ACA/Obamacare Impacts
The cluster focuses on debates about the Affordable Care Act (ACA/Obamacare), including its effects on insurance costs, coverage for pre-existing conditions, subsidies, and affordability compared to pre-ACA situations.
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Please describe how the Affordable Care Act led to the situation you're responding to.
ACA/Obamacare is not national health care - it's national health insurance, and despite it being better than before (i.e., no pre-existing condition rescissions), the plans offered by carriers even with subsidies are still too pricey for many.
Obamacare drastically raised insurance costs
Precisely this! Not having any insurance in my late 20s, I voted for him thinking ACA was for the good of people. Then I got married, had 2 kids, business flourished, and purchased a house only to realize that ACA accounts for half of my mortgage. Currently paying $1k per month with all healthy members and without any pre-existing conditions!
I thought ACA fixed that? (As in requiring employers to give some healthcare, even if a horrible one)
What?! Surely this can't be possible. We already have an Affordable Care Act...
The Affordable Care Act ("Obamacare") seems to have been a pretty significant development.
In the United States, private health insurance often includes a lifetime cap on coverage of certain conditions. Before the ACA was passed under President Obama, many policies would not cover pre-existing conditions. Insurance companies no longer deny coverage for pre-existing conditions but there are no price controls on premiums. It is very conceivable to end up with a multi-million dollar healthcare bill in the United States, even with a good private health insurance policy. Insurance reduces
The ACA was a fantastic tool, enabling millions more people to access insurance that will actually pay things. If this is your analysis, my assumption is that you work in a healthcare adjacent world like BNPL and don’t actually have even the vaguest understanding of what the ACA is, does, or includes.We can start with the simple fact that catastrophic plans still exist and that they actually cover things, now. That you think they both don’t exist and we’re somehow better before defies
you realize this is literally only as of the ACA in 2010? and if the trump administration has its way (there's a supreme court case on the docket to completely kill ACA) we're going back to that?