Friday, March 26, 2010

Affortable Care Act... what is it and why I think we need to stop arguing about it?

Matthew Yglesias wrote in his blog an article called: "What's in the Affordable Care Act?". This article talks about some of the things that he believes are the most important benefits coming with the Affordable Care Act (ACA). He empathized how with this act "kids" will be able to stay in their parents insurance until they reach the age of 26 years old. Also he mentioned that no insurance will be able to deny health insurance coverage to children with pre-existing conditions. Between other things he talks about the increment of funding towards the community health centers, the new rebate for medicare beneficiaries to cover the prescription drug coverage once they hit their gap, and how the consumers are going to be more protected against the insurance industry malpractice, or should I say abuse?

The Affordable Care Act (Bill H.R.3590) is a “product of the health care reform agenda of the Democratic 111th Congress and the Obama administration.” This act was designed to “protect” and increase the benefits of the patients. There are many benefits coming with this law, but like everything in this world it has a cost. There are people in favor that believes that due to the large number of uninsured Americans, direct and hidden costs have been created and it’s shared by all, “and that extending coverage to all would lower costs and improve quality”. There are also people that are opposed of to this law because it requires people to have a health insurance, their argument is that this violates their personal freedom and that other ways to reduce health care costs should be considered. I believe that both sides are correct to a certain point. Some of the people that support this act is because they have a loved one that have a medical condition and aren't able to afford treatment without medical insurance. Others are opposed to this act because they only think about themselves, how they would get affected now and not how it might affect them later. In my personal opinion I believe this act would affect people more positive than negative. I used to think like the people that are against this act, because all what I cared about was me and how things would've affect me economically. But now I have a family to take care of and a baby girl that was diagnosed with autism. I have seen how much health services cost when you don’t have a health insurance. I also have seen how, even having insurance, you can still getting denied some services. But thinking in changing insurance is something out of the question, because almost no insurance will cover for services of a “pre-existing condition”. So instead of arguing, yelling, threatened each other and trying to find ways to eliminate this act, what we need to do is act like adults and find a way to amend this bill in a way that “everybody can meet in the middle” and get benefit from it.