The Patient Protection and Affordable Care Act, often known as the “Affordable Care Act” was enacted in 2010 (hereinafter referred to as “ACA”). The law extends certain health and medical benefits, mostly at the cost of the State. It contains provisions
The public shall receive preventive care without bearing any cost.
An insurer cannot charge more or decline any application for insurance by a pregnant woman.
Insurers are no longer bound by an upper ceiling of corpus dedicated for essential health insurance expenditure.
Transparency in rate revision exceeding 15% of the existing plan.
Prohibition on insurers from canceling insurance on suffering from medical ailments.
The ACA also permits the insured to choose a medical practitioner of his choice. The law further confers the right to appeal against a health plan decision taken by an insurer. Additional coverage options like contraceptives and birth control counseling are available for women as a part of the package without additional cost.
Health Insurance Under the ACA
Though the ACA brings about various benefits, the plan did not go as planned. A vast number of Americans got themselves insured, but the coverage did not peak. The uninsured rate was at 10.9% in 2019, i.e., about 28.9 million citizens did not benefit under the ACA.
on improving the health delivery mechanism, targeting lowering of costs, and improving quality. The ACA operates on the infrastructure laid by the erstwhile legislations but overhauls the system concerning individual insurers. The key feature of the ACA is that it prohibits an insurer from quoting different prices for people belonging to different demographics or with varying pre-existing conditions, excluding the age criteria.
After a saga of deliberations for nearly a decade, Congress accepted the ACA in December 2009 after introducing the Bill by U.S. Politician Charles Bernard Rangel in the House of Representatives. However, the law became operational in March 2010 only after adopting the Health Care and Education Reconciliation Act changes. The Act became popularly known as “Obamacare Law” after the signing authority, Honâ€™ble President Barack Obama.
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