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The Affordable Care Act

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by

Schuyler Wright

on 23 September 2013

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Transcript of The Affordable Care Act

Main Arguments of Proponents and Opponents
Opponents:
The ACA gives too much authority to the federal government in terms of relations with the states, corporations, and the private lives of citizens.
Worries about increasing costs and deficit.
The government cannot force Americans to purchase health care.
One step closer to socialism
Proponents:
Health care needs to be expanded and democratized.
The ACA will not increase the federal deficit or costs of care.
The ACA does not overstep the powers of government by infringing too far on private matters.
Calm down; we have lots of socialist controls.
Controversy
The act was very controversial and extremely difficult to pass.
It has provoked opposition from conservative groups, congressional Republicans, the Tea Party, and many states, especially those with conservative governors and legislatures.
2011: "Repealing the Job-Killing Health Care Law Act" was passed in the House but vetoed in the Senate. One of 31 repeal attempts.
National Federation of Independent Businesses v. Sebelius
June 28th, 2012
The Supreme Court upholds most of the law.
The individual mandate is constitutional
States do not have to participate in Medicaid expansion
North Carolina is not expanding Medicaid
Issues of Federalism with the ACA
The ACA proposes an expansion of Medicaid that enforces specific medical standards which states must meet before they can receive funding for health programs.
Other federal initiatives, such as No Child Left Behind, use similar provisions to gain state compliance.
How far can the government extend conditions required for grants before "coercing" the states?
Liberal View
Over all, the ACA is a good idea.
Assuring equality is an important function of government, and the act helps make healthcare more accessible to a greater number of Americans.
Of course, the act isn't perfect. There will be bumps in the road, just like with any kind of new or groundbreaking public policy.
Provisions
Establishes the National Prevention, Health Promotion and Public Health Council to decrease chronic diseases and promote community prevention services
Children cannot be excluded from insurance plans due to preexisting conditions; adults with preexisting conditions can join a temporary "high-risk" pool of applicants for care.
Dependents may stay on parents' plan until age twenty-six
Insurers must spend 80 to 85 % of "premium dollars" on health costs, leaving only 20 to 15 % for administrative costs.
Creates "insurance exchanges" in which people can compare insurance rates and benefits from different plans
"Individual mandate" that requires everyone to purchase care.
Affordable Care Act
Reasons for passing this legislation
1. Stronger consumer rights-
End to Preexisting condition discrimination
End to limits on care
End to coverage cancellations
2. More affordable coverage-
Value for your premium dollar. (80/20 rule)
Stopping unreasonable rate increases
Small business tax credits
3. Better access to care-
Free prevention benefits
Coverage for young adults
Coverage for Americans with preexisting conditions
Affordable insurance exchanges
4. Stronger Medicare-
Lowered cost of prescription drugs
Free preventative services
Fighting Fraud
Improving care coordination and quality
Providing choices while lowering costs
Passed March 23rd, 2010
Conservative View
Libertarian View
Federal and State Issues with the ACA
Has the Affordable Care Act been effective?
The Affordable Care Act includes a
10 % sales tax on
indoor tanning beds
The ACA has not been in effect very long and many of its provisions have yet to be enacted. Only time will tell whether it's a success or not.
State:
Controversy involving expansion of Medicaid
Worries about loss of jobs due to changing insurance standards
Issues with bureaucracy and state control of marketplaces
Federal:
Questions regarding the reach of the federal government in terms of health care and involvement in the private lives of citizens
Controversy over the Individual Mandate
Worries over increasing costs and the federal deficit
The Affordable Care Act uses their tax dollars to supply health care for all Americans
New taxes are being formed to pay for care.
Government-run universal health care leads to inefficiencies
The ACA will eventually fail.
Federal Mandates Project
By: Alisha Anaya, Hannah Schmitt, and Schuyler Wright.
The mandate to purchase insurance is merely a subsidy for large insurance companies.
Requires U.S. residents to buy a prescribed health insurance policy or pay a penalty
Insuring more people means more consumption of medical costs and a higher demand. Meaning higher prices
Full transcript