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What are the pros and cons of ObamaCare? The ObamaCare pros and cons mirror the complex nature of the new health care law. ObamaCare (the
Affordable Care Act) contains many benefits, especially for low and middleincome families and businesses. ObamaCare also contains some obstacles
for high earners, larger firms that dont insure their employees, and certain sectors of the healthcare industry.

benefits? The average American has a lot to gain and little to lose. Those making more, including larger firms and consequently their employees,
may see negative financial effects. While some groups benefit more than others, most Americans will benefit from the new rights and protections
like guaranteed coverage of pre-existing conditions ( and the elimination of gender
discrimination ( Your health insurance costs may go up in the short run, but the quality of your
insurance just got a lot better. Below we will also discuss the pros and cons of ObamaCare in regards to the economy, healthcare costs, and the
healthcare industry in general.

The YouToons Get Ready for Obamacare

This video does a good job at explaining ObamaCare as a whole and what you need to know about the program. Watching this will make understanding the pros and cons of the
Affordable Care a lot easier.


Here is a quick list of the Pros and Cons of ObamaCare. Remember that you will need to either Get Coverage and maintain it throughout the year or
get an exemption ( you can do this through your States Health Insurance
Marketplace (

ObamaCare doesnt create insurance; it regulates private insurance to ensure you get more rights and protections, and in doing so, helps tens of
millions get access to high-quality Affordable Health Insurance. Of course, health care reform is not without its costs. Below are just a few of
ObamaCares pros and cons:

ObamaCarePros ObamaCareCons

Tens of millions ( To get the money to help insure all these people,
health-insurance-coverage-because-affordable-care-act-new-estimates) of uninsured people there are new taxes
( have access to affordable, high-quality health (
insurance through Medicaid expansion, their employers, and the Health Insurance Marketplace (mostly on high-earners and the healthcare
( industry). The taxes that may affect you directly
are the individual mandate
individual-mandate/) and theemployer mandate
Over half of uninsured Americans can get free or low cost health insurance The individual mandate
(,and some can get help on out-of-pocket costs (
( individual-mandate/) says all Americans who can
their states Health Insurance Marketplace. afford health insurancehave to obtain health
coverage, get an exemption
mandate-exemption-penalty/), or pay a fee. That
createsan extra complication withregards to
filing taxes (
taxes-obamacare/). Some folks who just barely
miss the Federal Poverty Level
level/) limit of 400% are hit the hardest as they
dont qualify for assistance. Those who do get
cost assistance will need to adjust tax credits on
the 8962 Premium Tax Credit form

Over 20 million will be exempt from the fee by 2016. Thosewith exemptions can often still get cost To get many of the exemptions, youll need to
assistance. Exemptions also qualify you for special enrollment. submit a form to HealthCare.Gov
exemptions/exemptions-from-the-fee/)or file
the 8965 Exemptions form

There are now more private coverage options, and all major medical coverage options must provide More options mean more complicated shopping
minimum essential coverage ( for coverage. Keeping a private health insurance
system (
payer/) means that shopping for health
insurance can be confusing, and consumers risk
over-buying orunder-buying. Coverage options
also, by nature, create a tiered healthcare system
where more money equates to a better quality of
care. However, in that respect, nothing has

ObamaCares many protections ( ensure that Insurance companies must cover sick people, and
youcant be dropped from coverage when you get sick or make an honest mistake on your this increases the cost of everyones insurance. To
application. You also cant be denied coverage or treatment for being sick or get charged more for ensure people dont just buy coverage when they
being sick. Additionally, you cant be charged more for being a woman. Other protections ensure need it, most people must obtain coverage or pay
that you have the right to a rapid appeal, that health insurance companies cant make unjustified a per-month fee. Also, coverage can only be
rate hikes, and that these companies must spend the majority of premium dollars on care, not obtained during annual open enrollment periods
paying executives. (
enrollment/).One can owe the fee due to
forgetting to pay a premium, and then not be able
to get coverage until next open enrollment. Some
people were benefiting from being in a low-risk
group. Men in good health with no pre-existing
conditions, who were not responsible for anyone
but themselves, and who remained healthy had
low insurance costs. They may have had cheap
limited coveragebefore the premium hikes took
place in 2014.
All major medical coverage must count as minimum essential coverage. Generally, this means that Minimum essential coverage can only be
coverage must offer ObamaCares protections, coveressential health benefits obtained during open enrollment unless you
( as free preventative services qualify for a special enrollment period. Those
(, limit deductibles and out-of-pocket- who dont understand how to compare plans
maximums, provideminimum actuarial value ( (
insurance/actuarial-value/), and nothave annual or lifetime dollar limits. insurance/compare-health-plans/) or didnt have
coverage before the ACA may be shocked by how
cost sharing works on higher deductible plans.
Also many may get non-minimum essential
coverage like short term
insurance/)insurance because of their confusion.

ObamaCare includes somecost-curbing measures, ( The law also includes spending
control-costs/) which led to health care spending growingat the slowest rate on record (since 1960) (
in 2014. Meanwhile, health care price inflation is at its lowest rate in 50 years. Unfortunately, even debt/). Upfront spending and more regulation is
though the costs are increasing more slowly than they might have, health care costs are steadily required in order to realize long-term cost-
increasing curbing measures.

Medicaid has expanded ( to cover Medicaid expanded using Federal and State
up to 15.9 million men, women, and children who fall below 138% of the poverty level. funding. Not all States have to expand Medicaid.
The states that have chosen not to expand
Medicaid leave 5.7 million of our nations poorest
people without coverage options.

CHIP ( has CHIP also uses Federal and State funding.
expanded to cover up to 9 million children.

The employer mandate ( says that In anticipation of the employer mandate, some
starting2015/2016, businesses with the equivalent of more than 50 full-time employees must businesses have cut employee hours
provide health coverage. (
obamacare-on-jobs/).This adds extra operation
costs to businesses that did not provide health
insurance. Many lower wage employees will find
health insurance unaffordable and end upwith
no affordable options due to having beenoffered
coverage through work (see below).

Small businesses ( with less than 25 full- Employee health benefits can be expensive.
time equivalent employees can get tax credits ( Lower wage workers may end up getting better
business/) for up to 50% of their employees health insurance premium costs. value through the marketplace, but having
employer-sponsored coverage means that they
cant get cost assistance. Also, dependents of
employees with coverage are unable to use the

Young Adults can stay on their parents plan until 26. 82% of uninsured adults will qualify for free Young people tend to be healthy and not to need
or low-cost insurance. Insurance helps everyone get lower prices on healthcare and protects them coverage as often as older Americans. However,
in an emergency. Young adults uninsured rates have dropped 46% (HHS). due to low premiums and the benefits of having a
plan, young people have some of the best deals of
everyone under the ACAwhen purchasing care.

Medicare has improved for Seniors by measures that eliminate the donut hole, keep rates down, cut Some Medicare payments to doctors and
wasteful spending and fraud, and expand free preventive services. hospitals have been limited; Medicare pays
doctors more than any other type of coverage,
and these rates have led to very complex
problems that are driving the costs of health care
up for everyone. In addition, retaining
supplemental Medicare options means confusing
options for seniors. The unfounded death panel
rumor led to cutting out an important provision
in the law that would have provided end-of-life
ObamaCareremains a free market and allows our $3 trillion dollar healthcare industry to thrive. Retaining a for-profit healthcare system has
economic benefits, but it also means that every
aspect of the system requires profit. Americans
have higher health care costs than other
countries, which have more universal
healthcare systems.


This ObamaCare pros and cons list is meant to give you an idea of the most praised and most controversial aspects of the 1000-plus page bill. Many
online sources only want to give you one side of the story we aim to bring you an unbiased look at both the negative and positive aspects of the
Affordable Care Act. Lets continue by discussing the ObamaCare pros and ObamaCare cons for majority groups of Americans. Then we will go
through some specific points of the law that are commonly thought of as pros orcons.


The health insurance marketplace is your states website for health insurance. The
marketplace allows you to apply for federally subsidized insurance and to find out if you
qualify for Medicaid. The marketplace is your best choice for insurance if you qualify for
cost assistance. To find out if you qualify for cost assistance
(, you can go to your states
marketplace (, or a
localbroker orprovider outside of the marketplace.

If you dont qualify for cost assistance, you may Find That Using Any Major Broker isthe
way to go as only certain plans from certain providers are offered in some states through
the marketplace. A qualitybroker can offer you plans, both on and off the marketplace,
from all providers in your state. Insurers have to deal with subsidies and an extra tax for
plans they sell on the marketplace, and some insurers may not offer plans in your region
at all.

Cost assistance makes the marketplaces attractive while having a wider choice makes
shopping outside of the marketplaces attractive. The drawback to shopping outside the
marketplace is that we have a very segmented private health insurance system, which can easily lead to people over-buying or under-buying health
insurance policies. Also, insurers can still sell types of coverage that wontprotect you from the fee (
coverage/) outside of open enrollment. Additionally, some shady, lead-generating sites have used websites that look like official sites to collect
information, and then re-sell your consumer information. (We have done a lot of work to ensure those shady sites dont advertise with us).

No matter what plan you get, youll pay the same premium (before subsidies) the insurance company pays broker fees, and your state controls
insurance prices in your region. Regardless of what option you choose to obtain private insurance, make sure you inquire about cost assistance before
choosing a plan. Learn more about ways to buy insurance (


MarketplaceCostAssistanceandChoicesOutsidetheMarketplace ( is the official Health Insurance Marketplace and is the only place where you can get cost assistance.
Qualified Brokers can help you shop for marketplace plans and you can shop around for quotes outside the marketplace too. Know your options
andget the best coverage at the best prices.

The Average American those making under 400% FLP have a lot to gain and little to lose under the new law. The average American family is
likely to see a reduction in their insurance premiums, and 30 million of the 44 million currently without insurance will gain access to coverage due
toexpanding coverage viaemployer mandate, the health insurance marketplaces, Medicare, or Medicaid/CHIP.

ObamaCare offers someprotections and benefits ( to all Americans. Beyond the 10 essential
health benefits ( mandated by ObamaCare, there are additional benefitsthat range from
working toward eliminating the penalty for having a pre-existing condition to expanding health services. Overall, the quality of health care is
increased, andthe cost, in theory, will be reduced.

Lower income Americans makingbelow 138% of the Federal Poverty Level (FPL) ( may qualify for
Medicaid under Medicaid expansion.

Middle-income Americans (those making between 133% 400% of the federal poverty level) and employees will be able to use tax credits
( and out-of-pocket subsidies (
exchange/cost-sharing-reduction-subsidies-csr/) on the exchanges (obamacare-health-insurance-exchange/) to save up to 60% of the current cost of
premiums, thus making insurance affordable for up to 23 million Americans.

Affordable insurance is defined as costing less than 8% of your annual income. Tax credits cap cost at 9.5% for silver plan for those making between
300 400% FPL. If insurance is unaffordable or you had another hardship, you may qualify for an exemption

During open enrollment 2014, 85% of the 8 million enrollees got cost assistance to help reduce premium costs and out-of-pocket expenses.

One of the cons of ObamaCare is that, since many Americans work for larger employers, some employees may have the new costs involved with
insuring their workforce passed onto them. Other workers will see a decrease in the quality of plans offered by employers, who are trying to avoid
paying an excise tax on high-end health insurance plans. These negative outcomes will affect less than 1% of businesses, and only a small fraction of
these companies are expected to deal with the new challenges by cutting worker hours and benefits or by not hiring new workers. Get more
information on the impact of the Affordable Care Act on jobs here (

When it comes to women (, ObamaCare offers many pros and few cons. 47 million
women will gain access to womens health services, including preventive and wellness services. Many of ObamaCares new benefits for women are
required by law to have noout-of-pocket payments. Also, insurerscan no longer charge women more than they charge men.

There arent many ACA cons that are unique towomen; however, there is the issue of contraception and its availability. ObamaCare expands
contraception coverage, but this mandate is one of the most contested aspects of the new health care bill and, depending on yourviewpoint, can
easily be seen as a con.


Low-income Americans will enjoy more ObamaCare pros than cons. This is especially true in states that expanded Medicaid eligibility. Since
ObamaCare works on a sliding scale, most low-income Americans, especially those without insurance, will see nothing but benefits. Medicaid
expansion will cover over 15 million previously uninsured low-income individuals and families below the 138% FLP mark.

The cons of ObamaCare for low-income Americans are that some states, despite 100% federal funding for the first year and 90% after that, have
decided toopt out of coverage for their poorest thereby leaving 5.7 million without coverage. In some cases, rejecting Medicaid Expansion isnt just
about saving money. In fact, the studies onwhether or not states save at all by opting out have come up with inconclusive results. Its often accused of
beinga politically driven move to break ObamaCare ( The opt-out is projected to leave 2 to 3
million low-income Americans without coverage.

NOTE: The accusations that some state representatives are trying to break ObamaCare isnt something that we are speculating or have made up.
Its readily available information on many of the more conservative blogs. Its no secret that a portion of the GOP wants to repeal ObamaCare.
Theyhave a strategic plan of non-cooperation that includes breaking the Exchanges and Medicaid Expansion. ObamaCare isnt just going to go
away, but while the battle goes on, Americans continue to be caught in the crossfire. Its also worth noting that the number of uninsured, Medicaid-
eligible Americans differs from state to state. Some of the states opting out of expansion have a greater number ofuninsured and,therefore, would
both pay more and cover more of their constituents. Their cost would be great, as would the payment by this insurance to healthcare providers, who
may otherwise have to provide services for free.

ObamaCares pros and cons for seniors include unprecedented reforms to Medicare (, such as
closing the donut hole, and expanding both benefits and coverage options. Millions of seniors have already saved money or taken advantage of the
ACA-created absenceout-of-pocket costs for wellness and preventive visits.

Some of the reforms to Medicare include reductions to Medicare Advantage, home health care payments, and Medicare hospital payments. Some
Medicare reforms have had or may have negative impacts on some seniors and doctors who work with Medicare patients. An oversight provision was
included in the law. An oversight committee is in charge of making sure that the potential pitfalls in Medicare reform dont hurt seniors or the
Medicare industry.

Under ObamaCare Part B, Medicare policyholders saw a reduction in Part B premiums, and the deductible went down for the first time in Medicares
history. However, high-income seniors may pay more due to both the way the Part B formula works andthenew taxes that affect some high earners.


Small Businesses will only see the pros of ObamaCare while firms that dont already provide their employees with health insurance will have to deal
with readjustment. However, only .2% of firms with over 50 employees currently fail toprovide insurance to their full-time employees. A positive
effectof ObamaCare is that it provides millions in tax credits to small businesses with fewer than 25 employees. These tax credits help offset the cost
of buying health insurance for their employees. Small business has historically struggled to provide benefits to workers and half of Americas
uninsured are small business owners, workers, or dependents.

Unfortunately, one of the biggest negativesof the ACA is that many families are finding employer-sponsored plans to be affordable for the employee
but unaffordable for dependents. This has led to a family affordability glitch (
Instead of supporting repeal of the law, we suggest supporting a provision for the families of millions of hard working Americans that wouldallow
them to shop on the Marketplace.


MoreAbouttheProsandConsinObamaCare: Some people oppose ObamaCare as a whole but considering the 1000-plus pages of complex
legislation contained within the Affordable Care Act, its hard to justify a total repeal of the law. Here are some of the things ObamaCare does right
anda few that may have a negative impact on America.


Most of ObamaCares 1000-plus pages are filled with impressive and long-overdue reforms to the $2.6 trillion dollar health care system. ObamaCare
gives 30 million of 44 million uninsured Americans access to health insurance. Tens of millions of Americans have already benefited from
ObamaCares improved health care services, and last year alone, the average family saved thousands on health care costs.


ObamaCare gives Americans access to hundreds of new health care benefits ( However, these
benefits (excluding thosementioned elsewhere on this page) include: No annual or lifetime limits; children can stay on their parents plans to 26; the
FDA can approve more generic drugs, thus driving prices down and breaking monopolies; and protections against discrimination for gender, the
disabled,and victims of domestic abuse. Check out our ObamaCare Health Care Reform Timeline (health-care-reform-timeline/) for a
comprehensive list of reforms.


Millions of Americans now have access to preventive and wellness services atno out-of-pocket cost. Specific benefits can be found on our Benefits of
ObamaCare (benefitsofobamacare/) page.


In whats commonly referred to as the rate hike review, ObamaCare regulates insurance providers withthe 80/20 rule. Thisforces health
insurance providers to either spend at least 80% of their income on health and marketing expenses or return the unspent remainder to their
customersas rebates. Furthermore, Americans no longer have to worry aboutbeing dropped from theircoverage for being sick or being denied new
coveragedue toa preexisting condition. ObamaCare has a long list of other protections that serve all Americans. For example, to promote wellness,
it even includesa mandate thatfast -food restaurants to display calories.


Those earning under 400% of the federal poverty level (roughly 88k for a family of four) could save up to 60% on their premiums via tax credits and
subsidies on the health insurance exchanges. Small businesses with less than 25 full-time employees have this advantage as well.


In states that have not opted out of Medicaid Expansion, those under 133% of the poverty level will be covered due toObamaCares expansion
ofMedicaid to low-income Americans. In the past, many of these low-income Americans wereleft withtoo much income to qualify for Medicaid but
without enoughto afford insurance.


ObamaCare does a lot for Medicare. For the most part, these changesare a great improvement, and they have already benefited tens of millions of
seniors. ObamaCare closes the Medicare drug donut hole, provides improved preventive and wellness services with no out-of-pocket cost, and
reforms aspects of Medicare to improve overall care for seniors.




Doctors and hospitals will be moved to a system wherethey will berewarded for focusing onquality of care rather than quantity of care. Many of the
provisions that enforce this do so by punishing high turnover rates. However, this has some unintended consequences; although the overall reform
will create a better health care system for all Americans, some doctors and health care institutions are beinghit hard.
01 Dental Plans 05 Individual Health Insurance

02 Medical Insurance 06 Free Health Care

03 Health Insurance Plans 07 Health Care Reform

04 Health Care Plans 08 United Health Care Insurance


159 new boards, agencies, and programs are created by ObamaCare to oversee spending and to ensure that ObamaCare is working correctly. Though
sometimes listed as a con, having oversight on a reform of this size is necessaryto ensure that that the program works. Its important to note that
ObamaCare doesnt ration healthcare; rather, it regulates the health insurance industry,whichhas been rationing our health care for years. Your
health care is still between you and your doctor and is determined by your private insurance.


AlthoughObamaCare does a lot right, it also has consequences that affectspecific groups of Americans. ObamaCare has hurt a small numberof small
businesses, has negatively impactedinsurance premiums, and has enacted reforms that hurtsome medical industries andworkers.



.2% of firms in the US have over 50 full-time employees and will have to either insure full-time workers or pay a fine. Some businesses will cut
employee hours or hire fewer new workers to avoid this. Itsworth noting that the fine isnt paid for your first 30 workers. Also, many businesses are
coming up with solutions that dont hurt the workforce, such as passing the extra costs onto consumers. Please be aware that, when politicians say
small business, they are also referring to the top 3% of small businesses; thisincludes some very wealthy Hedge Funds, which use tax loopholes to
pass as small businesses.


There is some argument over ObamaCare funding womens health services like contraception. There are exceptions built into the law allowing
businesses to refuseto provide these services to women based on religious grounds; nonetheless, this issue has been causing problemsin the political
arena and the courts.


ObamaCare itself doesnt raise premiums; in fact, many of its reforms to the insurance industry are intended to drive down costs, to make the quality
of insurance better, and to prevent insurance company abuses. Unfortunately, many of ObamaCares consumer-protecting provisions werent
enacteduntil 2014. In the meantime, premium rates rose at alarming rates. ObamaCares only guards against this byallowing states to enact
provisions against price gouging. Many states are enforcing this, butothers are not. For more information on this problem, see ourObamaCare
Insurance Premium Rate Hikes (obamacare-health-insurance-premiums/)page.


Another con of ObamaCare is that 26 states haveopted out of the State Run Exchanges or plan to do so. These states then let the federal government
run their exchanges for them. Many statesclaim that this is a cost-cutting measure, butthe truth is much more complicated. The Medicaid-
expanding provision was meant to be in the bill, but it is being usedto avoid providing subsidies to low and middle-income Americans. Thisforces
the Federal taxpayers to take care of the constituents of states that did not create exchanges. This has also resulted in a 3.5% fee, paid by the
insurance provider, on policies sold on the federal exchange. Learn more about the State Run Insurance Exchanges. (state-health-insurance-

As of 2014, you must purchase insurance or pay a penalty income tax. The first year it is $95 or 1% of your income. Ideally, for the program to work
optimally, everyone would have insurance. This wouldresult in affordable, high-quality insurance for all. Since this is unrealistic, the tax is in place to
help make up forthe estimated 6 million people who will choosenot to getcovered.


Medical device taxes and drug innovator taxes dig into the profits of some of the powerhouses in their respective industries. These taxes are a
reaction to the large profit margins these companies benefit fromand the often-monopolistic hold they have on their industries. These
companiesdrive up the cost of health care, sothey are taxed to help financehealth care reform. However, taxes on large businesses may have
unintended consequences onthe job market and someaspects of the health care industry. At present,weve yet to seeconclusive evidence on the
effects of said taxes.


The top 2% of American businesses and individuals will pay some extra taxes. You could argue that its those earners falling justoutside of the top 2%
who will get hit the hardest despite havinglessdisposable income, theystillface a significant newtax burden. However, the most vocal opponents
of the ACA (the ones who fund the anti-ObamaCare campaigns) are big businesses that oppose regulation, entitlement programs, or any tax or
program that affects their bottom line.


Although ObamaCare has helped tens of millions of seniors save money on medicationsand get access to better health care, there are some caveats.
ObamaCare cuts $716 billion from Medicare and reinvests the money back into the program. Since there is such a significantoverhaul, ObamaCare
set up a committee to oversee spending and effectiveness. Due to the sheer volume of the reforms, some of them, whilewell-intentioned, will
inevitablyhave unintended consequences that warrantadjustment.


ObamaCare is projected to cost $1.36 trillion over the next ten years, and for the program to work as intended, this is going to requirefunding from
both the taxpayers and the States. However, the result of ObamaCares spending is a $200 billion reduction of the deficit over the next decade. Also,
states receive between 90 100% of the necessary funding for most ObamaCare-related programs that they set up. A few states, including Nevada
and Michigan, have done studies showing thatstates can save billions with ObamaCare. Despite a loss on per-plan profit, health insurance
companies stand to make billions byinsuring millions of newly-insuredAmericans.


Fixing the parts of ObamaCare that dont work isnt as simple as repealing ObamaCare. This action that would cost taxpayers billions. Dealing with
the pros and cons is something that is already built into the law via oversight committees and other such forward-thinking provisions. With so many
aspects of the Affordable Care Act still in the initial stages of growth, only time will tell how ObamaCare will impact America.

ObamaCare Pros and Cons

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