The Affordable Care Act (ACA) was designed to reform healthcare by making it more affordable to those with little or no health insurance. But despite the good intentions, there are some problems with the ACA, and this has left some Americans asking – can the Affordable Healthcare Act be fixed?
The ACA is meant to increase the affordability and quality of both private and public health insurance. Several reforms were also implemented in order to make health insurance more widely available, and minimize growth in spending on health care.
While health experts agree that the overarching goals of decreasing the number of uninsured and reducing hospital expenditure on uncompensated care have been met, there are still some areas that need improvement.
Can the Affordable Care Act be fixed?
The ACA mandates that most Americans must buy health insurance. Those who need to buy individual plans can do so thoughthe health insurance market place or exchange. However, the exchanges are not working as they should. The process is not easy for many people, and they are finding it difficult to understand the various matters relating to the marketplace.
Supporters of the ACA recommend that the federal government hire enrollment assisters who would be responsible for helping individuals understand the process. This would go a long way in ensuring even greater compliance by the uninsured.
Under ACA insurance companies cannot deny coverage because of pre-existing health conditions. As a result, sick people are signing up for the plans on the exchanges, and this has become problematic given the fact that fewer healthy people are signing up. Consequently, insurers are faced with higher payouts, and have had to increase rates. In order to fix this, the federal government will have to increase the penalties for non-compliance.
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