Photography by Jeff Pistana

Denver and Boulder Photographer serving all of Colorado and beyondPlease call:  303-665-7504E-mail

3 Benefits of Obamacare

The Affordable Care Act, popularly known as "Obamacare," is legislation that intends to provide more affordable health care insurance to a larger number of Americans, and to improve health insurance for all Americans. The program was signed into law by President Obama in October of 2010 and began to take effect in 2013. Much of it will come into effect in 2014 and continue to take effect through 2020. 

There are many benefits to Americans as a result of this legislation. Three of the most significant benefits are as follows:

1.  Obamacare is estimated to provide health insurance to thirty to fifty million Americans who did not previously have coverage, most of whom could not afford it. Health Insurance Marketplaces (also called Exchanges) have been created, which allow consumers to compare health insurance plans from many different providers that include all the benefits and protections of the new law. Some of these benefits include coverage for emergency services, hospitalizations, laboratory services, prescription drugs, preventive care, and maternity care. 

2.  No one can be denied health care coverage because of pre-existing conditions.  Until Obamacare took effect, insurance companies could refuse coverage to individuals who were already suffering from serious health problems.  This also applies to people who are healthy currently, but have suffered problems in the past.  Furthermore, insurance companies are no longer allowed to increase premiums for those with pre-existing conditions, nor can they deny coverage to people who become sick after they are already enrolled.  In addition, no can be charged more based on gender or health status.

3.  There are now no limits on annual or lifetime healthcare expense coverage, which protects Americans by allowing them to continue treatment as long as they need it. Prior to Obamacare, people could run out of coverage or benefits if the total costs of services exceeded a certain amount of money throughout a year. In that case, they would find themselves without coverage for the remainder of the year, and at risk of bankruptcy.

Additional benefits of Obamacare include significant improvements to health services for women and seniors, reforms to the healthcare industry to reduce wasteful spending, and new preventative services at no additional cost.

Obamacare has been controversial because opponents of the plan claim that it will be too expensive and increase taxes unfairly.  However, most people seem to agree that the benefits of the plan outweigh the costs.

by Jeff Pistana


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