Our ‘Affordable Care Act‘ Summary breaks down ObamaCare section by section. The ‘Affordable Care Act’ summary will give the most factual representation of the bill by breaking it down into it’s simplest form. Remember, every title and every section of the ‘Affordable Care Act’ Bill is packed with details (even the condensed version of the Bill is 2000+ pages long). We have the whole Act on our site, this is only a quick ‘Affordable Care Act’ Summary to help give an overview of what the new health care law is all about.
What is the Affordable Care Act?
The Affordable Care Act, or ACA, is a long, complex piece of legislation that attempts to reform the healthcare system. Summarizing the Affordable Care Act means giving a basic overview of what each section is about. We have a condensed version of the law available to download and many other pages that explain aspects of the law and how they affect you.
This Summary of the ACA will help you get a quick idea of what exactly is in The Affordable Care Act (ObamaCare) and what it does for Americans like you.
Affordable Care Act Summary
First off, the way a law works is it is broken down into titles and each title is broken down into sections. We will just give a summary of the title itself and what is implied within those sections.
Want to skip the Affordable Care Act Summary and just read the bill? Download the Full Affordable Care Act Bill
TITLE I – QUALITY, AFFORDABLE HEALTH CARE FOR ALL AMERICANS
The first title states that the Affordable Care Act puts individuals, families and small business owners in control of their own healthcare.
The Affordable Care Act reduces costs of premiums to millions of families and small businesses and provides billions dollars in tax relief – the largest middle class tax cut for health care in history.
The Affordable Care Act also reduces what most people will pay for healthcare by capping out of pocket expenses and requiring all preventative care to be fully-covered and without cost to the individual.
Nothing in the Bill forces any American to havehealthcare or to drop their current healthcare plan.
There will be a competitive insurance market and all Americans will be able to choose their insurance out of these plans. Since everyone will have access to the same care through the Affordable Care Act it helps to ensure that all Americans receive quality healthcare. Those wishing to purchase private health insurance will be able to do so and receive the same care available today.
Since all Americans will pay into the Affordable Care Act, the insurance exchange will pool buying power allowing individuals to afford private insurance plans. These plans will have to compete for your business, thus helping to regulate cost and quality.
Small business owners will be able to purchase their own coverage, and will receive tax credits for up to 50% of the cost of their employees health insurance making it easier to give their employees benefits.
Insurance companies cannot deny coverage based off of pre-existing medical conditions and can make an appeal if an insurance company refuse doctor ordered treatments.
TITLE II – The Role of Public Programs
The Affordable Care Act extends Medicaid, preserves CHIP (Successful children’s insurance plan) and simplifies enrollment.
Improves community-based care for disabled Americans and provides States the opportunity to expand home care services for people with long term care needs.
The Act treats all States equally and gives them flexibility to adopt strategies to improve care in coordination with Medicare and Medicaid beneficiaries.
The Affordable Care Act TITLE II states that it saves the taxpayer money by reducing prescription drug costs and payments to subsidize care for uninsured Americans.
The Act also gives more Americans access to health insurance greatly increasing the number of Americans who have healthcare.
Title III. Improving the Quality and Efficiency of Health Care
The Affordable Care Act preserves, protects and reforms Medicare.
The ACT closes the coverage gap “donut hole” for drug costs for seniors. Seniors will save thousands of dollars in drug costs due to closing the “donut hole”.
Healthcare institutions and professionals will be incentivized to improve care.
The Affordable Care Act provides additional health services to rural America.
The Act ends the overpayment of tens of billions of dollars to insurance companies in order to help protect Medicare.
Taxpayer dollars are saved by keeping people healthier before joining Medicare, reducing Medicare’s need to pay hospitals to care for uninsured patents.
A team of healthcare experts and not members of congress, will work together to come up with the best ideas to keep Medicare running by figuring out how to improve the quality of coverage and reduce costs for Medicare.
Title IV. Prevention of Chronic Disease and Improving Public Health
Title IV promotes prevention, wellness and public health via unprecedented funding.
The Act uses national prevention and health promotion strategies to work to improve the health of Americans and reduce preventable illness and disability in an effort to keep Americans healthy and health care costs down.
Nutritional information will be more prevalent.
Co-payments will be waved for preventative measures for seniors.
The bill adds many preventative services for women.
The bill as a whole will save taxpayers by ensuring that people have access to the preventative measures saving millions of lives and astronomical hospital bills that go unpaid and drive up the cost of healthcare.
Title V Health Care Workforce
Affordable Health Care Act funds scholarships and loan repayment programs to assist young people with going to school for health care related professions.
The act promotes much needed jobs in the healthcare industry to prepare for our future thus creating jobs for American workers.
The Act gives states power to recruit healthcare workers.
Helps fund and expand community health centers.
Title VI. Transparency and Program Integrity
The Affordable Care Act focuses on keeping Americans informed about healthcare.
Doctor-patient relationships are strengthened via cutting edge medical research and access to more data to allow doctors and patients to make the decisions that work best for them.
Greater transparency in nursing homes by placing regulations and incentive programs to help improve quality control.
The Act reins in waste, fraud and abuse by imposing disclosure requirements to identify high-risk providers who have defrauded the American taxpayer.
States now have the authority to prevent providers who have been penalized in one state from setting up in another.
Gives states flexibility to propose and test tort reforms that affect patient safety, encourage resolution of disputes and improve liability insurance.
Title VII. Improving Access to Innovative Medical Therapies
Title VIII. Community Living Assistance Services and Supports Act (CLASS Act)
Title IX. Revenue Provisions
Title X. Reauthorization of the Indian Health Care Improvement Act
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