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Affordable Health Care Act.

Essay By: MorganLitchfield

Strikes down lifetime caps.
preexisting conditions
extends health insurance to americans under 26
holds insurance companies accountable
guarantees more free preventive care
wins savings for seniors

Submitted:Jul 30, 2012    Reads: 182    Comments: 0    Likes: 0   

"We the People of the United States, in order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defense,promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America."

So says our Preamble, but according to the 2011 Census Bureau statistics, in the United States there are 52 million people without medical insurance. This represents 17%of the U.S. population that are certainly not experiencing the "general welfare" offered to us. It is the Governments obligation to help the American people. We are told in the preamble of our very constitution that the Government is there to promote the general Welfare and Domestic Tranquility for the public. Medicare is becoming an obsolete progam that is predicted to run out in our lifetime. But the Affordable Healthcare Act that President Obama signed will help our Healthcare crisis.

Medicare was a well intentioned plan, implemented in 1965, that guartanteed Heath Insurance for Americans sixty-five and older and for younger people who have disabilities. But plans like Medicare will not last long, because there will not be anymore funding for it. With the Affordable Health Care Act, they will not be able to set the limit for healthcare. Here's a few reasons why Obamacare is good for this country. Say a child needs more than one surgery, with the Heathcare plan we have now, they could be half way through their lifetime cap. Obamacare strikes down lifetime caps, allows dependant children to stay on their parents health insurance plan until they are twenty-six years of age, and completely abolishes the issue of pre-existing condition coverage denial. Obamacare also expands Medicaid (medical care for the poor) to everyone (under the age of 65) who has income less than 133% the federal poverty level. And small businesses get big tax credits - up to 50 percent of premium costs - for offering health insurance to their workers.

There are negative aspects of this plan as well, and people have their complaints. Some of the downsides of the Affordable Healthcare Act are that Importers and medical-device manufacturers will pay a 2.3% excise tax. That could discourage those businesses from hiring new workers. And there are also 30.1 million people who currently buy their own private health insurance. Many of them may need to get another plan if their insurance doesn't meet the minimum standards, which haven't been established yet. And in 2014, those under 65 can only deduct expenses if they exeed 10% of income. And about1.2% the population,(roughly 4 million people)will end up paying the penalty rather than purchase health insurance. The CBO estimates this will total $54 billion in penalties.

Many people do not like this plan, because they believe that it's unconstitutional.What people tend to forget is, the constitution isnotthere to tell the people what they can't do, but what the government can't do to the people.The government does not have the right to force people to buy healthcare, but it does have the right to tax those who choose not to.Americans have had no complaints about paying for a 'More perfect Union' and The Affordable Health Care Act is as vital as our military and court system. We pay for our common defense and the establishment of justice. We have the right to affordable health care.


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