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SpinDistribute.com Article Directory

The following article was published in our article directory on August 27, 2014.
Learn more about SpinDistribute Article Distribution System.

The Ways The Affordable Care Act Changed Every-bodies Health Insurance

Article Category: Finances

Author Name: Tim Thompson

President Barack Obama introduced the 2010 Affordable Care Act, which was aimed at changing health insurance in the US. The Act altered the health insurance marketplace. As a result of the bill, there are numerous Americans who receive better care along with saving money on medical insurance. There has been ongoing, ambivalent arguments in Congress about Obamacare.

Some of the changes that Obamacare has brought are the following:

No Cost Preventive Care
Recently, there were a lot of employers and other insurers began creating employee wellness programs. The goal was to offer health screening and health improvement, without charging the employees. The extra costs of being unhealthy were bad for the person, the employer, and the insurance company.

After the launch of Obamacare, each health plan is mandated to provide in-network check-ups for children and adults. This preventive care is provided at no cost to each person. That motivated people to get preventive and annual checkups.

Young Adult Insurance
Before Obamacare, kids were removed from parents' health plans, when they reached 19 to 23. The only deviation was if the young adult was disabled or a full-time student. A few of them were covered by companies, but in 2012, 2 of 5 young adults that were within the age of 19 and 25 were not insured.

Currently, under the Affordable Care Act, a young adult, younger than 27, can remain or return on their parents' plan, despite the fact that they are financially independent, married, or not living with the parents. All insurance plans are mandated to provide maternity coverage, so there are no interruptions in coverage if the young adult conceives while still on the parents' health insurance plan.

Annual and Lifetime Benefit Restrictions/Limits
Health insurance companies used to decline to deal with people having existing health conditions. This prevented the 20 % of the people that made up 80 % of health care costs, from obtaining coverage. The insurers also installed dollar restrictions on yearly and lifetime claims. This constrained people with constant health problems or costly medical needs from receiving effective care without encountering large medical charges.

Now, the Act has outlawed lifetime and annual limits for essential health benefits on all health plan. The elimination of these limits ensures that everyone with medical insurance will have the ability to get the best care possible and know that their out-of-pocket costs will be very affordable.

Cost Regulations
In the past, America used to pay over $8,000 per person on medical care every year. This is at least twice as much as every other industrialized country, and nearly 18 % of our nation's GDP.
Obamacare attempts to manage health care costs in two ways. The first method to control costs is that all health insurance company is required to send rate increases of greater than 10 % for review by the state and federal government.

The second cost control method is that Obamacare necessitates all health insurance companies spend at least 80 % of individual premiums and 85 % of group premiums on medical services (this is the Medical Loss Ratio). If insurance companies spend less than that amount, they must return the difference to every policy holder the following year. During the first year of these Medical Loss ratio reimbursements, 2012, insurers returned nearly $1.1 billion to 13 million policy holders. Therefore, health insurers are compelled to reduce premiums or lessen rate increases, or they could end up paying rebates each year.

Obamacare has been a boon for many people, in regards to health care and health insurance coverage. The main people who are experiencing a bumpy ride are the medical insurance companies.

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