If you choose not to get yourself involved in politics and find it completely frustrating to keep up with both the Democrat and Republican parties, you are just like more than half of the Americans living in the United States. Fortunately, we live in a democratic country and our voices will be heard if we put enough effort into what we believe in. Even though the government went as far as shutting down earlier today because of disagreements regarding ObamaCare, another term for the Patient Protection and Affordable Care Act of 2010 (PPACA), we as citizens cannot ignore this crisis and should understand all of the facts before making our opinions. Instead of reading through the thousands of pages to understand the ObamaCare Bill, here are list of beginners tips which will hopefully bring a better understanding to such a popular discussion:
- How does ObamaCare affect me? For starters, PPACA is a national health care plan designed to reform the American health care system by expanding Medicaid and Medicare. The main focus is to provide more Americans with access to affordable health care, improving the quality of health care, regulating the health insurance industry, and reducing spending in health care.
- I already have insurance, what now? Majority of Americans will not need to pick up health insurance on the exchanges. According to The U.S. Census Department, 15 percent of Americans (over 45 million) are without health insurance. Most Americans will have to purchase health insurance by January 1st, 2014 or pay a fee on their year-end taxes.
- How much will it cost and can I afford it? Depending on the state you live in, the prices of coverage vary. There are four tiers of coverage; bronze, silver, gold and platinum. The bronze coverage is the cheapest with less coverage and higher co-pays. For example, the cheapest bronze coverage can be found in Oklahoma where it will cost $105 per month; the most expensive bronze coverage is found in Wyoming where it will cost $271 per month. Financial support, based on income, is available from the federal government that will help balance the cost.
- Will I be charged if I already have a pre-existing condition? No because one of the main functions of the Affordable Care Act (ObamaCare) is to ensure that people with pre-existing conditions are not only able to receive health insurance but that they can do so at a reasonable price.
Next time you hear your neighbors, co-workers, or family members yelling at each other over the republican or democratic parties, or just politics in general, you will be able to engage in a new conversation about the Affordable Care Act. It is not only important to each individual, but it will eventually change society and healthcare laws in the United States.
Whether or not you research this bill and find yourself questioning it, or loving it, Barack Obama is doing everything in his power to try and pass this Bill by next year so that the 44 million Americans without healthcare now, can purchase it in an affordable manner.