How Does The Affordable Care Act Work? 

+Backpackfanatic - I hear the Obama Administration will pay $400 million to people who call us stupid on video......

Explain this to me: Why wouldn't this work? It works in Germany for example. And I am in insurance and finance. Fix your system.. It is just weird to see that a country like the US isn't able to have good public education and healthcare. In Germany 99,99% have healthcare, we habe public schools and universities which are good, next to no mass shootings, prisons arn't full, and and and we can still get rich.. Not everything is perfect, but it is a whole lot better for the general public then in the States.

@@emilytucker4607 you do realize that calling people names, doesn't work in the grown up world? Hope you will learn this when you get maturer. And it's not my fault that I am right. 😊👍🏻

​@@yannicanguelov3170 In regards to the Affordable Care Act, it wanted to get more people covered and reduce the cost. It was able to get more people covered but it increased costs. There were people who couldn't afford health insurance or had limited coverage. The ACA expanded medicaid so more low income people could qualify for it, made insurance companies cover people with pre-existing conditions, and increased what health services insurance companies had to cover. This increased health costs. The ACA tried to reduce costs by mandating that everyone get insurance or pay a penalty. It added some more taxes like a 2.3% medical device, 10% indoor tanning tax, etc. But in the end, health costs still went up. And slowly they have been repealing parts of it. There is no longer a penalty if you don't have insurance and some taxes like the medical device tax have been suspended. This means costs keep going up. In addition, if you choose not to get medical insurance and then develop an illness, the ACA will allow you to be covered. So some people may choose to go without insurance until they get sick. Which all leads back to prices going up. The US and Germany are so different it's hard to reform the US system because everyone has a different opinion on how to reform it. Our health insurance is tied to jobs because of WW2. Hospitals may charge you less if you are paying out of your own pocket instead of through insurance. It's easier to sue doctors in the US so doctors may order extra tests which increases costs and they have to get malpractice insurance which further increases prices. Medicare/medicaid don't pay out as much to doctors/hospitals as private insurance pays and there are some doctors that won't take it. And Medicare does deny people a little more than private insurance. Some people want single payer system in the US but some will look at the VA, the US version of single payer but only for veterans, and see how bad it is. There's also expanding Medicare so it covers everyone. But jobs will be lost and will it be as good? There's so many things to consider.

@@yannicanguelov3170 no black people either

Racism

Free market =/= "multiple health insurance suppliers" That simply isn't what a free market is. A free market is when government regulatory capture isn't involved whatsoever. With all the government regulations it is clear that this isn't the case. You can argue about whether that's good or bad all you want, but you are changing the actual definition of what a free market actually is.

​@@michaelshanklin6607 unregulated free market is a nightmare, companies cutting corners left and right.

Premiums went way up for everyone and we got fined if we dared not to pay the extreme premiums.

A few questions out of curiosity: How did you conclude that the quality of life exceeds that of the U.S.? What standard/s are you using for your claim? An observation: Schools are not socialized. US has Public, Charter, Private, and Home Schools. Socialized roads? It is a pay per use system, taxed through fuel consumption. If I choose not to drive, I don't pay for other people to drive. Plus, with the infrastructure makes no logical sense to have 20 different suppliers of roads. (Same as water, power, cable, gas suppliers) Social Assistance? Yes, by definition that is socialized except I am not required to take assistance if I choose not to and it does not apply to everyone.

Businessinsider, mapsofworld, etc several studies in fact show that socialized nations have higher standards of living than the U.S. Public schools in the U.S. are funded by taxpayers. That's socialism. Roads are built maintained through taxes. That also is socialism.

I think you might be under-defining socialism. Just because something is paid by the taxpayer doesn't automatically categorize it as "Socialism." Public services are funded by the public and managed by the representative chosen by the public. (aka. Government) Once again, the road system is an unfair comparison because the infrastructure of roads is public, for public use, managed by the people that make up the public. (i.e. Government Representation). New roads are not built without voting (public voice), and old roads are not repaired without voting. There are also private roads and private communities that the gov. doesn't manage. To define socialism, you have to define capital first then define who controls that capital. That is how you can define socialism. Capital controlled by the State is Socialism. Capital controlled by the people is Capitalism. Socialism has very little to do with the communal properties and services overseen by the government because of its public access and use.

Government collects taxes. Taxes are then redistributed to society. Socialism is a political and economic system whereby social welfare is maintained by the system.

This is a common misconception about socialism. If socialism is what you define it as, then it really isn't that big of a deal however, you define it incorrectly. Social programs run by the government (by election of the people) and socialism are commonly confused for each other. The government only collects taxes that the people have agreed to pay, and only distributes them as the people agree to distribute them based on public voting. In that system you described, the government still relies on privately owned production (Capital) for its subsistence. Socialism is when the centralized governing body controls that capital, and therefore, production and distribution of goods/services are controlled by the same entity. We cannot have a friendly conversation about the merits of a socialized system if we do not agree on the definition of Socialism.

That sounds bad and i can see why you are upset. What state do you live in and did you get your quot from the Official Affordable Care website?

Here we are 5 years in the future and it's every bit a shit show huh?

Explain this to me: Why wouldn't this work? It works in Germany for example. And I am in insurance and finance. Fix your system.. It is just weird to see that a country like the US isn't able to have good public education and healthcare. In Germany 99,99% have healthcare, we habe public schools and universities which are good, next to no mass shootings, prisons arn't full, and and and we can still get rich.. Not everything is perfect, but it is a whole lot better for the general public then in the States.

you mean to tell me that obama doesn't follow the constitution and lies? Shocking

Yeah and these leftest TRAITORS WANT ILLEGALS TO HAVE FREE HEALTHCARE!!!$$$$ OFF OF US, MEANWHILE WE CAN'T AFFORD TO GO!! MY SON LOOKED AT A CHIEF KNIFE I GOT FOR CHRISTMAS AND ACCIDENTALLY HOT CUT BY IT BECAUSE THE SHIETH WAS OPEN ON THE END, IT'S NOT MADE RIGHT! $$$$ WE JUST GOT THE BILL the cost of seven stitches according to them is $3,000 WE CAN'T AFFORD THAT! THIS IS UNBELIEVABLE TO ME!😂🤣😂🤣🤮🤮🤮🤮

rfdsdf1 Yep, furthermore, if you don't have money for insurance, lets CHARGE poor people $125 a year when they don't have $125 to even see a doctor once a year LMAO! fucking shitty USA left wing progressive filth PC nightmare we are living in...

+kenmastersmaster try $695.00 as of the 2016 tax year and $325.00 this year. Also the IRS is going to start direct enforcement in 2016, meaning that instead of taking it out of our tax returns, which is bad enough, they will start sending bill collectors after us and seizing property if we can't pay.

+kenmastersmaster Actually there's a waiver for those that can't afford insurance. What was that you said about the left?

+HumanOddity69 _ It will get shit canned by 2016.

+Lightspeed a waiver? i made 10,900 in 2015, i cant afford insurance and they sure as fuck fined me 325 bux

Here we are 4 years from your comment. It sucks. Stay in the past Captain.

Free market is a myth lol

what makes you think anyone else would do it differently? you obviously underestimate how messed up people are. Ever hear of the Stanford prison experiment>? there are many other studies that demonstrate how situation can influence the behavior of everyday people.

😂

Health is a basic human right. Unfortunately, when those without health insurance get ill or injured, hospitals still take care of them. That cost is redistributed to paying individuals with health coverage. The mandate insures that every single person pay what they can so that cost is not placed on others. Still needs work but our country is moving in the right direction.

Health care is no more human right than eating at a 5 star restaurant. On what premise is anyone entitled to another persons wealth?

Healthcare is not a human right.

Because the progressives and democrats have been attempting to get people to vote single payer system for more then 30 years and the republicans (who have been in charge of the house and senate for years) refuse to pass it. I know when Paul Ryan finally gets hold of the medicare and privatizes it so it goes broke, a giant chunk of the republican party will finally be culled. After all, republican states collectively pay less in taxes then their states extract. Are in need of healthcare due to poor access of healthcare. Millions still stuck in the medicaid gap not so with the 31 states that did expand it. Watch the 2011 presidential debate 'republicans cheer let the uninsured die'. RU-vid it when Ron Paul was talking. That's your base and I am glad the republicans will finally cull their own party. Time to cull the ignorant.

Right. Since when should a president force his vision of healthcare upon us, AND HE DIDN't HAVE TO TAKE IT! Neither did his cabinet.

well Europeans aren't exactly known for being able to take care of themselves since 1914 so I would understand

Christina Mata oh shit u just bashed that guy

If you have half a grand you don't mind losing each month. Especially with Corona pandemic and government not doing anything to work with big pharma to get prices down on that end, healthcare is just out of reach for a massive portion of Americans.

+Renee Lanning Don NOT have any more children. Gov't policies are designed to make esp. kids broke and drive them into the Employer of Last Resort i.e. the military. We don't have a draft anymore. They print money, they don't need to tax you, they print what they need to manipulate you. They own the land and everything on it including the people. It doesn't matter who lives on the land whether Indians or modern people, they are never done bringing the land to heel. Don't have kids thinking anything will get better someday or it will all work out okay; it won't. Everyone is enslaved, used, and discarded.

I'm poor lower class American born in poverty, but since Obamacare, I have full coverage for a very low cost per doctor vieit. OBAMACARE WILL WORK FOR SOME LIKE ME, AND NOT FOR OTHERS.

That is unfortunate. Must be an issue with the company he is working for if your monthly premium is so high. Maybe joining a healthcare exchange plan would help you.

***** , Right. The people who are rewarded for not working and who get it for free or low cost (so they'll keep voting for more free shit) keep telling me I'm either lying or doing it wrong. Hard working ACTUAL citizens are being punished. While welfare leeches are rewarded. It's time for a change in this country.

But that's the problem.

Chau Nguyen you can read the 2000 pages yourself, have FUN!

+Keko Moore And what are their complaints now? Too much time talking to doctors getting help?

This is because, across the board, men have a statistically significantly higher risk of causing or being part of an accident. Women do not have a comparably higher risk of medical issues across the board. Sure, women may have a higher risk of say, breast cancer, but men have areas in which they have a higher risk than women.

***** I know it all supposed to be based on statistics,which in turn is really just stereotyping and is borderline discriminatory. Anyway woman get pregnant so I could see a difference in medical costs based on that.

No, because car insurance and life insurance are luxuries. Health insurance is a necessity.

Explain this to me: Why wouldn't this work? It works in Germany for example. And I am in insurance and finance. Fix your system.. It is just weird to see that a country like the US isn't able to have good public education and healthcare. In Germany 99,99% have healthcare, we habe public schools and universities which are good, next to no mass shootings, prisons arn't full, and and and we can still get rich.. Not everything is perfect, but it is a whole lot better for the general public then in the States.

@@yannicanguelov3170 Your questions are all unrelated to your original question, please try again.

@@yannicanguelov3170 Careful to try not to hit one of my follow Americans with too much rationality. It may make them angry and resentful. I wholeheartedly agree with you.

Bless your heart! Goodluck! I have a young grandson that doesn't have insurance right now and i really WORRY about him.

Take your ass to Europe and there then

Indeed, ACA is good due to flexibility in choice. Over here we pay 12% of total income for a universal health service and contribute about 5% to a compulsory private pension provision. Some Americans are really dumb to realize the reality that healthcare is expensive and ACA does indeed make healthcare affordable.

Why don't you explain why it doesn't work. Please articulate, instead of echoing the same crap you have been programmed to believe. I'm waiting with guns cocked. Please do your research first and make sure you know what you are talking about.

@@Justice777Allah - The answer is simple. You do not have a right to health care. Health care is not listed anywhere in the Constitution or the Bill of Rights. Your rights include life, liberty and the pursuit of happiness. Nothing more and nothing less. I will now explain why it doesn't work- IT IS NOT CONSTITUTIONAL.

@@robbygee2539 lmfaoooo. You waited all this time to offer up this response? Where did you grab this from? So someone told you healthcare doesn't work because it is not in the Bill of Rights???? Sorry sir, this makes no sense to me. Our political party system works, is that part of the Bill of Rights or anywhere in the Constitution? The mortgage system works, is that in the Constitution? Is the Constitution some magical panacea that determines what works? Your response makes no sense to me. The ACA works, Medicare works, Medicaid works, we just need to continue with the necessary tweaks as time progresses. Nothing is perfect. I tell you this much, the ACA is a million times better than the system we had in place. I know because I work in the industry.

Here we are 2 years later from your comment and it's even worse.

Hallellujiah someone who gets it

Joseph Chiappetta What would you propose as a solution?

VoyagerOne Free market solutions. Google: "free market healthcare solutions"

Boat I fail to see how that will solve the issue. The underlying notion of the free market is a business principle. Health care in not a business because it's in regard to quality of life. I really don't understand why we're comfortable with treating healthcare under a business model.

VoyagerOne because when we leave stuff up to the government, they make it way worse and are never held accountable like the free market is. Don't like your free market plan change it, someone else will take your business, don't like your governments plan because it doesn't think you need the treatment, too bad.

Yes, I know he is a lier. He has reclining chairs all over the Whitehouse!!! I have even seen pictures of him reclining. Recorded proof. Lier(noun) ones who reclines. a person or thing that lies, as in wait or ambush. But I rather him relax and recline than be a liar. : P

Oh, because you are above reproach?

Clayton Riisoe maybe trump supporters like this type of "logic" but people with a brain expect you to back up what you say with facts

IRIS THATS THE PROBLEM IN THE USA TODAY ALOT OF PEOPLE COMING FROM THIRD WORLD COUNTRYS WERE THEY GET NOTHING AND THEN COME HERE WHETHER LEGAL OR ILLEGAL AND WANT EVERYTHING ON SOMEONES ELSES BACk.BARACK OBAMA SCREWED EVERYTHING UP BY BEING A SOCIAIST .MY INSURANE WENT UP FROM 300 deductatble to 1600 deductable.THE PREMIUMS SHOT SKY HIGH NOW TRUMP HAS A BIG MESS TO CLEAN UP THIS IS THE ONLY COUNTRY IN THE WORLD WERE POOR PEOPLE GO TO THE DOCTOR TONS AND TONS OF TIMES AND DONT PAY A PENNY.IM NOT RESPOSIBLE TO FEED CLOTH AND PAY OTHER PEOPLES MEDICAL BILLS WILL YOU PAY MINE I DOUBT IT

dude weed lmao

Actually, the people in Japan go to the doctor three times more than the people in the United States. That is the main reason their universal health care plan is having financial difficulties. We are one of the only modernized countries in the world that does not have a universal healthcare plan that is no cost to a very small cost to it's citizens. Obamacare was just trying to catch us up to the rest of the world.

I agree grs. I live in a very blue city in northern new jersey, where everyone supports the Dems only, and see any kind of border control as racist; voter ids as racist. I almost laugh when I go to vote and I just state my name. Seriously! Oh, and there is a large immigrant population and high poverty in many parts.

Who’s your classes

I am not here to defend the Affordable Care Act, ACA, but to question a couple of the cited issues above against it. This is all about critical thinking. We have to look at premises being put before us and evaluate them properly. 1 - "Let's also not forget the fact that the government can't even run the DMV effectively." This is comparing apples and oranges. The Department of Motor Vehicle Services or Department of Driver Services or whatever your jurisdiction calls it is a function of state government not the federal government that will ultimately run ACA with the states as clients. Now I will agree that the federal government has a spotty record in some areas but if it were as incompetent as anecdotes would have you believe, we would not be the country people are dying to sneak into for the chance of a better life. Things would be more like a developing nation. 2 - "Providing everyone with healthcare would simply push the cost to others." This is generally how insurance works. Risk is shared among many people. Let's say you buy a car and as soon as you drive off the lot you hit a pole and total your car. You may have paid your first premium or not but you expect to be made whole for your loss, I'm sure. I doubt you would say, "other insured should not pay for my car." The insurance companies know how to price the products so that they can make a profit and cover the risk that they expect in a given pool. Again, I am not here to defend the ACA or knock it. I would, however, like to see readers and contributors think critically about the issue not simply react viscerally.

Preparing ForSHTF Thank you for taking the time to respond. I enjoyed reading your response. You bring up some solid points. 1. You're absolutely correct. The DMV is state run and it's a bit of a poor comparison now that I think more about it. Let's take a federally run program. I'm a gun owner so ill use applying for a suppressor as an example. Let's say I want a suppressor and I have no criminal background whatsoever. I have to apply and wait for several months, sometimes up to a year, to be approved. This is how long it takes the Feds to run a background check and finish paperwork. I can't imagine a healthcare system with ~350,000 people on it running any smoother. 2. By purchasing insurance we are all accepting a bit of risk. The reason we do so is because the risk is generally lower than the risk of not having insurance. I'll take your example. There's a much higher chance that ill crash than the insurance company go under. This is why we get insurance. The difference between this example and ACA is now I have health insurance at a much higher cost and risk. When ACA is enabled, the govt will put a price control on available plans. This will force the company to push the cost onto us. Here's where the problem lies. If companies can't deny someone because of preexisting conditions, suddenly a bunch of people will flood the market. The people that are now "sharing the risk" with you are sick and require a lot more money to stay alive. Most of them won't be able to pay for all of it. Three things can happen. 1. The company will raise everyone else's rates. 2. The govt will subsides it. This in turn will raise your taxes. 3. The company collapses because of the "shared risk". In conclusion, the ACA destroys the healthcare system of "shared risk", because it forces companies and people that are purchasing insurance from these companies to take on a much higher risk for a greater cost. It is terrible that some people can't afford insurance, but dragging everyone down to a socialist healthcare system isn't an option.

Nothing but lies with a healthy side of Bullshit my god no way has this moron read all 15,000 pages and the only thing worse than its rollout was when Coca-Cola tried to chagne its flavor UGH !!!!!!!!!!

Contact me in 5 years and we will have a discussion about whether or not Obamacare succeeded. For now though, any negative opinion of it is fueled by mainstream propaganda, wheras positive opinion is formed by a basic analysis of quality of life vs. legislation such as this. You are terribly mistaken if you think that America is the best place on Earth to live.

Gun Runnerz Need a better example than the DMV?! Try Tricare!

if you have a plan that you like you can keep it. That was what was said, no matter how hard you try and spin it, that is what was said. And that is not all, the plan forces many more people onto medicaid than would normally not be qualified to push medicaid bankrupcy faster. Not only is that fun, but how many young adult males will sign up for a plan that forces them to cover birth control pills for them in case they get pregnant? Nice try with the spin, go back to liberal fantasy land

crawl back under the rock from which you came, and maybe take a look at the document that we have to pass to see what is in it again

No but you obviously havent either, nor have you seen the huge destructive impact it has had on those who pay for their own insurance. There is a reason that obama is desperately trying to delay the bill until after 2016, because i could run for the senate this year saying i appose obamacare and dethrone any democrat. Its a huge fail and your too stupid to realize that. MSNBC is calling, i think you got a job based on your idiotic left wing spin. Make sure George Soros is paying you for this stupidity

Dude you sound like your talking from august of 2013 before the bill was actually implemented. Take a look at soaring deductibles and other costs that are rising through the roof right now thanks to this. Or maybe you would like to use the democrats new strategy of being unemployed because of obamacare is a good thing. And no this isnt freedom, last time i checked freedom isnt forcing someone to get insurance or pay a fine for not getting the insurance. And you really dont want to start on the whole freedom thing there liberal who wants to ban just about everything and have government tell you what to do because if you had a braincell in that hot air balloon you call a head you would just shut up now before more stupidity of yours is exposed

I dont have to respond to this, you have cemented in internet hell how stupid you are for believing all of this crap. You even brought up the race card and helping terrorism because you think this law actually works hahahahaha. It's people like you that make me mad that everyone in the country has an equal opinion in our government and elected officials. I hope you don't reproduce you country destroying moron