The question of How Obama Is Changing Health Insurance for Americans is an important one that will be focused upon for a number of years. Americans have been waiting years for change and the question is will that change be for the better? President Obama is trying to ban discrimination against those who need insurance and time will tell if this was a good enough plan.
The concept of banning pre-existing conditions is a key part of the health care legislation. The truth of the matter is that there are plenty of fairly conservative legislators who support the banning of pre-existing conditions for example. However, in a few years insurance companies will not be turning away someone with a current condition. This includes children, which can by the way stay on a parents policy until 26 years of age.
The rules of Medicaid will be changing also. As an adult without children, Medicaid benefits were not an option. However the new bill states they are eligible without having children.
While these and additional new rules give Americans mixed emotions, many wonder if it is really a benefit. If you do not have insurance you will be penalized. To some this may not be a big deal. Those who are in poverty may decide to just pay the penalty because it may be cheaper than paying a monthly bill. The penalty to not have insurance is $698 or 2% of their income.
It is difficult to argue that when a person losses their job and their income they are expected to get insurance. It is a matter of showing people the necessary compassion in order to be successful. There are plenty of people out there who want to work, but simply can not find a way to acquire health care.
The issue of lifetime caps is another factor that the health care reform legislation addresses. The health care legislation wants to make sure that plenty of people out there do not get caught in a real mess and they have to end up filing bankruptcy. If a family member gets sick, the rest of the family will not have to go bankrupt.
Many questions are being raised; will Americans be helped by this bill or will it hurt them as a whole. Will insurance companies be able to prosper? It will not be until 2014 when we will see and feel the changes. It is the rich and the poor divided; the rich a little mad about more money they have to pay and the poor happy they are getting help. The real question is where is the compassion.
The key question of how Obama is changing health insurance for Americans will not be truly answered until the year 2014. We will then see what will happen with this legislation when it becomes enacted. Many more Americans will be forced to be insured by Medicaid. Be expected to see other insurance costs increase also. With good points on both sides, only time will tell.
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