Obama Health Care Essay

Pages: 3 (1147 words)  ·  Bibliography Sources: 3  ·  File: .docx  ·  Level: College Junior  ·  Topic: Healthcare

Other reforms in this law include mandated breaks for breast feeding in companies with fifty or more employees, elimination of referrals from primary care physician for gynecological services, smoking cessation coverage and 100% Medicare reimbursement for midwives (Robertson and Collins 2011).

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Perhaps the most controversial aspect of the Affordable Care Act is the individual mandate that requires everyone in the United States purchase health insurance coverage. Proponents of a mandate argue that requiring 'free riders' to join the health insurance system will combat "adverse selection" in non-group insurance markets -- which occurs when a disproportionate number of sicker-than-average individuals enroll in a health plan and incur costs above what the insurer expected. Without a mechanism to prevent adverse selection, these proponents note, insurance market reform is close to impossible. Opponents of the mandate, meanwhile, argue that it infringes on individual freedoms, and that it might force some people to buy purchase insurance they cannot afford. Under Obama Care, most households will have room in their budgets for health insurance premiums and that only 10% of families above the federal poverty line ($10,890 for an individual and $22,350 for a family of four) will need the subsidies (Gruber and Perry 2011). Many poor families do not report all income, especially what they earned in cash, and they borrow from others and use their savings for consumer goods, which leads to the conclusion that most people can afford health insurance (Gruber and Perry 2011). This may well not be true, of course, since the levels of real poverty in the U.S., particularly for minorities, are usually underestimated.

Essay on Obama Health Care in the Assignment

From a moral and ethical perspective, Canada's single payer system is far preferable to the American system based on private insurance. Even from an economic point-of-view, the U.S. spends more per capita on health care than any other Western nation, but has never in its history achieved universal coverage. In Massachusetts and other states that have passed laws requiring the purchase of private health insurance, which is also the core of Obama Care, those in the lower income brackets are supposed to receive government subsidies. In reality, the private insurance companies have been raising premiums on the grounds that they now have to cover the uninsured and those with preexisting conditions, and the individual mandate has meant a considerable boost for their bottom lines. In the U.S., the insurance industry, with its considerable influence in Congress, was also able to block even the semblance of a public option or competing government insurance plan. As of now, Obama Care is awaiting review by the U.S. Supreme Court and the individual mandate may well be overturned. In any case, the requirement to purchase private health insurance was originally formulated by the conservative, pro-business Heritage Foundation, and is far removed from the Canadian single-payer model of national health insurance that most American healthcare reformers have always advocated.


Abrams, M. et al. How the Affordable Care Act will Strengthen Primary Care and Benefit Patients, Providers, and Payers. The Commonwealth Fund, 2011.

Chaikind, H. et al. Private Health Care Provisions of HR 3962. Congressional Research Service, 2009.

Chaikind, H. et al. Private Health Insurance Provisions in PPACA (P.L. 111-148). Congressional Research Service, 2010.

Gruber, J. And I. Perry. Will the Affordable Care Act Make Health Insurance Affordable? The Commonwealth Fund, 2011.

Robertson, R. And S.R. Collins. Women at Risk: Why Increasing Numbers of Women are Failing… [END OF PREVIEW] . . . READ MORE

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Obama Health Care.  (2012, May 7).  Retrieved December 4, 2020, from https://www.essaytown.com/subjects/paper/obama-health-care/4589625

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