Affordable Care Act Instructions: Please Answer Part Essay

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Affordable Care Act

Instructions: Please answer Part Exam (5 Parts / preparing a written response 2 pages (double spaced/12 times Roman equivalent font size) Case Study: Patient burned a severe accident sustained significant scarring face blindness eye.

Affordable Care Act (ACA)

The Affordable Care Act (ACA) is designed to expand healthcare coverage to a wider range of uninsured Americans and to provide more protections for currently insured Americans. It also attempts to keep the costs of healthcare down by expanding the risk pool to include younger, healthy adults to well as by allowing for young people to remain covered by their parents' insurance for a longer period of time. "When the individual mandate is fully phased-in, those who can afford coverage -- which is defined as insurance costing less than 8% of their annual income -- but choose to forgo it will have to pay either $695 or 2.5% of the annual income, whichever is greater."[footnoteRef:1] The ACA lowered eligibility requirements for Medicaid, the state-run, federally subsidized program for the poor. Finally, now "insurance companies are not allowed to discriminate based on preexisting conditions. They are allowed to discriminate based "on age (limited to 3 to 1 ratio), premium rating area, family composition, and tobacco use (limited to 1.5. To 1 ratio).

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"[footnoteRef:2] [1: Klein, Ezra. "11 facts about the Affordable Care Act." The Washington Post. 24 Jun 2012. [4 May 2013] http://www.washingtonpost.com/blogs/wonkblog/wp/2012/06/24/11-facts-about-the-affordable-care-act/] [2: Klein, 2012]

It was the individual mandate, or requiring individuals to purchase health insurance, that proved to be the most controversial aspect of the law and the basis for the legal challenge to the United States Supreme Court. The case was largely decided upon technical legal grounds. Opponents stated that the individual mandate was unconstitutional because it compelled citizens to purchase health insurance against their will. However, the Court "upheld the mandate as a tax, although concluded it was not valid as an exercise of Congress' commerce clause power," as was argued by the Obama Administration.[footnoteRef:3] Writing for the majority, Chief Justice Roberts noted: "The individual mandate cannot be upheld as an exercise of Congress's power under the Commerce Clause…Clause authorizes Congress to regulate interstate commerce, not to order individuals to engage in it. In this case, however, it is reasonable to construe what Congress has done as increasing taxes on those who have….....

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