usually over - test, ordering $11,000 MRIs and $11,600 colonoscopies.
They do this even if they do not think they're needed. It protects them from getting sued since they didn't order a particular test.
The third r eason is that there is limited price competition in health care than in other enterprises, such as consumer electronics. It’s because most people do not pay cash for health care.
The Pros of Obamacare
More Americans Have Health Insurance. More than 16 mil lion Americans received health insurance coverage within the first five years of the ACA. Young adults make up a substantial percentage of these newly insured people.
1) People with Pre - Existing Health Conditions Cannot Be Denied Coverage
A pre - existing co ndition,, such as cancer or Alzheimer disease,, made it challenging for many people to get health insurance before the ACA. Most insurance companies would not cover treatment for these conditions.. They told this was because the injury or illness occurred bef ore you were covered by their plans. Under the ACA, you can't be denied coverage on account of a pre - existing health problem.
2) No Time Limits on Care
Before the ACA,, Few people with chronic health problems ran out of insurance coverage.. Insurance compani es set boundaries on the amount of money they would pay to an individual consumer. Insurance firms can no longer maintain a pre - set dollar limit on the coverage they give their customers.
3) More Screenings Are Covered
The ACA covers multiple screenings a nd preventive services.. These normally have low co - pays or deductibles.. The hope is that if you are proactive in your healthcare,, you can avoid or delay significant health problems later.. Healthier consumers will lead to less costs over time.. For example,, a diabetes screening and early treatment may help prevent costly and debilitating treatment later..
4) Lower Prescription Drug Costs
The ACA guaranteed to make prescription drugs more affordable.. Many people,, especially senior citizens,, are unable to afford all their medications.. The amount of prescription and generic drugs covered by the ACA is increasing every year. Savings on prescription drugs surpassed $115 billion within the first five years of Obamacare.
Health Care Reform in the United States of America
Health care reform in the United States of America can be simply explained as measures and policies conjured to provide healthcare to all Americans. It is also meant to improve safety and quality of healthcare to all Americans. This objective seemed to be actualized during 2010, when former president of USA Barrack Obama passed a landmark reform known as the Patient Protection and Affordable Care Act. But prior to this remarkable development there has been series of attempts which dates back in the 1960s to provide affordable, safe and quality healthcare to the American populace.
History of Health Care Reforms
Former President Theodore Roosevelt championed a course to provide national health insurance. This aim hit hard rock as it wasn't successful. In 1935 during the great depression, President Franklin D. Roosevelt was on the front line of creating national health insurance. This also wasn't successful as he pushed for social security in the stead of National health insurance.
John F. Kennedy made creating a healthcare insurance top of his priority list in 1960. He succeeded but couldn't get a healthcare plan for the elderly. In 1965, a breakthrough was made in the availability of healthcare to all Americans. Then President Lyndon B. Johnson enacted two health programs. They are Medicare for the elderly and Medicaid for the poor.
In 1974, provisions were made in the enactment to extend healthcare to employees of private enterprises. President Richard Nixon created subsidies to employers to enable coverage of healthcare insurance of their workers.
In 1986 President Ronald Reagan signed The Consolidated Omnibus Budget Reconciliation Act of 1985(COBRA), to give former employees coverage of healthcare insurance 18 months after leaving work with the costs footed by the workers.
Obama in 2009 canvassed for a legislation that will grant healthcare for all American regardless of the size of income, social status or any preexisting health condition. Insurance companies were mandated to accept all new comers and assist in providing health insurance to those who can't afford it. The Patient Protection and Affordable Care Act were signed into law on March 23 2010, also expanding Medicaid eligibility to people making up 133% of the federal poverty level.
Causes of Health Care Reforms
Health care reform was necessitated by the high cost of health treatment in United States of America. It is regarded as the most expensive in the world. An estimated figure of 46 million Americans were uninsured to cope with the high cost of health plan. Those that were insured were faced with increased premiums and pocket unfriendly charges of health care. Costs of preventive care became unaffordable thereby making eluding low income earners the tendency of getting health care.
Given the high cost of health care in U.S.A, its quality was considered poor. This contributed to the yearning by the USA government to reform the health sector.
One of the causes that instigated health reforms is insurance cost and availability. The ever increasing costs of premiums consequentially led to decrease of health insurers. The high cost of health insurance coverage of employees by their employers left some of their businesses in a precarious state.
All of these topsy-turvy within heath care provision led to the establishment of Obamacare or affordable care act. Another health care reform is about to take place as the Obamacare is about to be repealed and replaced with American Health Care Act(ACHA), developed by the House of Representatives.