Patient Protection and Affordable Care Act 2010
Patient Protection and Affordable Care Act 2010
Quality, Affordable Health Care for all Americans
Change Analysis: Title I
Title I of the Affordable Care Act provides individuals, families, and small business owner control over their health care. This Act gives the middle-class the largest tax cut on health care our country has ever seen. Millions of working families and small businesses will benefit from decreased insurance premiums that will produce hundreds of billions of dollars in tax relief. Preventive care will be completely covered without out-of-pocket expense; it will also place a cap on out-of-pocket expenses. Also, if a person wants to keep their current insurance he or she will be allowed to do so. Americans who do not have insurance coverage will have the opportunity to select a plan that is best suitable for him or her in an open, competitive insurance market. This will be the same insurance companies that Congress uses for their own insurance. Insurance companies will have to compete with each other for the consumer’s business constructed on cost and quality. Small business owners will be given a tax credit to aid in the offsetting of the cost it takes to cover their employees insurance. Insurance companies will not be able to deny coverage based on a person’s pre-existing health conditions. It will also arm consumers with more power to fight against denials to physician ordered treatments covered by insurance. This Act will help eliminate a large amount of insurance company abuse by setting clear and precise rules, which should force companies to do the right thing are be heavily fined. Insurance companies seem to always manage to find ways to confuse and manipulate the consumer but this bill will help eliminate some of these activities. Not only will an individual be able to keep or select a plan but be provided with unvarying meanings of insurance and medical terms. The bill will also require the language in the summary of benefits and coverage to be comprehensible by the ordinary enrollee, no more than four pages long, and no smaller than 12 font print ("The Affordable Care Act, Section By Section," 2010). How Will These Changes Effects Health Care?
A little over two-years-ago, the Patient Protection and Affordable Care Act (H.R. 3590) passed with a vote of 60-39 in the U.S. Senate. According to the "Analysis of the Patient Protection and Affordable Care Act" (2010) based on the COMPARE micro-simulation model used by RAND for the changes of H.R. 3590 between 2010 and 2019, there will be some significant improvements in health care coverage. By 2019, the bill will decrease the amount of uninsured to 25 million, which is a 53% reduction compared to status quo projections. Under H.R. 3590, four million more children would be covered under the employer-sponsored insurance (ESI) and Medicaid. In 2019 under this bill, the average individual would be younger, healthier, and a higher incomes. H.R. 3590 opens up the opportunity for as many as 28 million new purchasers through the Health Benefit Exchanges by 2019, which consist of four basic plans. For people in lower-income families, premium and cost-sharing grants and aid are available through an Exchange (the non-group market). From 2010-2019, the H.R. 3590 is estimated to increase the U.S. personal health care spending by two percent. It is estimated that revenue generated through penalties from noncompliant individuals and employers of the coverage provisions of the bill will average approximately $87 billion.
Improving Quality and Efficiency of Health Care
Analysis of the Change: Title III
The Patient Protection and Affordable Care Act (PPACA) is aimed at protection of patients and working smarter, not harder as it involves health care. Medicare and Medicaid patients are usually the most affected, due to the ease and confusion in types of billing; what is billed for; a...
References: Analysis of the Patient Protection and Affordable Care Act. (2010). Retrieved from http://www.rand.org/pubs/research_briefs/2010/RAND_RB9514.pdf
Harrington, S. (2010). U.S. Health-Care Reform: The Patient Protection and Affordable Care Act. Journal of Risk and Insurance, 703-708.
Redhead, Stephen, C. & Williams, Erin, D. Public Health, Workforce, Quality, and Related Provisions in PPACA: Summary and Timeline. (2010). Retrieved March 12, 2012, from http://www.crsdocuments.com
Responsible Reform for the Middle Class. The Patient Protection and Affordable Care Act Detailed Summary. Retrieved March 12, 2012, from Democrats. Senate. Gov/Reform
The Affordable Care Act, Section by Section. (2010). Retrieved from http://housedocs.house.gov/energycommerce/ppacacon.pdf
Thought Leader Forum, Quick Leonard Keiffer International. (2008). Retrieved March 12, 2012, from http://www.ashhra.org
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