The Impact Of The Affordable Care Act On North Carolina’s Uninsured Population Research Paper Example

The Affordable Care Act (ACA) is a governing act in the health care industry with the task to put together health insurance that is more reasonably priced by means of endowing tax credits in health insurances and cost sharing to the uninsured individuals. Through the formulation and implementation of this health insurance act in order to promote easy access to health care benefits and make it more accessible to those who are really in need of health assistance. In the United States, the Medicaid and Medicare programs will be lengthened to cater more communities and health insurance holders.
The principal objective and purpose of the Affordable Care Act in the health care system of the United States of America is to offer health care insurance to the uninsured citizens in the United States. Theses uninsured citizens are the low up to moderate income earners who cannot afford to avail a health insurance plan. The said Act’s focal point includes the 26 states in America. This also takes account of North Carolina, a state that is selected not to inflate qualifications for Medicaid coverage on the next couple of years.
Indeed, health insurance is very important in every adult in the United States. Based on studies, more than 1,565,000 population of North Carolina below the age of sixty were uninsured in the years 2010 up to 2011. Most of these persons are now being obliged by the State to secure a health insurance plan for them. The patients may be qualified and entitled to acquire a financial assistance from their insurance company. Other patients and insurers may possibly be eligible for Medicaid coverage as well. Moreover, the health insurance programs in North Carolina will now be an easy marketplace to the people who need medical assistance.
Health insurance plans can be extremely costly, particularly for those who are not able to obtain health assistance coverage from employers or companies. These are the uninsured workers or citizens in the United States who only earn low or medium wage percentage every year. That is the main reason why North Carolinians along with their families necessitate inexpensive health treatments that they can easily avail, evaluate, and join up in the health insurance programs of North Carolina.
This health insurance marketplace can be a one stop shop to be of assistance to those patients who need precise and comprehensible information concerning health care provider accessibility, remuneration, and overheads. They will be able to know and be aware about their payments and other terms prior to enrolling to the health insurance. If they will be eligible for the Medicaid program, the patients will be guided accordingly to the proper enrollment procedures and requirements.
Selecting a health care insurance plan or availing a medical coverage for unexpected medical assistance and health issues is an imperative choice that patients should need to make in order to get the right assistance or plan that can fit their medical needs as well as their finances. The US has been very intuitive in putting some actions to uplift the health care system in all the States of America. Consumer assistance groups are also present in today’s health insurance policies in the United States. They are responsible in raising knowledge and understanding about coverage options of insurers and in helping patients in filling out application forms for them to verify if the patients are eligible for assistance provided that the advice on choosing an insurance plan is based on Medicaid qualifications.
Meanwhile, North Carolina has many certified health care insurance guides who are educated and trained to assist patients in understanding the differences among the available health insurance plans in the said State. To add up, North Carolina’s health insurance market also has a call center consisting of a workforce of health insurance experts headed for providing medical help for everyone who needs assistance in applying for a health insurance plan.
On the other hand, Small business firms have a hard time providing health insurance remuneration to their workers because of the high cost of plans and other factors that hinder these medical benefits to be given to their employees. To lend a hand in addressing these kinds of issues, the Affordable Care Act calls for the founding and organization of Small Business Health Options Programs (SHOP) in every state in America. Like the North Carolina’s SHOP, the said marketplace will give small businesses in North Carolina the chance to choose from a selection of health care insurance plan preferences so that they can give these medical benefits to their employees
In this regard, to be able to help in making the prices or costs of health care insurance more reasonable, small businesses that offer insurance benefits have to compensate with employee’s income qualifications in order to get tax credits to diminish the premium’s costs. Furthermore, North Carolina has the choice if they would want to expand the Medicaid coverage of their citizens who are under 65 years old with a minimum net income per year. But this opportunity has been denied by the federal state sue to some reasons concerning the individual capacity of citizens to avail such medical coverage.