DNP 820 Health Policy and Advocacy

Module 6 Assignment (DNP 820 Health Policy and Advocacy Full Course)

Write a 2000 word paper evaluating the PPACA. Detail its timeline from inception to implementation. Analyze the effect the PPACA currently has on access and delivery of healthcare and the anticipated effects it will have on healthcare delivery in the future. What opportunities has the PPACA created for nursing? Describe your state’s position on Medicaid expansion. How has this helped/hurt health care in your state?

Complete the immersion hours form describing your activities consisting of 20 hours this module and submit with your essay to the dropbox. Immersion Hours Log

 

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The effect of PPACA on access and delivery of healthcare

Introduction

The Affordable Care Act (ACA) has been a huge impact on the American healthcare system. It has dramatically expanded the number of people who have access to affordable coverage, as well as how they receive their care. This blog post will cover five ways that the ACA has impacted healthcare in America:

The Affordable Care Act (ACA) allows states to expand Medicaid.

The Affordable Care Act (ACA) allows states to expand Medicaid. This is a good thing for low income people, because it means they will be able to receive health insurance through the government with no out-of-pocket costs.

The ACA also requires all Americans between ages 18 and 65 to have health insurance or pay a tax penalty. If you don’t have any coverage, your premiums will be higher than they would be if you were insured—and this makes it harder for people who earn too much money not to get sick or injured while working at their jobs. When someone gets hurt on the job and needs time off of work until they recover from their injury, having no medical bills makes it easier not only financially but emotionally as well: there’s less stress when everything works out okay after an accident like this one does!

The ACA removed lifetime limits on some insurance plans.

Lifetime limits are now illegal. In the past, insurance companies could place a dollar limit on your health coverage—for example, $1 million lifetime. This meant that if you had a chronic condition like cancer or heart disease and needed more healthcare services in a year than your insurance plan covered, you would have to pay out of pocket for those extra expenses. The ACA removed these limits on all plans sold through Covered California (the state’s healthcare exchange) as of January 1st 2018.

The ACA banned insurers from denying coverage or charging more due to preexisting conditions.

The ACA banned insurers from denying coverage or charging more due to preexisting conditions.

The ACA also banned annual and lifetime limits on benefits, which is a common practice among insurance companies in the United States. Under this system, you pay premiums but are not covered for all medical expenses until your policy expires (the “cap”). If you get sick while under the cap, then your family must foot the bill—which can be burdensome if they’re already struggling financially!

The ACA requires insurers to cover preventive care without copayments or deductibles (a cost-sharing requirement). This means that if you have a health condition that may require treatment in the future, but aren’t currently experiencing symptoms of an illness like high blood pressure or diabetes—you’ll be able to access these services at no cost!

The ACA established state-based exchanges where consumers can buy insurance.

The ACA established state-based exchanges where consumers can buy insurance. These are called health insurance marketplaces and are operated by each state’s department of insurance, though a few states have chosen not to set up their own exchanges.

The exchange has been a source of confusion for many people who don’t understand how it works, but the good news is that there are resources available online that can help you navigate this complicated process. You can search for information on your state’s website or contact local organizations like Your Health Plan and Connect For Health Colorado (CFHC) which offer support services including assistance with enrollment in plans through an exchange.

Those who have low incomes and don’t qualify for Medicaid can get Marketplace subsidies to buy insurance.

Those who have low incomes and don’t qualify for Medicaid can get Marketplace subsidies to buy insurance. The subsidy is based on income and family size, with a maximum benefit of $2,834 per year. It’s a tax credit that can be applied to the monthly premium or paid in advance (in full or in part) by those who qualify.

The amount of your subsidy depends on how much you make and whether you’re married or single; children are eligible for additional assistance through CHIP if their household income falls below 200% of FPL (or 133% for families with one child).

The government pays 100 percent of your monthly premium cost until it reaches its self-imposed limit of 9.5 percent; after that point, consumers are responsible for paying 5 percent more each year until they reach 6 percent in 2020–but even then there’ll still be an open door via federal loans if people need help paying out-of-pocket expenses due to pre-existing conditions like cancer treatment costs or pregnancy complications

Some employers are dropping their health plans, and workers are being shifted onto the Marketplace.

Some employers are dropping their health plans and shifting employees onto the Marketplace.

Employees will be eligible for subsidies to buy insurance, which means that more people have access to coverage than ever before. But some employers may still choose not to offer any health benefits at all if they can’t afford it—and this could lead them to drop workers from their plans entirely.

The risk pool for individual market plans is expected to grow significantly over time as more young and healthy people sign up through the Marketplace, but some private insurers might decide it isn’t worth subsidizing such a high-risk pool (because they’d end up paying higher rates than they would’ve otherwise). If enough people leave these plans or go on Medicaid instead of purchasing them off-marketplace and receiving federal support, then premiums could rise even higher than originally anticipated when Congress passed PPACA eight years ago as part of its Affordable Care Act.*

Young adults up to 26 can stay on a parent’s health plan.

Under the Patient Protection and Affordable Care Act, young adults up to 26 can stay on their parent’s health plan until they are 26 years old. This means that if you’re under the age of 27 and don’t have insurance coverage through work, school or other means (even if it’s through Medicaid), you may be eligible for a temporary waiver from having to pay monthly premiums.

If this applies to you—and it probably does—you’ll need to file an application with your state’s Department of Insurance first. Once approved, this form will allow young adults who don’t qualify for other exemptions from having to pay monthly premiums because they live at home with their parents or have no income but still want coverage under their parents’ policy (e.g., getting married).

Conclusion

The ACA has been a success, offering coverage to millions of Americans who previously had no access. The law has made it possible for people with preexisting conditions to get insurance and helped create a stable marketplace where all Americans have access to affordable insurance plans that meet their needs.