Obamacare vs. ACA: What works for you?

Last week as the government shut down and enrollment for the new health care exchanges began, I was amused to discover a friend’s Facebook post. In it, a correspondent from the Jimmie Kimmel show asked people on the street: “Which is better, Obamacare or the Affordable Care Act?”

It became obvious very quickly that many people don’t know they are one and the same thing. Consequently, they also had little idea what the duly passed and Supreme Court-upheld law does.

First, the law has been taking effect gradually. As the Department of Health and Human Services outlines on its site:

• 2010 – A Patient’s Bill of Rights and cost-free preventative coverage for most Americans went into effect. These features protect consumers from the worst abuses of insurers and eliminate out-of-pocket expenses for preventive practices like physicals. Young people up to age 26 can stay on their parents’ insurance.
• 2011 – People on Medicare began to receive no-cost preventative care and a discount on brand name drugs in the donut hole.
• 2012 – Programs like Accountable Care Organizations began work to help doctors, hospitals and clinics work together to provide better health care.
• 2013 – Health care exchanges opened and the enrollment period began, allowing more Americans access to affordable health insurance.
• 2014 – Health insurance plans via the exchanges go into effect as early as Jan. 1, and tax credits and subsidies will help small businesses and individuals afford coverage that was previously unaffordable.
I recommend you visit the site to view the full list of benefits for each year.

Additionally, Ezra Klein outlined 11 facts about ACA in a June 2012 post on the Washington Post’s Wonkblog. Some highlights include:

• By 2022, the Congressional Budget Office estimates the ACA will have extended health coverage to 33 million people who were previously uninsured.
• Insurance companies cannot deny coverage for pre-existing conditions.
• Insurance companies are required to spend 80-85 percent of every premium dollar on medical care instead of advertising, administration and marketing.

As Klein notes in his post, much of his information came from the Kaiser Family Foundation and their excellent summary of the law. I also recommend visiting this site, as Kaiser has done much of the earliest, deepest and best research on the law and its effects.

Finally, myths about ACA have been swirling since before it was passed, and as usual, my old standby, Factcheck.org, does some of the best work sifting truth from fiction on its Obamacare Myths page. For example, Factcheck rates the current rumor that Congress is exempt from ACA as “False.”

Factcheck writes: “Congress isn’t exempt from the law. In fact, members and their staffs face additional requirements that other Americans don’t. Beginning in 2014, they can no longer get insurance through the Federal Employees Health Benefits Program, as they and other federal employees have done. Instead, they are required to get insurance through the insurance exchanges.”

ACA was designed to help people like us, and though it’s far from perfect, it does. To learn more, attend a community conversation on ACA at 5:30 p.m., Thurs., Oct. 10 at the Red Oak Fire Station. Come hear local people, some you may know, share their own health insurance stories and how ACA will affect them.