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Obamacare: Healthcare Reform Act of 2010

Updated on May 20, 2013

Obama-care: Good or Bad for America

What is Obama-care and what does it do? "Obama-care" is the name given by opponents (critics) of President Obama's health care reform bill. Obama-care is: "The Patient Protection and Affordable Care Act of 2010", which was signed into law by President Barack Obama in 2010. The purpose of the bill is to provide health insurance to all of the people, who are uninsured; those who can't afford health care insurance would now be able to afford health care insurance. The health care bill's purpose, also, is to reform the health care insurance industry and the health care industry, and to reduce growth in health care costs.

The health care bill-26 is quite extensive and contains over 1000 pages of reforms, and its unlikely that very few people have read the bill through its entirety.The bills purpose is to insure all Americans and to reform industries related to health care. Obama-care or "The Patient Protection and Affordable Care Act of 2010", affects all Americans, and is one of the main issues of the Obama Administration.

The President Signing The Health Care BIll

President Barack Obama Signing "The Patient Protection and Affordable Care Act of 2010" into law.
President Barack Obama Signing "The Patient Protection and Affordable Care Act of 2010" into law. | Source

The Law Goes into Full Effect in 2014

All Americans are mandated have some type of health-care insurance by the year 2014, or else there are penalties to pay. The insurance must be approved by the federal government. The penalty or fine would be $95 dollars or 1% of income, whichever is greater in 2014. The penalty increases in 2015 to $325 dollars or 2% of income, and to $695 dollars, or 2.5 % of income in 2016, To qualify for medicaid or subsidies, income must be below the federal poverty line of 133%. Fines would be imposed on those, who don't buy health insurance, or can't afford expensive health-care insurance, and who don't qualify for medicaid or subsidies. The penalties can be waived for religious reasons or hardships.

Some states (26) sued over the individual law with the argument that requires people to buy health care insurance or be fined as unconstitutional and against people's rights not to be forced into buying health insurance.The government countered that the law was only regulating a market that everyone was already into, also, saying that almost everyone in their lifetime will seek to buy health insurance at some point in their lives. Much of the law will go into effect in 2014. The penalties will be paid to the IRS. According to the Congressional Budget Office, it is estimated that 32 million Americans will gain health care insurance.

Barack Obama: Health Care Reform

Part of an email by Barack Obama: Health Care Reform
Part of an email by Barack Obama: Health Care Reform | Source

Obama's Health Plan

No Republicans Voted For the Bill

No republicans voted for the bill, 34 democrats voted against it. The penalties would put burdens on low-income people, and people who don't qualify for medicaid or subsidies. States are required to set up insurance exchanges to make it easier to shop for private health-care insurance coverage that is more affordable. Children up to the age of 26 can stay on their parents health-care insurance plan. Children can't be denied health insurance, because of a pre-existing condition, for example: like asthma or diabetes. In 2014, no one else can be denied for pre-existing conditions, either. Drug companies and the companies that make medical devices will have to pay higher taxes. The bill is a complex one-size-fits-all health-care system, which can be quite confusing to many and hard to understand. Some conservative justices believe that the act is entirely invalid.

House Republicans have vowed to repeal the health care act in its entirety, which would be unlikely and wouldn't be allowed in a Democratic controlled Senate. Out of the nine justices, seven had agreed the the expansion of Medicaid to 16 million low-income Americans by the year 2019, was unconstitutional as it was written. The court has decided that the federal government can't threaten to withdraw funds from Medicaid if states don't expand Medicaid. The federal government will only be able to withhold future funds.

More About Obama-care

There are many good web-sites about Obama-care and here are just a few:, Kaiser Family Foundation, Enroll America, State Reform, and SAMHS A Health Insurance Enrollment Page. On the Kaiser Family Foundation web-site there is a short-animated movie that features the "You Toons" which explains the problems associated with the past health-care system, the current health-care system, and the future health-care reforms, and the big changes coming in 2014. The movie is called: "Hits Main Street." Cost is the biggest issue when it comes to health-care reform, and the penalties that people would have to pay if they don't get health insurance by 2014.


Is Obama-care good for America?

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    • gail641 profile image

      Gail Louise Stevenson 4 years ago from Mason City

      Hi, thanks for your comment.

    • tsadjatko profile image

      TSAD 4 years ago from https:// online/ hubpages. html

      How's that plan working out for us now? - That video - "Obama's healthplan in 4 minutes" should now be retitled "Obama's 4 minutes of lies about Ovomitcare"

    • gail641 profile image

      Gail Louise Stevenson 5 years ago from Mason City

      This Obama Care wouldn't be good if the insurance is worthless. I hope they find a better solution if its worthless.

    • gail641 profile image

      Gail Louise Stevenson 5 years ago from Mason City

      I hope maybe that it will work. It wouldn't work with insurance that is worthless. I hope they find a better way. Your welcome!

    • Kosmo profile image

      Kelley 5 years ago from California

      It will be very interesting to see how ObamaCare works or doesn't work. One aspect I'm concerned about is this: we're supposed to be offered health insurance at a reasonable cost, say $200 per month as opposed to $500, which many of the over-50 crowd pay now. That sounds like a very good deal unless this insurance is virtually worthless because of high deductibles, co-pays and exclusions. Then many of us will be where we are now - afraid to use our insurance because it pays for so little. Anyway, thanks for the provocative hub. Later!

    • gail641 profile image

      Gail Louise Stevenson 5 years ago from Mason City

      I agree. Thanks for the nice comment. As long as insurance is affordable, then it should be ok. Merry Christmas!

    • gail641 profile image

      Gail Louise Stevenson 5 years ago from Mason City

      I agree. I agree that others will groan because they have to pay higher taxes. As long as the insurance is affordable, then it would be okay. Thanks for commenting. Merry Christmas!

    • Barbara Kay profile image

      Barbara Badder 5 years ago from USA

      Obama Care will allow almost everyone with an option to buy health care insurance at such a reduced cost that everyone should be able to afford it. However, I don't think it will be available until 2016. Those with such a low income that they can't purchase it will get Medicaid. We will get help from the government through their program to allow this low cost.

      Many people are against the program. It will hurt small businesses, but it will be a blessing to many. An example is those that need to retire at 62 and you can't get Medicare until you are 65. Looking at the charts, it will save those so much on insurance that it will make the difference in being able afford it or not being able.

      I wish there were more reliable sites about this issue. For some it will be wonderful and others will groan about the higher taxes.

    • gail641 profile image

      Gail Louise Stevenson 5 years ago from Mason City

      To kj force: I don't think that would be fair to be penalized for making a dollar too much to qualify. I can't afford health care insurance and I make too much for medicaid. I wonder if there something that can be done about it? I would think a better solution would be best. Thanks, and your welcome. I don't want to be penalized as I have lots of bills to pay and could never afford to be penalized. No one deserves to be penalized. I know someone at work, and she's worried about the penalty, too. She's afraid the government will take more of her money, and I worried about them taking my money, too. gail641.

    • kj force profile image

      kjforce 5 years ago from Florida

      Somehow, this reform bill makes NO sense..what is says is The "POOR and LOW INCOME" who make a $1.00 too much to qualify for subsidizing/medicaid will be penalized further for not being able to afford healthcare insurance?.. I guess when you think about it , does sound like the American's called " getting blood from a turnip"..why not just have proof of income level for healthcare..those in upper income pay accordingly..not Socialized medicine BUT surely we can come up with a better solution...good job on the hub by the way..thanks for the the share...