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The Latest Challenges of Health Policies under Obamacare

by Gab Billones


Obamacare is probably the most sensational legal reform of the year. With the alleged cancellation of thousands of health insurance plans across many different states, it created a nationwide stir, bouncing up criticisms on the real agenda behind the act. As Obamacare trudges its selfless goal of making sure that all Americans are insured by next year, there can only be two things that could happen – you get insured or you’ll pay for a penalty. The latter is viewed as an option in duress.

123456As stipulated in the Patient Protection and Affordable Care Act of 2010, those health insurance plans that did not offer additional benefits cannot be sold after 2013, despite efforts to make it cheaper. The benefits being referred to could be prescription drug coverage and free medical care as a prevention scheme.

But the fire drew up when initial statements by President Barack Obama that ‘cancellations are far from possibility’ are not holding any water anymore, as attested in the recent pronouncements regarding the implementation of ACA. But Jay Carney justified the cancellations as it could only affect sub-standard policies that could not keep up with the minimum requirements set by the White House.

In the target of the program’s inclusion are the 48 million uninsured Americans. The number created worries on both stakeholders – the government and some insured citizens. In response, the government is being more desperate about taking the implementation to haste, while the 20% insured citizens who are in fear of cancellation fear the risk of losing their liked doctors because of the program’s mandatory expansion.

On the other hand, the ‘grandfather clause’ which coats the cancellation of policies before March 23, 2010 does not have significant effect on the number of people who will have to apply for a company-hosted plan or state-subsidized insurance policies through Medicare or Medicaid.

The rage between the consumers and the insisting government continues to deepen as the disagreement on the mandatory withdrawal from their liked policies worsens. Erik Gordon, a professor at the University of Michigan, stressed the importance of federal officials collaborating with trusted insurers for the better implementation of the coverage shift.

Another dilemma being looked at is the clauses in the law that skyrockets the cost of the health insurance plans. In retrospect, insurance providers are banned from denying coverage that is based on medical conditions. A cap is also set for the amount of expense that the insured will have to spend, aside from the ‘essential benefits’ that include pregnancy-related expenses and treatment for mental care. All of these mandates to the insurers make the health plans a lot more expensive. But citizens are left with little to no less option. Will they have to ditch the expensive plans? Or will they rather pay higher penalties?

The worries of the citizens about getting the same standard of plan like what they had before are left unsolved. But Obama’s optimism remains intact, saying that taking risks are essential in getting a better security forward.


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