Affordable Care Act

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Affordable Care Act

The Affordable Care Act also known as Obama Care is the most significant health care legislation enacted since the beginning of Medicare and Medicaid forty five years ago. The Affordable Care is one that is very confusing and least understood. I think most Americans understand that all Americans will need to get health insurance in some way, but Americans don’t really know much else about this law. This act will not benefit everyone, however those who were previously uninsured or underinsured will benefit the most from the act. Also, those previously denied health coverage because of a pre-existing health condition may now be insured.
While the Affordable Care Act is a federal law, the details of how it’s implemented are much left up to the local state government. Many Americans will not benefit from the Affordable Care Act because they fall under a coverage gap meaning that they live in states that do not have expanded Medicaid coverage, they make too much money to qualify for federally sponsored insurance, or they not old enough to qualify for Medicare yet. Nationwide about three million uninsured adult Americans fall into the coverage gap, because local state government decisions not to expand Medicaid, meaning their income is above current Medicaid eligibility but below the lower limit for Marketplace premium tax credits. These individuals would have been newly eligible for Medicaid had the local state government chosen to expand the Medicaid coverage. Most Democratic governors have built their own state exchanges, expanded their Medicaid programs, and are devoting intense effort toward making the Affordable Care Act work. Their efforts have been proceeding relatively smoothly. GOP led states, on the other hand are mostly leaving it up to the federal government and have not expand the Medicaid coverage thus creating the…...

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