The administration and operating costs should be reduced to 20% of the premium earned. The 80% of the expenses should be spent on providing healthcare services to the holders of health insurance. The law further states that in case the insurance organizations fail to follow they are required to rebate the insurance premium to consumers. The unreasonable premium increase will not allow the companies to mint profits. They will be required to rebate $4 million in State of Kansas alone. The amount is $91 per family in the state having an insurance cover (HHS, 2013). The legal implications for not spending on health have enabled the insurance services providers to facilitate their consumers.
New Care Act support preventing illness:
The individuals of Kansas State are now enabled through the Act to seek insurance cover even after having pre-conditions for their health. The coverage plan for individuals with pre-conditions has enabled 525 residents of the State. The new Act has also enabled the Kansas government to receive $6 million since 2010 from the Prevention and Public Healthcare Fund as created after the implementation of Affordable Care Act. The longer productivity and improvement in living condition throughout United Sates and individual member states were benefited through these funds. The fund is also helpful in supporting the efforts for preventing illness. The Act is also beneficial in increasing support for the community health centers in the State. The operational community health centers and their sites are 16 and 48 respectively (HHS, 2013). The healthcare community centers and sites received a large amount for its operational support. The capital required for the projects enabled a thorough operations and achievement of Affordable Healthcare Act's objectives.
The healthcare promotion and improvement in operating procedures of insurance companies have enabled the governments to provide affordable healthcare facilities to the citizens. The rural, urban, and frontier communities are served through increased investments in the National Healthcare Services Corps. Nearly 10,000 Corps clinics are operating throughout the nation to provide healthcare facilities to underprivileged and communities living in remote areas. The National Healthcare Services Corps also pays for the loans of physicians and medical staff working in remote areas. It also provides scholarships to the individuals serving in areas where there are very few medical practitioners available to serve communities (HHS, 2013).
The Grants that Kansas received:
There had been numerous grants and finds made available through federal government to all states implementing Affordable Healthcare Act. The grants are in terms of research, improvement in administrative and operating procedures. It is also for coverage of additional healthcare access community. Moreover the National Healthcare Services Corp is providing $300,000 a s a grant for the repayment of loans and scholarships for medical practitioners working in the areas where there is a shortage of staff. The $5.7 million is provided for healthcare professions demonstrate projects. The grant of $4.4 million is received in order to expand healthcare clinics capacity and modernize the facilities. The family to family healthcare information centers are also provided with adequate amount of funding. The $6.2 million is granted to the Maternal, Infant, and Early Childhood Home Visiting programs (HHS, 2013).
The Patient Protection and Affordable Care Act of 2010 have created a complete turnaround of the United States healthcare system. At the same time the required implementation through Supreme Court's decision is also beneficial for State's citizens. The introduction of law has created a room for underprivileged and low income individuals to take advantage of the healthcare facilities. It has not only created essential grounds for healthcare insurance companies to increase their spending in providing facilities for consumers but at the same time required them to offer a number of preventive illness covers. The reasonable amount of premiums is also controlled through legislation. Therefore multiple advantages and benefits are extended to the medical professionals helping the community in remote areas.
HHS.U.S. Department of Health & Human Services, (2013). How the health care law is making a difference for the people of kansas. Retrieved from website: http://www.hhs.gov/healthcare/facts/bystate/ks.html
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Kingsdale, J., & Bertko, J. (2010). Insurance exchanges under health reform: six design issues for the states. Health Affairs, 29(6), 1158-1163.