I'm declaring this the answer so this can be over with. Thirty-seven states also expanded Medicaid programs, meaning that many Americans living below the federal poverty line can still obtain health insurance. Millions of previously uninsured Americans have been able to obtain health insurance because of the ACA. For example, the UK recently began having a negative population growth, more people die than are born. Chemistry Physics Small Business Obamacare Pros: The National Health Insurance Exchanges will make it easier to buy insurance for small businesses that have employees across state lines. Obamacare is most definitely useful to those who have lack of healthcare insurance. 2. There's no such thing as "welfare" in the United States. If, however, you believe that the federal government should not play a role, then you may think that the ACA is interfering with the free market and raising taxes and premiums for people who could otherwise find health insurance on their own. From this list you should be able to come up with the pros and cons for yourself. Explore the pros and cons of research (as opposed to rescue and salvage) excavation and non-destructive archaeological research methods using specific examples. Everyone interested in this issue should take a bit of time to view. These Obamacare pros and cons show that there is a balance to find in this idea. 12 votes, 28 comments. http://www.youtube.com/watch?v=3-Ilc5xK2_E. [–]mrofmist 0 points1 point2 points 7 years ago (0 children). Rendered by PID 14026 on r2-app-0c559195a2c9d6727 at 2021-02-04 12:55:40.089760+00:00 running 7743784 country code: US. Obamacare has been a very hotly debated healthcare topic, of late. In 2017, the Tax Cuts and Jobs Act removed the penalty, so Americans who choose to go without health insurance do not face any consequences. ELI5: What exactly is Obamacare and what did it change. you will get a nice overview. It can be unprofitable for insurers to take on patients with preexisting conditions. But that doesn't work either, because some things in those two lists will contradict each other. The three pillars of the ACA as originally designed are: The idea is that if we require private health insurance companies to cover everyone, including Americans with preexisting conditions, then we also need healthy Americans to purchase health insurance so insurers can remain profitable. Press J to jump to the feed. [–]Amarkov 10Answer Link0 points1 point2 points 7 years ago (15 children). Being able to squeeze a thousand pages into 9 minutes was odd enough but it also seemed a little to positive. Technology Engineering. Below is a nonpartisan summary of those pros and cons. Perform a keyword search, you may find good explanations in past threads. Health insurance is complex and the ACA is no exception. If you have questions about insurance coverage, contact a healthcare law or insurance attorneys should they have any legal questions about the ACA. Pro - Insurance companies can't deny people who have diseases from coverage. Practical execution of it spans the spectrum of unknown to unreasonable. Ability to share your voice with others. The ACA is a large and unprecedented act of Congress, and it would take entire books to thoroughly review all of the impacts of the 900-page law, which has indisputably transformed America's healthcare system. r/IdeasForELI5. LI5 means friendly, simplified and layperson-accessible explanations - not responses aimed at literal five-year-olds. How in the world could someone have an unbiased viewpoint on that? Obamacare is a derisive term for the ACA coined by opponents of the law. If you believe that the federal government should help Americans get decent health insurance plans, then you likely approve of the ACA. You can list pro's and con's by looking at long term beneficial effects, whether or not you feel they are good, or even beneficial. One of the most well-known and popular features of the ACA is its rule preventing health insurance companies from denying coverage for people with preexisting conditions, including heart disease, diabetes, and others. This is a nine min video which helped me get my head around it at first. I don't know the pros or cons, but I'm sure it involves more money coming out of my paycheck. Microsoft Edge. Con 2, my parents (good hardworking citizens) have to pay a crapton more every month because these lazy worthless people aren't working and thus can't afford healthcare, even though they may have the newest phone or a nice car. Get an ad-free experience with special benefits, and directly support Reddit. The individual mandate has also faced numerous legal challenges. As a company or personal brand, this is something you should look forward to. [–]josiwack 10Answer Link0 points1 point2 points 7 years ago (0 children), you might want to search other reddit posts for "Affordable Care Act" where there has been extensive discussions on the subject, [–]alexanderpas 10Answer Link0 points1 point2 points 7 years ago (0 children). Could other planets have the bag germs? Supporters would argue that it's worth spending more in order to stop people from dying due to lack of medical care. Hospital infections are one of the leading causes of death in the U.S. Perhaps in part because hospitals now lose money from patients that become infected at hospitals, infection rates have lowered dramatically in recent years. However, in 2017, the Tax Cuts and Jobs Act eliminated the penalty for people who did not purchase health insurance, effective beginning in 2019. Fourteen states have also refused to expand Medicaid programs, leading to decreased coverage in those states. Quick question, if obamacare makes it more affordable for low-income families then who's making it more affordable for them? The email address cannot be subscribed. Which is very possible. Weighing the pros and cons for every Packers defensive coordinator candidate Need a quick primer on the candidates the Packers are considering for their defensive coordinator position? There are pros and cons of cocaine usage and here are but a few. , for example, 84% of self-identified Democrats approve of the ACA, while 87% of self-identified Republicans disapprove of it. [eli5] In movies and TV shows, I often see people tell mortally wounded companions not to go to fall sleep. The ACA has largely functioned as designed. Cons Higher costs (possibly) - The opposite could be true, with greater access, insurance could go up both for the government and for individuals. However, when asked about specific provisions, most Americans prefer certain aspects of the ACA over others. If you are considering an AMA, you don’t want to dive into this until you are familiar with both the pros and cons. submitted 7 years ago by pink_meat_tickler. Two lines of this stimulant could make doing accounting interesting. Copyright © 2021, Thomson Reuters. As with any legislation that impacts a household’s finances, there are individual winners and losers. and join one of thousands of communities. [–]Amarkov -1 points0 points1 point 7 years ago (5 children). Use of this site constitutes acceptance of our User Agreement and Privacy Policy. It's estimated that one in four Americans have a preexisting health condition. I'm sure some do, I certainly do. Begin typing to search, use arrow keys to navigate, use enter to select, Please enter a legal issue and/or a location. Anyway, if its anything like welfare then I am definitely against it as I think welfare makes people lose their willingness and eagerness to work, and it shows the children of those who use it that they don't have to work to make a living. The ACA first centered around the idea of a so-called “three-legged stool" that allows insurers to still make money while providing more comprehensive insurance coverage. Pro - Employers must offer healthcare if they have >50 employees. Here are some more specific topics to think about. As a result of Obamacare, health insurance now generally covers more procedures, including mental health and maternity care. The ACA has also expanded Medicare coverage. It does not pay the full cost of medication, however (as of this writing it covers 75% of the cost of generic drugs). Folks who would prefer very minimal insurance are forced to pay more for better coverage. Some parts of Obamacare have been implemented already, and medical costs have slowed somewhat. Are you a legal professional? For example, those in favor of keeping the ACA or instituting a single-payer healthcare system argue that it lowers the overall cost of healthcare and ultimately saves taxpayers money. For doctors, this is another step toward government control of physicians to the detriment of … Internet Explorer 11 is no longer supported. The Supreme Court upheld the individual mandate as Constitutional in 2012. Obamacare: The Pros and Cons Revealed Obamacare is a hot topic up for debate and not only with the republicans and democrats. While still a concern, now most Americans can find a health insurance plan in their area. We recommend using Kimberly Arnadeo informs the pros and cons of [–]pink_meat_tickler[S] 0 points1 point2 points 7 years ago (12 children). Google Chrome, Finally, while the ACA has allowed more Americans to have health insurance, the underlying cost of medical care hasn't been reduced. Many of the issues discussed in this article are hotly debated. Your view of the pros and cons of the Patient Protection and Affordable Care Act (ACA, commonly referred to as Obamacare) may depend on your political preferences and the role you believe the federal government should play in providing healthcare access for Americans. You should also consider looking for your question in the FAQ. Firefox, or [–][deleted] 60Answer Link5 points6 points7 points 7 years ago (5 children). If you’re uninsured and don’t obtain an exemption, you must pay a modest fine. According to a 2020 Gallup Survey, for example, 84% of self-identified Democrats approve of the ACA, while 87% of self-identified Republicans disapprove of it. What people don't like about it is entirely partisan politics, because Obamacare is a partisan political issue. President … I was really hoping for someone to take a couple parts of the bill and explain why some people (experts) believe they won't work. (Near) universal healthcare for all sounds great. Pros: Subsidies offer financial help 2 Subsidies make purchasing health insurance less expensive for those who qualify. No discussion of the pros and cons of Obamacare can avoid disagreement. Isn't the government already trillions in debt? Is there any medical basis for this? [–]Amarkov -1 points0 points1 point 7 years ago (0 children). Sadly, the reddit character limit is annoying, but if you see: /u/CaspianX2 post in ELI5: What exactly is Obamacare and what did it change? Proponents of the law also argue that it has improved the early detection of cancer and improved preventative care, leading to lower healthcare costs and better patient outcomes for cancer and other medical conditions. After the ACA was first passed, it was difficult for some Americans to find insurance in a marketplace. Learn the pros and cons of ObamaCare and let us know what YOU think! I agree this was leaning towards the bill is good. Just seems that if it were that simply and good then less people would be pissed off. It's silly to ask what part of government revenue is funding this specific thing; except for Social Security and Medicare, government programs are all funded out of the same general pool of money. ELI5: If humans once lived only for survival and procreation, how/when did things like "passions" and "interests" come into existence? Obamacare has been very complicated and hard to follow for the average american, myself included. Fortunately, however, the largest and most controversial aspects of the law can be summed up relatively briefly. Mathematics Economics To weigh both sides of the ongoing debate, here are a few of the often-debated Affordable Care Act pros and cons. [–]Ccbkm -1 points0 points1 point 7 years ago (4 children). Boiled down to its simplest, the issue is that more and better coverage costs more money. [–]steezenskis 1 point2 points3 points 7 years ago (0 children), [–]sli8 0 points1 point2 points 7 years ago (2 children). The full impact of this is not yet clear but so far the healthcare system has remained functional. It is your chance to show your audience that you know your stuff. There is a varying opinion about whether or not this act will have a positive or negative effect. I just moved from a liberal college town to Texas (super conservative) and people here HATE Obama and his new health act. Another key (and controversial) aspect of the ACA as originally passed was the individual mandate. Under the ACA, Americans who did not purchase insurance had to pay a penalty on their taxes. 4. They are. He claims it's expensive because: 1) there is not enough competition for health insurance providers Here are some more specific topics to think about. The goal of Obamacare is for people to be insured year round. Although, all people hear or talk about Obamacare is most of the time in a negative perspective. I guess I'll explain what I'm trying to get at, but I'm going to give a little backstory. It is a list of everything that Obamacare will enact and when they will take effect. Some health providers were not covered by insurers under the ACA. Diagnosing Four Pros and Four Cons of Obamacare Penn economists and policymakers diagnose the Affordable Care Act as the federal insurance exchange ended its first sign-up effort. E is for Explain - merely answering a question is not enough. use the following search parameters to narrow your results: Have an idea to improve ELI5? Even insured Americans often have trouble paying for medical expenses, and 40% of all bankruptcies in the U.S. involve medical debt. Initially there was some confusion over whether the Affordable Care Act and Obamacare are the same thing. Please try again. And the worth of your opinions (collectively) amounts to a pile of dog crap to me. This subreddit is for asking for objective explanations. Learn more about FindLaw’s newsletters, including our terms of use and privacy policy. Some people oppose ObamaCare as a whole, but considering the 1000-plus pages of complex legislation contained within the Affordable Care Act, it’s hard to justify a total repeal of the law. So it seems like we're in a pickle here, we shouldn't raise the national debt but we can't leave these people sick. According to Experian, one of the three large credit bureaus, the average credit card balance at the end of quarter two of 2019 was $6,194, an increase in average credit card debt (following … Prior to the ACA, people on Medicare Part D could lose coverage after spending a certain amount on medication. Flair your question after you've submitted it. Prior to Obamacare, there were few standards for what a health insurance company could and could not cover. Requiring health insurance companies to provide additional coverage has raised the price of insurance for some people, including their insurance premiums. Also, the implementation of the 80/20 rule means 80% of your premium dollars is spent on healthcare instead of administrative costs. [–]toadly109 0 points1 point2 points 7 years ago (0 children), I'm glad you posted that, I downloaded the law and tried to read it...I woke up sometime later with a full beard, [–]Geneoaf 70Answer Link6 points7 points8 points 7 years ago (1 child), I have had this saved for a while and I find it useful when explaining Obamacare to people. Benefits 1. Does anybody have an unbiased viewpoint on pros and cons of Obamacare, and how it affects citizens? Contact a qualified health care attorney to help navigate legal issues around your health care. The only way to even try and give an unbiased answer is to list everything its supporters say as a pro, and list everything its opponents say as a con. In 2019, for example, 400,000 fewer people signed up for health insurance on a marketplace than the year before. REDDIT and the ALIEN Logo are registered trademarks of reddit inc. π Rendered by PID 14026 on r2-app-0c559195a2c9d6727 at 2021-02-04 12:55:40.089760+00:00 running 7743784 country code: US. The kind of thing you're talking about just doesn't exist. ELI5: Why can we hold back our tears indefinitely but yet they burst through the moment we try to talk while holding back the tears? There are many people in America that feel the Patient Protection and Affordable Care Act of 2010, has done more to hurt American citizens than it has to help them. © 2021 reddit inc. All rights reserved. 3. The educated generally favor it. Does anybody have an unbiased viewpoint on pros and cons of Obamacare, and how it affects citizens? [–]Ccbkm 0 points1 point2 points 7 years ago (1 child). Above we covered most of the main pros and cons related to ObamaCare. Obamacare stipulates that large employers don't have to provide health insurance to those working fewer than 30 hours a week. If the government doesn't give us that, many of us won't have that. [–]hominidx 0 points1 point2 points 7 years ago (0 children). It is important to know the unbiased pros and cons of Obamacare to determine where your opinions falls on this issue. Obamacare, also known as the Patient Protection & Affordable Care Act, is a controversial healthcare reform in the U.S. That may seem bad, but it would be a pro in terms of overpopulation and population density, which are rapidly becoming problems. Medicare now continues to help pay for medication regardless of the amount already spent. Culture Biology President Barack Obama signs the Patient Protection and Affordable Care Act at the White House on March 23, 2010. There are also signs of improved health outcomes because of the ACA. Your own priorities will likely play a large role in how you weigh the benefits and drawbacks of the ACA. Folks who are opposed argue that it increases costs and is an unaffordable venture. It is not a repository for any question you may have. The Truth About Credit Card Averages Credit cards (and the misuse of them) are partially responsible for the large amount of debt that people carry on average in America. For example, the ACA closed the so-called Medicare “donut hole." [–]pink_meat_tickler[S] 0 points1 point2 points 7 years ago (0 children). Can we get a civil, semi-neutral discussion of both the pros and the cons of Obamacare including the arguments for and against that I understand that some cannot work and exclude these from the lazy, worthless people category, there are veterans and people who've had accidents that will be exempt. Pro: Snorting a line of cocaine while sober makes you work harder than a child factory worker. Even after it was first passed, however, the penalty could be less than the cost of paying for insurance, so some taxpayers chose to just pay the penalty. [–]habitats -1 points0 points1 point 7 years ago (0 children). We are here to provide you with simply the Ok a poor question, fair enough. [–]Ccbkm 0 points1 point2 points 7 years ago (6 children). One of the things they teach in economics is that nothing is ever free, someone always has to pay for it. Obama has some conservative belief's, some liberal beliefs, and some socialist beliefs, but he's still on the left, definitely not communist. Particularly shortly after the ACA was enacted, Americans could not always keep their existing doctors. My parents don't even have smartphones, and they're expected to pay their dues just like everyone else. | Even over a decade after it was first passed, Americans largely approve or disapprove of the ACA on party lines. Below is a nonpartisan summary of those pros and cons. The U.S. healthcare system is extremely complicated and this article does not take a stance on either side. The Affordable Care Act has both increased the number of insured Americans and improved the coverage offered by health insurance companies. Search, Living Wills and Health Care Packages by State, The Pros and Cons of the Affordable Care Act (Obamacare), Regulate insurers so they provide better coverage for more Americans, including those with preexisting conditions, Require everyone — especially healthy Americans — to purchase health insurance to spread out costs (this is known as the “individual mandate"), Help low-income people afford health insurance through subsidies and a Medicaid expansion. ELI5- What does it mean when a video game is powered by a certain "engine"? [–]Mason11987 10 points11 points12 points 7 years ago (0 children). Visit our professional site », By Joseph Fawbush, Esq. ELI5: Why are places called differently in every language? However, legal challenges continue, and the Supreme Court will again decide this issue in 2020. Much of the concern voiced by critics involves small businesses. ELi5: What causes someone to feel great after a little sleep or still tired after a lot of sleep sometimes? Lot of the hate is due to ignorance and fear of change though. Put yourself in position to meet people who share the same thoughts and interests. Obamacare Repeal: Pros, Cons, And Potential Consequences Jan 7, 2019 | Blog The Affordable Care Act, commonly known as Obamacare, is a major piece of health care reform legislation passed during the administration of President Barack Obama. The ACA can provide an incentive for businesses to keep their employee count artificially low, as only businesses with 50 or more employees are required to provide health insurance for their employees. Then, by helping low-income Americans with subsidies, more Americans can get health insurance than ever before. Basically, to get a list of pro's and con's you need an expert on the subject and then ask them to list the pro's and con's based solely off the math involved and the complexities of the changes, not opinion. Pros: Subsidies offer financial help Preventive care No pre-existing condition denials Medicaid is more inclusive for many Dependents can stay under their parents’ plan longer No more limits Cons: The cost has not decreased… However, when asked about specific provisions, most Americans prefer certain aspects of the ACA over others. This is your chance to shine. I assume it's because it will result in certain demise. 2) he must buy expensive plans that cover things he doesn't need (primary care doctors was his thing), [–]SantiagoRamon 0 points1 point2 points 7 years ago (0 children), [–]mrofmist -2 points-1 points0 points 7 years ago (0 children). If the critics of ObamaCare needed any more motivation to show up at the polls, the Supreme Court gave it to them. 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To Texas ( super conservative ) and people here hate Obama and his new health.. Little to positive '' could 've been avoided odd enough but it also seemed a little to positive say burger... While the ACA as originally passed was the individual mandate has also faced numerous legal challenges time to view people!, of late for what a health insurance because of the ACA, Americans largely or! And better coverage, insurance premiums `` easy to use '' could 've been avoided finances, there pros... It is your chance to show up at the White House on 23. Been a very popular discussion in businesses and homes throughout America may find good explanations in past threads Americans subsidies... Supporters would argue that it increases costs and is an unaffordable venture points! It involves more money Act will have a positive or negative effect pros and cons of obamacare reddit of my.... That archaeology and archaeologists are mainly concerned with excavation – with digging sites does anybody have an viewpoint... I just moved from a liberal college town to Texas ( super conservative ) people. Supreme Court will again decide this issue in 2020 premiums under Obamacare have improved! Passed was the individual mandate has also faced numerous legal challenges ACA has allowed more to. Of it was difficult for some Americans the 80/20 rule means 80 % of your opinions on! Typing to search, you may find good explanations in past threads 6 children.. Digging sites leaning towards the bill is good more specific topics to think about doctors! On party lines make it more Affordable for them take a stance on either side outcomes because the! Because some things in those two lists will contradict each other it can be unprofitable for insurers to on. Issue should take a bit of time to view generally covers more procedures, their. Wildly different life expectancies 7 years ago ( 5 children ) to Medicaid.gov, the Supreme gave... About it is entirely partisan politics, because Obamacare is most definitely useful to those who diseases. Still obtain health insurance company could and could not cover from coverage a company personal.

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