Is Health Insurance Ever Going to Be Perfect?

Hearing the words “Obamacare” and “Affordable Care Act” strikes confusion into the minds of many Americans as the quest for the best health insurance plan continues for many.

People hear these terms and how health care and health insurance will be affected, but often times the outlook and options are misunderstood. The public wonders if health insurance will ever be perfect and what their coverage will look like in a few years.

Health insurance has become a challenging thing for many individuals and families.

As the following article wonders, are “Health insurance premiums likely to rise in 2015?”

Do we know what’s coming? What exactly is the Affordable Care Act and who is covered?

We see many news articles regarding the ACA and changes to look out for. Some of it can be quite confusing.

Affordable Care Act

Obamacare and the ACA (Affordable Care Act) are one in the same.

It is all about government laws on health care reform in an attempt to try to provide more Americans with affordable health care.

Healthcare So that this plan can reach all Americans, some of the initiatives cover preventive services and immunizations at no out of pocket costs, covering dependents up to age 26 (this gives young adults more time to find jobs, get post-secondary education and their own coverage while staying under their parents’ coverage), and providing assistance to those with preexisting conditions that are having trouble finding insurers. Out of pocket expenses will have a cap on them as well.

Changes are still happening with these programs, though many of them became instilled in 2014.

For instance, in 2015, small businesses will have to provide coverage to full-time workers if they employ a certain amount.

Will Everyone Really Be Covered?

Amongst the latest news of the world, the public often hears of the high numbers of Americans still struggling with health care.

According to a report from thinkprogress.org, more than 9 million people who were previously uninsured have received coverage through Obamacare.

Unfortunately, millions of Americans are still left uncovered, including many poor blacks, low wage workers and single mothers, mostly in Southern states.

According to a New York Times piece, these people live in states “largely controlled by Republicans that have declined to participate in a vast expansion of Medicaid, the medical insurance program for the poor, they are among the eight million Americans who are impoverished, uninsured and ineligible for help.”

Because states have chosen not to expand Medicare coverage, the subsidies are not reaching the huge numbers of people with low or no incomes are being left out of the health care system and the ACA.

Unfortunately, the real issue is that many of those who need the most help are those being left out.

Statistics in the above article are showing that it’s even more than the 8 million cited, but closer to 14 million people who live in poverty and still have no health care.

 

About the Author: Heather Legg is an independent writer covering topics on health care, education and small businesses.