On March 23, 2010, President Obama signed the Affordable Care Act into law, putting in place comprehensive reforms that improve access to affordable health coverage for everyone and protect consumers from abusive insurance company practices. (Rich, Cheung, Lurvey, 81) Signed under the title of The Patient Protection and Affordable Care Act, the law included multiple provisions that would take effect over a matter of years, including the expansion of Medicaid eligibility, the establishment of health insurance exchanges and prohibiting health insurers from denying coverage due to pre-existing conditions.
Before the ACA law, a person could be denied coverage or treatment because of a pre-existing condition, charged more because of gender, dropped mid-treatment for making a simple mistake on the application and had little or no way to fight insurance company appeals. One of the major things the ACA does is to help individuals receive health insurance through expanding Medicaid and Medicare and offering cost assistance to Americans who cannot afford healthcare. (Rich, Cheung, Lurvey, 205) Most Americans will have to have health insurance by January 1, 2014 or pay a fee on their year-end taxes.
In 2012, the Patient Protection and Affordable Care Act (ACA) 2010 won two major battles when the Supreme Court upheld the majority of the law as legal; however, the ACA still faces tough challenges, as this year, critical parts of the law
References: Rich, R. F., Cheung, E., & Lurvey, R. (2013). The patient protection and affordable care act of 2010: Implementation challenges in the context of federalism. Journal of Health Care Law & Policy, 16(1), 77-140. Richardson, L. E., & Vilmazer, T. (2013). Understanding the impact of health reform on the states: expansion of coverage through medicaid and exchanges. Journal Of Consumer Affairs, 47(2), 191-218 Some states -- Texas included -- resisting Medicaid expansion. (2012). Fort Worth Business Press, 24(28), 10. Stultz, D. (2013). Texas leaders should back coverage expansion. Modern Healthcare, 43(44), 27. Texas has only one rational choice expanding Medicaid (n.d.). Retrieved from perrymangroup.com