The Affordable Care Act

The Affordable Care Act

The Affordable Care Act

The Affordable Care Act (ACA) or Obamacare is a federal statute in the United States that was signed into law by president Barrack Obama on March 2013. The Act was enacted to increase the quality and affordability of health care, lower the rate of uninsured by expanding insurance coverage and reducing the cost of healthcare in all institutions.

In addition, the Act requires all insurance companies to cover all applicants and offer the same rates irrespective of the pre-existing conditions, race or sex. The broad market reforms outlined in the Act were effective on January 2014. People purchasing insurance in the public market are guaranteed of coverage of pre-existing conditions, and their premiums are not varying on the basis of gender or medical history. Therefore, the ACA helps to improve health standards and increase the affordability of all citizens in the US.

The ACA has transformed the health insurance landscape of America. Hence, many Americans are currently receiving healthcare and increasing the value of their healthcare dollar. Therefore, there have been major changes in which the nation’s health has been moving into place. The first open enrollment plan under the Act is at its end. Many Americans are looking for laws to assess the law and its implementation. Of particular interest is ways in which people who are previously insuring take new coverage options. There have also been changes in ways which the employer-based insurance are important because many people took their coverage in this way (Guest, 2013).

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In summary, the counseling of insurance and doubling of premiums has discouraged the public. This has been an indirect way of increasing cost since small farmers pay high premiums which make them feel oppressed. Hence, the government should lower the premiums for low-income citizens and increase the affordability of health services.

American Nurses Association. (2014). Health Care Transformation: the Affordable Care Act and More. 24.

Baicker, Katherine, & Chandra, A. (2014). The Consequences of the Growth in Health Insurance Premiums. American Economic Review, 95.

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