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Health Care Law (Obamacare) - Essay Example

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The law provides Americans with new protections, benefits, and rights and make sure most citizens have access to standard and affordable healthcare. The law consists of two…
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Health Care Law (Obamacare)
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Download file to see previous pages This paper will critically evaluate the impact of the new health care law (Obamacare). It will recognize the advantages and disadvantages of the law and its significance in nursing practice.
The new health care law influences the insurance market rules. It affects both the public and private health insurances. Individuals get private health insurance by buying directly or through the employer. The public health insurance consists of Medicare and Medicaid. The concept of grandfathering is utilized to imply that the existing insurance policies would not be affected by new market rules. The act removed lifetime caps in all plans; this is inclusive of the grandfathered plans for all important health benefits stated in the law. The annual limits for group coverage and individual plans purchased after March, 2010 are prohibited starting 2014 (Marcovici, 2013).
The health reform act restricts the percentage of income that should be paid in respect to health insurance. In addition, it gives subsidies to help with the buying of the health insurance. Moreover, it gives cost-sharing help to restrict the out-of-pocket expenditures. The increased premium and choice help ensures that coverage is affordable and available to medium income Americans. The uninsured population of New York is expected to qualify in premium aid and constitute eighty seven percent (Gokhale, Erickson & Lawrence, 2011).
The Obamacare gives Americans a chance to seek medical care early and have access to the physician consultation. This would ensure that the diseases are identified early enough and are cheap to treat. This will cut down the cost incurred in treatment diseases. When more people are insured then, the cost of health insurance premium is reduced because the risks and costs are spread in a large population. In regard to employment, the health reform will ensure that the workforce is healthy that will result to fewer hours lost in absence and hence more productivity. ...Download file to see next pagesRead More
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