Affordable Health Care Act aka "Obamacare"

By
Real Estate Agent with Keller Williams Ocean County 1005238

While we are all wrapped up in the individual mandate discussion that was recently upheld by the Supreme Court, let's not forget what else the Affordable Health Care Act also provides.

Here are the Key Provisions:

1) PRE-EXISTING CONDITIONS: No child will be denied insurance based on pre-existing health conditions.

2) COVERAGE FOR YOUNG ADULTS: Young adults can now remain insured through their parents' health insurance plan until the age of 26.

3) PREVENTIVE CARE SERVICES: Insurers must cover preventative care for children--well-child visits, vision and hearing tests, development screenings--without requiring co-payments, deductibles or co-insurance.

4) SPENDING LIMITS: Insurance companies cannot limit their expenditures for a child on their health plan over a lifetime. Annual limits will no longer be allowed after the year 2014.

5) PREVENTION AND PUBLIC HEALTH FUND: The Public Health Services Act will be funded to invest in prevention and public health programs.

While the individual mandate, which is a tax on those that do not have insurance, remains unpopular, when asked, most Americans support the provisions mentioned above.

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Rainmaker
389,421
Karl Hess
Keller Williams Ocean County - Toms River, NJ
on The Jersey Shore

Anecdotal stories aside, the Kaiser Family Foundation disagrees: On average, health insurance premiums have been rising about 10% a year for over a decade. 

"KFF is the leader in health policy analysis, health journalism and communication, the Kaiser Family Foundation is dedicated to filling the need for trusted, independent information on the major health issues facing our nation and its people. Kaiser is a non-profit, private operating foundation focusing on the major health care issues facing the U.S., as well as the U.S. role in global health policy."

Jun 29, 2012 05:58 AM #8
Rainer
405,885
Randy Ostrander
Lake and Lodge Realty LLC - Big Rapids, MI
Real Estate Broker, Serving Big Rapids and West Central MI

No Worries. I only know how it affected me and my family. There is a saying that any theory can be proven through enough research so both sides of any issue can claim they are right. I respect your opinion but it hasn't changed mine. Have a great weekend and lets get back to selling houses!

Jun 29, 2012 06:12 AM #9
Rainmaker
695,477
Rob Arnold
Sand Dollar Realty Group, Inc. - Altamonte Springs, FL
Metro Orlando Full Service - Investor Friendly & F

All those other mandates are good for the people that truly need them.  I concede that point. 

But for the vast majority of the people that already have health insurance, these mandates will most likely just force premiums to go up and up and up.  My premiums went up about 10% in 2011 and another 10% in 2012.  And my increases are apparently on the low end.  Not "affordable" at all.

Jun 29, 2012 06:13 AM #10
Rainmaker
389,421
Karl Hess
Keller Williams Ocean County - Toms River, NJ
on The Jersey Shore

Rob, as I said in a previous comment in response to Randy; insurance premiums have been going up an average of 10% a year for over a decade...so those increases cannot be pinned on Obamacare.

Jun 29, 2012 06:43 AM #11
Rainmaker
1,252,733
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

If that is your answer to my points Karl, even you can't believe that.

The Constitution applies provision for three federal taxes - excise, direct and income (as an amendment).  Which is this?  The gubment does not collect it!  "Insurance" companies and businesses do!  Where is the provision for that?

NOW that provision exists.  The gubment can pass ANYTHING and call it a tax.  So with the newfound taxes, bankruptcies will hit 100%?  Gee, happy days... 

Read my stamp post.  Tell me how wrong I was.

Jun 29, 2012 03:57 PM #12
Rainmaker
389,421
Karl Hess
Keller Williams Ocean County - Toms River, NJ
on The Jersey Shore
Rainmaker
1,252,733
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

The last paragraph was only written because Roberts guessed right.  Had he guessed the other way he would have been excoriated as an idiot.  And it isn't the court's job to be "statesmanlike."

So, if a future congress wants to pass a law, as a tax, that every household purchase Glock 17s, and there would be a fine if one isn't purchased, and if a household doesn't pay the fine they should be sent to jail - you are saying that you're happy that is constitutional?  And no different then, oh, a speeding ticket?  Let's see that one get by.  Lemmino!

I saw the Valor decision and think that it is just as patriotic to lie about that as it is to burn the flag indiscriminately.  Freedom of speech, you know.

Pap.

Jun 29, 2012 05:35 PM #14
Rainmaker
1,406,321
Charles Stallions
Charles Stallions Real Estate Services - Pensacola, FL
800-309-3414 - Pensacola, Pace or Gulf Breeze, Fl.

Sad day when anyone wants, thinks or needs the government to take care of anything. The government just proved that they can do anything they want but as for me I am sick of working and taking care of all the freeloading government people. If you can't take care of you and yours I am for putting your sorry ass to sleep and that is putiing nicely. I have been broke, out of work and all the lows that happen to people but I have never had food stamps, free government cheese nor ask anyone to feed me or my family. If you need someone to take care of you commit suicide and save us.

Jun 29, 2012 07:37 PM #15
Ambassador
508,165
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

@ Charles - Nicely put (tongue firmly planted in cheek).  I thought one of basic tenants of the Affordable Care Act was to do exactly the opposite of what you just wrote "... I am sick of working and taking care of all the freeloading government people."  This Act would not only mean more folks with access to Insurance, but also more folks paying into that Insurance Pool.  Am I wrong?  Because as it currently stands, someone without insurance who goes to the ER ... who is flipping that bill?  As far as the Tax ramifications of this, it is an avoidable tax ... not a mandatory one.  This act promotes personal responsibility in that it basically is written to get people off their hump and do their due diligence to get insurance instead of having none and feeding off the system after the fact.  Will it be affordable?  Will the supply of Doctors meet a probably increased demand?  Is the analogy to mandating car insurance a fair one?  Will the preventive aspects make costs cheaper in the long run?  Will the quality of care still be at a high level?  All interesting questions.  Time shall tell.  The way I view it is the current system has a lot of LARGE issues and this is a step (albeit an imperfect one) in the right direction.

Jun 30, 2012 05:28 AM #16
Rainmaker
512,250
Mitchell J Hall
The Corcoran Group - Manhattan, NY
Lic Associate RE Broker - Manhattan, NYC

I love irony. “Obamacare” is modeled off of “Romneycare”.  As Governor of Massachusetts Romney created government mandated health insurance for every citizen of Massachusetts.

Romney declared that on his first day as President he would repeal “Obamacare.”  He may be a Mormon but he doesn't have a prayer.

Jun 30, 2012 10:18 AM #17
Rainmaker
160,681
Satar Naghshineh
Satar - Amiri Property and Financial Services Corp. - Irvine, CA

The real problem is that the role of the Federal government is not to provide for us from cradle to grave. When the Constitution was being created, there were people without food, land, house, horse, education, etc. No where in the Constitution did it mention that the Federal government should provide for the people. The main purpose of the Federal government was to protect individual freedom.

The secondary problem is with health care as there are issues with the current system. As previously mentioned, people are getting denied or limited coverage when it is in the best interests of the companies providing the services. You also have the cost of healthcare increasing. I believe that we should look into solving these issues without putting a layer of federal government over it. Who knows, maybe it is because of federal government programs, regulations and mandates that is driving up the cost of health care??

By the way, analogies are never a sign of winning an argument because they do not necessary reflect the argument on hand. For example, in your analogy of the speeding ticket, it is more like getting a knock on your door by a police officer handing you a speeding ticket because you happen to own a car in your driveway that might one day go on the road and might speed.

Jun 30, 2012 02:15 PM #18
Rainmaker
389,421
Karl Hess
Keller Williams Ocean County - Toms River, NJ
on The Jersey Shore

Countries are supposed to evolve over time.  Why are we the ONLY industrialized western democracy without universal health-care? Why do we rank 32nd in health? Why does the richest nation the world has ever know refuse to provide basic health services to it's citizens? Why are 66% of all bankruptcies caused by medical bills? Why are American business's put at a disadvantage in the global economy due to health care costs. And finally, how iin the hell do we spend more per-capita of GDP than anyone else on health care with such poor results? Honestly it makes no sense.

Jul 02, 2012 05:03 AM #19
Rainmaker
399,769
Hugh Krone
Weichert Referral Associates - Hamburg, NJ
Realtor, Sussex County NJ

Karl,

All idealogical differences asside, the problem as I see it is that in 236 years our government has yet to run any program that was both successful and run eficiently. Corruption and cronyism is so ingrained in every level of our government that I truly fear giving them control of our health.

Jul 02, 2012 06:32 AM #20
Ambassador
508,165
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

How about the Military & the Postal System, Hugh.  They've done okay.

Jul 02, 2012 03:16 PM #21
Rainmaker
399,769
Hugh Krone
Weichert Referral Associates - Hamburg, NJ
Realtor, Sussex County NJ

Jason Key word was efficient. Do you really want your health care delivered with the same efficiency as the mail and about to go bankrupt. I will not say anything negative about our armed forces but  some of the political decisions have been poor to say the least

Jul 02, 2012 05:52 PM #22
Ambassador
508,165
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

Hugh - I'm not certain my health care (I work for a major insurance company) is delivered efficiently right now.  If I told you what I pay for it, who I work for and what is actually covered ... you'd probably be rather surprised. I believe the pro's of this bill outweigh the cons and as always, there is room for improvement.  Since the 1960's, the prospect of trying to put into motion some sort of Healthcare across the board as been tried and/or discussed.  Some have been successful (Romney in Mass) and most not (Clinton in his adminstration while trying to implement it Nationally).  Rumor is this was originally a Republican idea back in the day?  This Administration was successful.  The true litmus test is yet to be told. Time typically tells the ultimate truth.

As far as the mail and the military, more good than bad. 

Jul 02, 2012 07:47 PM #23
Rainmaker
44,267
Rich Quigley
Chicago, IL

It's bewildering to me how the Republicans, Fox News, Glen Beck, etc. have brainwashed the American people. Those of us with health insurance now pay for those who don't have it and go to emergency rooms for care. I'm sure we all know someone with a pre-existing condition, a sick child who can't have insurance if a parent loses a job, has exceeded lifetime limits on insurance, and so on. Why do people think these are bad things? Because Rush told them so. 

Jul 21, 2012 08:59 AM #24
Rainmaker
389,421
Karl Hess
Keller Williams Ocean County - Toms River, NJ
on The Jersey Shore

I hear ya Rich...it boggles the mind.

Jul 22, 2012 05:14 PM #25
Rainmaker
348,020
Inna Ivchenko
Mannis Real Estate Group - Calabasas, CA
Los Angeles / Valley Homes

I spent hours researching my family insurance options and whatever I found is terrible. It is really expensive. And deductible and out of pocket are very high. For me new law is very frustrating.

Jan 18, 2014 11:40 PM #26
Rainmaker
389,421
Karl Hess
Keller Williams Ocean County - Toms River, NJ
on The Jersey Shore

If no federal subsidy is attached, the individual premium for a mid-range benchmark policy will average $328 a month nationally, according to the Health and Human Services Department. But in California, which leads the country in uninsured residents and is running its own exchange, that plan will cost $373...supposedly the policies under Obamacare will be a lot better because they'll cover more things and have lower out-of-pocket costs

Jan 20, 2014 04:50 AM #27
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Karl Hess

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