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Insured individuals are paying for insurance and paying for most of their healthcare costs in addition because of the exorbitant deductibles. PPACA's prohibition of these practices ultimately forces health care companies to raise the bar and give health insurance customers more value for money.
Public-Private Partnerships Prevent Bureaucratization of Health Care
There are widespread misconceptions that the PPACA will provide health insurance through some government-run bureaucracy. Actually, PPACA is built on close cooperation between health insurance companies and the government. Under PPACA, the government does not operate hospitals nor does it provide medical insurance to individuals. Actually, it requires individuals to carry some form of private health insurance or suffer a penalty. The only time the government becomes involved is when an individual refuses to or is unable to obtain health insurance, after which the government will either fine the individual or subsidize the cost of health insurance for the individual (if individual meets income requirements).
Preventative Care
The most insidious effects of the current healthcare framework come not from hospital balance sheets but from patient medical records. Our current system discourages uninsured individuals from seeking preventative and early-stage care at medical clinics. Instead, it makes these individuals passive and helpless, guaranteeing them relief only when their condition has risen to the level of an emergency and often beyond the point of effective treatment. This is a healthcare framework designed to concede treatment only when it is too late and when it is most costly. It is no wonder that critics view the nation's healthcare needs as hopelessly expensive and burdensome.
A framework which allows individuals a choice on health care empowers these individuals to take charge of their health and also to take charge of their lives. The ability to visit your general physician for a check-up or for minor ailments without incurring a deductible will obviously uncover previously undetected health issues. The obvious...
The business model of our health insurance industry is designed to discourage and delay medical visits for as long as possible. As a result, our medical conditions are developing faster than we can treat them. The only sustainable way to deal with our health problems is to prevent them. This cannot be accomplished by a healthcare system that denies universal healthcare, discouraging prevention-based and a pro-active approach to health maintenance.
Bibliography
Patient Protection and Affordable Care Act. Public Law 111 -- 148. Available at http://www.gpo.gov/fdsys/pkg/PLAW-111publ148/pdf/PLAW-111publ148.pdf
Patient Protection and Affordable Care Act - Summary. http://thomas.loc.gov/cgi-bin/bdquery/z-d111:HR03590:@@@L&summ2=m&summary
"An Analysis of Health Insurance Premiums Under the Patient Protection and Affordable Care Act,
Letter to the Honorable Evan Bayh." Congressional Budget Office. Douglas W. Elmendorf. November 18, 2009. Available at http://cbo.gov/ftpdocs/107xx/doc10781/11-30-Premiums.pdf.
"Analysis of Subsidies and Payments at Different Income Levels, Letter to the Honorable Harry Reid." Congressional Budget Office. Douglas W. Elmendorf. November 18, 2009. Available at http://cbo.gov/ftpdocs/108xx/doc10822/Reid_Subsidy_Examples_11-20.pdf.
"A Comparative Analysis of Private Health Insurance Provisions of H.R. 3962 and S.Amdt. 2786 to H.R. 3590." Congressional Research Service. Chris L. Peterson. December 16, 2009. Available at http://assets.opencrs.com/rpts/R40981_20091216.pdf.
"Insurers Plan Rate Hikes on Health Law." Wall Street Journal. September 7, 2010. Available at http://online.wsj.com/article/SB10001424052748703720004575478200948908976.html?mod=WSJ_hpp_MIDDLETopStories
"The 2010-19 Impact of PPACA on Budget Balance." Econbrowser. March 12,2010. Available at http://www.econbrowser.com/archives/2010/03/the_cbo_and_the.html
http://www.heritage.org/research/reports/2010/09/the-uncertainty-of-health-care-projections http://www.heritage.org/research/reports/2010/09/the-uncertainty-of-health-care-projections
Bibliography
Patient Protection and Affordable Care Act. Public Law 111 -- 148. Available at http://www.gpo.gov/fdsys/pkg/PLAW-111publ148/pdf/PLAW-111publ148.pdf
Patient Protection and Affordable Care Act - Summary. http://thomas.loc.gov/cgi-bin/bdquery/z-d111:HR03590:@@@L&summ2=m&summary
"An Analysis of Health Insurance Premiums Under the Patient Protection and Affordable Care Act,
Letter to the Honorable Evan Bayh." Congressional Budget Office. Douglas W. Elmendorf. November 18, 2009. Available at http://cbo.gov/ftpdocs/107xx/doc10781/11-30-Premiums.pdf.
"Analysis of Subsidies and Payments at Different Income Levels, Letter to the Honorable Harry Reid." Congressional Budget Office. Douglas W. Elmendorf. November 18, 2009. Available at http://cbo.gov/ftpdocs/108xx/doc10822/Reid_Subsidy_Examples_11-20.pdf.
"A Comparative Analysis of Private Health Insurance Provisions of H.R. 3962 and S.Amdt. 2786 to H.R. 3590." Congressional Research Service. Chris L. Peterson. December 16, 2009. Available at http://assets.opencrs.com/rpts/R40981_20091216.pdf.
"Insurers Plan Rate Hikes on Health Law." Wall Street Journal. September 7, 2010. Available at http://online.wsj.com/article/SB10001424052748703720004575478200948908976.html?mod=WSJ_hpp_MIDDLETopStories
"The 2010-19 Impact of PPACA on Budget Balance." Econbrowser. March 12,2010. Available at http://www.econbrowser.com/archives/2010/03/the_cbo_and_the.html
http://www.heritage.org/research/reports/2010/09/the-uncertainty-of-health-care-projections http://www.heritage.org/research/reports/2010/09/the-uncertainty-of-health-care-projections
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