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Affordable Care Act

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by

Sarah Lemcke

on 5 December 2013

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Transcript of Affordable Care Act

Affordable Care Act
Conclusion
What is the Affordable Care Act?
Signed into law on March 23, 2010 by President Obama, the ACA will improve health care quality, regulate the insurance industry, and reduce health care costs.
Why the Affordable Care Act is Essential
The Individual Mandate
Requires all American citizens to have some form of health care by March 2014, or they will pay a tax penalty.
Young Adults are Covered
The Affordable Care Act Ensures That Health Care Will Be Accessible
The Affordable Care Act Focuses on Preventative Measures Instead of Treatment*
The Affordable Care Act Helps Curb
Health Care Costs
Health Expenditures Compared to Other Industrialized Countries
The Uninsured
Self-
Employed
Has a
Pre-Existing Condition
Unemployed
Living with a Mental-Illness
Young
Adult
Part-Time Worker
Living in a Rural Area
Near-Elderly
Living with a Disability
Works for a Small Business
If you have a pre-existing condition, you cannot be denied coverage, charged more, or denied treatment under the Affordable Care Act as of 2014.
ACA Supports Women
If you make an honest mistake on the application, you can't be dropped from your insurance company.
Women cannot be denied coverage for gender-related reasons
Maternity care will be required in all plans
Offers preventative services with no cost sharing
Women will no longer be charged more for being women
Otherwise known as
"The Shared Responsibility Provision"
The "What if?" Safety Net: Everyone has the possibility of getting sick or into an accident. The individual mandate keeps health care costs low and affordable for all American citizens, regardless of gender or pre-existing conditions.
The Affordable Care Act is Flexible and Non-Discriminatory
The Patient Protection and
The Affordable Care Act (ACA), also know as ‘Obama Care’, is a national health reformation plan that aims to provide every American citizen with affordable health care.
“No one will go bankrupt if they get sick.” - President Obama
The Affordable Care Act will benefit the people of the American society, and what’s so unique about ACA is that it is very flexible for people, and works with both private and public health insurance. Another aspect of the ACA is Medicaid. Medicaid is provided by the government through the state, and depending on the state; each insurance plan may differ but will benefit for that person.
Goals of the Affordable Care Act:
Contain Health Care Costs
Regulate Insurance Companies
Expand Health Insurance
The Affordable Care Act has a Negative Impact on Jobs and the Economy
Insurance Costs Will Rise
The Affordable Care Act Requires Millions of New Taxes to Operate
The Opposing Viewpoints
$575 Billion Payment
Reductions to Medicare Providers
Medicare Advantage plans will cause more and more physicians to stop seeing Medicare patients, exacerbating access problems.
There Are Not Enough Positions in
a Specific Job/Field
The ACA Cuts Worker's Hours
Insurance companies now have to cover sick people. This means higher health care costs for everyone.


Young adults, who are generally healthy, now must pay whether they want to or not.
Value-based payments, quality reporting requirements, and government comparative-effectiveness boards will dictate how doctors practice medicine.

Nearly half of all physicians are seriously considering leaving practice, leading to a severe doctor shortage. This means less doctors for sick people
Government Control
Over Doctor Decisions
In order to get the money to help insure millions of people, there are new taxes, mostly on high earners.
The Individual Mandate
You must obtain health coverage by January 2014, get an exemption, or pay a fee if you can afford it.


That’s double jeopardy for the president:
The unpopular mandate stands, and it is called a tax.
(And this is only one of the 20 new and higher taxes in the law.)


Either the president admits it’s a tax as a way of keeping the law on the books, or he says that the Supreme Court is wrong, that it’s not a tax, in which case his law would be invalid.
Opposing Views
Negative effect on jobs and the economy.

Insurance companies must cover sick people and this increases the cost of everyone’s insurance.

The Affordable Care Act requires millions of new taxes.
The ACA Ensures That Millions Can Afford Health Care
The Affordable Care Act is Flexible and Non-Discriminatory
Over Time, the ACA Will Cut Billions in Health Care Costs.
In conclusion, the Affordable Care Act will benefit American citizens because it offers peace of mind and security, ensuring that everyone will have an equal opportunity in the pursuit of happiness because their health and well-being will be protected.
The Affordable Care Act is projected to cut the national deficit by over
$200 billion
during its first 10 years and over
$1 trillion
over the next two decades.
This helps offset the up-front cost of the ACA.
The ACA Regulates the Insurance Industry
Insurance providers must prove that they are spending 80-85% of their revenue on health care services (not administration). Any additional money must be refunded.
*Which must be covered in full without any out of pocket costs.
Insurance companies cannot establish a lifetime limit on benefits.
Also, the government will provide tax credits to those who cannot afford to pay for insurance in full.
The ACA standardizes insurance benefits into ten categories, such as maternity care, hospitalization, and chronic disease.

This standardization will upgrade the many sub-standard insurance plans that have caused many American citizens to go bankrupt, even if they payed their insurance premiums on time.
Full transcript