Affordable Care Act Health Plans - The Affordable Care Act supports millions of African-Americans, and starting in 2014, the Affordable Care Act will provide 6.8 million uninsured African-Americans the opportunity to obtain affordable health insurance.
The Affordable Care Act will help make health insurance more affordable and accessible to millions of Americans. For African Americans, as well as other racial and ethnic groups, the bill will address disparities and provide access to quality, affordable health insurance, invest in preventive health care, and give individuals and families more control over their own care.
Affordable Care Act Health Plans
African Americans suffer from chronic pain, heart disease, and diabetes at higher rates than the general population. For example, in 2010, 37 percent of African Americans were obese, compared to 26 percent of whites
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Beginning in 2014, the Affordable Care Act will provide 6.8 million uninsured African Americans with access to affordable health insurance. The following is an overview of the coverage and benefits available to African Americans today that were only made possible by the health care market.
A new report from the US Department of Health and Human Services (HHS) on lower-than-expected premiums in the new Health Marketplace;
A new report released today by the Department of Health and Human Services (HHS) reveals that state by state consumers will see increased competition in the health insurance market, leading to new and affordable choices for consumers. According to the report, consumers will be able to choose from an average of 53 health plans on the Marketplace, and the vast majority of users will have a choice between at least two health insurance companies — usually more. National premiums will also be about 16 percent lower than originally expected — because about 95 percent of uninsured voters live in states with lower-than-expected premiums — before financial assistance is taken into account.
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Our Scorecard is designed for each health care state based on how well it provides high-quality, affordable, and equitable health care. Read the hearing to see what the status of your position is.
In January 2014, the Affordable Care Act opened up access to health insurance for about 30 million people who were previously uninsured. This release summary provides state estimates of the levels of increased demand for physician and hospital services expected to result from expanded access and the sufficiency of existing providers to accommodate the expected increase in demand. We'll see care providers stand out, on average, with 1.34 additional office visits per week, and a 3.8 percent increase in visits nationally. Hospital outpatient departments will average 1.2 to 11.0 additional visits per week, or an average increase of about 2.6 percent nationally. The increase in size likely to be generated by the act of care is LIKELY to have modest effects on the demand for health services, and the existing supply of providers should be sufficient to meet the increased demand.
Passing rules tightening universal coverage on short-term health insurance plans won't increase the number of people without insurance The fate of the Affordable Care Act (ACA) is in doubt as the Supreme Court plans to hear reasons in California v. days after the presidential election. With regard to protections for people with pre-existing conditions (among others) who are at risk, it's worth considering what it was like for people with pre-existing conditions to get insurance before this law.
Before the ACA, health insurance was provided through the individual health market in most states. Applicants who were more dangerous, excluded pre-existing conditions or based other limits on covered benefits on their health status could be denied this. More than 50 million Americans have a condition, such as diabetes or a past heart attack, that makes them "uninsured" in the individual market before the ACA. Taking into account less serious conditions, such as asthma or high cholesterol, more than a million people have pre-existing conditions that make it difficult to get health insurance.
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In 2001, they examined how individual market insurers would handle the claims of people in poorer health. In one scenario, a girl with hay fever was rejected 8% of the time. The vast majority (87%) of carriers accepted premium offers or placed limits on their benefits, including allowing drivers to exclude coverage for their hay fever, prescription drugs or upper respiratory system. In the second scenario, seven-year breast cancer survivors were denied insurance 43% of the time; in 39% of their applications, plans were offered with full premiums or limited to the exclusion of permanent cancer coverage. Another preacher with HIV was rejected 100 times.
In contrast, the ACA prohibits individual market insurers from offering coverage or charging higher premiums based on medical conditions. It also prohibits exclusion periods for pre-existing conditions and requires plans to cover basic benefits. A decade after the passage of the Patient Protection and Affordable Care Act of 2010, it is clear that major health laws have contributed to slower growth in US health care spending. .
The analysis, published in the March issue of the journal Health Affairs, coincides with the 10th anniversary of the law's passage and illustrates how the law affects health care spending, which now accounts for about a fifth of US gross domestic product.
"Several provisions in the ACA increase the cost of cost-cutting," explains lead author Melinda Buntin, Ph.D., the Mike Curb Professor of Health and chair of the Department of Health at Vanderbilt University School of Medicine. "What remains to be seen is whether that will continue."
Employer Responsibility Under The Affordable Care Act
The analysis examines key policy reforms included in the ACA, including Medicaid coverage expansion, Medicare payment reforms, and private insurance market reforms. Extensive studies and evaluations have been conducted regarding the law's effect on national health expenditures, but as of 2010, there are few definitive sources related to health expenditures.
The study, co-authored by associate professor of health policy Dr. John Graves, highlights areas where savings were found, including lower Medicare payment rates and slower growth in areas where insurance exchanges are more competitive.
"Because the ACA has made an impact, it also highlights to us that further action is needed across all sectors and at multiple levels of government to sustain the slower growth rates we've seen since the ACA's passage," Graves. He said.
The biggest savings come from cost-based initiatives designed to encourage doctors and hospitals to provide generous care while keeping costs low.
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“In our view, the increased focus on cost-payment by non-Medicare providers, namely states and private insurers, is likely the main cause of the slower amount of per capita cost growth we've seen over the past decade; ", the study states.
"Disentangling the exact effects of most laws from underlying trends is nearly impossible, but it's also nearly impossible to deny the far-reaching cost effects of the ACA across the health care industry," Buntin and Gravia wrote. "The most politically important examples of the highest health care costs—those caused by new drugs and bill-pulling—are almost identical to the ACA, while the growth of health services in Medicare, Medicaid, and even the Marketplace. The plans seem to consider a 'new normal.' at a slower speed." One of the most popular aspects of the Affordable Care Act is its requirement that all individual and small group health plans (for people who don't have traditional job-based insurance) count. Health benefits such as maternity care, mental health, preventive and pediatric dental care. Members of Congress and the Trump administration have repeatedly proposed legislation that would eliminate or undermine these essential health benefits (EHBs), as they are known.
Learn more about the Trump administration's efforts to expand "short-term" health insurance plans, which would be exempt from requirements to cover essential health benefits.
The EHB is necessary to ensure that everyone in each of several health insurance markets has access to comprehensive coverage that actually covers the services they need. These basic health benefits fall into 10 categories:
How Will The Affordable Care Act Affect The Use Of Health Care Services?
The Affordable Care Act's requirement that basic health benefits be covered without annual dollar limits provides patients with more health benefits and less financial burden. While plans before the ACA announced they covered many of these services, actual coverage was often inconsistent—patients often faced unexpected dollar limits for services technically covered by their plans, leaving them to pay the remaining costs.
In addition, this new definition of coverage included in the ACA allows plans to cover important services not currently covered by many plans:
Americans have been waiting a long time for coverage of the important services they need for their health. Passage of the ACA, which plans to cover these essential health benefits, paves the way for comprehensive health insurance for all Americans. Recent analyzes show that the overall uninsured rate has not changed significantly during the pandemic.
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