Health Insurance: Unnecessary Or Necessary?

Improved Essays
Before 2014, people were not required to have health insurance. When the Patient Protection and Affordable Care Act, ObamaCare, passed it seemed like a good idea because of all the advertising of “low-cost insurance”. For parents and adults, it sounded good because they were already working and afforded insurance. However students are forced to pay thousands of dollars in college finances therefore paying for health insurances that will be used 2-3 times a year is unnecessary. This fall I began my first semester in college and thought that being a college student would extend my medical services. I recently turned 19 years old and my first present was a letter notifying me that I was no longer eligible for Medicaid. Instead of taking away all

Related Documents

  • Improved Essays

    Hc1 Unit 1 Research Paper

    • 763 Words
    • 4 Pages

    Health Law’s Eight New Changes HC1: In September of 2010, under the implementation of the Affordable Care Act, the government made eight new changes to its health laws (Carey, 2010). These changes have affected Americans in different ways, depending on the insurance coverage that each individual has (Carey, 2010). The ACA included changes such as raising the age requirement for children on their parent’s insurance plan to twenty-six, prohibiting insurers from denying children coverage due to a pre-existing medical condition,, and prohibiting insurers from canceling an individual’s coverage due to sickness (Carey, 2010). Insurers also cannot charge co-pays for preventative services such as cancer screenings and the individuals get the right to choose their primary physicians and specialists, not the insurer (Carey, 2010).…

    • 763 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    Interestingly, by cross referencing the legislative clauses against current fiscal and population data values evidence of the core problems this initiative hoped to address can be identified. For instance, the first provision within the ACA requires all U.S citizens to have health insurance, but prior to 2010 44 million American did not maintain consistent coverage (Kaiser Family Foundation, 2016, p.1). Studies have shown that uninsured individuals are less likely to have a primary physician, therefore, relying typically on the emergency room for care (DeMichele, 2016a, p.1) . In addition, these individuals frequently do not practice preventative care, nor do they receive medical attention in a timely manner (DeMichele, 2016a, p.1) . These contributing factors have increased the likelihood of death in uninsured Americans by 40 percent, equating to as many as 45,000 deaths per year (Cecere, 2009,…

    • 723 Words
    • 3 Pages
    Improved Essays
  • Improved Essays

    In 2010 the Affordable Care Act became one of the most talked about pieces of legislation that has brought many mixed reviews. Healthcare is a necessity that each of us need to maintain our lives. While we have an excellent source of healthcare service in the United States, it’s the access to that healthcare that has been a problem for many American’s. There are countries that have already turned to government healthcare. The Affordable Care Act was designed to help each of us have the access to Health care that we have not been able to afford in the past.…

    • 1011 Words
    • 5 Pages
    Improved Essays
  • Superior Essays

    Similar to Canada’s health care system, President Barack Obama implemented the Affordable Care Act. The Affordable Care Act provides Americans with affordable and quality health insurance. To make health care more affordable in the United States, the legislation includes new benefits, rights and protections, rules for insurance companies, taxes, tax breaks, and funding (Affordable Care Act Summary). I believe that the Affordable Care Act, also referred to as Obamacare, is beneficial for Americans of the middle class. With the Republic party looking to repeal the ACA in 2017, one can realize the benefits the legislation had on the upper-middle class, middle-middle class, and lower-middle class Americans.…

    • 1207 Words
    • 5 Pages
    Superior Essays
  • Improved Essays

    Affordable Care Act Dbq

    • 769 Words
    • 4 Pages

    With the inauguration of President Barack Obama in 2009, one of his primary goals was expanding health insurance. Although this drew praise from Democrats, Republicans were very concerned about the potential creation of a welfare state. Thus, the fight to implement the Affordable Care Act became a long, drawn out battle that it still being debated today. The concerns over government intervention, effectiveness, and solvency both explain why it was so difficult to pass the ACA and why it is difficult to pass social programs.…

    • 769 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    The Affordable Care Act, also known as Obama Care, is a government decision to expand health coverage to all. Services like vaccinations and Medicare, preventive care, will become free. Medicaid, for lower income individuals, will cover all low-income individuals in all states. This sounds pleasant and hopeful, but how we get there in 2019 may create a different tone. This bill will also make health coverage much more affordable for the working middle class.…

    • 415 Words
    • 2 Pages
    Improved Essays
  • Superior Essays

    Then they were told that they could not keep the old plan and would have to sign up for a new plan. Their monthly premiums went up $400.00 a month and their deductible went from $2500.00 a year to $12,000 a yr. Their son went to the Emergency room and on the old plan it would have cost $1200.00 but under the new plan she received a bill for over $6000.00. Another couple, she had lost her medical insurance one year before she was eligible for her retirement benefits. Her husband was already receiving his retirement benefits but with no medical coverage.…

    • 1663 Words
    • 7 Pages
    Superior Essays
  • Superior Essays

    Homeless • Utility company sent you a shut-off notice • Flood, fire or other disaster causing damage to a home • Recent victim of domestic violence • Ineligibility for Medicaid because state didn’t expand Medicaid • Health insurance was canceled for reasons other than nonpayment of premiums, and the plans offered in the marketplace are…

    • 1310 Words
    • 6 Pages
    Superior Essays
  • Improved Essays

    Before 2010, millions of Americans suffered from the issues of not having health insurance. The Affordable Care Act, also known as Obamacare, was signed into law with high hopes of reducing the number of uninsured by making health insurance available to all U.S. citizens regardless of having an employer or not and living with a pre-existing condition while reducing additional healthcare spending outside the deductibles and premiums. Even with the best intentions to solve the problem of uninsured Americans, another problem surfaced from the Act, the cost. Since the current Federal Health care system burdens millions of Americans with unaffordable cost, which are caused by rising prices in pharmaceuticals, hospital care, and inadequate health…

    • 825 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    Obamacare: A Case Study

    • 758 Words
    • 4 Pages

    Health care spending may still be seen as excessively high for some but with the ACA, more citizens now have affordable health care and can seek medical attention. The quality of care is on a rise with the health of America. Even though Obamacare is seen as a waste of time or in a negative aspect to some, mostly the upper class individuals, it is beginning to turn around the health care system one day at a time. The policy of Obamacare is pushing the U.S into more of a universal type of health care, which could potentially benefit all Americans and improve the health of the…

    • 758 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    Since the Affordable Care Act, more people are eligible for health insurance. Before the ACA it was hard for individuals to get health care coverage, unless through an employer. The benefits of the ACA, is that it covers preventative screenings, which cause insurance deductibles to rise to cover the cost. ACA not only have higher premium cost, but also led to higher deductibles or out of pocket costs. During the ACA, people can no longer use the pre-existing condition clause, young adults can stay on parents’ insurance until the age of 26, and citizens are required to get health insurance or risk getting a tax penalty.…

    • 212 Words
    • 1 Pages
    Improved Essays
  • Superior Essays

    The Affordable Care Act

    • 1327 Words
    • 6 Pages

    The Patient Protection and Affordable Care Act or more commonly known as Obamacare, was implemented on March 23, 2010. The Affordable Care Act is meant to “provide affordable, quality health care for all Americans and reduce the growth in healthcare spending, and for other purposes” (“Health Care Reform Timeline”). The plan is to reform and rebuild the national health care system. The health care system must be reformed because millions of people are without health insurance since it is too expensive. Many drug prescriptions are not affordable, leaving many people without the proper treatment.…

    • 1327 Words
    • 6 Pages
    Superior Essays
  • Decent Essays

    Personal Choice Not everyone believes in medical doctors or pharmaceutical medication. Reasons can vary, depending on religion beliefs, personal preferences etc. Yet, in 2010 President Barack Obama passed a bill, most known as ObamaCare in which obligates you to be medically health insured. While you have a choice to decline, it does come with consequences.…

    • 293 Words
    • 2 Pages
    Decent Essays
  • Great Essays

    The right to affordable health care is as sacrosanct as the right to be free, if not more. The most important issue is making medical care a right for everyone at an affordable price. American health care has an insurance-based system; thus, to get affordable and efficient medical help, you should be insured. Currently, there are about 44 million uninsured Americans. According to Elizabeth Bradley, the author of the book The American Health Care Paradox, the paradox of today’s system is that “United States spends so much on health care but continues to lag behind in health outcomes” (33).…

    • 1634 Words
    • 7 Pages
    Great Essays
  • Improved Essays

    Healthcare Expensive Essay

    • 1122 Words
    • 5 Pages

    “An estimate done by the Census Bureau’s, said that thirty-three million Americans lacked health insurance in 2014 reflects a significant and welcome drop from the forty-two million it reported as uninsured in 2013,” said Dr. Robert Zarr, president of Physicians for a National Health Program, today (More Americans gain health coverage, but many can’t afford to use it: doctors group). In this time of rising health care costs, a great amount of Americans experience troubles or difficulties paying for needed health care services. With the costs that are expected to continue rising, changes happening to private insurance plans and public…

    • 1122 Words
    • 5 Pages
    Improved Essays