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Obamacare: Healthcare Coverage and Pre-Existing Conditions Creative Writing

… The law also purports to play a role in simplifying the CHIP enrollment process.

Having shed some light on the provisions of the PPACA Act, let's now revisit the issue of "pre-existing conditions" bearing in mind that it was an emotive subject of debate in health care debate in the United States in 2009 and 2010 with majority of people opposing its exclusion by insurance industries and preferring its subsequent ban. Pre-existing condition is a medical condition that occurred before a program of health benefit comes into effect. Based on this definition, it is evident that "pre-existing condition" clause serves no purpose than rationing health care. Regardless of the definition which insurance companies give, "objective standard" or "prudent person," rationing of healthcare is still evident.…. [read more]

Pre-Existing Condition and Denial Research Paper

… Rockefeller IV and President Obama stated that beginning in 2010 that insurance companies "will be banned from denying insurance coverage to children with pre-existing conditions." (New York Times, 2010)

The New York Times report states "The authors of the law say they meant to ban all forms of discrimination against children with pre-existing conditions like asthma, diabetes, birth defects, orthopedic problems, leukemia, cystic fibrosis and sickle cell disease. The goal, they say, was to provide those youngsters with access to insurance and to a full range of benefits once they are in a health plan." (2010) However, according to the report "To insurance companies, the language of the law is not so clear. Insurers agree that if they provide insurance for a child, they must…. [read more]

Why Is Covering Pre-Existing Conditions Important to Health Care Policy? Essay

… Pre-Existing Conditions and Health Care Policy

Pre-existing condition is a health condition that client had before he enrolled in an insurance plan. Many insurance companies across the country can deny coverage to people with pre-existing conditions or for that particular condition. Pregnancy, for example, if seen as a pre-existing condition and while a person may coverage for other health issues, she may be denied coverage for her existing pregnancy based on pre-existing clause. This problem affects millions of Americans and each year, a large number of people find themselves without insurance coverage due to some existing health issue. But denial, which works well for insurance companies, hurt those with chronic or prevalent conditions like heart diseases which affect 1 in 3 Americans. [1] It is…. [read more]

Affordable Care Act of 2010 Essay

… Although today Romney shies away from discussing that healthcare legislation -- he wants to appeal to the Tea Party and to conservatives by opposing Obama's plan, which is nearly identical to the one he got passed in Massachusetts -- the fact is the Massachusetts health plan -- passed by a Republican governor in cooperation with a Democratic state legislature -- is still in place in that state and it is very effective, according to objective news reports.

Gruber (National Tax Journal) reports that in fact there has been "…a dramatic expansion of health insurance coverage" in Massachusetts. One survey shows that there had been a "60% decline in the uninsured since 2006"; but in contrast, during that time the national population that was uninsured rose…. [read more]

In Favor That Pre-Existing Conditions Should Affect the Availability or Cost of Health Insurance Essay

… ¶ … Pre-Existing Conditions to Affect the Availability and Cost of Health Insurance

The insurance industry is an industry based upon risk analysis. Sometimes the insurer's risk analysis can create unfair conditions for the insured, even though such a calculated approach is necessary to sustain the industry as a whole. Take, for example, the field of car insurance. Based upon his or her demographic characteristics, a young male will often pay a higher premium than someone not in those high-risk categories. Even if the teenage boy is a good driver, the insurance company has the right to discriminate against him based upon perceived risk, as determined by actuarial tables. Similarly, health insurance companies can -- and must -- have the right to make similar risk…. [read more]

Affordable Care Act Impact on Businesses Term Paper

… Affordable Care Act is being rolled out at this time and will have been completely rolled-out by sometime in 2014. Under this Act, employers over 50 FTEs will be forced to either provide adequate and affordable health care coverage for their employees or pay a responsibility fee. The company needs to examine our options, both from a financial perspective and from a recruitment and retention perspective when weighing which of these options is best for our company. Other issues include the creation of health care exchanges - something from which we might benefit, and the ways that the ACA will affect the industry. The way that insurance companies respond to the Act could affect us, in terms of either the premiums we are asked to…. [read more]

Affordable Healthcare Act Obamacare Term Paper

… Obamacare

While both President Bill Clinton and President Barack Obama held office, there was a major debate regarding healthcare policies. At a time when people are living longer, it is evident that healthcare is of utmost pertinence. Although the policies that President Clinton and President Obama implemented were at different time spans, the policies implemented were utilized to answer the need of a crying people who without the policies would not receive healthcare. Just the other day as I perused in Wal-Mart, I observed an older couple counting their money in order to have enough to pay for a prescription. It was heart-breaking and made the facts that will later be mentioned regarding healthcare surreal to me. Below, I will go into grave detail regarding…. [read more]

Affordable Health Care Act/Obama Research Paper

… There are also substantial benefits to the seniors in the context of New York City. This is because of the facilitation of the medication processes and costs by the federal government through the Patient Protection & Affordable Care Act of 2010 or Obamacare thus putting money into the pockets of the seniors.

This is an essential approach towards the improvement of growth and development indicators in the city. According to the survey following the implementation of the Patient Protection & Affordable Care Act of 2010 or Obamacare by the President and the Congress, approximately 2.5 million young adults have health insurance coverage. Majority of these young adults emanate from New York City thus an improvement towards enhancing healthcare services while minimizing the cost of procuring…. [read more]

Patient Protection and Affordable Care Essay

… The act will promote and implement innovations for the training of the health workforce. It also includes the recruitment of new workforce and setting up of new workforce commission. The available workforce will be retained as the new workforce comes on board to supplement the available.

Another part of the act is that which will ensure transparency and program integrity. Under this, the health program will provide information to the public on the health systems available and in addition promote implementation of new set of requirements to curb fraud and abuse in both private and public programs (Wolper, 2004). The workforce will be trained on effective patient handling measures that will increase the trust of the patients in the healthcare providers.

However, there is nothing…. [read more]

Uninsured Population Insurance Premiums Budget Research Paper

… The Census Bureau released a report in 2011, showed a 1.6% decline in the uninsured employees that age from 20-25. In term of number the 1.6% is a small figure but it accounts for 393,000 people insuring themselves in just over a year's time. Another report showed that out of the 4 million businesses that were offered the insurance program, almost 175,000 claimed it. (Blendon, 2010)

Insurance Premiums:

The second important impact of the PPACA Act was on the insurance premiums. Through the PPACA Act the insurance companies were ordered by the state to charge less premium amount on the policies in order to encourage people buying the insurance policies. In order to cover these insurance companies, the state had given subsidies. The insurance companies…. [read more]

State Health Care Reforms Essay

… The Employer Fair Share Contribution was $295 per employee paid into the Health Safety Net Trust Fund.

Impacts of ACA on the State of Massachusetts

In many ways, the ACA was based on Massachusetts model and was used as a guiding force in the development of those federal reforms. The ACA did modify Massachusetts' health care reform laws in many ways that were similar to the other states of Vermont and Maine. The application of these new requirements forced the local government to make changes to its rules and laws that were in compliance at a national level.

As a result of the ACA, the MassHealth program had to restructure its categories of coverage to align with federal guidelines. This included reshuffling economic dividing lines…. [read more]

Political Structure in Obamacare Essay

… Some political analyst believed that the president had an excessive amount of power in the earlier part of the presidency because the president is a democratic president and the majority members in congress were democratic. The president had the power to persuade congress into passing a bill, without careful analysis and this can be considered unconstitutional. Utilizing the judicial review power to look at the process of the bill becoming a law, is the final step in the checks and balances.

In the recent case 26 states, some individuals and the National Federation of Independent Business were plaintiffs against the ObamaCare law. The judge wrote 78 pages of carefully reasoned argument, using previous court cases, decisions and constitutional laws to declare this law unconstitutional. Today…. [read more]

Patient Protection and Affordable Care Research Paper

… While federal government has the capability of maintaining deficits, states do not have this luxury. They have to balance out their budgets, so the PPACA is likely to present Since states are required to balance their budgets and not maintain deficits like the federal government, this will present an untenable affliction on spending costs (Owcharenko, 2005).

For a little over two years now, the PPACA is a law, with several intricate provisions addressing increased access to overall healthcare. Incrementally, the cost containment and improved care quality will be placed throughout various stages over the next decade. Health care administrators must comply with all elements and provisions listed in the PPACA law, so as to guarantee optimum patient care and ensure compliance with laws that affect…. [read more]

Affordable Health Care Act Impact Thesis

… By law, persons who for religious or other reasons are unable to join these schemes are exempted. According to Scott (2013)

, it is this duty of individuals that makes universal coverage possible. Without this legal mandate, a large number of persons who are healthy would not see value in risk pooling and thus would not enroll for insurance coverage. Similarly, private health insurance would not eliminate discriminatory pricing that favor the healthy individuals. Private insurance providers cannot protect themselves from adverse selections since they have a duty to provide insurance to all individuals.

As suggested by Genevieve et al. (2012)

, the ACA is basically a three-legged stool that connects the broken ties between employers, private health insurers and individuals. The first stool leg…. [read more]

Affordable Care Act a Current Essay

… Also, hospitals nationwide will be paid based on the quality of care they deliver, not just on the "quantity of care provided" (White House). It will be easier for healthcare organizations to coordinate the care needed by patients through the "Accountable Care Organizations" established by the Act (White House).

What are the Arguments for and against the Law?

It should be noted that this legislation passed through the House of Representatives with no Republican votes. It passed the U.S. Senate with no Republican votes. The arguments against the legislation were several; the opponents of Obama and of the legislation attacked the Act: a) the legislation is socialized medicine; b) the legislation is a government takeover of healthcare; c) Obamacare will increase the national deficit; d)…. [read more]

Healthcare Reform Ways the Healthcare Reform Bill Thesis

… Healthcare Reform

Ways The Healthcare Reform Bill May Affect The Average American

Many of those who disagree with the proposed Healthcare Reform Bill actually agree that America's current health care system needs reform. Amidst concerns and challenges that counter and compliment the contemporary health care reform bill being considered by Congress, one primary question arises, the primary question this mixed methods research paper addresses: How may the current proposed Healthcare Reform Bill affect the average American?

In addition to accessing information through the literature review, this study conducts a 15 question survey via a questionnaire the researcher created. Ultimately, as the research paper answers the primary research questions and three relevant sub-questions, it stimulates more questions regarding the proposed Healthcare Reform Bill that only time,…. [read more]

Health Care Industry in America Essay

… American physicians feel that American health care does not work well and needs rebuilding (Blendon, 2001).

From the consumers' point-of-view, there is a great deal of dissatisfaction in the quality of health care (Davis, 2006). A variety of studies have revealed that U.S. consumers are not satisfied with the quality of communication between themselves and their physician especially in regard to making health care decisions but the one area where American consumers express satisfaction in is the area of the timeliness of their treatment. Here Americans were satisfied in their ability to see a specialist or obtain elective surgery but they still complained about being able to readily obtain care on nights and weekends.

The overall level of dissatisfaction and the empirical evidence that seemingly…. [read more]

Healthcare Canada Essay

… ¶ … Health Care Systems

Comparison of Canadian and American Health Care Systems

The purpose of this paper is to examine the relative merits of the Canadian and American health care systems in an attempt to determine what the future of health care might be in the United States. The present system is dying under the weight of increasing costs and limited access and cannot long continue as is it presently formulated. As the United States is one of only a few nations still operating under a system where the costs of health care are shouldered by employer-based insurance plans it is time to examine the American system of health care and this paper will attempt to consider the options.

Table of Contents


Introduction…. [read more]

Overwhelming Connections Between Healthcare Costs Term Paper

… This is largely due to the change in incentives and compulsions to get insurance. Approximately 800000 fewer people will join the workforce (compared to the baseline scenario of no healthcare reforms) by 2021.

There were three broad mandates introduced through Obamacare healthcare reforms. These were that employers are now mandated to offer health insurance to their employees or face a penalty. The second mandate was that individuals should obtain coverage or face penalty in form of fine. The third was that public insurance was heavily subsidized. In a study by Kolstad and Kowalski (2012), the researchers studied the impact of mandate-based health reforms and expansion in subsidization of public insurance programs in Massachusetts and throughout the U.S. Employer sponsored health insurance was not part of…. [read more]

Seniors in Healthcare Research Paper

… Affordable Care Act (ACA), signed into law by President Barack Obama in March, 2010, is -- objectively speaking -- the most comprehensive social reform law passed since the Civil Rights Act, the Voting Rights Act, and Medicare, all enacted in the 1960s. The reform legislation is aimed at the whole country but senior citizens in particular are impacted. The legislation holds insurance companies accountable (ACA prohibits companies from dropping your coverage because you get sick or because of a pre-existing condition); it allows young adults to stay on their parents' plan until they are 26; it makes healthcare affordable and prohibits insurance companies from putting a lifetime limit on the amount of coverage an individual can have. Those who cannot afford coverage (by 2014 all…. [read more]

Obama Care Plan Health Term Paper

… According to Congressional Budget Office the plan will help reduce deficit by a startling $138 million over ten years (Health Care Reform, 2012). Although the statistics are subject to debate but the new plan ensures that costs are not distributed evenly but the plan actually helps in curbing the overspending crisis currently present in this particular industry. By cutting on the deficit our modern citizens can use money from bank at lower prices and bridging the deficit will help in improving the economic and employment status in the country.

Another extension of this argument is that Obama's plan helps curtail overpayment to insurers. In Bush's administration overpayment was of such nature that insurers were being subsidized for which the economy got nil benefits in return.…. [read more]

Students Complete a Policy Analysis Essay


Regarding the provision of healthcare, America is far from the envy of the world. "50% of U.S. personal bankruptcies are due to medical bills...Great Britain, Japan, Taiwan, Switzerland and Germany -- spend roughly half as much on health care as the U.S. spends, and have better outcomes" (Swenson 2009). Not all countries are completely nationalized -- some have private insurers, but private insurance companies are prohibited from profiting from basic care. All have mandates that citizens must buy health insurance, and provide financial support for citizens who cannot afford to do so.

The U.S. stands alone in the design and the waste generated by its healthcare system, and cannot afford to do so. The ACA was a step in the right direction to expand…. [read more]

Health Care Blog: "Alycia-Care: Peace Essay

… Her mother described Avey in the video, saying that Avey loves "music, she loves art, she is active and she's been so strong through all of this. She is amazing, amazing, she takes her medicine and goes to the clinic and goes through the procedures without a fuss."

Avey has what is called Acute Lymphoblastic Leukemia (ALL), which is a rapidly spreading kind of cancer that attacks the white blood cells. The white blood cells are the ones that fight disease (the red blood cells carry oxygen throughout the body), so when the Acute Lymphoblastic Leukemia kind of cancer hit the white blood cells in Avey's body, it could have killed the little girl if she had not received the treatments (which are really expensive).…. [read more]

Healthcare Reform Initiatives in California Term Paper

… The point of programs like this isn't just to use state and federal money to help those who can't help themselves vis-a-vis health care coverage; it is to "…decrease the hospital emergency room use," according to the California Healthline (November 5, 2012). The LIHP program is only available to people without children whose income is less than $7,500, the California Healthline explains. Interestingly, when presidential candidate Mitt Romney spoke about why he would like to remove the Affordable Care Act from federal law, he said there is a healthcare service that is available to everyone everywhere -- the emergency room.

Other recent health reform initiatives signed into law in California include: a) AB 1453 (protects consumers from "junk insurance" and requires insurers to offer "minimum…. [read more]

Health Care Past, Current Research Paper

… On page 155 Sultz explains that the university medical facilities were given federal grants to research "causes of death: heart disease, cancer, and stroke." By the early 1980s, thanks to taxpayer dollars, the federal government had helped increase the number of bona fide medical schools to 127, and though these medical schools were valuable to Americans, their services were 20% to 30% more expensive than other hospitals (Sultz, 156). By 1980, about 37% of the total income that supported medical schools in America came from "faculty practice plans" while federal research grants contributed around 19% of the income that kept the medical schools fully functional (Sultz, 156).

Today's Health Care Issues

When candidate Barack Obama ran for the presidency of the United States, one of…. [read more]

Impact of Rising Health Care Costs Everyone Pays Term Paper

… ¶ … Rising Health Care Costs - Everyone Pays

Usually, when rising health care costs are discussed, it is the employees or the end users that are the ones caught up in the price. However, from an employer's point-of-view these costs can also be very problematic. For this reason, it is important to look at the issue from a labor economics standpoint. Some of the information regarding this issue will be presented in table form throughout the paper in order to show as much information as possible in a small amount of space and allow for a thorough discussion of the issue at hand.

Within the field of labor economics it is important to note that unions have a generally positive influence on both the…. [read more]

Universal Health Care Essay

… According to CNN, 49.9 million people, or 16.3% of the U.S. population lack health insurance, (Christie, 2011), a circumstance which many people see as a national disgrace.

Providing universal health care would also encourage patients to practice access preventive care. Many Americans who are uninsured or who have insurance but face high deductibles forego doctor visits for minor health problem or preventive medicine. This results in health problems that could be caught at an early stage or prevented altogether going untreated until they become major health problems. With universal health care, routine physicals and mammograms are just two procedures that could prevent major problems and save lives (Messerli, n.d.).

With universal health care, people with pre-existing conditions could get health coverage. Also, people would find…. [read more]

Public Health Service: A Renewed Research Paper

… S. Constitution thereby making it mandatory for individuals to purchase health insurance. The Individual Mandate provision of the PPACA (P.L. 111-148, PPACA) requires all Americans must purchase healthcare insurance policy from 2014 or face a federal penalty. The U.S. Supreme Court stroked down the individual mandate provisions stating that they violated the Commerce Clause. The court held that the Individual Mandate under the current provisions is unconstitutional. Another blow to the ACA provisions was that the Supreme Court stroked down the requirement for states to participate in Medicaid expansion or their Medicaid funds will be withheld by the Federal government. The Court held that the provision is an overreach by the Federal government. The Court held that the participation in the Medicaid expansion shall be…. [read more]

Healthcare Reform Research Paper

… ¶ … president's agenda on social issues, specifically health care reform. A majority of the public supported health care reform when the president was elected, but there has been no significant plan that has been approved in Congress, and neither side seems to want to budge. The country needs a plan that the Congress and the people can agree on, and it needs to happen as soon as possible for the president to maintain his credibility.

Today, health care reform is not the top priority it was when President Obama took office. People are worried about the economy, their jobs, their home values, and many are just worried about putting food on the table. However, the Democrats promised health care reform, it has fallen apart…. [read more]

Varying Differences of Universal Health Care Capstone Project

… ¶ … Universal Health Care

This project explores several published articles that report on results from research conducted on Online (Internet) and Offline (non-internet) on the benefits of Americans receiving/participating in Universal Health Care (UHC). The articles, however, vary in their definition in implementing UHC. The Democratic government suggests that UHC is more effective than Private Insurance Carriers (PIC), and advocate the use of supplementary coverage for the millions of previously and otherwise rejected un-insurable Americans. Other articles define UHC differently and therefore, offer different results?

This project examines UHC research in relation to several other research articles to suggest that all areas of UHC should be studied in order to fully understand how UHC will influence (impact) and better the lives of all Americans,…. [read more]

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NOTE:  We can write a brand new paper on your exact topic!  More info.