Implementing the Medicaid Program at Various Rates Across States, Might Lead to a Complete Collapse

Published: 2021-09-23 20:30:08
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Category: Health Care

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The United States of America health care system leaves millions of Americans uninsured. While private insurance companies cover many, some are left covered by the Affordable Care Act (ACA), and millions still remain uninsured.President Barack Obama implemented the Affordable Care Act (ACA) to decrease the amount of people uninsured, but also to improve the health of individuals in this nation.Unfortunately, for every solution it does not fix every problem. Even though the ACA promotes an improvement with more Americans health insurance and having health insurance benefits, there are restrictions and blockage that many individuals face that have no coverage. We have an issue in the states that chose not to expand Medicaid, which causes low-income individuals who do no even qualify for the affordability standards. Even with government assistance in place, Americans living in low-income cannot meet the affordability standards to even get covered by the ACA. States not expanding Medicaid creates internal and external problems within the local, state, and federal level.
The question remains, who really loses when states does not expand Medicaid.It stated that, “Twenty-four states have not expanded Medicaid eligibility to adults with incomes at or below 138 percent of the federal poverty level (FPL), as permitted by the Patient Protection and Affordable Care Act (ACA)” (Dorn 1).Research analyzed and measured the Affordable Care Act within the uninsured on expanding states for eligibility and enrollment in Medicaid. The research also identifies the subsidized coverage of the states that chose to expand or not to expand for the uninsured.Research shows that, “Between September 2013 and June 2014, the number of uninsured adults fell by 8.0 million nationally—a 22 percent drop. In states that expanded Medicaid, the uninsurance rate declined by 38 percent, compared with only 9 percent in non-expansion states” (Dorn 2). On a national agenda, insured adults only decreased insignificantly, while the states that did not expand on Medicaid declined dramatically. More research concludes that, “In less than a year, from September 2013 to June 2014, the percentage of all uninsured adults living in non-expansion states rose from 49.7 percent to 60.6 percent” (Dorn 2).This explains the problem goes further than the Affordability Care Act because even when the ACA became implemented throughout the states, the states that chose to not expand the Medicaid, theuninsured individuals and families have risenconsiderably.This research has rendered the problems the non-expansion has created among the American people.The issues that are creating the low-income individuals to still remain uninsured are, “One study found that failing to expand eligibility: (1) rejects significant federal funding, thus lessening potential economic activity and employment gains in nonexpanding states; (2) forgoes significant hospital revenue originally intended to offset the ACA’s Medicare and Medicaid reimbursement cutbacks; and (3) according to comprehensive fiscal analyses produced for multiple, diverse states, is likely to cause net state budget losses, with increased costs and decreased revenues that exceed cost savings, relative to expansion” (Dorn 2). Due to the fact that states are rejecting federal funding only disrupts andmakes the process to receive health care benefits or become eligible a difficult process.When states do not accept federal funding this also affects the hospitalsrevenue, which was to remain an offset to the ACA’s Medicare and Medicaid cutbacks, but instead it hurts the system.The consequence of individuals not being able to afford insurance under the ACA has increased for the worse and many people in low-income circumstances are suffering.President Barack Obama’s policy for health assistance for the Affordability Care Act is not the problem. The issue lies within the states that are not expanding the Medicaid to people in low-income families who need coverage and are not reaching the minimum amount for income.
Unfortunately, we have identified the issues that exist with the lack of expansions of the ACA within states, but the problem still lies with why are millions still ineligible for ACA coverage. It comes to affordability. Even with the latest efforts of President Obama’s ACA, millions are still ineligible due to their median monthly income is less that what meet the standards of coverage assistance for the ACA.The first problem lies within the expansion and the second lies within the federal poverty level. Many individuals remain uninsured and lack the funds to even be eligible for ACA. Research states that, “Federal Poverty Level (FPL) income level under which people are considered to be living in poverty. For an individual in 2014 it is $11,670 a year” (Dorn 1). Adults who are eligible for ACA has the median monthly income of $2,097 while the adults who are ineligible for the ACA coverage median monthly income of $792 or less.Not only does these effect individuals who cannot afford that remain ineligible, but also African-Americans, Hispanic and women are the main targets that non-expansions are restricting them to health care benefits of the Affordable Care Act.Along with the income gap of the insured and uninsured, ethnicity and race play a part among non-expansion decisions. For gender purposes, women are at a disadvantage because ACA Medicaid has limited coverage to pregnant women and parents of dependent children. While many women are not covered it states, “Altogether, 3.1 million uninsured women are ineligible for help because of states’ nonexpansion decisions, representing one-third of all uninsured women in these states (33.2 percent)”(Dorn 4). In states that decided not to expand the ACA Medicaid, many adults remain ineligible for the affordability insurance due to low income. The gap financially between the individuals who are insured and the individuals who are not becomes later categorized by gender, race and ethnicity (shows the larger gap in these areas). Individuals that researchers identified are stated as, “Low-income working families make up over 40% of the remaining uninsured.Reflecting income and the availability of public coverage, people who live in the South or West are more likely to be uninsured. Most who remain uninsured have been without coverage for long periods of time” (Kaiser).The majority of limited or ineligibility for health insurance coverage through the Affordability Care Act is among African-Americans,Hispanics, younger adults, and women.
The magnitude of this high-insured percentage in America is devastating because even with new policies that have been implemented, states refusal of ACA expansion still leaves millions uninsured. Health care should be a right as a human being and should be a vital importance to humanity as a whole.Though these issues are prominent and remain in society, plausible goals can always be generated through the current ACA system.Until we have the entire United States with everyone covered with health care, even providing the minimum standards of health care, it should still be a goal to reach.If left uninsured, “People without insurance coverage have worse access to care than people who are insured. Over a quarter of uninsured adults in 2014 (27%) went without needed medical care due to cost. Studies repeatedly demonstrate that the uninsured are less likely than those with insurance to receive preventive care and services for major health conditions and chronic diseases” (Kaiser).If the problem continues with millions remaining uninsured this can lead to many sick individuals, many individuals who are left untreated, and the health of millions can be at risk due to lack of health care coverage.This is not just people without health care; this is a nation who believes that health care remains a privilege to those that can afford it.The article retorts, “The uninsured often face unaffordable medical bills when they do seek care. In 2014, nearly 36% of low- and middle-income uninsured adults said they had problems paying medical bills. These bills can quickly translate into medical debt since most of the uninsured have low or moderate incomes and have little, if any, savings” (Kaiser).Even those who have tried to pay for health care are left with hefty medical bills and overwhelming medical bills that individuals or low-income families cannot afford can turn into deep debt.Health care remains vital to humans as a whole and better health care policies need to be implemented within the ACA Medicaid establishment.
The plausible goals for health care would be for every single American to gain health care coverage no matter if the coverage comes from private insurances, employee-based insurance, or the Affordability Care Act. The bases of the problem remains because millions are uninsured even when there is an ACA health care system in place for individuals who cannot afford and still many are left uninsured.Plausible goals would be for when everyone in the nation receives coverage for health care and once that occurs many can start to pay off their high medical bills or debt. Once everyone receives the health care they need, individuals and families can obtain the medical attention or assistance they were refused or were ineligible for.When everyone in the nation receives basic standard health care, this can assists with not only short or long term illnesses, but also physical, emotional, and mental burdens. With everyone being taking care of on a medical profession level, this allows for healthier people, coverage for individuals and families, an increase in longevity, but also a better health care system that not only benefits the individuals who can afford, but individuals and families who can not.Plausible goals for this huge turn around would need cooperating from the federal, state and from the people as a whole.Health care would then be in the works of a basic right for the many rather than a privilege by the few who can afford.

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