Federal Health Policy – Obamacare

FEDERAL HEALTH POLICY – OBAMACARE 6

FederalHealth Policy – Obamacare

InstitutionAffiliation:

FederalHealth Policy – Obamacare

Inan attempt to have every American insured, Obama, American President,with the aid of Congress signed into to law the Obamacare healthpolicy. It has increasingly become expensive for patients to visithospitals of their choice with medical costs being cited as theleading reason for bankruptcy within the country. Therefore, Obama’shealth care policy goes a long way in ensuring that citizens are in aposition to obtain quality and affordable treatment at any time.

Thegovernment has urged its citizens to take up medical insurance coverat a subsidized cost whereby a large part of the insurance premium iscovered by the government. The subsidized amount is expected to beset aside from the national savings thus less disturbance to thenational budget. Families no longer have to worry about medical costssince the insurance plan is set to bear the burden with minimalcontribution from the affected families (Gerston,&nbsp2007).

TheObamacare health care policy has two arms, that of Medicaid andMedicare. The former caters for citizens who are on jobs without anyinsurance cover, unemployed people and also for the poor individuals.The federal government and states have collaboration for which theypay for persons under Medicaid. Individuals above the age of 65 areusually incorporated under Medicare whereby their insurance cover ismet by the Federal government(Gerston,&nbsp2007).

TheObamacare healthcare policy raises considerable issues of federalism.This is particularly the case since the federal government has toimplement the policy through its states. The federal health caresystem only subsidizes the insurance plans for its citizens butleaves an individual choice with an option of obtaining thecover(Hudak,&nbsp2011).

However,issues of federalism arise since the federal government expects thestates to implement the policy in an attempt to insure all citizens.This may not be possible in all states due to financial constraintsfacing such states. Consequently, a state lacks its sovereigntywhereby it has to act according to the wishes of the federalgovernment(Hudak,&nbsp2011).

Furthermore,the federal government could start issuing grants selectively tostates that comply with the Obama healthcare policy. This is againstthe American constitution whereby the federal should avoid biasnesswhen offering monetary assistance to states. The health care policyhas two facets whereby individuals are left to exercise theirdiscretion as whether or not to obtain the policy. On the other hand,states face the risk of penalties if the locals fail to obtain thesubsidized insurance covers (Hudak,&nbsp2011).

TheObamacare has a number of pros and cons as a result of itsimplementation across states in the country. The papers explores someof the advantages and disadvantages of America adopting thehealthcare policy. Consequently, the federal government could work onresolving the shortcomings resulting to a better healthcare system inthe United States. An advantage is that through provision ofsubsidized insurance cover it cuts health care costs for millions offamilies in the country. Moreover, it makes preventive care free forall people in the country. Patients get treated before their illnessgets beyond containable levels that serves to eliminate expensiveemergency room expenses(Hudak,&nbsp2011).

Italso requires all insurance covers to cater for persons sufferingfrom mental health, long-term diseases and addiction to drugs andsubstance. Insurance firms are now compelled to cover this class ofpersons who initially went uncovered raising their medical costs.Patients with such conditions faced paying higher premiums or evenbeing denied insurance cover.

AffordableCare Act of 2010 eliminates lifetime and yearly hindrances oninsurance covers. Children till 26 years of age can be covered bytheir parent’s insurance schemes. Consequently, the number of youngpeople who were previously uncovered has increased double fold whichis a positive move in the health sector. Furthermore, it hasincreased profits for insurance firms since younger people aregenerally considered healthy with minimal chances of falling sick(Haugen&amp Musser, 2012).

Onthe other hand, the health policy is subject to a number oflimitations. First, a large number of people risk losing theirindividual insurance schemes. Most of the private insurance plansfall void of the requirements of healthcare Act. It is expensive forpersons with cancelled insurance covers to replace them since itcalls for the covering of services such as paternity which is not anecessity for all the individuals(Haugen&amp Musser, 2012).

Anotherdisadvantage is that a large number of people risk losing theirinsurance covers usually paid for by their companies. Companies couldprefer paying associated penalties to obtaining individual insuranceschemes for their employees. Consequently, it could reduce employeeincome left for purchasing goods and services leading to adeterioration of welfare.

Thehealthcare policy is inconsistent with the American federalismconstitutional framework whereby state’s discretion of the policyis compromised by the federal government. States in the fear ofpenalties and withdrawal of grants are forced to implement the policywhich might require modifications in order to work is some of thestates. Moreover, in some of the states, private insurance schemesare more ideal given that the upper and middle class persons are inlarge numbers. Low income persons could be covered by their employersa scenario where every person could have an insurance cover in theirlife (UnitedStates, 2011).

Inconclusion, the federal healthcare policy is a positive move towardensuring that every person has an insurance cover in their lives.However, it violates certain rights of the states such assovereignty. The policy could be tailored to ensure that it meets theneeds of all persons and states.

References

Gerston,&nbspL.&nbspN.(2007).&nbspAmericanfederalism: A concise introduction.Armonk, NY: M.E. Sharpe.

Haugen,&nbspD.&nbspM.,&amp Musser,&nbspS. (2012).&nbspHealthcare. Farmington Hills, MI:Greenhaven Press.

Hudak,&nbspH.&nbspC.(2011).&nbspFederalgovernment. Calgary, AB: Weigl.

UnitedStates. (2011).&nbspHealthcareinspection: Alleged quality of care issues,Captain James A. Lovell Federal Health Care Center, North Chicago,Illinois.Washington, DC: Dept. of Veterans Affairs, Office of InspectorGeneral.