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Affordable Care Act (Obamacare)
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Affordable Care Act (Obamacare)

 What exactly is Obamacare? I have been wondering about it lately and decided to do some researching.

It is scary on so many levels when someone without insurance needs medical care. It is extremely expensive. The new health care laws require all people who can afford to take responsibility for their own health care to do so, by getting coverage or paying a penalty.

You can save money depending on your income and family size. You may be able to lower your costs on your monthly premiums when you enroll in a private insurance plan. The plans cover essential health benefits and pre-existing conditions.

If you do not sign up for “Affordable Care Act” and you don't have any health insurance, you will be forced to pay 1% of your yearly income or $95 per person for 2014. The fee (penalty) will increase every year.

On a side note, even if you pay the fee (or penalty), that doesn't mean you have any health insurance coverage after the enrollment time has passed. You are still responsible for 100% of the cost of your medical care. You will have until March 31, 2014 to make your decision. After that, you will not be able to get the health insurance until the next enrollment period.

To avoid the fee in 2014, you need insurance that qualifies as minimum essential coverage. You are to be covered by any of the following, incuding any employer plan (such as COBRA), with or without “grandfathered” status. This also includes retiree plans.

  • Medicare
  • Medicaid
  • The Children's Health Insurance Program (CHIP)
  • TRICARE (for current service members and military retirees,
  • their families, and survivors)
  • Veterans health care programs (including the Veterans Health Care Program, VA Civilian Health and Medical Program (CHAMPVA)
  • Spina Bifida Health Care Benefits Program
  • Peace Corps Volunteer plans

I have some issues with "Obamacare." On one hand, many of my friends who don't have insurance are thrilled that now that they will be able to have it and are looking forward to going to doctors. On the other hand, it puts pressure on the middle class. From everything I read about the premiums, costs will go up compared to what some individuals are paying at present, and then there is the worst part of all. People are being forced to pay for health insurance. And yes, I believe everyone should pay something, but I'm not a big fan of the government forcing people to do things.

Those are my concerns. What are yours?

 

 

Photograph by Becky F

Leave a Comment

  1. Wheelzup
    Wheelzup
    I'm in good shape when it comes to my coverage as it's already in place. About the only thing that would change that is Medicare running out of funding. However I have seen its effects in my family, in particular my sister who works at a fabric store. Her hours have been cut back to 29 a week. This isn't really all that fair since the only way the law wasn't deemed illegal by the Supreme Court of the United States because they said it was a tax that congress passed on to the entire country. I don't know if there is a provision in it stating that once you leave congress you have to find your own insurance again. If it's not in there it should be.
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  2. Tara Richardson
    Tara Richardson
    I agree with you Wheelzup. I am fortunate as I have insurance but know a lot of people who could not get it because of pre-existing conditions/ disabilities,cancers and such. Thank you for sharing your views
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  3. Daniel Andrei Garcia
    Daniel Andrei Garcia
    I'm not an American but I am also following this topic. In my own outside personal opinion, it's a bundled piece of legislation that wants to achieve so much and has therefore garnered a lot of opposition. The republicans have a point the democrats have a point. Voted, thank you for the very well researched post.
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  4. Broken English
    Broken English
    Voted. I have been wondering what Obamacare is too, so thank you for this most informative and comprehensive article. I am not American either so this doesn't affect me, but I agree with you that people should not be forced to take out health insurance. We are so lucky here in the UK, with our National Health Service. Btw, you might be interested in my latest blog here, Dog On Hind Legs Pushes Man in Wheelchair Through Flood, which features an amazing video!
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  5. daslichtquant
    I'm a paraplegic cancer survivor and I couldn't get affordable coverage before the Affordable Care Act (aka. Obamacare). The only solution before A.C.A. was the CA HIPPA coverage at $25,000 per year with a $10,000 deductible. I didn't go through the government website, but I did sign up for Kaiser coverage in California. It is not the cheapest but I wanted to guarantee coverage for myself and my wife. I suspect that we will all be struggling with the details and paying too much, until we all figure out the right path. I think that the income subsidy will help a lot of us. I think that the failures of the website are shameful, they were not prepared and the design is busted.
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  6. pftsusan
    pftsusan
    Thank you for sharing. Voted. Things about Obama Care that are both good and bad is that it is managed care. It's everyone working together for the patient. Some of the drawbacks are that the physicians have to be participating in the same HMO network. When one physician refuses to have another physician on the team, he or she will have a hard time getting them out of their leaving the patient to be the victum. Bottom line, patient or patient's family has to fix this up. Then we got Govertment Shutdown who put this off for another year.... Then this is magaged through the banks of our Country. Then we have how much has to be paid into it and what they are going to do with medicare and medicaid patients. These are all the cons.... The pros are that the teams are together and working together for the patients. They might get to the point to hopefully there will be more coverage. As in what the Veteran's administration does.
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  7. beckthewreck
    You assume that a person will be responsible for the full cost of any medical expenses should they not have insurance. That is not true. The Affordable Health Care Act does not change or negate the law which requires all hospitals to provide basic health care and aid to anyone who walks into the facility. The people here without permission will still not have insurance and will still go to the ER for colds, flu, and other problems and receive treatment on our tax dollar. Read the Affordable Health Care Act.......all 900 pages. I did.
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