What Everyone Needs to Know About the Affordable Care Act
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- Patient Protection and Affordable Care Act - Wikipedia.
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- What is in Obamacare for you?.
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Older Americans not yet eligible for Medicare, many of whom will be able to get much more affordable coverage? Medicare beneficiaries?
Low-to moderate income individuals and families? People with pre-existing conditions? As a former insurance industry insider and now a recognized expert on ObamaCare, Wendell Potter is perfectly positioned to explain to a wide audience, hungry for the real story without the spin , of just what this health care overhaul means for all of us.
While poorer Americans benefit from Medicaid and subsidies for the purchase of insurance on exchanges, the individual mandate imposes burdens upon the young who, while healthy, are typically less wealthy than older Americans. Each of these other regulations has to work for community rating to survive. At least one of them is failing for economic reasons: the individual mandate.
Obamacare: Has Trump managed to kill off Affordable Care Act?
As a result, some healthy individuals are deliberately choosing to pay the penalty and avoid insurance pools. The result is a vicious cycle of rising insurance premiums as more and more healthy low-cost consumers drop out of the market. This dynamic is partly responsible for the double and even triple digit increases in premiums on ACA insurance exchanges.
Another regulation is failing for political reasons. Insurers who attracted more sick enrollees than expected would be covered against those losses.
Obamacare: What's in It for Me?
In theory, this should have made them less likely to discourage sick patients from enrolling. Unfortunately, losses ended up being larger-than-expected because fewer healthy people enrolled. As a result, the federal government accrued a larger bill that has so far gone at least partly unpaid. In any event, the risk corridors program was designed as a temporary measure, not a permanent solution to the problem of encouraging insurers to enroll the sickest patients.
Repealing the ACA wholesale would leave tens of millions of Americans without insurance coverage. We are hard-pressed to find anyone who thinks this would be good news.
What is in Obamacare for you? | halcoachiosewe.cf
Reform should focus on making health insurance more attractive to healthy consumers, and simultaneously making sick consumers more attractive to insurance companies. And, we still have a long way to go when it comes to leveling the health insurance playing field for poorer and more vulnerable Americans.
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