Since then, there have been several attempts to erode the ACA through less straightforward methods. In summer 2017, the last feasible congressional attempt to repeal the Act was defeated. It took a while for people to start accepting such a big policy change, and for insurance companies to start making money, but the benefits consumers began to see, swayed public opinion in favor of the law. And while there were growing pains at first, costs for many people are now holding steady or even dropping. Small businesses receive tax credits to help cover the cost of employer-provided insurance.Īt first, the possibility of increased insurance premiums concerned many Americans. Employer-sponsored coverage: Large employers must provide health insurance to their employees.Additionally, children may stay on their parent’s insurance plans until age 26. Child services: The ACA mandates all children under age 18 must receive healthcare coverage, including oral and vision care.Cancelling coverage: No insurance company can cancel a person’s coverage, except in cases of fraud.Annual and lifetime caps: Insurance companies cannot enforce annual or lifetime benefit caps on any of the 10 essential health benefits.States that approved the Medicaid expansion receive federal funds to cover most of the cost of Medicaid expansion. The expansion covers people with incomes below 138% of the federal poverty line. Medicaid expansion: The ACA expanded Medicaid, a federal and state program that provides health insurance to low income individuals and families.offer health insurance through their own exchanges. Most states use the marketplace at, but 21 states and Washington, D.C. Subsidies depend on how their income compares to federal poverty guidelines. The government also subsidizes healthcare marketplace insurance plans for qualifying individuals and families. The healthcare marketplace offers insurance coverage for those without employer-sponsored healthcare, or for those who prefer to purchase their own insurance. Healthcare marketplace: The ACA created state-based healthcare exchanges, or the healthcare marketplace, for consumers.People living with conditions like Gaucher disease benefit tremendously from this clause. ![]() Preexisting conditions: Insurance companies cannot deny coverage or price gouge plans for individuals with preexisting conditions.Pediatric care, including oral and vision.Preventive care, wellness services, and chronic disease management.Rehabilitative and habilitative services and devices.Mental health and substance use disorder treatment.First, the ACA names 10 essential health benefits insurance plans must cover: ![]() Several key components to the ACA mean millions more Americans receive health insurance coverage and access to the healthcare services they need. At its heart, the idea behind the ACA is to expand health insurance coverage using public options at both the federal and state levels. The Affordable Care Act addresses several key issues, including health insurance coverage, preventative care, coverage for preexisting conditions, and healthcare costs. For more information about healthcare legislation, NGF explains what is healthcare legislation? ![]() During our conversation, we discover how the ACA helps people living with Gaucher disease and other chronic illnesses-and what we stand to lose if the ACA is repealed. She is a counselor and patient advocate with over 30 years’ experience studying policy and managing insurance coverage. In this month’s podcast, we speak with Claire Sachs, author of The Patient Advocate’s Chronicle. New efforts to strike down the entire ACA in court are underway, and so far, they’ve been successful. Now, less than 10 years later, 54% of all Americans believe the government should provide a national health insurance program, according to a CNN poll.īut once again, the ACA is under fire. When the ACA was first enacted, many Americans didn’t consider healthcare to be a fundamental human right. The Obama administration signed the ACA into law on March 23, 2010. The legislation was first introduced and approved by a Democratic congressional majority. The Affordable Care Act (ACA) represents one of the most substantial changes to our nation’s healthcare policy since the creation of Medicare and Medicaid. How Repealing the ACA Could Impact the Gaucher Disease Community
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