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Patient Protection And Affordable Care Act

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Public Health
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San Diego State University
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HealthCare Insurance Coverage: Patient Protection and Affordable Care Act
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Course
Institutional Affiliation
Date of Submission

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Background
Prior to the Affordable Care Act, health providers had the option of excluding those with
preexisting illnesses, as they always did. Those with the highest health-care costs would be
forced to go without coverage or accept a package that did not cover a pre-existing illness. As a
result, many people would end in hospital emergency rooms while unable to contribute to the
expenses of their own treatments (Collins & Gunja, 2019). Therefore, Medicaid needed
expansion to cater for other groups such as the childless adults earning below 138% of the
poverty level out of the service bracket (Christopher et al., 2015). Prior to the Affordable Care
Act (ACA), some patients with serious health conditions risked losing their insurance benefits.
Insurance providers had set budgets for how much they would invest on a single customer, thus
limiting the access to services over time.
The Policy, its effects and target population
Obamacare came to be from Obama’s opponents referring to the legislative in the
beginning as critic. According to Blumenthal et al., (2015), on March 23, 2010, President Barack
Obama signed the bill into law, after it was approved on March 21, 2010. The bill has three key
objectives, as per HealthCare.gov: First, to provide more citizens with access to low-cost health
care. The bill extends discounts ("premium tax breaks") to customers with earnings around 100
percent and 400 percent of the federal poverty line, lowering prices. Secondly, to widen
Medicaid so as to include all adults with less than 138 percent of the federal poverty line (Not all
states complied, but Medicaid coverage was expanded) and lastly to enable creative primary care
management approaches that aim to reduce overall health-care costs.
The bill required every individual to have a health insurance. It was a requirement for
most employers to offer insurance coverage to their employees. Individuals could get tax

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1 HealthCare Insurance Coverage: Patient Protection and Affordable Care Act Name Course Institutional Affiliation Date of Submission 2 Background Prior to the Affordable Care Act, health providers had the option of excluding those with preexisting illnesses, as they always did. Those with the highest health-care costs would be forced to go without coverage or accept a package that did not cover a pre-existing illness. As a result, many people would end in hospital emergency rooms while unable to contribute to the expenses of their own treatments (Collins & Gunja, 2019). Therefore, Medicaid needed expansion to cater for other groups such as the childless adults earning below 138% of the poverty level out of the service bracket (Christopher et al., 2015). Prior to the Affordable Care Act (ACA), some patients with serious health conditions risked losing their insurance benefits. Insurance providers had set budgets for how much they would invest on a single customer, thus limiting the access to services over time. The Policy, its effects and target population Obamacare came to be from Obama’s opponents referring to the legislative in the beginning as critic. According to Blumenthal et al., (2015), on March 23, 2010, President Barack Obama signed the bill into law, after it was approved on March 21, 2010. The bill has three key objectives, as per HealthCare.gov: First, to provide more citizens with access to low-cost health care. The bill extends discounts ("premium tax bre ...
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