Health Care Utilization

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Health Care Utilization

The Patient Protection and Affordable Care Act otherwise known as “Obamacare”, was signed into law in 2010. It was implemented to make health insurance more affordable to people and to increase access to a more affordable health care insurance. Although it works through the existing health care industry, it is still a political target from both ends of the political spectrum. The conservatives prefer to remain silent and not have any involvement into the health care system. The liberals that do agree with the health care reform do not like the “Obamacare” because the for-profit insurance company model stays the same instead of a single payer system administered through the government.
Implementation of Obamacare “Obamacare” was rolled out to be spread over several stages rather than being rolled out at once. After the signing of the law, certain parts of the law was implemented. A couple of those changes implemented as part of the law are children remaining on their parents insurance until age 26 and people not being denied insurance coverage due to pre-existing health conditions. The expansion of access to health care was also written into the law. This mainly referred to the younger adults whose income was too low to be able to afford health insurance and for those people with chronic health issues in which pre-existing caused them to be denied new insurance plans. The individual and business mandates and the state insurance exchanges went into effect in 2014. The state insurance exchanges allowed people to purchase health insurance coverage as part of a larger group in their state in which rates are reduced. To help cover cost of premiums, lower income families were eligible for government subsidies. This allows the lower income families to have increased access to health care so that they are able to…...

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