Obamacare vs. The Affordable Care Act by Daniel Woodley

Columbus BlackBlog Series Vol. 1, Blog Series Vol. 2, Daniel Woodley

Obamacare vs ACA ImageI want to take the opportunity to clarify the title of this article due to the recent realization that many Americans think that Obamacare and The Affordable Care Act are two different things when they are exactly the same.

Obamacare, also known as the Affordable Care Act (or “ACA” for short), was signed into law in March 2010 and has had major provisions that have gone into effect, including: guaranteed health insurance regardless of current or prior health; minimum standards which allow children to remain on their parents insurance until the age of 26; Individual Mandate which will require you to purchase health insurance, or pay a non-compliance penalty; Health Insurance Exchange which will require you, if you don’t have insurance through your employer or the government, to purchase it through your states exchange. You also have a Low Income Subsidies provision; this entails that individuals and families with an income of less than 400% of the federal poverty level who purchase health insurance through the exchange will be eligible for a subsidy, a sum of money that is granted by the government. In the chat shown below, you can see how much of a disservice it will be to the federal budget, and how it will slowly but surely increase taxes on the American People in drastic fashion.

The Affordable Care Act has been a vital piece of Legislation that the Republicans at the congressional level have been opposing, and have went as far as naming it “Obamacare“ to politicize in their favor in undermining Obama even further as a president. House Speaker Paul Ryan and Senate Leader Mitch McConnell, along with other leaders in the GOP leadership, has constantly tried day-in and day-out to obstruct Obamacare. Now, in 2017, with our President-Elect having the elimination of Obamacare at the top of his agenda, has yet to talk about or even entertain someone else replacing Obamacare. At the start of this legislation in 2014, 8 million of the American people had Obamacare; by 2015, there were 11.7 million; and in 2016, 12.7 million of the American people had been enrolled in Obamacare. Under the President-Elect, House-controlled, Senate-controlled GOP leadership, this ineluctable act to cut so many of the precious American people’s current health care plan will be just another disservice they perform to the country as a whole. Keeping Obamacare will provide millions of uninsured people the ability to have health insurance at low cost, ensure the projection that you won’t be dropped from coverage when you get sick or make an honest mistake on your application, and also allow you to obtain health insurance if you have a preexisting condition.

Repealing the Affordable Care Act will result in millions of the American people who are currently enrolled in Obamacare to lose their benefits.

Some key benefits that will be lost are: cost assistance (you can’t be charged more based on health status or gender), which is available to individuals, families, and small business through the Health Insurance Marketplace; the right to quickly appeal any health care insurance company decision; young adults can stay on their insurance until the age of 26; and large improvements to women’s health services, including many new free preventive treatments and screenings, such as mammograms, colonoscopies, domestic and interpersonal violence screening which will help protect pregnant women. These are just a few yet very critical benefits that will be stripped from the American people if the Affordable Care Act is repealed. Abolishing the Affordable Care Act will also result in the women and the elderly being forced to pay high premiums. According to the U.S. Department of Health and Human Services in its first analysis of premium affordability since the Affordable Care Act went into law, individuals who selected plans in the Federally-facilitated Marketplace (FFM) with the tax credits have a post-tax credit premium that is 76% less than the full premium on average as a result of the tax credit reducing their premium from $346 to $82 per month. The U.S. Department of Health and Human Services has reported that 60% of current marketplace customers in Ohio could obtain coverages with premiums of $100 or less after tax credits. The Affordable Care Act in 2015 decreased the percentage of Ohioans who were uninsured from 12.3% in 2010 to 6.5%.

Finally, the majority of the American people do not support the Republican plan for repeal, and industry experts are warning against it. By repealing the Affordable Care Act, companies could discriminate based on pre-existing conditions, and nearly 30 percent of adults under 65 have health conditions that could make them uninsurable. The Affordable Care Act is working, with more than 20 million Americans that have health insurance who wouldn’t otherwise and fewer Americans are struggling to pay their medical bills. Republicans repealing the Affordable Care Act Law would be irresponsible, horrific, and, most importantly, a disservice to the American People.


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To learn more about Daniel Woodley, check out his bio.

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