Write a 1 page paper on the need for the aca to provide american family the ability to purchase affordable comprehensive healthcare insurance that includes abortion coverage. A proposal on the need for ACA to provide American family ability to purchase affordable comprehensive healthcare insurance that includes abortion coverage.
A proposal on the need for ACA to provide American family ability to purchase affordable comprehensive healthcare insurance that includes abortion coverage.
Background to the proposed study
The US government has implemented a number of policy frameworks and regulations in relations to the insurance sector, which have had significant effects on accessibility, and scope of coverage of comprehensive healthcare insurance policies. The Affordable Care Act (ACA), a policy reforms in the insurance sector that took effect at the beginning of the year 2014, is likely to cause a major impact on the access, affordability and coverage of the healthcare insurance policies. According to America’s Health Insurance Plans (n.p), the ACA provisions are likely to improve the coverage of the comprehensive healthcare insurance and thus expand the benefits and coverage subsidies for most American businesses and individuals. The ICA policy is likely to results into several market reforms that will see many Americans, who previously could not afford healthcare insurance, take advantage of the expanded Medi-cal and federal subsidiaries through covered California. a health benefit exchange that will increase benefits covered under the comprehensive healthcare insurance while lowering the costs of insurance. However, with increased enrollment, improved benefits and implied limitations on the sharing of costs, most Americans are going to experienced increase in costs and premiums paid while purchasing individual medical covers for themselves and their families.
According to the Californian Association of Health Plans (1-4), the ICA provisions are likely to affect costs of insurance in a number of different ways. One, individuals will be forced to buy insurance polices that offer almost similar benefits like those offered by the employer and this is likely to cost more and attract more premiums. Two, according to the National Institute for Health Care Management(1), the ACA requires insurance healthcare plans to cover a higher percentage of medical costs, which is likely to increase the annual premiums. Three, ACA will increase the insured benefits, which will result into a proportionate increase in the insurance costs because of increase in average premiums charged. Four, ICA forces insurance companies to cover pre-existing conditions and prohibits them from exerting extra charges for poor health conditions. this is likely to force them to raise the healthcare premiums for the entire market in order to widen the common pool. Five, based on the Milliman client report (10), ACA provisions make it very impossible to lower premiums based on age of applicant. this implies that younger people will be charged higher premiums just like older people. Six, ACA makes it compulsory for all the Americans to enroll for insurance. this implies that the elderly and more risky members of the population will enroll thus raining the general cost of insurance in the market.
Implementation of the ICA policy and its provisions is likely to raise the insurance costs beyond the ability of most American families. In addition to this, the policy is likely to affect the scope of coverage of the comprehensive healthcare insurance for American families and their beneficiaries. In the end, the sustainability of the expansive coverage of the ACA policy will be at stake unless policymakers and other stakeholders take urgent measures to lower the costs of accessing healthcare insurance benefits.
Purpose of the proposed study
The purpose of the proposed study is therefore to explore perceptions of Americans regarding the impact of ACA and coverage of comprehensive healthcare insurance policies and recommend various ways of lowering the costs while expanding the benefits to include abortion coverage.
Scope of analysis
The scope of this study shall include:
Impact of ACA on affordability of comprehensive healthcare insurance
Impact of ACA on the scope of coverage of comprehensive healthcare insurance
Perceptions of the Americans on the impact of the ACA policy on affordability and coverage of comprehensive medical insurance
Recommendations on policy framework that would ensure affordability of healthcare insurance and improvement of scope of benefits to include abortion coverage
Secondary data on demographic composition of the American families, insurance policy frameworks and the implications of the Affordable Care Act (ACA) on the scope of coverage of healthcare insurance in America will be gathered from government publications such as Current Population Surveys from US Census Bureau, trade and scholarly sources. The proposed document will also contain surveys concerning the perception of employees regarding the impact of the ACA policy on affordability of healthcare insurance benefits and scope of coverage of insurance benefits. The study site will be my university and the study population will be the employees at the university. Descriptive research design will be used to gather data on ACA policy and address research problem. Convenience sampling shall be used to sellect actual respondents to the study.
The following is the proposed schedule for the study.
1. Preliminary study
25th -28th February 2014
2. Secondary literature review
3rd March 2014
3. Design and pilot testing of questionnaire
10th-14th March 2014
4. Primary data collection and analysis
17th – 21st March 2014
5. Preparation of firs draft and final report
24th -28th March 2014
6. Presentation of final report
31st March 2014
The proposed study will take a minimum of 35 days comprising of four hours a day to plan and design the study, collect secondary and primary data, analyze the data and develop the final report for presentation. The total expenditure for the proposed study will be $ 130. The following is the proposed budget.
Request for approval
This study is very important for accomplishment of my academic requirements. I therefore wish to request your feedback and approval for immediate commencement of the study. I would appreciate your guidance on areas that need clarification and improvement.
Americas’ Health Insurance Plans (AHIP). Affordable Care Act. 2014. Web. 20 Feb. 2014.
California Association of Health Plans. ACA 101: Seven ways the affordable care act will `impact individual health insurance. April 2013. Web. 20 Feb. 2014.
Milliman. Factors Affecting Individual Premium Rates in 2014 for California. March 28, 2011. `Web. 20 Feb. 2014.
` National Institute for Health Care Management. Data Brief: Spending for Private Health `Insurance in the United States. January 2013. 20 Feb. 2014.
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