The Affordable Care Act is a health care reform that was implemented to help provide insurance to individuals who had no insurance through the public programs or through an employer.
The plan required most residents to have insurance coverage and if they did not have access, they could enroll through the American Health Benefit Exchange. The act provided subsidies to those who qualified to help cover the premium costs. A part of the affordable care act was that preventative services would be covered at no cost to the individual (hhs.gov). A large debate that has gone on with the affordable care act and Hobby Lobby is that they do not want to cover contraceptives due to religious beliefs. A part of the act is that employers must provide contraception as part of their health care coverage.The case began in 2013 and ruled in favor of Obamacare requiring Hobby Lobby to pay for contraceptives until a decision could be reached in Federal Court. On June 30, 2014 the supreme court ruled that certain for-profit companies cannot be required to pay for specific types of contraceptives for their employees (Mears and Cohen, 2014). The Obamacare administrators are working on ensuring that women will still have coverage for contraceptives.This type of ruling will have an impact on providers on what type of contraceptive coverage they will offer to their patients. They will have to be in tuned to how much a brand name verse a generic may cost in order to help their patient pick which option is best for them. The provider may also want to look at how much the shot, pill, IUD, etc. could cost as this too could lead to a different decision for the patient. It is also up to the patient to communicate with their doctor that they may have to pay out of pocket for their option, and which one will be less expensive if they find that they cannot afford their first choice.This ruling is also opening the doorway that can lead to other large organizations to begin to argue that other laws affect their rights based on religious freedoms. This could affect laws on employment, civility, and safety, as well as other health concern rights. It will be interesting to see how far other rulings will go with religious beliefs after the ruling in this case.Booker 10.1COLLAPSEDuring President Obamas term, Congress enacted the Patient Protection and Affordable Care Act of 2010 (ACA). The legislation is long and complex and covers nearly every aspect of the nations health care system. The ACAs main purpose is to provide insurance to the more than 32 million that are currently uninsured in the United States. The law has 5 main components to this effort:All Americans must have some form of health insurance or pay a penalty through the tax code.The law requires state Medicaid programs to provide coverage to all persons with incomes below 133% of the federal poverty level. However, Medicaid expansion is now an option and not a mandated requirement.Each state must set up insurance exchanges or healthcare marketplaces. This allows the uninsured to purchase affordable private coverage.Employers with more than 50 FTEs must provide full healthcare coverage to their employees or pay a financial penalty to the federal government.Private insurance companies are required to comply with a host of federal regulations that seed to eliminate the practice of discriminating against people with preexisting conditions (Knickman & Kovner, 2015).The biggest changes to the ACA came in 2014-2016 when Medicaid coverage expandedin 31states and health insurance exchange or marketplace policies provided coverage for some 12.7 million enrollees (Health Reform, 2016). An article by Newark (2016), reports a tremendous amount of success of the ACA in providing insurance coverage to most Americans also underlines one of the Acts core failures: That coverage remains unaffordable for many of those who do not have public or employer covered insurance. A record number of Americans have insurance coverage than ever before. However, private insurers are stating their intent to increase their premiums by double-digit percentages this year. Several insurers are falling off the exchanges due to losing money. In October of 2015 the ACA implemented an increase in federal match for Childrens Health Insurance Program (CHIP). This increase provides for a 23 %-point increase in the CHIP match rate up to a cap of 100%. In January 2016, the ACA implemented healthcare choice compacts. This permits states to form health care choice compacts and allows insurers to sell policies in any state participating in the compact. Upcoming for 2018 the ACA plans to implement tax on high-cost insurances. This implementation imposes an excise tax on insurers of employer-sponsored health plans with aggregate expenses that exceed $10,200 for individual coverage and $27,500 for family
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