Health Care Innovation Project
Ashley M. Hart
March 09, 2012
I will compare the current health care system with the new Patient Protection and Affordable Care Act (ACA) that became law on March 23, 2010. The current system, which is being phased out between 2011 and 2018 is increasingly inaccessible to many poor and lower-middle-class people. About 47 million Americans lack health insurance, an increase of more than two million people from 2005 (Rover, 2011) the increasingly complex warfare between insurers and hospitals over who pays the bills is gobbling up a great deal of money and the end result is that the United States pays roughly twice as much per capita for health care as Canada, France, and the United Kingdom yet experiences slightly lower life expectancy than those countries. President Barack Obama campaigned for the need to reform the American health care system, stating that the cost of health care was a “threat to our economy” and that health care should be a “right for every American.” (Rover, 2011) Thus began the passage of health care reform. On March 23, 2010, the Patient Protection and Affordable Care Act became law. Private and Parochial schools have been competing with public schools for as long as I can remember. These schools have to show that they are worth paying for or they do not get customers. The health care industry, on the other hand does not have government competition. The old health care system gave insurance companies all the power. It is more along the lines of, pay us outrageous fees or you die. Even if you have their coverage they still look for ways to drop you from their insurance. I feel that under the new health care reform laws I will not have to worry about getting laid off and losing my health insurance coverage again. There are 92 provisions in the ACA (Affordable Care Act) that are being implemented between the years 2011-2018. This paper, however, will only cover the provisions I feel are of concern to most lower to middle class Americans, or should I state “financially struggling like myself”. Furthermore, the ACA has a broad range of provisions that aim to advance a framework and foundation for redesigning the healthcare delivery system to one that is person-centered, offers individual control, improves quality, and integrates care across settings and providers (Shugarman, L. R., & Whitenhill, K., 2011). Key provisions undergird health and long-term care reform by improving the continuum of care within four domains: long-term care insurance, home and community-based services (HCBS) expansion, care coordination, and workforce reinforcement. Since the recession began in December 2007 nearly 7 million Americans have lost their jobs. In addition, there were an estimated 43 million uninsured prior to that; Many of whom lost the only health insurance coverage they had for themselves and their families. Former employees are given the option to buy temporary insurance through companies such as Cobra which contains provisions giving certain former employees, retirees, spouses and dependent children the right to temporary continuation of health coverage at group rates. However, this insurance is costly, well above the financial means of someone without a job. The typical cost for basic family coverage can be around $1,309.00 per month. A cost that is nearly impossible to cover when you are unemployed or underemployed.
Under the ACA, the following provisions would be considered pros for the average American: (a) Coverage will expand to cover nearly 95 percent of legal U.S. residents. Plus, preventative care will be free. (b) Increased regulation will stop insurance companies from rigging prices, for instance there was a recent 40% insurance premium increase in California. (c) Insurance companies will have to accept everyone. No more...