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The year 2010, witnessed a remarkable stride in the healthcare segment of the United States. In March, new healthcare reform floated in the States under the supervision of the then President of America, Barak Obama. The change nicknamed as Obama Health Care Reform. In the United States, the reform executed under the United States Congress. Previously Obamacare was known as The Patient Protection and Affordable Care Act (ACA). And the plan with due consideration from President Obama gathered momentum and achieved prominence. “Obamacare” the pseudonym of Affordable Care Act transformed the healthcare and health insurance sector in the country. The term “Obamacare” was first introduced by the opponents and the president later himself embraced the word. The Affordable Care Act’s major provisions came into the field and mainly changed the healthcare and health insurance sector. Obamacare helped to increase the number of ordinary people holding a health insurance policy. As a result of which the population without healthcare insurance or uninsured area of the mass decreased rapidly. According to analysis and reports around 20 million people after the reforms came under the coverage of health insurance because ACA made it mandatory for citizens to hold a health insurance policy. The boost was also due to the introduction of new taxes, rate cuts, new investments to the Medicare provider and Medicare Advantage plan. This rise also majorly changed the financial as well as the budget sector of the health industry in the United States of America. It revamped the individual insurance market; people purchased their policies and Medicaid which is a program for the lower income group in America expanded rapidly. In general, there is thinking or sense of thought that Obamacare has only affected or has made a mark in the health insurance segment of the society. But it has significantly altered the healthcare sector of the country. According to some reports, the reform reduced the overall deficit in the budget and annulment of ACA can change the insights of the budget and can increase related deficiencies. Obamacare or Affordable Care Act not only marked a sign of improvement in the budget but also it acted on the development of the healthcare section as well as detailed costing and growth in the healthcare section of the nation. The ACA law also worked and changed the way of several delivery systems in the segment of healthcare. With the effect of the law, the overall expense in the section of healthcare decreased and slowed down by the betterment of facilities in the genre. But the ACA or Obama care reform practically touches more than the healthcare segment it affects almost every related industry in America. Starting from hospitals to doctors and related and relevant sectors come under the purview of the ACA law and reforms. The Obama care reform primarily aimed to retain the policies or norms involved in Medicare, Medicaid as well as the plans made by the employer market. The law compelled the insurance market and the insurers to charge the rates as prescribed by the statements of the law. Every policyholder as well as policy seller after the introduction of the legislation became bound to or were compelled to follow the stated norms disregarding pre-existing conditions of people. As a result of which the beneficiaries of the health insurance sector faced certain adversities. And to the fray with the resultant adverse effect, specific mandates were introduced in the market that declared “essential health benefits”. However, to add further benefits to the citizens especially of Lower income group as denoted by the Federal Poverty Line certain premium subsidies were announced under the law.
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I am authorizing a licensed Health Insurance Agent to review, to submit into a free plan or to refer my Health Insurance enrollment to a qualified entity whenever deemed necessary. I as a customer allow access to my Healthcare.gov or Medicaid accounts to make any updates/uploads as necessary and also to review and advise year to year, using any and all reasonable efforts to ensure that I the customer have a sound decision in my Healthcare plan for the year. I as the customer agree that I qualified for one of the many SEP’s during the year of 2022. (Ex: qualified for unemployment, Covid 19, Etc) I as a customer acknowledge receipt of HIPPA Privacy Information at the time of enrollment. By filling out and providing my personal information and signing, I certify that all of the above information is correct to the best of my knowledge and I give authorization to be enrolled into a free health insurance plan.
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