Wednesday, August 8, 2012

What does Health Insurance Reform 2012 mean to you?

Americans everywhere are concerned about health care insurance, and for good reason: It’s necessary and it’s costly. Unfortunately, I know many people who are doing without healthcare for themselves, and sometimes for their children, and hoping everyday that a medical emergency or serious sickness doesn’t visit them.

How can healthcare and healthcare insurance be made available and affordable for Americans? First, let’s define what healthcare reform means. According to Wikipedia.org, healthcare reform is “a general rubric used for discussing major health policy creation or changes — for the most part, governmental policy that affects health care delivery in a given place. Health care reform typically attempts to:

  • Broaden the population that receives health care coverage through either public sector insurance programs or private sector insurance companies
  • Expand the array of health care providers consumers may choose among
  • Improve the access to health care specialists
  • Improve the quality of health care
  • Give more care to citizens
  • Decrease the cost of health care”

With those things in mind it’s no wonder President Obama signed the Affordable Care Act into law on March 23, 2010. That law puts comprehensive reforms into place that improves access to affordable health coverage for everyone as well as protect consumers from abusive insurance company practices. The law is supposed to allow Americans the freedom to make health insurance choices that work for them, guarantee care for the most vulnerable and provide ways to lower costs and improve care quality. According to WhiteHouse.gov, the law gives more than 3 million young people health insurance on their parents’ plan, 3 million senior citizens will have 50 percent discounts on their prescriptions and millions of Americans have access to zero-cost preventative services to maintain their health.

Those, my friends, are the Health Care Reform Facts. So, what does the reform mean for you? If everything works according to plan then there shouldn’t be one person who doesn’t have access to quality healthcare insurance and healthcare. Whether you need individual health insurance or a plan that covers an entire family, it’s supposed to be there for you.

Feel free to share your experiences and opinions regarding the subject of health insurance reform.