2. What is the obama care?
ObamaCare (the Affordable Care Act) is a US healthcare reform law that expands and
improves access to care and curbs spending through regulations and taxes. ObamaCare is the
unofficial name for The Patient Protection and Affordable Care Act, a health reform law signed
on March 23, 2010 by President Barack Obama.
The Affordable Care Act’s main focus is on providing more Americans with access to affordable
health insurance, improving the quality of health care and health insurance, regulating the health
insurance industry, and reducing health care spending in the US. The law contains hundreds of
different provisions that address different aspects of “the healthcare crisis” in the US.
Obama Care’s goal is to give more Americans access to affordable, quality health insurance and
to reduce the growth in U.S. health care spending.
The Affordable Care Act expands the affordability, quality, and availability of private and
public health insurance through consumer protections , regulations , subsidies taxes, insurance
exchanges and other reforms.
3. Open Enrollment 2016 started November 1st, 2015 and ends January 31, 2016. Open
enrollment is the only time you can get Minimum Essential Health Coverage for 2016 without
qualifying for Special Enrollment. ObamaCare doesn’t regulate your health care; it regulates
health insurance along with some of the worst practices of the For-profit Healthcare Industry.
4. Benefits :
Obama Care offers a number of new benefits, rights, and
protections:
Letting young adults stay on their parents’ plan until 26
Stopping insurance companies from denying you coverage or charging you more based
on health status
Stopping insurance companies from dropping you when you are sick or if you make an
honest mistake on your application
Preventing gender discrimination
Stopping insurance companies from imposing unjustified rate hikes
Doing away with life-time and annual dollar limits
Giving you the right to a rapid appeal of insurance company decisions
Expanding coverage to tens of millions by subsidizing health insurance cost hrough the
Health Insurance Marketplaces (HealthCare.Gov and the state-run Marketplaces)
Expanding Medicaid to millions in states that chose to expand the program
Providing tax breaks to small businesses for offering health insurance to their employees
Requiring large businesses to insure employees
Requiring all insurers to cover people with pre-existing conditions
Making CHIP easier for kids to get
Improving Medicare for seniors
Ensuring all plans cover minimum benefits like limits on cost sharing and ten essential
benefits including free preventive care, OB-GYN services with no referrals, free birth
control, and coverage for emergency room visits out-of-network .
5. Working of Obama care:
By the end of 2014, about 6.5 million people enrolled in a health plan on ObamaCare’s Health
Insurance Marketplace HealthCare.Gov. This included 4.5 million renewals and auto-renewals in
addition to the 2 million new enrollments.
By the end of open enrollment 2015, an estimated 11.7 million people were enrolled in state and
federal marketplaces. 10.8 million more were covered through Medicaid and CHIP
and 5.7 million young people were able to stay on their parents’ plan. Many more were
covered through employers who expanded coverage under the ACA and on private plans outside
of the marketplace.
6. ObamaCare, Taxes, Shared
Responsibility, and Exemptions
The Affordable Care Act also includes new taxes Most new taxes are on high-earners, large
businesses, and the healthcare industry. However, there are some tax related provisions every
American should be aware of: tax credits to subsidize costs for low-to-middle income Americans
and small businesses, starting 2014; an Employer Mandate for large employers to provide health
insurance to full-time employees by 2015/2016; an Individual Mandate for individuals and
families obtain health insurance by 2014; and lastly, new limits to medical deductions. Learn
how to file your ObamaCare taxes for 2014 and beyond.
In exchange for the new rights and protections, which started in 2014 most Americans had
to obtain and maintain health coverage, get an exemption or pay a per-month fee called a
Shared Responsibility Payment. The fee increases each year. Learn more about the ObamaCare
individual mandate
7. ObamaCare and Minimum Essential
Coverage
Only certain types of major medical health insurance will protect you from the Individual
Mandate’s shared responsibility fee (the fee for not having coverage). This type of coverage is
called minimum essential coverage
All insurance bought on the Health Insurance Marketplace, major medical plans outside the
Marketplace, Medicare part A and C, Medicaid and CHIP, and most employer-sponsored plans
are considered minimum essential coverage
Most private individual and family health insurance sold outside of open enrollment (like short
term health insurance) is not considered minimum essential coverage , and won’t protect you
from the fee.
8. ObamaCare Cost Assistance
There are three ways to save money on your health insurance through ObamaCare’s
marketplaces: first, Advanced premium tax credits, which lower your monthly premium costs;
second, Cost Sharing Reduction subsidies, which lower your out-of-pocket costs for copays
coinsurance, deductibles, and out-of-pocket maximums; and lastly, Medicaid, which does both.
Learn more about ObamaCare cost assistance
Cost Sharing Reduction subsidies (CSR) are only available on Silver plans.
Tax Credits can be applied in advance (in part or in full) to lower your premiums or can be
adjusted on your federal income taxes.
If your income changes, report it so the marketplace can adjust your subsidies. You may qualify
for bigger credits if your income decreases and you will save yourself from potentially having to
repay advanced tax credits
Make sure cost assistance is right, but, when in doubt, aim low. You don’t have to pay back Cost
Sharing Reduction subsidies or Medicaid, but you could end up owing Advanced Premium Tax
Credits back up to the limit for your income level when you file taxes. See Tax Credit form used
to pay back Tax Credits for details on filing and limits.
9. More ObamaCare Facts
The Fact is, ObamaCare gives 47 million women access to preventive health services and makes
it illegal to charge women different rates than men. Get more ObamaCare women’s health
services facts.
Up to 82% of nearly 16 million uninsured young U.S. adults will qualify for cost assistance or
Medicaid through ObamaCare’s marketplaces.
The number of young people who sign up for insurance will greatly impact the effectiveness of
the program, as healthy young adults are the least likely to use costly health care services. Find
out how ObamaCare affects young people.
1 in 2 Americans have a “pre-existing” condition that they could have been denied health
insurance for. ObamaCare chipped away at pre-existing conditions until 2014, so pre-existing
conditions are no longer a barrier to insurance coverage for anyone, including high-risk
customers. This means you can no longer be denied coverage or treatment or be charged more
due to your health status. Find out more about pre-existing conditions
54 million Americans with private health insurance now have access to preventive services with
no cost sharing because of the new minimum standards of ObamaCare.
ObamaCare doesn’t ration health care. It protects consumers from the health care coverage and
cost-based rationing that insurance companies have been doing for decades.
ObamaCare reduces the growth in healthcare spending. The current $2.8 trillion U.S. healthcare
system costs almost $9k a year for every man, woman, and child.
MOST IMPORTANTLY: ObamaCare is “the law of the land”. There are many people who
would like to see ObamaCare repealed. If ObamaCare is repealed, tens of millions of Americans
will be without good health coverage, and insurance companies will continue to be able to deny
coverage for pre-existing conditions. Without healthcare reform, America will continue to suffer
the consequences of a health care system controlled by private, for-profit companies whose
bottom line is money and not health. Help Obama Care Facts to spread the truth about President
Obama’s health care reform under the Affordable Care Act.
10. Benefits from INAIL
INAIL - The National institute for work injury and
occupationalillness insurance - has the objectives of
reducing injuries, protectingworkers performing
hazardousjobs and facilitating the reintegration to work
of those injured at workplace. The protection comprises
of an integrated system, ranging from preventive actions
at the workplace to medical services and financial
assistance; to rehabilitationand reintegration of victims of
workplace accidents or professional diseases to social life
and work. Prevention and implementation of safety
standardsare key to reducing workplace accidents.
11. Benefits-
Financial & medical support:
-daily sum of money
-free medical treatment
-free specialist medical care
-prosthesis & rehabitation treatment
