Disadvantages of Obama’s heath-care reforms Introduction President Obama’s healthcare reform policy is aimed at enabling the Americans gain better control of their healthcare. Through this healthcare overhaul, the president aims at making healthcare insurance affordable through providing a tax cut to insurance premium for American families as well as small business owners. According to the president, this healthcare overhaul will make over 31 million citizens who earlier on did not access healthcare be able to do so.
Although the reforms are aimed at increasing benefits to the citizens, a lot of contradictions emerge which put the reforms into jeopardy. Several restrictions, mandates as well as fines make the viability of the proposed reforms almost impossible. Such privileges as choosing ones doctor, reduced premium payment as a result of healthy lifestyles or the ability to buy an insurance policy which covers recent drugs and diagnostic test in the proposed healthcare reforms will be lost (Reid 43). There some underlying reasons as to why this reform will be a disadvantaged among individuals paying or even overpaying in order to benefit all.
Inability to choose contents of a plan The bill requires that people buy insurance through qualified plans which are given by healthcare exchanges. These exchanges would be developed in each state thus any form of competition in regard to the services offered will be eliminated. Federal Governments will be tasked with imposing the benefits of insurance packages. Although the senate bill has incorporated prescription drugs as well as mental health benefits, insurance of children below age twenty six, it will be difficult for such individuals to know the content of their plans and what they are be required to remit (Shi and Singh 70).
The department of health services will be charged with formulating and adding other benefits to be accrued by an individual. Inability to pay real costs A vital misdoing of the proposed health legislation lies in subjecting all the states to a community rating. Thus all patients will be required to pay the same rates regardless of medical condition or even age. Under normal circumstances, individuals with pre-existing conditions should be subsidized in a healthcare plan (Forman 7). Young people will be required to pay more than their real cost. The bill also bans insurers from charging higher premiums to individuals in regard to their health.
Although such a move would benefit people with such chronic illnesses like diabetes or cancer, people who maintain healthy lifestyles like exercises and eating low cholesterol diets would be disadvantaged. In ability to adopt high-deductible coverage The healthcare bill is threatening to eliminate a market aspect which requires market autonomy in regard to spending finances (Forman 12). There are several companies in the US which offer Health Savings accounts to employees. In the current system, workers deposit funds into these accounts, money into their accounts then a matching contribution is given by their employee.
With such funds, a high deductible plan catering for major medical operations can be devised. Thus the bill will largely endanger consumer-driven care. Since the plans make provisions for minimum packages, patients will not be required to have plans catering for major medical expenses alone. This means that low deductibles will fully eliminate HSAs. Elimination of existing plans Although president Obama has continually emphasized that the American citizens will have the freedom to keep their existing plans, a clear look at the bill portrays a different scenario. First, employees under the 1974 Act on Employee Retirement Security (i. . ERISA), are regulated thus claims paid from cash flow and real insurance is non-existence. Although employees under ERISA are exempted from the standard packages, this provision will be cut-off after a period of five years after which only approved plans will be adhered to. Employees not covered under ERISA, but they derive their insurance from their small businesses or on their own will be largely disadvantaged as well. This is because after the legislation is passed, all existing plans will be discarded and only the qualified plans will be in operation through the exchanges procedure (Shi and Singh 40).
Additionally, the current Medicare covers treatments deemed effective and safe, but under the reform the federal council will be required to set costs-effectiveness plan which may leave some aged individuals’ out-of the plan. Nonetheless, employees who obtained their coverage before the plan was enacted will be required to keep their plans, but in case changes occur in the plans such employees will be forced to drop-out of the plan. Changes in insurance plans include such moves as altering co-pays, deductibles or even switching coverage for certain drugs and medications (Shi and Singh 40).
More often than not, medical plans are always changing their plans. In each year, a policy change is exhibited thus its likely that employees will no doubt loose their medical plans within 12 months of the enactment of Obama’s healthcare reform bill. Inability to choose physicians The proposed bill requires that American purchase their healthcare bill through exchanges. Thus, in such an arrangement medical care will be availed through a medical home. Individuals will have a specific primary care doctor who will in turn control the physician who can attend to the needs of a patient.
In this arrangement, primary care physicians will determine the services which an individual should receive. A client will not have the autonomy of deciding whether diagnostic scans can be undertaken so as to determine the kind of illness they are suffering from. The task of determining whether a patient should see a cardiologist or orthopedist will lie entirely of the primary care physician assigned to the client. In this proposal, it is likely that patients will be subjected to tests and treatments which are cost effective (Mahar 125).
Public outcry will thus be exhibited especially when efficient healthcare fails to be accorded to the citizens. Ultimately the medical plan will prove ineffective. Although the bill has not ruled out fully changing fees for services delivered, a possibility exists whereby sick elderly patients will be charged equal amounts as young and healthy people. Conclusion Although Obama’s reforms allow a full and highly subsidized healthcare coverage for the American citizens, the mode of delivery for these benefits is largely restrictive.
People will enjoy many benefits which would otherwise be out of reach within the current healthcare program and which they will not need to pay for but a HMO style plan will be used by individuals and healthcare practitioners to determine the kind of care and tests to be accorded to any client (Reid 234). It will be difficult to switch from the current employer based healthcare plans which are flexible and have become popular with the Americans and replace a system with vital freedoms as outlined above since the proposed plans will largely hamper service delivery in the healthcare sector.
Works Cited Reid, T. R. The Healing of America: A Global Quest for Better, Cheaper and Fairer Health Care. London, UK: Penguin Books, 2009. Mahar, Maggie. Money-Driven Medicine: The real reason why healthcare costs so much. London, UK: Harper/Collins, 2006. Shi, Leiyu and Singh, Douglas. Essentials of the U. S. Health Care System. New York, U. S. A: Jones & Bartlett Publishers. 2009. Forman, Lillian. Healthcare reforms. New York, U. S. A: ABDO Group, 2009.