Increased Access to Affordable Care.

By: Taylor


Affordable care act has brought many reforms in health insurance system. It has strengthened many health insurance programs and their reach has been extended through expansion. It has brought in many new clauses to impart quality and easy access to health insurance. Some of the key features of this law, which has increased access to affordable care, are discussed below-

Insurance for Uninsured Americans with Pre-Existing Conditions through Pre-Existing Plan it introduced new coverage options for individuals being uninsured for at least six months due to any pre-existing condition.

Coverage for Young Adults - Young adults up to 26 years can avail insurance coverage in their parents plan if they do not lose their dependent status.

Coverage for Early Retirees Elderly Americans without employer-sponsored need to use their saving for survival if they retire early as they need to wait till 65 years of age to qualify for Medicare. The Affordable Care law bridge this gap by providing employment-based plans to provide valuable coverage to retired people between the ages of 55 and 65 along with the family.

Primary Care Workforce The act strengthens the primary health care system increasing number of primary health care providers through new incentives. These incentives include scholarships and loan repayments in healthcare professionals working in underserved areas.

Checking Unreasonable rate hikes It holds insurance companies accountable for any rate hikes. Those who can justify their premium may be eligible for grants. Insurance companies with excessive premium are not eligible for new health insurance Exchanges in 2014.

Coverage for more People on Medicaid - It provided for federal matching funds for so that states can expand Medicaid coverage to additional low-income individuals and families.

More Payments for Rural Health Care Providers A large number of medically underserved communities reside in rural areas. The law offers increased payment to rural health care providers to increase health care facilities in rural areas.

Strengthens Community Health Centres - There is provision of new funding for expansion and building of community health centres. This expansion will cater to 20 million new patients throughout the country.

Easy Access to Services at Home and in the Community It allows states to offer home and community services to disabled individuals through community first choice option under Medicaid. Thus it has promoted easier access to home and community healthcare services.

New Voluntary Options for Long-Term Care Insurance A voluntary long-term care insurance program called CLASS has been created to offer cash benefits to disabled adults.

More Medicaid Payments for Primary Care Doctors It increased payments for primary care doctors. States have to pay not less than 100% of Medicare payment rates in 2013 and 2014 to primary care services providers.

Health Insurance Marketplace Enrollment it allows individuals and small businesses to buy affordable and qualified health benefit through competitive insurance marketplace. This is quite transparent in its functioning.

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