Does the Affordable Care Act need to be reformed? Zihan Ahmed
As humans, we differ from one another in many ways. Culture, ethnicity, statues, etc., but we also have many things in common. One of which is health.
Whether we are rich or poor, we all get sick. The difference between the rich
and the poor concerning their health is when the rich get sick, they can easily get treated and the poor cannot. Because of this, a few countries around
the world have made health care systems so that everyone can get treated
when they get sick. This system is really beneficial for the poor. One of those countries is the United States of America. The U.S. has made a health care program called the Affordable Care Act for people with low incomes. But
does the Affordable Care Act solve most of the health care problems for the people with low income? Does the Affordable Care Act solve some of the
main problems in the U.S. health care such as, inadequate health insurance, the high cost of health care, and inadequate mental health care?
One of the main goals of the Affordable Care Act (ACA) is to expand insur-
ance coverage, and ultimately, increase access to care. The ACA expanded Medicaid coverage in participating states to all nonelderly adults with
incomes below 133% of the federal poverty level (FPL), about $16,000 for an individual or $33,500 for a family of four. It also provides subsidized
insurance through the health care marketplaces for small businesses and
individuals without access to employment-based insurance. Since the ACAâ€™s first open enrollment period during the Fall of 2013, the number of uninsured
Americans has fallen from 41 million to 27 million (Glied, 2017). Thanks to the ACA, many people who were not able to visit the doctor, hospital, or other
health care provider, are now able to. A recent Commonwealth Fund survey found that 72% of those enrolled in a marketplace plan or in Medicaid had
used their insurance to visit a doctor, hospital, or other health care provider. More than half said they would not have been able to access or afford care
before getting coverage through the ACA. There is also evidence to suggest that the ACA has significantly reduced health disparities between racial and ethnic groups (Glied, 2017).
Even though the Affordable Care Act has many benefits, it also has its fair
share of drawbacks. One of those things is the cost of the ACA. It is true that the person who is receiving the ACA does not have to pay for it, but it does not mean another person in the family who is making an income and is not receiving ACA does not. Medicaid is a welfare program for the poor, blind
and disabled. Medicare is a welfare program for the elderly. Both of these programs are used to help them pay for their health care (MDHHS, 2017).
Almost everyone 65 and older can qualify for Medicare. For older Americans, it is said that 23% of their total family income on medical care is spent out of their pocket. That is an enormous amount of money being spent for health 72 >
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