the patient protection and affordable care act our healthcare reform law why do we need it? what...
TRANSCRIPT
![Page 1: The Patient Protection and Affordable Care Act Our Healthcare Reform Law Why do we need it? What does it do for us?](https://reader034.vdocuments.mx/reader034/viewer/2022051401/56649e9f5503460f94ba0c52/html5/thumbnails/1.jpg)
The Patient Protection and Affordable Care Act
Our Healthcare Reform Law
Why do we need it?
What does it do for us?
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The Problem
• 50 million people uninsured
• Costs rising
• Fragmented coverage and care
• Insurance company practices don’t cover “pre-existing conditions” lifetime and annual limits drop people when they get sick
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Possible Solutions?
Right
Tax Credits
• free market
• doesn’t solve all the problems
Left
Single payer
• big government
• “non-starter” in this political environment
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Solution
• Build on current system
Mix of public and private
• Fix the problems
Increase access and affordability
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New System
3 major changes:
1. Reformed insurance markets to increase coverage
2. Individual responsibility to get coverage (mandate)
3. Help those who can’t afford insurance
All 3 needed to make it work
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1. Reformed Insurance Market
• Can’t refuse people with pre-existing conditions (kids now, adults in 2014)
• Can’t drop you if you get sick
• No lifetime limit on benefits
• No annual limit on benefits (2014)
• Government oversight of premium rates and how premium dollars are spent
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2. Individual Responsibility
• Everyone must have insurance (2014)
• Most will still get from employers
• State “exchanges” easier to find information about plans plans must meet standards choices members of Congress will use same plans
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3. Help for those who can’t afford insurance
• Medicaid expanded
• Federal tax credits
Small businesses Families earning up to 400% of
federal poverty level (2014)
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All 3 needed to work
Insurance reforms
Individual responsibility
Help with cost
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Medicare
• Help seniors with prescription drug cost 50% discount on brand drugs reduced cost for generic drugs gradually close the “doughnut hole”
• No-cost preventive care• Higher reimbursements for some primary
care doctors• Pilot programs for better care, better value
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Costs
How do we, all of us, pay for improvements?
Everyone gets insurance Hospitals save $ (fewer uninsured people)More efficient payment systems save $
(and improve quality)Higher Medicare taxes on higher earnersTaxes on medical device companiesTaxes on tanning salons!
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What Can We Expect?
• Easier for people to get, and keep, health insurance. More people will be insured.
• New rules for insurance companies make them more accountable.
• Overall healthcare system works better, due to emphasis on preventive, primary, and coordinated care.
• Better system = healthier people = less healthcare costs
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More Information
• healthreform.kff.org/the-animation.aspx
• www.healthcareandyou.org
• www.healthcare.gov