short essay on Obama Care

Obama Care Health insurance (2024)

An essay on Obama Care is a brief definition of healthcare bill issued in the time period of US president Mr. Barack Obama in 2010 is known as Obama Care-Patient Protection and Affordable Care Act. Obama Care Health insurance bill is issued for betterment or reforms of the United States Healthcare System.

The Obama Care-Patient Protection and Affordable Care Act, also known as the Affordable Care Act (ACA) or Obama Care Health insurance, is a landmark piece of legislation signed into law by President Obama in March 2010. The law aims to expand access to affordable, quality health insurance coverage to millions of previously uninsured or underinsured Americans.

The ACA has been a subject of intense debate and controversy ever since its passage, with some critics calling for its repeal and others hailing it as a significant achievement in the history of American healthcare. This article will take a closer look at the Obama Care-Patient Protection and Affordable Care Act, its key provisions, benefits, challenges, and controversies.

Once Mr. Obama said

We spend one and a half times more per person on health care than any other country, but we aren’t any healthier for it

Mr. Barack Obama, US President(2009-2017)

Table of Contents

What is the Obama Care-Patient Protection and Affordable Care Act?

The Obama Care-Patient Protection and Affordable Care Act is a comprehensive healthcare reform law that aims to improve the quality, affordability, and accessibility of healthcare in America. The law includes a range of provisions that are designed to achieve these goals, including:

  • Expanding access to health insurance coverage: The ACA provides subsidies to help low- and middle-income individuals and families purchase health insurance on the individual market. It also expands eligibility for Medicaid, a government-run healthcare program for low-income individuals and families.
  • Regulating health insurance companies: The ACA includes a range of regulations designed to protect consumers from unfair practices by health insurance companies. For example, the law requires insurers to cover people with pre-existing conditions and prohibits them from imposing annual or lifetime limits on coverage.
  • Encouraging preventative care: The ACA requires health insurance companies to cover certain preventive services, such as cancer screenings and immunizations, without charging copays or deductibles. The law also funds community-based health programs that promote healthy lifestyles and disease prevention.
  • Reducing healthcare costs: The ACA includes a range of measures designed to reduce the overall cost of healthcare in America. For example, the law contains provisions that encourage the use of electronic medical records, promote the development of new payment models that reward quality and efficiency, and establish a new board to oversee Medicare spending.

Obama Care- effects and benefits

In 2010 the president of America, Barack Obama has signed a new Healthcare bill for the people. It is nothing but ‘Obama Care’ which is a plan for Healthcare reforms in the United States of America. It is officially named as the Patient Protection and Affordable Care Act 2010 and is even known as ‘Obama Care’. This new effort has completely focused on providing better standards of Health Insurance and also to help the insurance industries, to improve the Americans Health Care rights. The main motto behind the President Obama care bill is to provide efficient Healthcare system, thereby providing Health Insurance Exchanges. The citizens are also provided with an opportunity to shop for insurance through online at best rates. However, the individuals can also receive cost assessment through the exchange in order to provide affordable insurance services for all the Americans.

The Obama Care-Patient Protection and Affordable Care Act benefit individuals, families, and society. Some of the key benefits of the ACA include the following:

  • Increased access to health insurance coverage: The ACA has helped millions of Americans access affordable, quality health insurance coverage. According to the U.S. Census Bureau, the uninsured rate dropped from 16.0% in 2010 to 8.6% in 2016, a historic low.
  • Improved health outcomes: The ACA has led to improvements in a range of health outcomes, including a reduction in preventable hospitalizations and deaths, increased rates of preventive screenings, and improved management of chronic diseases.
  • Financial protection: The ACA provides financial security to individuals and families by limiting out-of-pocket costs and protecting them from bankruptcy due to medical expenses. The law also prohibits health insurance companies from charging higher premiums or denying coverage to people with pre-existing conditions.
  • Economic benefits: The ACA has generated significant economic benefits for the U.S. economy, including creating new jobs in the healthcare sector and increased economic activity in states that have expanded Medicaid.
  • To improvise Medicare for all the senior citizens.
  • Along with the pre-existing conditions, it provides insurance that covers everyone.
  • Reduces taxes for small-scale business, thereby providing Health Insurance to their employees.
  • Avoiding gender discrimination among all.
  • Helping young adults stay with their parent’s plan until they turn 26.

An Obama care bill for Healthcare reforms in America

A short essay on Obama care is a must because this has been introduced as Obama’s Health Care bill regarding the improvements in terms of insurance industries. This updated bill has expanded it’s Medicaid and Medicare, for creating an insurance plan for all the citizens. In many aspects, it is an effective program that will Reform more than 3 trillion dollars us Healthcare industries.
The Health Care Reform bill has been implemented with a unique idea for people who can easily purchase any kind of Health Insurance will be provided with the best quality of insurance. At the same time, the people who are struggling to get minimum health care will be provided with better enhancements. This will be achieved by the Medicaid or subsidized insurance that is linked to the health insurance exchange.

Need for This bill

It is very important to have a healthcare system that completely provides long-term support for health regarding issues. Since the present health care systems are not facilitated to all the citizens and are not upgraded. So Obama Care will help in providing better facilities regarding the cost of insurance and will also help with insured protection and rights. The healthcare bill is included with better standards of improving health care for, employer-based plan for all the employees. It also facilitates special provinces for women, senior citizens and people who are not qualified with Medicaid.

Obama Care Requirements

The citizens of America should know the minimum requirements of Obama Care, so as to access its advantages. It is notified that all the health insurance plans that are sold in 2014 will meet the new health insurance system standards. Therefore, it is very much important that all the health insurance companies should follow the procedure given for the new Obama Health Care plan. Based on this system all the individuals insured with any kind of health benefits in 2014 will be provided with the best quality of health care and protection. And in case if any plan is not providing the new standards of Health Insurance then the individuals should change to the new plan while opening the enrollments.

Challenges and Controversies

Despite its many benefits, the Obama Care-Patient Protection and Affordable Care Act have also faced various challenges and controversies. Some of the key issues include:

  • Political opposition: The ACA has faced fierce political opposition from Republicans and other conservative groups, who argue that the law is an overreach of government power and infringes individual freedoms.
  • Implementation challenges: The implementation of the ACA has been fraught with challenges, including technical glitches with the healthcare.gov website, delays in the rollout of specific provisions, and resistance from some states to expand Medicaid.
  • Rising costs: While the ACA has helped slow the growth of healthcare costs in recent years, some experts warn that prices could increase as the population ages and new technologies and treatments become available.
  • Coverage gaps: Despite the ACA’s efforts to expand access to health insurance coverage, millions of Americans remain uninsured or underinsured, particularly in states that have not expanded Medicaid.

FAQs about the Obama Care

Q1. What is the individual mandate?

Ans. The individual mandate is a provision of the ACA that requires most Americans to have health insurance or pay the penalty. The order was repealed in 2017 as part of the Tax Cuts and Jobs Act, but the rest of the ACA remains in place.

Q2. How does the ACA affect Medicare?

Ans. The ACA includes a range of provisions designed to improve the quality and efficiency of Medicare, including measures to reduce waste and fraud, promote care coordination, and expand coverage for preventative services.

Q3. How has the ACA affected healthcare costs?

Ans. The ACA has helped slow the growth of healthcare costs in recent years, but experts warn that costs could rise as the population ages and new technologies and treatments become available.

Q4. What is Medicaid expansion?

Ans. Medicaid expansion is a provision of the ACA that allows states to expand eligibility for Medicaid to individuals and families with incomes up to 138% of the federal poverty level. As of 2021, 38 states and the District of Columbia have expanded Medicaid.

Conclusion :

In this short essay on Obama care, we have discussed what is Obama care, and why the USA healthcare system needs these reforms. Apart from that, we have discussed the benefits of Obama Care Health insurance, what requirements are essential to apply this Obama care bill.

The Obama Care-Patient Protection and Affordable Care Act is a complex and far-reaching piece of legislation that has significantly impacted healthcare in America. While the law has faced its share of challenges and controversies, it has also provided millions of Americans access to affordable, quality healthcare coverage, improved health outcomes, and financial protection. As Obama Care Health insurance continues to be a pressing issue for many Americans, it remains to be seen how the ACA will evolve and adapt to meet the population’s changing needs.

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  • NSingh (MBA, RCM Expert)

    The author and contributor of this blog "NSingh" is working in Medical Billing and Coding since 2010. He is MBA in marketing and Having vaste experience in different scopes of Medical Billing and Coding as AR-Follow-up, Payment Posting, Charge posting, Coding, etc.

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