Affordable Care Act

Topics: Health care, Health insurance, Health economics Pages: 8 (3429 words) Published: September 29, 2013


Why America Needs the Affordable Healthcare Act Brandon M. Speight Southern Illinois University

Abstract
When President Barack Hussein Obama ascended to power, he promised to transform the Health Care System in America to make it more affordable for lower and middle class citizens. The Affordable Care Act was met with stiff opposition across the United States, especially by the Insurance companies that dominate the Healthcare market. This still has not deterred the push for better health care in America, which would not only enable easy access to hospital services but also make it affordable to everyone.

Under the provisions of the Affordable Care Act, beginning in 2014 the Federal Government will begin paying individual states to add residents who cannot afford health insurance to Medicaid programs within those states. This means that even those individuals who are proven to not be financially able to afford to purchase coverage will receive healthcare coverage. This provision helps to realize the goal of no less than 95 percent of all citizens being covered by some form of healthcare insurance. While this is a long-term goal, the steps toward achieving it must be immediate and ongoing. Those advocates for the Affordable Care Act who are in Congress fight daily to ensure that the progress happens, as do those who oppose the Affordable Care Act for whatever reasons. Some individuals have referred to the concept set forth with regard to the Affordable Care Act as a “one-size-fits-all” program which will never work for all Americans; and for every advocate in favor of, there is an opponent against. There are many who feel that they should not have to change or conform to what they believe to be the accommodation of others. They compare the visions of the Affordable Care Act with a government take-over of our nation’s healthcare system. There have been several arguments made contesting the Affordable Care Act and how it financially affects the wealthier population of the United States, but none contesting based on the cost to the less wealthy. Beginning in January 2014, in addition to benefits that will be become available for those Americans who currently do not have healthcare coverage, there will be a mandate in affect that will require all Americans who can afford healthcare coverage to purchase it or be penalized. Any individual who has the means to purchase healthcare insurance coverage and chooses not to do so will be required to pay 1% of his/her household income (or $95) as a tax penalty. Also, in order to assist in covering the costs of the new reformed healthcare coverage program, individuals who have annual incomes exceeding $200,000 or couples whose total household incomes exceed $250,000 will pay slightly increased taxes (http://www.healthcare.gov/law/timeline/index.html). While there have been a vast number of arguments against the Affordable Care Act, these two stipulations have been spotlighted most frequently as the two biggest and broadcasted arguments against the Affordable Care Act. Those Americans who fall into the wealthiest population oppose having to pay more in taxes in order to allow the less wealthy to have access to the same healthcare benefits. They see it as anything but a law which allows all Americans to make health insurance choices that work for them while guaranteeing access to care for those most vulnerable, and a law which provides new ways to bring down healthcare costs while improving the quality of care provided. They see it as an entity which tries to control their choices of how they insure themselves and their families. They see it as the...

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