Affordable Healthcare Act (ACA)

BySuzan, Scott, and Pat

Where did we begin?1850

The Franklin Health Assurance Company of Massachusetts begins providing accident insurance

1913American College of Surgeons was founded

1929

Justin Ford Kimball develops the Baylor Plan

1940s-1950sBring on the employee benefit plans and

expansion of the included health insurance packages!

1965

Introduction of Medicare and Medicaid

2012US Census Bureau reports that 32 million Americans

are uninsured -- 40% of those are 18-25 yr. olds

2013Affordable Healthcare Act is a go!

What is the Affordable Care Act?

COVERAGE• Ends Pre-Existing Condition Exclusions for

Children

• Keeps Young Adults Covered

• Ends Arbitrary Withdrawals of Insurance Coverage-- Guarantees Your Right to Appeal

What is the Affordable Care Act?

Costs• Ends Lifetime Limits on Coverage• Reviews Premium Increases• Helps You Get the Most from Your Premium Dollars

Care• Covers Preventive Care at No Cost to You • Protects Your Choice of Doctors • Removes Insurance Company Barriers to Emergency

Services

What is the Affordable Care Act?

CARE• Covers Preventive Care at No Cost to You

• Protects Your Choice of Doctors

• Removes Insurance Company Barriers to Emergency Services

Patient Protection & Affordable Care Act Roots

• 1989 Emergency Medical Treatment and Active Labor Act

• 1993 President Clinton Healthcare reform bill lead to SCHIP

• 1993 Health Equity and Access Reform Act• 2006 “Romney Care”• 2007 Healthy Americans Act• 2008 Obama Campaign 45million uninsured

Compromise, Reassurances, and Controversy

• Obama proposed subsidy but not Mandate • House of Representatives pass leading to political

maneuvering in Senate• Executive order 13535 “Hyde Amendment”• Cornhusker Kickback• Republicans claim Individual Mandate unconstitutional • Vow to filibuster any bill they do not support• Attempted repeal 33 times• Leads to resistance and eventual government shut

down

Before the Affordable Care Act

• In 2012, Americans paid 2 trillion in insurance premiums

• Hospital bills # 1 cause of Bankruptcy (most had insurance)

• Insurance companies denied pre-existing conditions

• 45 million people uninsured

After the Affordable Care Act

• Children can’t be denied health coverage• No cap on lifetime benefits• Young adults can stay on their parents’ plan up

to age 26• No cap on lifetime benefits• Low income families can get affordable

insurance

What does the Future hold for the Affordable Care Act?

• Affordable for some, but now not for others• What kinks need to be worked out• Annual fines for those not signed up

(deducted straight from ones taxes)• Are the plans truly what they promote• From the 45 million that were uninsured, only

1 million so far have signed up for coverage

How is the Affordable Care Act Affecting us? Suzan Bartee…

• Young adults – What frames how much we value healthcare?

• The employer’s responsibility?

• An interesting perspective

Scott’s Perspective

• Where is this 2 trillion going now?• I want to believe this is a positive direction,

but have little faith in our system• People should have a right to affordable

healthcare• People shouldn’t be forced into something • Healthcare is/was out of control

Pat’s Perspective

• Regulated, safer market is better than a market driven solely by profit

• Much like social security, the participation of the masses (especially low risk youth) will make this work

The End….

• Sign up by March 31, 2014 or it will be the end for you!!!

• https://www.healthcare.gov/