A rheumatologist is a specialist that focuses on treating and managing diseases of the joints, muscles, and bones. Though there are several reasons you want to have coverage with Obamacare, there are are few disadvantages to the options available to everyone. 1480 Views. Many hospitals and public health agencies have set up programs to help guide consumers and business owners through the setup process. Under the … We are here to provide you with simply the unbiased pros and cons for Obamacare to allow you to determine how you feel about the issue. Even … Health care costs would increase and overall healthiness could decrease in the U.S. if patients no longer received the 10 essential benefits or free preventative care. Larger firms may notice a negative financial effect that will in turn affect their employees as well; however, despite some of the Obamacare facts, pros, and cons, all Americans will still benefit greatly from the implementation of the ACA. The ACA website also has sections devoted to explaining the procedures and available options. The goal of Obamacare is for people to be insured year round. Funding also comes from savings in Medicare payments. This paper will discuss the advantages and disadvantages of Obamacare. Some people in the healthcare industry are critical of the additional workload and costs placed on medical providers. This made it difficult for people to enroll and led to delays and lower-than-expected signups. Debra Sullivan, Ph.D., MSN, R.N., CNE, COI, Centers for Medicare and Medicaid Services press release. Due to the COVID-19 pandemic, people are staying home more than ever. It is true, however, that Obamacare has its share of pros and cons, which people should know and understand in order to fully make an informed decision about the act. Millions of Americans have benefitted by receiving insurance coverage through the ACA. The Cons of Obamacare Insurance. It is important to know the unbiased pros and cons of Obamacare to determine where your opinions falls on this issue. “The ACA is going to help all Americans have higher quality and less costly healthcare in the decades to come,” says Dr. Christopher Lillis, an internist in Virginia and a member of Doctors for America. ObamaCare Cons: ObamaCare Insurance Exchanges. Several new taxes were passed into law to help pay for the ACA, including taxes on medical device and pharmaceutical sales. If people had known how it would develop, the health-care act would likely never have become law. then youve probably been keeping up with the changes because they affect your livelihood. Obamacare is the Patient Protection and Affordable Care Act (ACA). Last medically reviewed on August 14, 2019. The negative effects of Obamacare Obamacare is one of the more talked about subjects that have occurred over the past five or six years. It is not a perfect system by any means at all. What Are the Advantages and Disadvantages of Medicare Advantage Plans? There are disadvantages that have been brought about by the Obamacare. Obamacare- Pros and Cons of The Healthcare Act. Learn the differences between the two and who is covered…. The Affordable Care Act (ACA), of 2010, or Obamacare, was the most monumental change in US health care policy since the passage of Medicaid and Medicare in 1965. Government control over doctor … Opponents of Obamacare claimed the legislation would destroy jobs. Many of these people were unemployed or had low-paying jobs. Most people think it only affects health insurance, but it has changed the way the U.S. delivers health care overall. Before the ACA, some people with chronic health problems ran out of insurance coverage. According to a Centers for Medicare and Medicaid Services press release from 2017, Medicare beneficiaries have saved over $26.8 billion on prescription drugs under Obamacare. For many people, the Affordable Care Act was one of the first opportunities they ever had to be able to obtain health insurance. However, before deciding if Obamacare is the ultimate solution to the challenges that face the healthcare system in the United States, it is imperative to evaluate its merits and demerits. The Affordable Care Act may seem to have many benefits, but the cons of it are looming underneath the surface. The legislation can be amended, and budget decisions can affect how it’s implemented. The positives of Obamacare, the minimum benefits package and more prescription coverage, do not outweigh the negatives, which include rising costs and a shortage of doctors. The goal of Obamacare is for people to be insured year round. Obamacare repeal would be negative for anyone currently benefitting from the key provisions in this legislation. Another con of ObamaCare, ACA, is that 26 states have opted out of the State-Run Exchanges or plan to do so. They include the employer mandate to pay the insurance fee for the employees, which will be in effect from 2016. Applying for Medicare can be an exciting but also a confusing process…, Medicare and Medicaid are very different government insurance programs in the United States. As with any legislation that impacts a household’s finances, there are individual winners and losers. The ACA also aims to prevent insurers from making unreasonable rate increases. The Pros of Obamacare. It was meant to protect the people against insurance strategies used by insurance companies to restrict care or drive up costs. Some people think it’s intrusive for the government to require health insurance. Here’s a look at some of the pros and cons of Obamacare. President Barack Obama signs the Patient Protection and Affordable Care Act at the White House on March 23, 2010. The wealthy are helping to subsidize insurance for the poor. Telehealth can help you meet with your rheumatologist and keep up routine visits. WP Engine. 1. Some of those risks include: 1. Under the president's plan, the Affordable Care Act health insurance marketplaces will be open from Feb. 15 to May 15. 1. Insurance companies can no longer maintain a preset dollar limit on the coverage they provide their customers. Is a Breast Cancer Gene Test Covered by Insurance. © 2005-2021 Healthline Media a Red Ventures Company. ACA supporters argue that not having insurance passes your healthcare costs on to everyone else. The ACA website had a lot of technical problems when it was first launched. List of Unbiased Pros of Obamacare. This has caused premiums to rise for a lot of people who already had health insurance. The ACA is subject to changes every year. In 29 states plus the District of Columbia for which statistics are available, the increase is expected to be 8.2 percentversus the 10 percent historic annual increase typical prior to the passage of the bill. The number of full-time jobs has gone up in recent years, but there are still reports of businesses cutting hours from employee schedules. Hospitals, doctors, businesses, and consumers all expect their taxes and health costs to rise under Obamacare. You may also have noticed that premiums have gone up for your business and that you now have to cover employees in a way that you didnt have to under old regulations. If you own a business. That's possibly because spending on negative messages about Obamacare has exceeded spending on positive messages by 15 to 1. More than 16 million Americans obtained health insurance coverage within the first five years of the ACA. Insurance coverage isn’t free by any means, but people now have a wider range of coverage options. List of Pros of the Affordable Care Act. Alyene Senger is a research assistant for Health Policy Studies at The Heritage Foundation. As a result, there are frequent calls for the ACA to be repealed or overhauled. With all the many benefits that have come from the Affordable Care Act, aka Obamacare, there are also some negative aspects of the law. There is still much room for improvement. Disadvantages of Obamacare. Our website services, content, and products are for informational purposes only. While many Americans may se… 1. In order for Obamacare to successfully work there must be more doctors or a more efficient way of dealing with the increased number of patients (Feldman 2011, 113-122). Conservatives objected to the tax increases and higher insurance premiums needed to pay for Obamacare. Advantages and Disadvantages of Obamacare. List of the Pros of Obamacare. The act aimed to provide affordable health insurance coverage for all Americans. The Affordable Care Act (ACA), also known as Obamacare, was signed into law in 2010. Recent events have changed this fine, and beginning with the tax year 2019 it will be eliminated. Obamacare barely passed Congress in 2010. Pros: Subsidies offer financial help 2 Subsidies make purchasing health insurance less expensive for those who qualify. Obamacare explained in a nutshell is this: the average American stands to gain the most from the ACA. Obamacare has not stopped the stampede of rising health care costs. Instead of “bending … Additionally, many lo… Experts say name-brand drugs are the primary reason for higher prescription prices. 1  Three years after it was approved, 54% of Americans opposed the Act. Your view of the pros and cons of the Pa tient Protection and Affordable Care Act (ACA, commonly referred to as Obamacare) may depend on your political preferences and the role you believe the federal government should play in providing healthcare access for Americans. Experts say they're encouraged by the downward trend in COVID-19 cases, but they remain concerned about a new surge. There are many people in America that feel the Patient Protection and Affordable Care Act of 2010, has done more to hurt American citizens than it has to help them. There are many reasons that America has adopted the Patient Protection and Affordable Care Act as something positive and sustainable. The term "Obamacare" was first coined by critics of the former president's efforts to reform health care, but then, the name stuck. It raises federal spending by about $2 trillion when we're nearly $20 trillion in debt. Find out when to add one to your…. It Takes Longer To See Your Family Doctor Some communities are seeing wait times of up to 6 months in order to see a doctor for routine needs. Even over a decade after it was first passed, Americans largely approve or disapprove of the … The ACA promised to make prescription drugs more affordable. These usually have low copays or deductibles. Below is a list of the pros and cons of Obamacare presented in an unbiased manner. They said this was because the illness or injury occurred before you were covered by their plans. Most insurance companies wouldn’t cover treatment for these conditions. Talking about the health insurance plans, a plan that lately got attention is “The Affordable Care Act (ACA)” which is sometimes called Obamacare act. Your email address will not be published. Under the ACA, you can’t be denied coverage because of a preexisting health problem. Some economists, however, predict that in the long term, the ACA will help reduce the deficit and may eventually have a positive impact on the budget. In recent years, the enrollment period has also been shortened to between November 1 and December 15. The number of prescription and generic drugs covered by the ACA is growing every year. Young adults make up a large percentage of these newly insured people. 2 Benefits and 2 Disadvantages of the Affordable Care Act While the Affordable Care Act has benefited the American people in various ways, there are still some issues that need to … If you’re uninsured and don’t obtain an exemption, you must pay a modest fine. Others couldn’t get decent health insurance because of a preexisting medical condition, such as a chronic disease. A preexisting condition, such as cancer, made it difficult for many people to get health insurance before the ACA. Since its enactment, numerous claims have been made on both sides of the aisle regarding the ACA's success or failure; these views often c … Some couldn’t work because of a disability or family obligations. 1. Often referred to as “Obamacare,” Republicans have since promised a “repeal and replace” mechanism to get rid of this healthcare law. Diagnosing Four Pros and Four Cons of Obamacare Penn economists and policymakers diagnose the Affordable Care Act as the federal insurance exchange ended its first sign-up effort. All rights reserved. Prescription Drug Prices in the U.S. Are Twice as High: Here’s Why, Don’t Watch Your Mouth. We've explained what you need to know about Medicare Part C. Here's help to understand what it covers, plan options, enrollment requirements…, Medicare is the U.S. health insurance program for people 65 years old and over. Not All States have Expanded Medicaid. Swearing Can Actually Be Good for Your Health, Here’s Where COVID-19 Cases Are Rising and Falling, How Biden’s Plan to Reopen Obamacare Markets Will Help in COVID-19 Pandemic. Obamacare has received praise and criticism in equal measures since its inception. These plans offer services that Medicare doesn't. 8. Using swear words can have a wide range of positive effects on your well-being, including pain relief and helping you cope with emotionally…. If you’re uninsured and don’t obtain an exemption, you must pay a modest fine. Obamacare's negative impact on young Americans is just one of many reasons the law should be repealed. Changes in the healthcare field, along with changes to the political makeup of future presidential administrations and Congress, make it likely that the ACA will continue to change for years to come. These Obamacare pros and cons show that there is a balance to find in this idea. THE PROS AND THE CONS OF THE AFFORDABLE CARE ACT (OBAMACARE) The Affordable Care Act, commonly known as “ObamaCare”, is national health law which provides mandatory health care coverage to Americans who do not have or cannot afford health insurance coverage. Insurance companies must now spend at least 80 percent of insurance premiums on medical care and improvements. Aside from the impact of Obamacare on individuals. It allows citizens with low income to obtain health care affordably, hence the name of the act. The Pros and Cons of Obamacare 763 Words | 3 Pages. After years of discussions over the inadequacies of health insurance and health care costs in America, the advantages of Obamacare passage in 2010 were sizable. The Obamacare also known as the Affordable Care Act signed into law in 2010 aimed to provide affordable health coverage to all Americans. They also think it may have negative effects on the quality of care. Unfortunately there is a darker side to Obamacare that seems to have been a bit overlooked. Pre-existing conditions will still be covered, and Obamacare will also bring an end to gender discrimination. Healthline Media does not provide medical advice, diagnosis, or treatment. The ACA was also designed to protect consumers from insurance company tactics that might drive up patient costs or restrict care. What You Need to Know About Insurance Copays. 2  Donald Trump took actions to weaken it, and Congress made failed replacement plans. Many states claim that this is a cost-cutting measure, but the truth is much more complicated. For example, a diabetes screening and early treatment may help prevent costly and debilitating treatment later. Also, the implementation of the 80/20 rule means 80% of your premium dollars is spent on healthcare instead of administrative costs.. Preventive care 3 All qualified health insurance plans must provide 10 essential health benefits.These benefits … Here are facts to help you decide. These pros and cons are based on the whole of society and may not reflect the exact experiences of specific individuals. by Areeba Hussain / January 28, 2018. Taxes were also increased for people with high incomes. What Is a Rheumatologist and When Should You See One? In fact, the number of negative messages conveyed to Americans regarding the act is 15 times more than the positive messages. What You Need to Know About Medicare Part C, What to Expect During a Telehealth Visit for Rheumatoid Arthritis. Insurance companies set limits on the amount of money they would spend on an individual consumer. Obamacare has been a very hotly debated healthcare topic, of late. The hope is that if you’re proactive in your healthcare, you can avoid or delay major health problems later. On the price ratio With the Obamacare health insurance, healthy, younger and richer (those with a decent job) individuals will pay more, while unhealthy, older and poorer ones will pay less. Healthier consumers will lead to lower costs over time. Obamacare: The Pros and Cons Revealed Obamacare is a hot topic up for debate and not only with the republicans and democrats. The website problems were eventually fixed, but many consumers have complained that signing up for the right family or business coverage can be tricky. The Affordable Care Act (ACA), of 2010, or Obamacare, was the most monumental change in US health care policy since the passage of Medicaid and Medicare in 1965. 21 Pros and Cons of Barack Obama’s Presidency Jul 10, 2019 Jul 10, 2019 by Editor in Chief Barack Obama won the 2008 presidential election in the United States, becoming the 44th President of the country and the first African-American to serve in office. The Cons of Obamacare. Here are the advantages and disadvantages of Obamacare. businesses will see significant changes in the way that they offer health insurance and the type of coverage that they offer. Many of these its opponents point to it as prime examples of the legislation not working out properly. These states want the federal government to run their exchanges for them. Many people still have no idea what Obamacare actually is or what it does but it seems to be disliked by a lot of people. Business with 50 or more full-time employees must offer insurance or make payments to cover healthcare expenses for employees. Since its enactment, numerous claims have been made on both sides of the aisle regarding the ACA’s success or failure; these views often colored by political persuasion. The ACA covers many screenings and preventive services. Many people, particularly senior citizens, are unable to afford all their medications. Pro: Although most people will pay more for health insurance, the average annual increase of private health insurance premiums under Obamacare has proven to be lower than the average annual increase prior to the implementation of this program. By reducing hours, businesses are able to get by the 30-hour-per-week definition of a full-time employee. The ACA has been highly controversial, despite the positive outcomes. 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