Universal healthcare, also known as Obamacare, has only been around for a short time.
There are a few pros and cons to this system of reassuring the coverage of all people, regardless of their health condition.
The universal healthcare initiative was put in place with the intent to assure that every American citizen had proper healthcare.
What is proper healthcare really? The ability to have insurance without working, and if you’re employed, but aren’t insured through your workplace, this program was created to provide affordable healthcare to everyone.
Obamacare has allowed healthcare to be given those who had trouble paying for standard health insurance.
Some citizens make enough yearly to support their families but aren’t offered insurance through their place of employment.
On the other hand, these same individuals couldn’t afford the cost of a private or HMO insurance plan.
This healthcare initiative made it possible for individuals and families to receive health insurance at an affordable rate based on their income regardless of any preexisting health conditions.
This was a major advancement for those with children with health ailments such as asthma and other conditions, which they had to pay for medication out of their pockets.
Obamacare allows patients to have a copay of zero-$3 dollars with prescriptions.
This is a huge break for those on budgeted incomes or those who need medication on a daily basis.
The cons to this healthcare system is that it is mandatory that each and every individual have healthcare or there will be a $500 fee to pay when filing individual income taxes.
Also, the universal healthcare program does not give many choices to patients in reference to where they receive care.
There are still many health providers who are not accepting government assisted healthcare.
This still in a way limits the patient.
When it comes to medications, the companies participating in the universal healthcare program have the right to discontinue coverage on certain medications without notice to the patient unless otherwise notified by the physician.
This can cause difficulty to those who need a specific brand of medication.
In addition to the financial aspect not being completely favorable, Obamacare has raised the cost of insurance premiums to those who have previously been insured through their place of employment or paying privately.
There are many employers, mainly small businesses which had to cut employee hours to discontinue offering health coverage to employees.
In addition to these upsets, one can only obtain insurance during the annual open enrollment period.
This means a decrease in income and more money out of the household.
This change in the healthcare system also caused hospitals and healthcare providers to receive less of a payout from Medicaid.
Changes in the payment schedule and limits on how much issued has become a huge dilemma in the medical field for those who participating in the Obamacare program.
There’s only one place where people can sign up for healthcare insurance and that makes the experience less customized to what needs an individual may have.
In any instance, no system is always perfect. But being that the US has the highest insurance rates maybe the program still has a few kinks.
Healthcare for everyone is a bonus, but it doesn’t come without a price.