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What Exactly is Obamacare and How Does it Affect You?

Updated on April 19, 2016
Source

We’ve all heard the term. It’s been bantered about now for many months ever since President Obama’s health care plan was passed into law. But do we really know what this all means? What exactly is Obamacare all about?

When you hear politicians talking about Obamacare what they are really talking about is the Patient Protection and Affordable Care Act, otherwise known as PPACA. This federal health care statute was signed into law on March 23, 2010, by President Obama and was designed to decrease the number of uninsured Americans. It was the most significant overhaul to the US healthcare system since the inception of Medicare back in 1965.

The PPACA contains numerous provisions that will take effect over several years. Some of the provisions were effective beginning in 2010 but many don’t become effective until 2014 and beyond.

At a very macro, high level, the PPACA was designed to do two things. The primary objective was to reduce the number of uninsured Americans while reducing the cost of health care in this country

Signing the PPACA into law.
Signing the PPACA into law. | Source

So what exactly is in this law and how does it affect you and me? This can be a tough question to answer as this bill is very long, over 300,000 words long. While this may seem excessive, apparently most bills in Washington are lengthy. Without trying to delve into every detail of this bill I thought I’d try to give a summary of the highlights and when they take effect.

Source

Already in Effect:

  • The Food and Drug Administration is now allowed to approve more generic drugs in an effort to increase competition and lower prices.
  • The rebate that drug manufactures pay to the states has increased to 23.1%. This is on brand named drugs.
  • Establishes a non-profit group called the PCORI, or Patient-Centered Outcomes Research Institute. This group, which is to remain independent from the government, is tasked with evaluating different medical treatments and studying their effectiveness. Their findings may be used by Medicare in determining what treatments to cover.
  • The bill will now require fast food restaurants to display how many calories are contained in the food that they serve. They are also required to provide, upon request, information such as sodium content, saturated fat, and carbohydrate levels.
  • It creates a temporary high-risk pool for adults who have a pre-existing condition, and have been uninsured for the past six months or longer. This part of the bill is designed to slowly get rid of the “pre-existing condition” penalty altogether by 2014 when everyone will be charged the same for insurance regardless of their past medical history.
  • The bill prevents Insurance companies from imposing lifetime limits on benefits. Many Insurance Companies have million dollar lifetime limits which will no longer apply. If you have insurance they cannot deny you due to a lifetime limit.
  • Allows kids to be covered by their parent’s insurance plan up to age 26, even if they no longer live at home or are not students.
  • For children under the age of 19, Insurers are prohibited from excluding “pre-existing conditions”
  • Insurance companies can no longer drop a customer once they get sick.
  • Insurance companies must have or implement an appeals process so that customers have some form of recourse if a procedure is turned down.
  • The bill creates a new 10% tax to be applied to indoor tanning booths.
  • Extends Medicare coverage to smaller, rural hospitals.
  • Requires Medicare patients with a chronic illness to be evaluated more thoroughly on a three month basis.
  • Establishes a new website to provide consumers and small businesses with insurance and health care information. See link below.
  • Requires all new insurance plans to cover preventive care procedures such as colonoscopies and mammograms without any co-payments or deductible payments.
  • The bill requires insurance companies to spend at least 85% (80% for individual or small group insurers) of the premium dollars charged on health care costs and claims. What this means is that only 15% to 20% of the premium can go towards profits and administrative costs?
  • Flexible spending accounts and health savings accounts can no longer be used to purchase over the counter drugs.
  • Employers are now required to disclose on the employee’s annual W-2 Form the value of the benefits that they provide.

Now for some of the phased in changes:

Effective 1/1/2013:

  • If you make over $200,000 annually, $250,000 for married couples filing jointly, you will see a small tax increase of .9%
  • Pre-tax contributions to your flexible spending account will now be limited to $2,500 per year.

Source

Health Care Exchanges:

This area of the Bill deserves some further detail so I'll try to explain this in as simple terms as possible.

The health care exchanges will be state run and will provide a one-stop location for comparing private health plans. These health plans will be offered in four tiers: bronze, silver, gold, and platinum. The levels differ in the percentage of the cost that is covered and start at 60% for the bronze and go up to 90% for the platinum in 10% increments.

All of the plans in the different tiers will offer some minimum benefits deemed essential and no one can be denied coverage due to a pre-exisiting condition.

For those of you covered by employer provided health care coverage you may be "grandfathered" in to a plan that you can keep.

Effective 1/1/2014:

  • The elimination of pre-existing medical conditions. Insurance companies can no longer charge you a higher rate due to your medical history.
  • A fee or penalty will be imposed on those individuals who are not covered by an acceptable insurance plan. The only exemptions allowed to the coverage provision and penalty are for religious reasons or if you cannot afford one. The affordability test is if the least expensive policy exceeds 8% of your income.
  • Medicaid will be available to more people. Individuals with incomes up to 133% of the poverty level will now be Medicaid eligible.
  • Some small businesses will get tax credits for two years.
  • Employers with over fifty employees must offer their full-time workers health insurance or pay a $2,000 penalty per employee.
  • The bill will place limits on the maximum annual deductible that insurance companies can charge.
  • The bill establishes what is known as health insurance exchanges so that low and middle class families (up to 400% of the poverty level) will have an access to affordable insurance plans. The exchange is basically a state run health plan that is eligible for federal subsidies in the form of tax credits.
  • Members of Congress will no longer be offered insurance through the Federal Employees Benefits Program but will instead have to choose from plans offered through the insurance exchanges.
  • A new tax will go into effect on pharmaceutical companies and will be based on their market share.
  • A new tax of 2.3% will go into effect on the purchase of medical equipment.
  • The Schedule A or itemized deductions level for deducting medical expenses will increase from 7.5% to 10% of your earned income.

Effective 1/1/2015:

Physicians who provide consistent high quality care will receive larger payments from CMS (Centers for Medicare and Medicaid Services). This one is difficult to envision as how to measure the quality of health care is a very debatable issue.

Effective 1/1/2016:

The itemized medical threshold for seniors rises from 7.5% to 10%.

Effective 1/1/2017:

States may apply for a waiver to the PPACA if they can come up with their own health plan, which meets certain criteria. The request will be made to the Secretary of Health and Human Resources and the state plan should be able to provide the same level of care and affordability as that provided by the PPACA.

Effective 1/1/2018:

  • All existing health care plans, not just the new ones, must cover preventative care without co-payments.
  • A new 40% excise tax will be imposed on so-called “Cadillac” insurance plans. These are very expensive health care plans that cost in excess of $27,500 for a family plan and $10,200 for an individual plan.

Effective 1/1/2019:

The bill would provide and extension of Medicaid coverage to former foster care children who were in foster care a minimum of six months and are under 25 years of age.

Effective 1/1/2020:

A complete elimination of the Medicare Part D coverage gap.

The PPACA is good for America?

See results

That’s it. Hopefully this provided a quick and concise summary of exactly what Obamacare is and how it is going to affect all of us. There certainly is a lot to this bill and it is undoubtedly going to alter health care in the United States.

I should add a disclaimer here that publication of this PPACA Summary in no way reflects any personal opinion or stance that the author may have on this issue. This was simply an effort to educate myself and any potential readers about a topic that will affect all of us.


© 2012 Bill De Giulio

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    • JON EWALL profile image

      JON EWALL 3 years ago from usa

      Hubbers

      An update check these links 2/10/14

      Obama announced a 2 yr extension to business to OBAMACARE House has already passed HR2267 http://www.speaker.gov/jobs

      Obamacare numbers don’t add up

      http://video.foxnews.com/v/3068704014001/krauthamm...

      The Hidden Obamacare Taxes That Will Crush The Middle Class

      http://moneymorning.com/ext/articles/obamacare/oba...

      3/5/11 $105 Billion Hidden Appropriations in Health Care Law https://hubpages.com/politics/105-Billion-Hidden-A...

      The monthly premium for him and his wife is $1,062, but the federal government pays a subsidy of $903. The couple pay the remainder, $159 a month. http://www.nytimes.com/2014/01/11/us/enrollees-at-...

      BO and DEMS own the law 100%, instead of fixing the law many are not running in Nov 2014. Cowards showing their true colors.

    • bdegiulio profile image
      Author

      Bill De Giulio 3 years ago from Massachusetts

      Hi Sanxuary. Thanks for the input. It certainly has its problems at the moment.

    • profile image

      Sanxuary 3 years ago

      I think the way it was before was terrible but I think that it is on its way to a huge battle in the future. With no media attention or true numbers we are only two months into figuring out what the truth is. Most puzzling is the upper middle class that is seeing its cost go three to as much as 700 dollars a month for coverage. I find this to be unrealistic if true and hardly consider this to be affordable. People who our married but do not work are severely effected by this cost. I am still waiting for the truth but definitely think the system has some severe problems. It begins completely with the lack of information and remember no citizen ever voted for this and yet we remain in the dark on the cost to be insured. If it is affordable its beginning to sound pretty expensive.

    • bdegiulio profile image
      Author

      Bill De Giulio 3 years ago from Massachusetts

      Hi Claire. Thanks for the input. Sorry to hear that. I'll give your hub a read.

    • clairewait profile image

      clairewait 3 years ago from North Carolina

      I can tell you how it directly has affected me so far. It has been a nightmare. https://hubpages.com/politics/Government-Healthcar...

    • JON EWALL profile image

      JON EWALL 3 years ago from usa

      bdegiulio MarleneB

      The exchanges open on Oct 1, the President says so.Buying into obamacare will be an exciting trip since the law is still being written.Low rates with high deductables and co pays will knock your socks off that's if you are not one of the lucky ones that the government will subsidize ( taxpayer money )

      Hospital Billing Varies Wildly, U.S. Data Shows

      http://www.nytimes.com/2013/05/08/business/hospita...

      a facility may raise its charges to protect its bottom line,Government Controls are the problem in most instances.

      8/26/13

      Retiring doctors mean problems for newly insured under ObamaCare

      http://www.foxnews.com/politics/2013/08/26/retirin... 9/4/13

      Obamacare Will Increase Health Premiums By 24%, On Average

      http://www.forbes.com/sites/theapothecary/2013/09/...

    • bdegiulio profile image
      Author

      Bill De Giulio 3 years ago from Massachusetts

      Thanks Jon. Appreciate the input.

    • bdegiulio profile image
      Author

      Bill De Giulio 3 years ago from Massachusetts

      Hi Marlene. Thank you. I was just trying to educate both myself and the public from an unbiased position. Thank you for the comments and share.

    • MarleneB profile image

      Marlene Bertrand 3 years ago from Northern California, USA

      Thank you Jon Ewall. One day, I sat down and read through the whole document. I was exhausted after reading that thing. I wish everyone would take the time to read through it. I am sure that after the first few pages they would get the gist of what that program is really all about.

    • JON EWALL profile image

      JON EWALL 3 years ago from usa

      MarleneB

      Oct 1,2013 is coming the President says the exchanges will be open for business.The CR to fund the government is also a main topic . check these links for an up to datehttp://www.foxnews.com/on-air/fox-news-sunday-chri.../86913/v/2704603987001

      Kevin McCarthy talks roadmap for budget showdown

      http://www.foxnews.com/on-air/fox-news-sunday-chri.../86913/v/2704603987001 TRUE FACTS

    • MarleneB profile image

      Marlene Bertrand 3 years ago from Northern California, USA

      This is the most unbiased account of the Obamacare program I have ever read. Thanks for just reporting the facts regardless of your personal opinion. I know it was difficult, but you did it with finesse. Excellent job. Sharing!

    • JON EWALL profile image

      JON EWALL 3 years ago from usa

      bdegiulio

      Some of the hidden facts are now appearing in the news,some are very interesting.

      2/27/10 the beginning

      HOW DID BARAK OBAMA CLOSE THE HEALTHCARE SUMMIT?

      https://hubpages.com/politics/BARAKOBAMAHEALTHCARE...

      President was arrogant and disturbed to facts presented by the Republican members

      3/26/13

      Insurers warn of overhaul-induced sticker shock

      http://bigstory.ap.org/article/insurers-warn-overh

      2/8/13

      The 7 Biggest Obamacare Lies

      http://moneymorning.com/2013/02/08/the-7-biggest-o...

      the biggest Obamacare promises were Obamacare lies.

      2/11/13

      The Real Cost of Obamacare

      http://moneymorning.com/2013/02/11/the-real-cost-o...

      July 2, 2013

      Obamacare's employer mandate delayed a year

      http://www.cbsnews.com/8301-18563_162-57592075/oba...

      6/29/13

      Republican bill to annul Obamacare exchanges

      http://www.cbsnews.com/8301-250_162-57591646/sen-p...

      6/23/12 Obamacare It’s a TAX

      Supporters Slow to Grasp Health Law’s Legal Risks

      http://www.nytimes.com/2012/06/24/us/past-denials-...

      Reid: Obamacare could be "train wreck" without more money

      http://thehill.com/homenews/senate/297333-reid-say...

      Unions, the reliable Democratic supporters, split from president on ObamaCar

      \http://www.foxnews.com/politics/2013/05/25/unions-...

      There will be more information in the future?

    • JON EWALL profile image

      JON EWALL 4 years ago from usa

      bdegiulio

      '' just trying to present the facts ''

      3/14/13 an update Ryan and Van Hollen Debate Medicare Proposals 6/3/11

      http://www.youtube.com/watch?v=o_SHUELJci4

      Reid: Obamacare could be "train wreck" without more money

      http://thehill.com/homenews/senate/297333-reid-say...

      Billions of Dollars Are in Play Over Health Care Law

      http://www.nytimes.com/2012/06/22/health/billions-...

      3/26/13

      Insurers warn of overhaul-induced sticker shock

      http://bigstory.ap.org/article/insurers-warn-overh

      5/1/13 Train Wreck Ahead

      http://www.creators.com/opinion/john-stossel/train...

      details of President Obama's Affordable Care Act

      3/22/13 Obamacare

      How Will the New Health Law Affect Your Premiums?

      http://blogs.wsj.com/corporate-intelligence/2013/0...

      IRS to play major role in Health-care system ( penalty/ tax)

      CBO estimates that 4 million people will pay the penalty The government will need to hire 4000 more IRS agents to watchdoog the taxpayers.

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Thanks FlourishAnyway. As you can tell from some of the comments this did not go over well with some folks. But, I was just trying to present the facts and educate both myself and readers as to what is in the Bill. Thanks so much for stopping by.

    • FlourishAnyway profile image

      FlourishAnyway 4 years ago from USA

      Thanks for providing a non-partisan review of the law's contents with timetables. Sometimes it's important to just get the straight facts rather than spin from either side. You are brave for tackling the subject.

    • JON EWALL profile image

      JON EWALL 4 years ago from usa

      Healthexplorer

      ''support for a positive healthcare plans and provides positive aspects to the patients.'' Compare the statement to Speaker Pelosi who said '' we need to pass the bill so that we can find out what's in it ''

      The Democrats in the House and Senate, without reading, debating or allowing the Republicans to have input, passed the bill. The President urged passage without delay.

    • JON EWALL profile image

      JON EWALL 4 years ago from usa

      bdegiulio

      You're welcome, my pleasure.

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Thanks for the input Jon.

    • JON EWALL profile image

      JON EWALL 4 years ago from usa

      bdegiulio

      The President wants a second term. CHECK THESE LINKS.

      New study shows ObamaCare increases deficit, knocking down president's vow

      http://www.foxnews.com/politics/2012/04/09/study-c...

      Issa threatens subpoena this week over ObamaCare documents

      http://www.foxnews.com/politics/2012/10/17/issa-th...

      Medicare is WAISTING more than $8 billion on an experimental program that rewards providers G.A.O. Calls Test Project by Medicare Costly Waste

      http://www.nytimes.com/2012/04/23/health/policy/ga...

      The President says one thing but has a habit of doing something else, can he be trusted?

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Pretty humorous.

    • tsadjatko profile image

      TSAD 4 years ago from maybe (the guy or girl) next door

    • debbiepinkston profile image

      Debbie Pinkston 4 years ago from Pereira, Colombia and NW Arkansas

      Thank you so much for this information, and I look forward to learning more.

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Debbie,

      As far as I can tell all policies offered in the Exchanges will not be the same. These polices will be offered by private insurers and the intent of the exchange is to give consumers a place to shop and compare polices. The constant in all of them is that preventive care procedures such as mammograms, colonoscopies and routine physicals will be covered with no co-payments.

      The Health Care Exchanges will be administered by the States and they are in the process of setting these up to be ready for 2014. There will be four tiers of coverage, which will range from 60% up to 90% and the policy premiums will go up as the percent of coverage rises.

      Another fact in this bill is the "grandfather clause", which means that you can keep the current coverage that you have if the plan was in effect prior to March 23, 2010.

      This is the link to the website that was created for the PPACA. There is a lot of info here:

      http://www.healthcare.gov/law/index.html

      I'll keep adding info as I learn more. Hope this helps.

    • JON EWALL profile image

      JON EWALL 4 years ago from usa

      bdegiulio

      It's all about the truth!

      President Barak Obama’s Economic Stimulus

      https://hubpages.com/politics/PresidentBarakObamaE...

      The shovel ready jobs that President Obama proclaimed

      Stimulus Spending Was Wasted Money $825BILLION

      https://hubpages.com/politics/Stimulus-Spending-Wa...

      Voted on and passed by a super majority controlled Democrat Congress

      Where Did All The Money Go? STIMULUS

      http://www.gop.com/images/research/where_did_all_t...

      Voted on and passed by a super majority controlled Democrat Congress

      17 Stimulus russs choma

      Money from the 2009 stimulus bill to help support the renewable energy industry

      http://investigativereportingworkshop.org/investig

    • Prakash Dighe profile image

      Prakash Dighe 4 years ago from Dallas, Texas, USA

      Bill, obviously your analyzing Obamacare in such an easy-to-understand and factual manner has not gone down too well with it's haters! They'd have us believe that what Fox News says is all that matters! Once again, well done!

    • JON EWALL profile image

      JON EWALL 4 years ago from usa

      bdegiulio

      Obamacare is all about smoke and mirrors.

      The President's Speech Distorts the Truth

      http://www.facebook.com/notes/paul-ryan/the-presid...

      June3.2011 no changes for 55 over

      Ryan and Van Hollen Debate Medicare Proposals 6/3/11 '' THE TRUTH ''

      http://foxnewsinsider.com/2011/06/03/ryan-and-van-...

      Try to make the right decision on Nov.6, 2012 when you cast your vote.

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Thanks Jon. Appreciate the contribution. I will give these links a read.

    • JON EWALL profile image

      JON EWALL 4 years ago from usa

      bdegiulio

      A bit more information for your hub.

      New study shows ObamaCare increases deficit, knocking down president's vow

      http://www.foxnews.com/politics/2012/04/09/study-c...

      Issa threatens subpoena this week over ObamaCare documents

      http://www.foxnews.com/politics/2012/10/17/issa-th...

      Medicare is WAISTING more than $8 billion on an experimental program that rewards providers G.A.O. Calls Test Project by Medicare Costly Waste

      http://www.nytimes.com/2012/04/23/health/policy/ga...

      ''the facts to educate not only myself but potential readers.''

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Hi HSchneider. Thank you for the input. I was just trying to present some of the facts to educate not only myself but potential readers. It is obvious that this subject creates a lot of emotions and strong opinions.

      Thanks again for the read and comment.

    • profile image

      Howard Schneider 4 years ago from Parsippany, New Jersey

      Very informative Hub, Bdegiulio. There is too much mis-information and ignorance regarding this law circulating around out there. You have give a very concise and clear summary. Of course as I can see in the comments, the haters wish to use this excellent Hub as a platform to criticize the plan. Great work.

    • JON EWALL profile image

      JON EWALL 4 years ago from usa

      2besure

      ''you have health benefits. You guys just don't get it'' We have Medicare and we pay for our healthcare insurance. There is a reason why you complain that you don't have healthcare insurance, can you explain?

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Hi Debbie, Sure, give me a few days to gather info and get it into the Hub. You are correct in that many people have formed an opinion on this subject without knowing all of the facts. The more details we know the more educated of a decision we can all make. Thanks.

    • debbiepinkston profile image

      Debbie Pinkston 4 years ago from Pereira, Colombia and NW Arkansas

      My insurance agent called me today and told me that it is estimated that premiums WILL go up for most people as our premiums will be helping to pay for those who currently don't have insurance but will be required to get insurance under the new plan. He also said that all policies will be the same, with maternity coverage and other optional items no longer optional, a "one-size-fits-all", where we will be paying for things we do not need coverage for.

      Bill, could you address these questions? I appreciate all you have done to research this and the information you have shared with us. I definitively know more now after reading your Hub and would like to increase my knowledge before the elections. I'm counting on you to come back with more information for us.

      As far as the criticism you have received in previous comments, I would say that what you provided is very helpful even if you didn't provide everything there is to know about the plan. This is a heated subject with many people's opinions based on speculation so the more information the better.

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Hi ib radmasters. Not knowing anything about the PPACA when I started this I wanted to present what exactly was in the bill. How it affects everyone will be different and will depend everyone's circumstances in life. Perhaps I should have titled the Hub differently? Everyone's 1040 is different and it would be impossible to go through all of the different scenarios. I certainly appreciate the fact that there are hundreds of questions. But in order to ask the right questions we need to first know what is in the bill.

      Thank you for taking the time to read and constructively comment.

    • ib radmasters profile image

      ib radmasters 4 years ago from Southern California

      bdegiulio

      Unfortunately your intentions and your results don't match.

      I am sorry but the information presented here is not meaningful to understand Obamacare and how it effects people.

      Perhaps a more meaningful presentation would compare the existing system and contrast it with the Obamacare.

      What will our 104o look like next year and in later years as a result of Obamacare.

      What are the health insurances premiums now, and what will they be under Obamacare?

      There are hundreds of more questions ......

      This was my comment using constructive criticism.

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Hi Prakash. Thanks for stopping by. I was trying to present just the facts. Hopefully it came across that way. Appreciate the VU. Have a great day.

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Hi Debbie. Thank you for your comments. I was one of the uninformed prior to asking myself, what exactly is in the bill that is causing so much controversary? I feel that I am now more informed.

      Thanks for reading. Have a great day.

    • Prakash Dighe profile image

      Prakash Dighe 4 years ago from Dallas, Texas, USA

      Very well presented in a balanced and non-partisan manner. Thanks for simplifying all the hype about this Act, Bill. Voted up!

    • debbiepinkston profile image

      Debbie Pinkston 4 years ago from Pereira, Colombia and NW Arkansas

      p.s. I don't see that anyone has a better plan.

      NO plan= more people will die because of lack of health care. This plan makes provision for everyone to be able to afford insurance, and no one will be turned down for pre-existing conditions (exactly the reason people NEED insurance). I haven't been able to afford my preventive care exams here in the U.S. because my insurance doesn't cover them...so wait til I do have some serious illness and THEN figure it out?

      Where will the funds come from? Fewer people will need Medicaid because they'll have insurance, so that's where it will come from.

    • debbiepinkston profile image

      Debbie Pinkston 4 years ago from Pereira, Colombia and NW Arkansas

      THANK YOU SO MUCH FOR THIS HUB! I have been asking people around me to please tell me why they are so anti-Obamacare and most of them can't actually tell me or give me a good reason.

      Most answers I get are fabrications or what they have "heard" that ObamaCare stands for. Some claim that we're headed to socialized medicine like those "communist countries". Other claim that they will no longer have a choice as to which doctor they see for their illnesses.

      I think most people are not informed at all and make unfounded assumptions. I like to think that our Hub community, while very diverse, is conformed of intelligent people who really want the facts.

      Thank you for providing the facts!

    • JON EWALL profile image

      JON EWALL 4 years ago from usa

      bdegiulio

      ''scope of this Bill. It is very complicated?'' Worst part, it is still being written after it was passed by Congress and signed into law by President Obama.

    • bdegiulio profile image
      Author

      Bill De Giulio 4 years ago from Massachusetts

      Thanks to everyone for the insightful comments. I wasn't trying to create a storm, just lay out the facts. Obviously, how this all gets paid for is a big question?

      What I found amazing to me in researching this was the scope of this Bill. It is very complicated?

      Jake, I will find the gov't website that PPACA created and add it. Thanks

    • carol7777 profile image

      carol stanley 4 years ago from Arizona

      Well this lays out the bill and it looks good. However, it is going to cost a great deal of money and where is that coming from.?

    • 2besure profile image

      Pamela Lipscomb 4 years ago from Charlotte, North Carolina

      JON EWALL, either you or you spouse are well, or you have health benefits. You guys just don't get it. That is the heartlessness of the Republican party! If you are sick, Die! Romney has nothing to replace Obamacare with! Nothing at all!

    • JON EWALL profile image

      JON EWALL 4 years ago from usa

      2besure

      ''I pray President Obama is re-elected, so I can get proper , affordable, medical care!'' These links will give a better idea of what Obamacare is all about.

      Billions of Dollars Are in Play Over Health Care Law

      http://www.nytimes.com/2012/06/22/health/billions-...

      largest share of the money to date, about $5 billion, has gone to employers, public retirement plans, unions and others

      Ryan and Van Hollen Debate Medicare Proposals 6/3/11 '' THE TRUTH ''

      http://foxnewsinsider.com/2011/06/03/ryan-and-van-...

      Obamacare, Taxing jobs out of existence

      WHY are companies not hiring?

      http://www.humanevents.com/article.php?id=51364

      GOVERNMENT HEALTHCARE REFORM

      https://hubpages.com/politics/GOVERNMENTHEALTREFOR...

      IRS to play major role in Health-care system ( penalty/ tax)

      CBO estimates that 4 million people will pay the penalty

      http://www.azcentral.com/news/articles/2012/07/07/...

      Obamacare – Anatomy of Government Fraud

      https://hubpages.com/politics/Obamacare-Anatomy-of...

      New study shows ObamaCare increases deficit, knocking down president's vow

      http://www.foxnews.com/politics/2012/04/09/study-c...

      The second Presidential debate is on Tues, Oct 16,2012, try not to miss the debate.

      New study shows ObamaCare increases deficit, knocking down president's vow

      http://www.foxnews.com/politics/2012/04/09/study-c...

    • Jake4102 profile image

      Jacob Smiley 4 years ago from Nebraska USA

      Lots of useful information here! Thank you very much. Something I was wondering is what is URL to the government website that the PPACA created? That may be some more useful information to include in this. Voted up!

    • 2besure profile image

      Pamela Lipscomb 4 years ago from Charlotte, North Carolina

      I had chest pains and weakness and went to the emergency room tonight. My husband works for himself , and we do not have medical insurance. I have six preexisting conditions that would exclude me from any insurer. Mitt Romney suggestion is go to the emergency room. I did and with all the testing, will now have a 2,600 bill that I do not have! They wanted to admit me, but I couldn't afford it! I pray President Obama is re-elected, so I can get proper , affordable, medical care!

    • ib radmasters profile image

      ib radmasters 4 years ago from Southern California

      What I needed to know was how pathetic this care bill is and how it doesn't create any quality in health care.

      It also adversely affects seniors.

      It also took almost five years before it became effective. People died during that timespan.

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