The Patient Protection & Affordable Care Act of 2010
The main purpose of the patient protection and affordable care act of 2010 (PPACA) was to provide and expand the provision of Medicaid and Medicare to all persons in families that earn less 133% of the standards set by the federal poverty level. The PPACA 2010 also intends to provide subsidies to the uninsured, low income population of America. These are individuals who are not given insurance cover by their employers’ health care insurance. The PPACA is meant to enable these low income households purchase health insurance covers from newly established exchanges. Those without medical covers can purchase them from the state based insurance exchange, or they can be eligible within the expanded Medicaid and Medicare guidelines (Hofer, Abraham & Moscovice, 2011).
It has been noted that individuals with health insurance covers tend to make use of health facilities more than those without insurance covers. Various literature reviews carried out by various scholars have come to the same conclusion. There has been a research that reviewed the relationship between medical insurance and utilization of health care by adults and children. The study revealed that individuals with medical cover had a high probability of obtaining any health care service. In addition, a large proportion of them made frequent visits to health facilities. The PPACA intends to make health insurance accessible to everyone to promote the citizens’ accessibility to medical services (Sultz & Young, 2012).
The PPACA law requires that all insurance companies should register and cover all applicants irrespective of the medical conditions they may have. Insurance companies are also required to charge their clients the same amount of premium irrespective of their geographical location and age. The law also stipulates that all individuals not insured by their employer, public insurance programs, or Medicaid and Medicare should purchase and adhere to state sanctioned private insurance or face penalties and legal prosecution. The law expands the eligibility for Medicaid and Medicare coverage to encompass all individuals earning an income of less than 133% in reference to the designated federal poverty level. Small businesses will be entitled to tax cuts if they purchase health insurance covers from the state approved exchange. The law intends to set minimum requirements for health insurance covers and annual and life policies will be abolished (Focus on Health Reform, 2011).
The New York Times has described the law as the most expansive law to be enacted in decades. The paper reported that the law enshrines the fundamental principle that every American should have some form of primary security when it comes to health care (Stolberg & Pear, 2010).
The PPACA law is a big step in ensuring that all Americans get access to reliable and quality medical facilities and services. For a long time, many American citizens have been denied access to medical services by their insurers based on previous medical conditions that they fail to disclose. Insurance companies are out to make profits, as opposed to providing quality medical care to its clientele. The requirement to provide coverage for all individuals irrespective of their medical conditions is a major step in reforming the United States health sector.
The provision offers to expand the coverage of Medicare and Medicaid to individuals in families that earn less than 133%. In addition, there are subsidies offered to the uninsured to purchase health covers. These measures will ensure that many people have access to quality and reliable medical care. The provision required the insurance companies to provide cover irrespective of medical conditions. This will ensure that Americans are not denied access to essential medical services (Focus on Health Reform, 2011).