How has Obamacare (Afforable Health Care Act) personally effected you?

Good or Bad?

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Asked by Anonymous at 9:10 AM on Apr. 28, 2012 in Politics & Current Events

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It was my understanding that it hasn't affected anyone yet, that none of it will go into affect for a few years yet.

Answer by AllUNeedIsLove2 at 9:15 AM on Apr. 28, 2012
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Well, you're wrong many things started 2010.

Comment by Anonymous (original poster) at 9:23 AM on Apr. 28, 2012
Effective January 1, 2011

In 2011, seniors who reach the coverage gap will receive a 50 percent discount when buying Medicare Part D covered brand-name prescription drugs. Over the next ten years, seniors will receive additional savings on brand-name and generic drugs until the coverage gap is closed in 2020.

Comment by Anonymous (original poster) at 9:25 AM on Apr. 28, 2012
Effective for health plan years beginning on or after September 23, 2010

Under the new law, young adults are allowed to stay on their parent’s plan until they turn 26 years old.
Effective Jan. 1, 2010
Up to 4 million small businesses are eligible for tax credits to help them provide insurance benefits to their workers. The first phase of this provision provides a credit worth up to 35% of the employer’s contribution to the employees’ health insurance. Small non-profit organizations may receive up to a 25% credit.

Providing Access to Insurance for Uninsured Americans with Pre-Existing Conditions
National program established July 1, 2010

A Pre-Existing Condition Insurance Plan (PCIP) provides new coverage options to individuals who have been uninsured for at least six months because of a pre-existing condition. States have the option of running this new program in their state. If a state has chosen not to do so, a

Comment by Anonymous (original poster) at 9:30 AM on Apr. 28, 2012
plan has been established by the Department of Health and Human Services in that state. This program serves as a bridge to 2014, when all discrimination against pre-existing conditions will be prohibited.

That's only a few things that are in effect now, there is alot more. What I want to know is, what are you objected to right now?
Or have you benefitted by what is already in place?

Comment by Anonymous (original poster) at 9:32 AM on Apr. 28, 2012
This came 2 years too late for my grandma....I can't for the life of me understand why people would be against this...but I guess until you've lived it and had to go through something, it wouldn't be understood or appreciated.

Answer by calliesmommie at 9:38 AM on Apr. 28, 2012
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Thanks for clearing that up. I'm not affected by any of it, but all of those sound like good improvements.

Answer by AllUNeedIsLove2 at 9:44 AM on Apr. 28, 2012
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As soon as it was in the planning stages, our ins. provider put increases on everything from premiums to copays. They also topped the best coverage at 90/10. So yea, I'd say we were effected by it.

Answer by mrsmom110 at 9:49 AM on Apr. 28, 2012
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All of our rates went UP!!! We now pay MORE then we have ever paid. NOTHING Is for free! You might get it for free, but someone has to still pay for it, and I'm that someone!

Answer by SAHMinIL2 at 10:12 AM on Apr. 28, 2012
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There will be people that argue that since the whole thing hasn't gone into effect yet that the increases in policy costs is entirely the insurance industry trying to make money, but when the plan allows more young adults to be added to their parent's policy then that will have an impact on policy prices.

Our policy went up in price, down in coverage (obviously a business decision by the company DH works for due to the financial impact the changes make to them) with higher co-pays and deductibles.

I would not argue that the insurance industry wasn't in need of reform, I just don't agree with many things in the ACA. Starting with the federal government deciding what one is required to purchase just for the mere fact that they exist.

Answer by QuinnMae at 10:27 AM on Apr. 28, 2012
Credits: 235967 Level 46 Politics & Current Events Degree

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