March 23rd, 2012 will mark the second anniversary of the signing of the Patient Protection and Affordable Care Act (ACA). This legislation represents one of the largest and most comprehensive reforms to the American health care system since the enactment of Medicare and Medicaid in 1965. The ACA seeks to extend coverage to roughly 50 million uninsured Americans, slowing down the growth in the cost of health care, and improving the quality of care health care by changing the delivery system.
The ACA would achieve these goals by eliminating the ability for insurance companies to reject a patient due to pre-existing conditions, allowing children to remain on their parents’ health insurance until age 26 and expanding the eligibility of Medicaid for millions of Americans. Additionally, the ACA calls for the creation of state-based health insurance exchanges that will increase the competitiveness and transparency of the individual and small group market for insurance. These exchanges will also provide subsidies to individuals and families to purchase health insurance. If exchanges are successful, they will be a significant help to individuals and small businesses looking to purchase coverage.
Since early 2011, with funding from the Robert Wood Johnson Foundation, an expert NASI study panel released several reports examining exchange design and implementation issues.
Just two weeks before the second anniversary of the passage of the ACA, HHS released the final rule on guidelines for exchanges. Secretary Kathleen Sebelius emphasized the flexibility states will have in designing exchanges. Tim Jost, law professor at Washington & Lee and a member of the health insurance exchange study panel, summarizes the final rule on the Health Affairsblog, and George Washington University’s Health Reform GPS website provides useful information on key developments in exchange regulations. While many provisions in the ACA have yet to take effect, many states have begun to build the basic framework of the exchanges.
NASI will continue to study the upcoming challenges policymakers will face in implementing exchanges. Of two upcoming reports, one will focus on plan management in exchanges and the other will focus on establishing information technology infrastructure in exchanges.
All Comments
— GEORGE W HARRINGTON on May 9, 2012
P.s For the people and do whats right it should not be about money,
— dennis volk on June 9, 2012
— Nathan Banta on June 28, 2012
— Kimberly on June 30, 2012
— Will Cook on July 1, 2012
— bettyann on July 3, 2012
We are an amazing country and I know that we can work to make this system better than socialized medicine, leaving room for capitalism while still ensuring certain social growth and a higher standard of living. We have to move forward or we will be left behind.
— Dina on July 4, 2012
While healthcare can be considered a "moral right", it is not an inalienable right. The right to life, liberty, and the pursuit of happiness are the only God granted rights guaranteed under the Constitution. Legislation should be passed that lifts the regulations already pointed out while addressing issues such as pre-existing conditions. I agree that insurance companies should not be able to turn down applicants based on pre-existing conditions, and I can see a need for children to remain on their parents insurance for a longer period of time (although 26 seems high).
The issues is that the government should not be in the healthcare business (or any business), and granting them the power to decide for you is sacrificing your liberty for a system that will drive this economy into a tailspin. Dina pointed out that hospitals will benefit by collecting on bad debt, however it is the American taxpayer that will ultimately absorb that debt in higher taxes. So while you may never need extended or expensive healthcare that would wipe out your savings, you will pay for it in higher taxes regardless.
As far as the European (and the Canadian) healthcare systems, do some research on how effective and efficient they really are.
Changes need to be made to the healthcare system, however you don't throw the baby out with the bathwater.
— David D on July 6, 2012
— Brent Rayburn on July 7, 2012
If someone is offended by being giving "Obama Care": I say if you don't want health insurance and the government gives it to you then look at it as a gift and just dont ever go to a doctor or maybe try being a naturalist and visit a naturopathic doctor. That maynot be covored by "Obama Care or the Affordable Care Act".
Nathan Banta...Sadly, just because theres Laws against or about somethings, it still happens. A relative of mine was refused service by a hospital close by & he needed the ER! He was unresponisve in his front lawn & they wouldnt come pick him up.
People say Obama Care will damage Healthcare? How? it cant get anyworse...It's expensive, my place of business switches healthplans every year just to save themselves some money and in the end it making hard for me to keep the same doctors and I have a pre-exsisting condition. I have been struggleing just going to get my degree because I always have to have insurance. OH.. im over 26 (Thank You).And how is the Affordable Care Act hurting us?
— jennifer on July 10, 2012
— Rachel on July 14, 2012
— jay on July 15, 2012
— jay on July 15, 2012
— jay on July 15, 2012
— Ginger on July 16, 2012
I am seeking the truth not a fight between the parties. Thank you.
— Sam on July 20, 2012
— Jewels on July 25, 2012
THANKS, BILL
— BILL BRITT on July 30, 2012
To the people who only visit a doctor once a year, congratulations for now...but I can tell you that things can change very, very quickly. In one year, a small problem of mine turned into heart failure which shut my kidneys down. I see a number of specialists on a regular basis and I NEVER worry about the money. I was hospitalized for a week and when the doctor told me I was ready to go home, I simply got dressed and left. No bill.
Canadian health care isn't perfect...we have to wait for elective surgery, and we have to wait our turn in the emergency room...first come is not first served...a heart attack takes precedence over a cold. BUT, we don't wait if it's serious. When my GP diagnosed me with heart failure, I was in a hospital bed 30 minutes later.
Our doctors don't make millions. Our socialized system basically allows a GP to make $300,000 a year. They get paid by the procedure and there is a limit. Basically the government says that if you are doing more procedures than a particular number, you can't be giving good care. Specialists make a lot more but not even close to a million...but...they don't wait for payment because the government pays them from taxes so doctors don't need to spend all that money on collections, etc.
You need to think carefully where your money goes. I can see any doctor I want and get a second opinion, a third and a fourth if I wish...and while I complain, I wouldn't trade my system for yours any day. My daughter goes to school in the U.S. and her health insurance costs are crazy high. I'm so thankful when she comes home for holidays because she gets everything done, including elective surgery.
Something to think about...the Canadian population is healthier than the American...for example, fewer babies die at birth and people live longer...yet we pay far less per capita than they do in the U.S. European health care didn't kill their economies...it had more to do with banking, borrowing and unsustainable spending. The problem with the U.S. economy is that your banks are out of control and regulation seems to be a bad word. Canada's economy survived because our banks are heavily regulated by the government and they weren't allowed to play games as the U.S. ones were.
Think hard about being sold a bill of goods by people who have no concept of what it means to worry about whether you can take your child to the doctor...research, ask questions, learn the facts...
— Canadian Chris on August 11, 2012
— Bonnie Williams on August 19, 2012
I figured that the reason they kept raising the price was because the price of the ingredients to make the pills went up, thus raising the price the supplier offers to the pharmacy. But after reading Jay's comment, maybe they are just greedy bastards taking advantage. I mean how much could those little pills cost them? probably like $10. But what do I know.
Any way, I rarely get sick and I only visit the doctor once a year. My dad makes pretty good money. As it is right now, it's cheaper for him to just pay the $106 a month, rather than buying a health insurance plan and paying $500 a month. That's why he's so pissed off about this ACA. But i'm thinking more about when I have to pay for these pills and doctor's visits myself, would the ACA help me? I'm not really sure, there's so many different opinions, if it would lower the price of health insurance plans, then yes, but some people are saying that it could have negative effects. I guess I will just keep researching it.
— Lacie on September 3, 2012
To Jennifer: Companies don't switch insurance every year to save money, they do it to keep insurance for their employees and stay competetive in their market. Our product along with everyone else's cannot afford to keep tacking on higher cost. You the consumer will just go by a foreign made product. And then gripe about our cost! The change in insurance companies affects everyone in the company including the owner and guess what we don't want to change either but we have to.
To Brent: If you have HIV because of a blood transfusion (out of your control) that is one thing. But if you have it because of personal choice why should I have to pay for your choices?
To Rachel: If you went to the ER for mono you waited to late, I would have gotten another doctor and in our area there are plenty of am/pm clinics that don't cost as much.
The so called rebate from insurance companies that Obama Care made them pay back to people due to not paying out 80% in premiums. We got the rebate for our employees and it was a whole $6.99, We gave that back to each employee but it cost us an additional $7.68 per employee to do that. Our government doesn't ask what it takes to run a business and how best can we help, that is why we need a businessman in the white house and no more politicians anywhere in our government. We need business people.
Due you know that Nancy Pelosi stated "You have to pass it to see what's in it"? With that said her and Harry Reid have given more waivers to their district and state for companies to be exempt from Obama Care. Harry Reid got the whole state of Nevada exempt per one listing. And they themselves are exempt because they are a elected official. Get Real! What's good for the gander ought to be good for the goose, don't you think?
Due to out of control workers comp in our state, the increased unemployment due to extensions, the health care rates going out of control, the EPA and Osha and other federal mandates that have been imposed on small businesess for the last 3 1/2 yearss we are struggling with a decision to make. That is whether to try to stay in business as is and raise cost to the consumer even more or send all our hourly employees through a temp service.
This is a very hard decision but something has to give, the consumers don't want to pay more and we don't blame them because even though we are a business owners we are all consumers as well. I just paid $2.69 for a head of lettuce last night that used to cost 69cents. Come on people please stop thinking that the government can solve all your problems. We need to get back to the fundamentals our country was started on. Think of when the colonies started and when they realized some people were just lazy and wanted everything given to them, the fixed it and they either worked or didn't eat. It was their choice. We have to get our country on the right road and letting government run everything is not the way to do it!
If you enjoy the privledge of owning a gun in order to defend your family, your property or just feed your family you will not vote for Obama! Everyone knows there are nuts out there with guns! And taking away all guns will not change that. Because they don't get them legally anyway. You just take away the right to defend yourself. Our founding fathers knew what we might do to ourselves and that is why they wrote the Constitution and we need to have it upheld by our elected officials. If we don't start now it is going to be to late.
Just for the record I don't vote any party lines, I vote for who I believe is the right candidate to get the job done!
— Pamela on September 19, 2012
Everything we know and have ever been told in the US about a universal plan has been one lie backed up by another lie and supported by another lie. The quality of care is the same, if not better. The wait times are the same, if not less. The tax rates for their healthcare is the same for our military (about 30%) - the tax rates for their military is the same as our healthcare (about 5%). The doctors do make high salaries and still require medical degrees - if anything you can argue that the lack of plastic surgeons and lucrative specialties weeds out the doctors who love their work from the ones who simply want the money.
The money's already in the system, we just need to reallocate it to places that matter and NOT our military.
The only people who suffer from a universal plan are the rich; the ones who can already afford highly specialized team of doctors to work day and night on their failing health. The rest of us have nothing to lose and everything to gain.
Even business owners complaining about this need to wake up and smell the coffee! A universal plan means they no longer have to find a provider and cover their staff. Providing a benefits package isn't a huge ordeal at that rate and qualified candidates can base their decision making on the merits of working for the company vs the benefits package offered - small businesses will be able to compete with the corporate giants at that level. This will also reduce the burden and workload on the HR departments, no longer needing a specialized person just to cover the health plans.
Our current system provides none of this. It's nothing more than financial Darwinism, ensuring only the wealthy survive.
— Brian on October 18, 2012
and now i am sick that the government thinks they have the right to take iy away. I am sick of both parties. You have to be either rich or poor to make it in this country. The good news is I guess i am going to make it!
— david guy on October 20, 2012
Obama is a Joke!!...Stop lying to yourselves people, You want a change for America or a change of color in the white house??
I ain't white!! and I may be darker than OBAMA but whats right is right and his MUSLIM (ain't black ass) is the ANTI-CHRIST!!!.... At this point, the guy next door has my vote!! ANYBODY BUT OBAMA!!
— Kathy on October 25, 2012
2) Canadian Chris I was raised in New Zealand so I know the benefits of free health care.
And yes people, tax money will pay for it. Taxes should go back to the people thats what it is for.
Obamacare is not exactly free medicine and there is a lot of improvements that need to be made. honestly I have not read it word for word.
It is sad that so many countries are killing their own with sadistic rulers but what America is blind to is the fact that America is killing its own everyday by suppressing cures and having big pharmaceutical and insurance companies rule who lives and who dies.
Disability is a joke, I know a couple who get $5000 a month on disability, one is on it because she had a heart attack while doing illegal drugs so she never has to work again and he works full time cash money while getting disability. I say mandatory drug testing and more rules be set.
Single parents use the system for food and medical for their children mainly in part because the estranged parent skips out on paying child support. For a single parent to get these benefits they have to have a fulltime job.
Romney scares the crap out of me as he has ruined so many lives to line his pockets.
SAY YES TO UNIVERSAL HEALTHCARE AND REGULATE BIG BANKS AND CORPORATIONS FROM STEALING FROM US.
— Celora on October 25, 2012
— Celora on October 25, 2012
Do I think the Health Insurance system needs overhauled? heck yes
Do I think Socialized Medicine is the answer? Heck NO!
The Socialized Medicine in England, that ObamaCare was modeled after, is not working AT ALL! It takes 3 months to see a doctor for anything. You're screwed if you have a serious condition because you're most likely going to die waiting to be seen.
And, I just had to add my two cents to Kimberly's Comment... Where do you get off saying business owners don't care about their employees? You, my friend, have obviously never worked in upper management. When I started my own company 4 years ago (which I might add, failed because of the Obama Administration), I cared deeply about all of my employees. I knew all of them by name, and had an open door policy. I'm not the only one doing this, either. Of course, theres the 5% rule in every crowd, but for the most part, upper management truely does care.
So anyway, I've said my piece. Down with ObamaCare!
— Patrick on October 30, 2012
Watch the Bipartisan Meeting on Health Reform to see who is looking out for your interest.
Bipartisan Meeting on Health Reform: Part 5 Uploaded by whitehouse on Feb 25, 2010
http://www.youtube.com/watch?feature=player_detailpage&v=8uI5-GJf1nU#t=5...
You may have to copy the link and paste it into your web browser.
For more information that may help you decide who to vote for in this election, then visit
http://www.thetruth.coffeecup.com/bipartisan_meeting_on_health_reform_-_...
— Charles Kranichfelt on November 2, 2012
Obama Care guarantees that Health Care is available to any legal U.S. resident who cannot otherwise obtain "good" healthcare through their employer. Your access to health care is no longer in the hands of health care and insurance companies.
ObamaCare requires that all Americans have health insurance either through a private provider or by the Health Care for America Plan.
• Obama Health Care isn't a mandate it's a tax (you can opt out and pay a tax if you don't want health insurance). What ObamaCare does do however is give all Americans the option to be covered regardless of income or preexisting conditions and can't be dropped from their insurance when sick.
You can opt out but why would you? You either pay for it through work or a health care plan. I do not see how any of this is bad!
— danielle on November 8, 2012
— Pamela on November 14, 2012
Linda Tesley Lehman
— Linda Tesley Lehman on December 2, 2012
— John Richards on December 29, 2012
I'd rather get the help i need so that i can at least work part time, then to know i have to spend 90% of my time in bed. because i don't have the medicine and surgery that can allow me to have a life again.
— cytrillia on January 26, 2013
— Julie Gutierrez on April 11, 2013
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