Please respond to this classmates post:
Current Provisions of ACA verses the First Failed Version of AHCA
The main goal of the Affordable Care Act (ACA) was to make sure that everyone in the United States, regardless of income or age, could get affordable health insurance. After reading about and thinking about the ACA and ACHA, I think one of the main goals of the ACA was to make sure that all citizens, no matter their age, income, or health, could get affordable health insurance. Insurance companies couldn’t charge more for conditions that were already there and couldn’t set dollar amounts for care. It helped bring down the cost of health care by putting rules and taxes on insurers and drug companies, which made the most money from health care (Obama Care Facts, 2014). “Also, in the 31 states that have expanded Medicaid, adults without children who make less than 100 percent of the Federal Poverty Level can now get Medicaid coverage with at least a 90% federal match” (South University Online, 2019). Because of the set dollar amounts for healthcare, most insurance companies couldn’t charge more. So, the ACA helped bring down the cost of health care by putting taxes and rules on people who got a lot out of health care. These include drug companies and insurance companies (Obama Care Facts, 2014). The AHCA failed the first time because of how it was done, which could have made the changes bad for most Americans. So, the group’s focus on cutting Medicaid expansion meant that only a few people would be able to sign up for the service after 2020 because the federal government would give less money to Medicaid. This would put a cap on coverage (Gore, Robertson, and Schipani, 2017). The first time the ACHA was tried, it failed because it would have made changes that were bad for the American people. It would have stopped the Medicaid expansion, so most people wouldn’t be able to sign up after 2020. It would also cut federal funding for Medicaid and limit coverage (H.R. 1628: American Health Care Act of 2017, 2017). This, in turn, would leave millions of people without insurance and raise the premiums or out-of-pocket costs for people who already had insurance. If you had an individual plan, your premiums could change based on your age. Under ACA, they could only charge older people 3% more than younger people.
The ACHA would give them the right to charge up to 5% more for people over 65. (Gore, Robertson, & Schipani, 2017). The Affordable Care Act made some of these big changes. If this were to happen, insurance rates could go through the roof, and people on Medicaid could have to pay more out of pocket. So, this would leave a lot of people without coverage and raise the out-of-pocket costs and Medicaid premiums for people who already have coverage. AHCA suggested that a person’s premiums could change based on their age, with the elderly being charged up to 5 percent more than the young. The ACA, on the other hand, only charged the elderly 3 percent more than the young. These are some of the most important ways that ACA changed things. If they were put into place, insurance premiums and out-of-pocket costs for people on Medicaid could go through the roof. The first time AHCA was tried to be passed, it failed because a lot of people would have lost health insurance coverage and costs would have gone up without any extra coverage. In the end, the U.S. healthcare system is very broken, and politicians will never be able to fix it because of their greed, which lets them make bad decisions about expensive bills. The U.S. is completely broken as a country, even though things could be worse than they seem. So, in the end, I think ACHA failed because so many people would lose their health insurance coverage or have their costs go up a lot without more coverage. In the end, I think our health care system is broken, and I don’t think politicians can fix it. Too much greed runs through our government for us to trust them to make a decision about one of the most expensive bills on the table. But I also think that way too many people try to get around the rules. Things could always be worse, but our healthcare system as a country is broken.
References
Gore, D., Robertson, L., & Schipani, V. (2017). Q&A: The facts on the Republican health care bill. Retrieved from https://www.usatoday.com/story/news/politics/2017/03/08/republican-health-care-billfacts/98917660/
H.R. 1628: American Health Care Act of 2017 — House Vote #256 (2017.). Retrieved from https://www.govtrack.us/congress/votes/115-2017/h256
ObamaCareFact.com. (2014). Facts on the Affordable Care Act. Retrieved from https://obamacarefacts.com/obamacare-facts/
South University Online. (2019). Week 3: The ACA (Obamacare). Trends in Healthcare Policy Retrieved from https://myclasses.southuniversity.edu/d2l/le/content/44113/viewContent/1658681/View
Use this book for one of the references:
Mason, D. J., Dickson, E. L., Perez, G. A., & McLemore, A. R. (Eds). (2020).
Policy & politics in nursing and health care (8th ed.). Elsevier. ISBN: 9780323554985.
This is what the assignment is about for reference:
The ACA or the AHCA: Imperfect Solutions to Increasing Access to Health Care?
This week’s discussion focuses on the federal government’s role in protecting the public’s health using the ACA and current efforts to “repeal and replace” the ACA. Please note that the government’s role in protecting the public’s health did not begin with the ACA. In the late 1800s, Lilian Wald brought health care to the community. And in 1965, Congress passed bills authorizing Medicare and Medicaid. Since 1965, Congress has expanded government-sponsored health care to pregnant women and children.
Topic 1
Compare the current provisions in the ACA with those in the failed first version of the AHCA. S
Share your opinions about why the AHCA failed in the first attempt at passage.