Those even closer to the poverty line can get additional subsidies that reduce the deductibles, which can run into the thousands of dollars. This schism is turning Obamacare into another government benefit program for lower- and moderate-income Americans. The real problem is that health care is very expensive, Levitt said. But most Americans don't realize the true cost because they are shielded by their employers.
Related: Employers push health care costs onto workers. For the And more of the burden falls on the consumers. That is leaving an untold number of Americans opting to remain uninsured, rather than shell out thousands a year for premiums and deductibles. Related: Obamacare: Sick - but not in death spiral. Take Irene Solesky of Towson, Maryland. A mortgage underwriter, Solesky and her husband earn too much to receive a subsidy. But the carrier wouldn't cover her husband because he had high blood pressure.
ObamaCare has failed miserably because it lacks free-market principles and is a one-size-fits all, centrally planned boondoggle. In the next decade, and for decades to come, the American health care system would function much more optimally if patients, not bureaucrats, were allowed to take control of their health care decisions.
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Funding also comes from savings in Medicare payments. The wealthy are helping to subsidize insurance for the poor. Some economists, however, predict that in the long term, the ACA will help reduce the deficit and may eventually have a positive impact on the budget. The ACA website had a lot of technical problems when it was first launched.
This made it difficult for people to enroll and led to delays and lower-than-expected signups. The website problems were eventually fixed, but many consumers have complained that signing up for the right family or business coverage can be tricky.
In recent years, the enrollment period has also been shortened to between November 1 and December Many hospitals and public health agencies have set up programs to help guide consumers and business owners through the setup process. The ACA website also has sections devoted to explaining the procedures and available options.
Opponents of Obamacare claimed the legislation would destroy jobs. The number of full-time jobs has gone up in recent years, but there are still reports of businesses cutting hours from employee schedules.
Business with 50 or more full-time employees must offer insurance or make payments to cover healthcare expenses for employees. By reducing hours, businesses are able to get by the hour-per-week definition of a full-time employee.
The ACA is subject to changes every year. Changes in the healthcare field, along with changes to the political makeup of future presidential administrations and Congress, make it likely that the ACA will continue to change for years to come.
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