The recent repeal the Affordable Care Act, also known as Obama care, may cause millions to lose valuable health care options, and cost Americans more. Preventative health care options may no longer be available. Pre-existing health conditions will likely not be covered. Overall benefits options may decrease, and coverage cost may rise.
Preventative care is essential to overall health. Preventable Chronic diseases, such as heart disease, cancer, and diabetes, are responsible for 7 of every 10 deaths among Americans each year and account for 75% of the nation’s health spending (Centers For Disease Control And Prevention, 2017). Under the Affordable Care Act (ACA) preventive care options such as nutritionist to prevent obesity, cancer and diabetes screenings, and drug dependency counseling were also covered. Now that the ACA has been repealed insurance companies and health care provider no longer have provide those services. “A large study called SEARCH for Diabetes in Youth found that newly diagnosed cases of Type 2 diabetes in children and teens increased by about 4.8 percent in each year of the study’s period between 2002 and 2012” (Caceres, 2017, para. 2). Nutritionist and diabetes screenings have become necessary to help reduce that trend. For drug and alcohol dependency as well as smoking cessation classes were also covered, now if you or a loved one require dependency services you will more than likely pay out of pocket.
The ACA also covered and protected those with pre-existing conditions, which means, for example, if you have Asthma or suffer from depression, insurance companies could not turn people away or over charge for coverage. Now, health insurance companies can charge higher rates or choose to deny coverage altogether Study’s found that some premiums have been quoted up to 50% higher for depression (Berger, 2017, Para.5). Based on analysis by the American Center for Progress people with minor pre-existing conditions will up to $5,600 more for insurance (Berger, 2017, para.7). Pregnant women are also considered to have a pre-existing condition and could not be denied coverage or charged more. Now since the repeal of the ACA maternity coverage can cost as much as $17320 more (Berger, 2017) families will either have add maternity care to their insurance as supplemental coverage which will cost more, or they are on their own to pay for these services. Young Mothers who are uninsured will not have access to essential doctor visits and potential complications may arise during pregnancy.
Heath care coverage cost for some people will rise and there will be18 million more people uninsured once the repeal is enforced (Congressional Budget Office, 2017 pg.1). The ACA restricts how much insurance companies can charge older people. This is the group of people who require the most coverage because they are usually the sickest or require the most care, now that regulations have been lifted according to Kliff (2017) insurance companies can charge elderly people up to 5 times more for care. Furthermore, under the ACA, healthier people were charged a fee for chosen not to have health coverage up to $2085 or 2.5% of annual income (Olivero, 2014). However, since the repeal a person would not be charged a fee, however, if they chose to get coverage later they will be charged higher rates for not having coverage in the first place. Low income citizens that suffered a lapse in coverage will face penalties if they try to get coverage in the private sector. Now that insurance companies are no longer bound by the ACA cost for insurance will likely skyrocket causing more people especially young healthy people to opt out which can cause rates to rise for those who choose to stay insured.
Repealing the ACA can severely affect those who don’t either have coverage, cannot afford coverage and can be detrimental for those with pre-existing condition. Health premiums will rise, People with chronic health issues may be left out and less coverage options will be available.