Affordable Care Act?
Heald College Portland|
The Affordable Care Act is a health care law that aims to improve our current health care system by increasing access to health coverage for Americans and introducing new protections for people who have health insurance. If you have health insurance, you will benefit from steps to stop insurance companies from cancelling your coverage if you get sick. The law will also require insurance plans to cover your out-of-pocket costs for many proven preventive and screening services, such as colonoscopies and mammograms, to catch problems at their earliest, most treatable stages. But maybe you don’t have insurance. Your job might not offer health insurance. Or maybe you have been denied coverage because of a pre-existing condition such as asthma or cancer. The law now offers health plans for people with pre-existing conditions who have had trouble finding care. And it will increase access to coverage for more Americans in 2014. The law helps small businesses pay for health insurance for their employees. And it supports programs that will help increase the number of primary care physicians, nurses, physician assistants and other health care professionals. (HealthCareandYou.org, 2012) Millions have already benefited from the Affordable Care Act. In 2011, an estimated 86 million people have used provisions from the act to get preventive care through their insurance plans previously subject to co-pays or deductibles but now receive for free. Approximately 2.5 million seniors have saved an estimated 1.5 million dollars thanks to prescription drug discounts included in the health reform. At least 2.5 million young people can stay on their parents health plan until age 26 if they remain dependents. Four million small businesses can now claim a tax deduction for providing health insurance; so far over 250,000 small businesses have claimed providing insurance for 2 million...