NUR 508 Grand Canyon Week 4 Discussion 2

After reading the Kaiser Family Foundation summary on the Patient Protection and Affordable Care Act, state why or why not you believe the act should remain in law, or which pieces should be reversed. Then describe two pieces of the act that you were unaware was part of the act and how that may affect you as a citizen.

ADDITIONAL INFO 

Kaiser Family Foundation summary on the Patient Protection and Affordable Care Act,

Introduction

The Patient Protection and Affordable Care Act (ACA) is a landmark piece of legislation that has affected millions of Americans. The ACA was signed into law in 2010 by President Barack Obama and took effect on January 1, 2014. It provides for health insurance coverage for everyone, no matter their age or where they live.

The law will:

The law will:

• Prohibit insurers from excluding people with pre-existing conditions from coverage. This means that you can’t be denied coverage or charged more because of a medical condition you’ve had before. It also means that insurance companies can’t raise premiums based on your health status or gender, which is a huge improvement.

• Allow parents to keep their children on their policies until they turn 26 (or other age limits). This is thanks to the Children’s Health Insurance Program Reauthorization Act, passed by Congress in January 2017 and signed into law by President Obama later that year

Prohibit insurers from excluding people with pre-existing conditions from coverage.

The Patient Protection and Affordable Care Act (PPACA) requires that insurers cover people with pre-existing conditions. This means that an insurer cannot refuse to cover you, charge higher premiums because of your health status, or drop you from a plan if you get sick. In other words: no more denying coverage because of a pre-existing condition!

The language in the PPACA is clear: “No person shall, on account of such individual being insured by any group health plan… be subject to any discrimination because such individual has been certified as having acquired his total maximum medical benefit package through participation in another group coverage plan.”

Allow parents to keep their children on their policies until they turn 26.

This is a great way to ensure that your child is covered if you become ill or injured.

The Kaiser Family Foundation summary on the Patient Protection and Affordable Care Act, which was recently signed into law by President Obama, is available here: https://www.kff.org/health-reform/issue-brief/the-patient-protection-and-affordable-care-act/.

Impose limits on how much of your income insurers can ask you to pay out of pocket, and how much they must cover.

The bill also imposes limits on how much of your income insurers can ask you to pay out of pocket, and how much they must cover.

Insurance companies will be prohibited from charging higher premiums based on gender or health status. Insurers cannot charge more than 8 percent more for individuals with pre-existing conditions, which is less than the rate charged by Blue Cross Blue Shield in California and New York state regulators found likely to result in higher premiums due to uncertainty over whether an applicant has a pre-existing condition. And they cannot impose annual limits on coverage as long as someone continues to pay medical bills after being diagnosed with cancer or another serious illness that requires treatment beyond what would ordinarily be covered by insurance policies without any out-of-pocket costs being incurred by those who need additional treatment beyond what’s included in their current policy

Lower the cost of insurance for small businesses.

The PPACA also helps small businesses by lowering the cost of health insurance. Under the law, companies can offer health insurance to their employees that covers 100% of the cost of their premiums and provides them with generous benefits. In addition, it allows small businesses to pool together across state lines so they have more purchasing power when negotiating with insurers.

Finally, it makes it easier for individuals and families to buy coverage on their own by requiring all Americans who receive federal subsidies through health care exchanges or Medicaid programs like CHIP (Children’s Health Insurance Program) or SCHIP (State Children’s Health Insurance Program). This includes single adults earning up to four times as much money per year as someone making less than 200 percent FPL ($62k/year).

Increase federal funding for Medicaid

According to Kaiser Family Foundation, the Patient Protection and Affordable Care Act (ACA) will increase federal funding for Medicaid. The law requires states to expand their Medicaid programs so that they cover more people with low incomes. This will allow more Americans to receive health care coverage and make it easier for them to afford it.

In addition, states are allowed more flexibility in how they use this money when implementing new requirements under ACA’s Medicaid expansion program.

Require people to carry health insurance and provide tax credits if they can’t afford it.

The bill will require people to carry health insurance, and provide tax credits if they can’t afford it.

The bill also includes a number of other provisions that make it easier for Americans to get affordable coverage:

• It allows states flexibility in how they regulate insurance companies, which should help keep rates lower than they otherwise would be.

• It expands Medicaid coverage so that more low-income people are eligible for this program (and thus avoid being uninsured).

Knowing more about the ACA help better understand the bill

If you’re looking for a basic understanding of the Patient Protection and Affordable Care Act (ACA), this Kaiser Family Foundation summary is a great place to start.

The bill isn’t perfect, but it is a step in the right direction. It has been through many changes since it was first proposed, so knowing more about how it works can help you better understand what’s happened over time and where things are going from here.

Conclusion

This summary is intended to help you understand the basics of the Patient Protection and Affordable Care Act (PPACA). We hope that it has been helpful, but if you have any questions or would like more information please do not hesitate to reach out!

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