four components of healthcare 1
FourComponents of Healthcare
The Obamahealthcare bill focuses on reforming the insurance sector to cover asmany people as possible. Specifically, the bill targets Medicaid andMedicare with the aim of providing affordable care to low andmid-income earners. The strategy follows a public outcry that low-class members of the society have been marginalized, thus find itdifficult to access healthcare services due to related high costs.This paper seeks to discuss how the bill affects health services inthe United States.
Summary and Description of the Components of theObama Healthcare Bill
The Obamahealthcare act is officially called the Affordable health care act.The components of the bill can be summarized into four parts,consumer protection, quality improvement, the improvement of thequality of health services, and increasing uptake of health services.Most of these features target the low and middle-income people in thesociety.
The concept ofprotection, as used in the context of the healthcare bill, refers topreventing insurance companies from exploiting people. The governmenthas the responsibility of publishing the information of everyinsurance provider online to facilitate better cost-related decisionmaking among individuals (Skinner & Chandra, 2016).
The bill alsoprohibits insurance providers from denying coverage to children below19 years with pre-existing medical conditions. Thirdly, it preventsinsurance companies from revoking contracts based on technical errorssuch as misinformation. Furthermore, insurance organizations cannotimpose lifetime dollar limits on people like it used to happen in thepast.
The Improvement of the Quality of Coverage
One of theapproaches used to improve the quality of healthcare services isproviding tax credits to small companies to facilitate the provisionof health covers to their workers. In this context, people`svisitation to the hospital is not restricted by lack of resources.They can also take some issues to the hospital regardless of theircomplexities (Skinner & Chandra, 2016). This approach wouldreduce self-medication and the related dangers. Likewise, it is arequirement for all new plans to cover various preventive serviceswithout charging co-insurance, deductibles or co-payment. Thegovernment also provides $15 billion funds to facilitate theprevention of diseases and illnesses.
Increasing Access to Affordable Care
The bill achievesthis objective by discouraging the discrimination on people,especially children, with pre-existing conditions among insurancecompanies. Secondly, young adults are allowed to stay under theirparents’ health covers until the age of 26 years (Skinner &Chandra, 2016). Additionally, the bill has expanded the cover forearly retirees to prevent them from using their life saving to accesscare. Lastly, states are allowed to cover as more people as possible.Everything about the Affordable Care Act is meant to encourage asmany individuals as possible to take their issues to the hospitalregardless of their resources. Previously the cost of treatment andmedication prevented people from accessing hospitals. Likewise,families could not facilitate their upward mobility because they usedtheir savings to take care of sick members.
The Improvement of the Quality of HealthcareServices
It is meaninglessto facilitate health care access if the quality of services is low.Therefore, one of the provisions of the act is to build additionalhealthcare centers to avoid overcrowding in the existing ones.Likewise, it also directs the government to employ more professionalsto improve access to primary care. The bill has also enhanced thepayment for people staying in rural areas because they weremarginalized in the past. The plan also supports the improvement ofexisting facilities, including the provision of equipment and staffto enhance the access to healthcare.
The Sponsor, Proponents, and Opponents of theBill
Arguably, thesigning of the Affordable healthcare bill was facilitated byPresident Obama through the Congress. The Bill was also co-sponsoredand supported by a large section of Democrats. It was seen as acritical step towards providing the real change that was promised bythe Obama administration during the campaign. The National Women`sLaw Center was among the special groups which supported and pushedfor the signing of the Affordable healthcare act. They argued that itpromoted health care access among women. The community of health carecenters also supported the Bill on the basis that it allowed them toaddress the needs of many people in the community. The advocates forchildren`s right argued in support of the bill that it would enhancethe access of health care among children from the impoverishedregions. Likewise, it would facilitate the coverage of children withpre-existing conditions, thus reducing preventable deaths and infantmortality. The public, especially the middle and low-income earners,warned the court against scrapping the subsidies because it wouldcompromise the underlying objective of the bill.
Unsurprisingly,most of the people who did not support the bill were Republicans.They were against the prospect of the federal government managinghealthcare because it was one of the six essential features of theAmerican economy. Therefore, they maintained that the Bill would denythe central government the opportunity to control health care as wasthe case in the past. Secondly, they argued that it would compromisethe growth of the economy because employers will hire part-timeworkers instead of full-time employees in an attempt to cut the costof operation. Some theories suggested that the Republicans opposedthe Bill just because it was supported by majority Democrats.Similarly, the Bill was opposed by a substantial number of the ownersof insurance companies. They claimed that the changes such ascovering people with pre-existing conditions would cut theirprofitability and subject them to increased risks.
The Impact of the Bill on Health Care ServicesHealth Care Services
The affordablecare plan has both pros and cons regarding ways it can affect healthcare services. For instance, the subsidies allow healthcare givers toattend to several people regardless of their resources (Bauchner,2016). Several uninsured Americans can still access comprehensive andquality healthcare. Secondly, the Bill supports the expansion ofprimary care through the establishment of new facilities andemployment of more professionals. Likewise, it promotes the coverageof essential health services such as prevention of common diseases.
However, it islikely to force the government to impose a lot of taxes onhigh-income earners to support affordable care access among the manyuninsured Americans. Secondly, it complicates the process of filingtax reports since high-income earners are required to get coverage,pay fees or get exemptions (Day, Himmelstein, Broder, &Woolhandler, 2015). The process of getting an exemption iscomplicated because an individual is required to fill a detailedform. It also means that people would take the time to make decisionssince there are a lot of options. The government is forced to usesubstantial resources to facilitate prevention of diseases andestablish a private health insurance system. The cost of insurance onother people has increased because related companies have to covereveryone, including Children with pre-existing conditions. Thecomplicatedness of the new coverage process is likely to slow downaccess to care. The Bill has already compromised the distribution ofhealth-related resources to rural areas. Urban dweller is relativelymore aggressive than rural residents. As a result, the government hasbeen forced to concentrate in larger towns. The full effect of thechange is yet to be felt in the rural regions.
The AffordableHealthcare Act 2010 is expected to facilitate a coverage ofapproximately 34 million people who were not insured previously.These people were not budgeted because they never visited healthcarefacilities as often as necessary. Therefore, either the governmentneglected them or thought that they did not have pressing care needs.It was anticipated that the health sector would be busy despitehaving challenges. Some people suggested the reform of the industrybefore encouraging more people to access care.
The bill hasresulted in an influx of many people in hospitals despite the lack ofpreparedness in hospitals (Day, Himmelstein, Broder, &Woolhandler, 2015). Therefore, they have been facing challenges indealing with the high number of people in need of health services.The plan has compiled a lot of pressure on the healthcare system. Notonly does the government require healthcare centers to address theneeds of everyone, but also to provide high-quality services. Thegovernment has also insisted on the preventive care services toeveryone. The existing workforce is fatigued and overworked becausesuch demands do not align with the rate of employing more staff.
Bauchner, H. (2016). The AffordableCare Act and the Future of US Health Care. JAMA, 316(5), 492-493.
Day, B., Himmelstein, D. U., Broder,M., & Woolhandler, S. (2015). The Affordable Care Act and medicalloss ratios: No impact in first three years. International Journalof Health Services, 45(1), 127-131.
Skinner, J., & Chandra, A. (2016).The past and future of the Affordable Care Act. JAMA, 316(5), 497-499.