health care

Topics: Health insurance, Health care, Poverty Pages: 5 (1744 words) Published: November 23, 2013

HCAD300
October 2, 2013

Obama Health care
As we all know, there are thousands of Americans including me, who are uninsured. Many of us don’t have insurance because it is very expensive, or we don’t have a job to obtain one. With the Obama care, with will helped many of the thousand that are not without insurance, and also the seniors citizen of the country. America's health care system needs reform, but not the sort of changes enacted under the new health care law. The Patient Protection and Affordable Care Act (commonly referred to as "Obamacare") asserts federal control over health care benefits and financing, establishes a complex one-size-fits-all health system, and centralizes America's health care decisions in Washington. The recently signed health-care legislation will have lasting consequences on health care in America. The massive two-piece package includes federal control of benefits, increased taxes, mandates on employers and individuals, and an expansion of costly and inefficient entitlements. This represents a federal takeover of the U.S. health care system on the pretext to meeting the needs of the millions of Americans who are currently uninsured. According to the Congressional Budget Office, the new law will provide coverage to 32 million by 2019, but will still leave 24 million Americans uninsured. This is a far cry from universal coverage. For those who become newly insured, Nix argues Obama care falls short of fulfilling its promises to the uninsured because it: The Obama care has expanded eligibility for Medicaid, in order to cover low-income uninsured citizens. This bill will include all American that fall under the below 133 percent of the federal poverty level, but however, Medicaid is low-performing, low-quality federal program that fails to meet the needs of its beneficiaries. For example, Medicaid’s failure to cover the cost to providers of seeing Medicaid patients has greatly reduced the number of doctors who will see Medicaid patients. Therefore Medicaid beneficiaries have become even more reliant on emergency care than the uninsured. Also those whore are not insure will end up paying a fine at the end of the year. The underinsure are going to benefit or loose from the Obama care, because the Obama care is more affordable which can help all individuals. As premiums, deductibles, and co-pays rise, the underinsured either go in debt or forego needed treatment, adding more strain to an already overtaxed health care system. Discussions about the health care crisis often focus on the 46 million uninsured. But a growing number of insured Americans also cannot afford proper health care. In addition to raising premiums at double-digit rates, insurance companies are increasing deductibles and co-pays, leaving the insured to pick up much of the medical bill. The cost-sharing approach among insurance companies - an approach that affects both employees and the self-employed - is being enacted with little regard to the consequences to the insured or to the health care system as a whole. In fact, not only are the underinsured receiving inadequate care, but cost-sharing can actually drive up the costs for everyone. Being underinsure can be vary, because most are tied to an individual’s income. In one article “Issues facing America: Underinsured patients,” published by the American Academy of Orthopaedic Surgeons, Ryan M. Nunley, M.D., states that underinsured individuals are those whose medical expenses are greater than 10 percent of their income or whose medical expenses are greater than 5 percent of their income and that income is less than 200 percent of the federal poverty level. The primary step that Congress has taken to help the underinsured is to establish health savings accounts (HSAs) for individuals with high-deductible insurance plans. The plan allows them to set up special bank accounts (with pre-taxed money) to pay for medical expenses. However, Nunley believes that such policies only...
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