Whether you are a Republican or Democrat, both sides can see the positives and negatives Of the Affordable Care Act. Beamer is an unconstitutional act being forced on our country. The negatives greatly out weight the positives and we should not be forced to live under this plan. Bombardier’s goal is to give more Americans access to affordable, quality health insurance, and to reduce the growth in health care spending in the U. S. This is the opposite of what is actually happening.
Many people who pay for their own health insurance were shocked when they opened their health care bills; they found their policies were being replaced with pricier plans informing to all the requirements of the new health care law. A family of four in Jameson-2 Portola Valley will pay almost ten thousand dollars for their insurance. The goal of this act was to make insurance affordable for everyone, but this evidence shows that it actually increases the cost for some. Barrack Obama made promises along with the passing of this Act.
His most famous broken promise was when he said, “First of all, if you’ve got health insurance, you like your doctor, you like your plan – you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you. ” In New Jersey alone, 800,000 Americans have lost their health care plans because they don’t meet the minimum standards. The act is taking away what people already have. Over 4. 2 million people have lost their health care plans or were informed that they would have to pay more money to keep their plan (Williams. Some would argue Beamer is good because it makes businesses provide insurance to their employers. While this is a good argument, what about the businesses just barely making it? There are small businesses that cannot afford to provide this (Ashtray. ) People have worked hard to get their businesses running and if they do not want to provide healthcare that is their choice, not the governments. When people apply to a job they know when healthcare will and will not be provided It is their choice to continue to apply for the job.
If these businesses are providing insurance they have to pay more to get this coverage. If they are paying more they are not going to be able to afford to keep all of their employees. This will create the result of people losing their jobs or their hours of employment. Jameson-3 Although it was ruled constitutional, there is a strong belief this act violates out American rights. The government is taking too much control on what we can and cannot do. We should have the right to decide if we want to pay for healthcare or not.
We have the right as Americans to make this choice. If we want to live out the liberties granted to us by our founders, we should reserve our right to purchase healthcare in the free market, allowing opportunities for those to purchase at affordable rates, not by allowing healthcare controlled by bureaucrats. The Affordable Care Act helps to make it easier to receive Medicare, which is a good thing, but where does that money come from? They get the money to provide these things through our taxes. (“Pros and Cons of Beamer”). It comes from the state and federal taxes.
If you decide you do not want to receive healthcare, you will be charged. You will be charged a fee and a tax if you chose to stand up for your rights and not enroll. The Affordable Care Act focuses more on providing better healthcare and providing it to everybody than actually making healthcare affordable. It asses higher taxes and higher payment to receive healthcare. The title of the act is Affordable Care Act, but in reality to most people and families this act makes healthcare less affordable and less likely for people to want to have and pay for it.
The fact that it is being forced on us to have healthcare makes more people want to defy the law and not pay for it. Beamer brings health insurance to many people who may otherwise not be able to afford it, with the use of subsidies to help cover the costs. The Affordable Care Act also implemented the 80/20 rule, which States health insurance companies must spend 80% of premium dollars on patient care and quality improvement, keeping profits and other costs to 20%. The Affordable Care Act further saves consumers’ money by limiting premium increases from year to year using a rate review program.
While this helps the consumers it hurts the people who are trying to profit. They are being hurt by the act and they are a part of the United States as well, they should not be punished for attempting to profit. Jameson. Under the Affordable Care Act, your insurance company can no longer cut off our benefits because you or your employer made a mistake on your insurance application. Before, they could not only invalidate your coverage because of such a mistake, but demand repayment for any benefits they paid out under the policy.
Also, they can no longer charge you more or refuse coverage for pre-existing conditions, regardless of whether you’ve been turned down in the past. Though this doesn’t cover grandfathered plans those obtained through private insurers before the Affordable Care Act went into effect consumers facing denials through such plans are now able to arches new insurance through the Marketplace. It can be agreed that this may be a part of the act that is reasonable and a well thought out idea.
It still conflicts with the thought that there should not be a set Marketplace where we must purchase our healthcare from. Insurance companies cannot deny children coverage for pre-existing conditions. This benefit applies to everyone in 2014. Insurance companies can no longer drop anyone from coverage once they get sick. If a company denies someone coverage, that person can go to an Jameson-5 external appeals process (Madame). To file an external review you must write a written request to an official reviewer.
After you file your request it can take up to sixty days to receive the decision of the reviewer. If the reviewer sides against you, that’s the end of it. There is no other step to appeal it you have to live with the verdict. Even though you may be right about the subject you are appealing on you can still be charged twenty five dollars to file the appeal (“External Review”). The Affordable Care Act is a widely debated topic across the United States. There are many positives and good ideas that this act creates, but with almost very positive there is a negative effect in some way.