Case study on Obamacare, how it changed the health insurance marketplace in USA. Know the facts about obamacare and insurance marketplace in USA, visit https://truecoverage.com for more information on health insurance.

1. Brianwas56yearswhenhegothimselfahealthinsuranceplanthatwouldallowhimtopay
lesserpremiumsof($100)andgetcoveredforhiscompletetreatment.Thesubsidizedpremium
cametohimashisbossOliverwouldaddinmoreinhishealthinsuranceplan,whichwouldbe
usedinparallycoveringupBrian’sclinicalprocedures.
Result
Conclusion
Figure1:TheforecastonhowObamacareisgoingtoimpactAmerica’shealthinsuranceexpenditure
(Source:h p://www.vox.com/2016/6/21/11981610/health-spending-slowdown-obamacare)
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ExecutiveSummary
Challenges
AffordableCareAct(ACA),colloquiallyknownas
Obamacarehascomeashugebenefitforthesenior
cizensandseriouslyillpaents,whoareunableto
supporttheirhugehealthcarebills.Acasestudyof
BrianPiccofrom90419thStreet,NWAlbuquerque,
NewMexico,USA.
Hedidnothaveanyprivateinsuranceandhad
topayfromhispocketforthetreatment
Brianneededtobehospitalizedforanumberof
treatmentprocedures,allofwhichwouldhave
tobepaidagainfromhispocket
Heneededakidneytransplant,theoperaon
andorganreplacementwasacostlyaffair,and
onlyaporonofitwasge ngcoveredbyhis
corporateinsurancewhichhenolongerhad
Thepost-operavestayinthenursinghome
andmedicineswereanothersetofhuge
expenditures
Brianhadnowaystopayforsuchahugeexpenditures,otherthansellinghiscondoandusingthemoneyfor
treatment.Also,Brianwouldnotbeabletocarryonwithhisassembler’sworkaerhehadrecovered.The
enrescenariohadworkedadverseonBrian’sbothmentalandphysicalhealth.Thetreatmentwasalsonot
workingitsbestonBrianowingtothehugemonetarytensionhewasfacingthen.
ThisThiswasyear2012October,andBrianhadbeenundergoinghisrenaltreatmentrightfromJune,2011.Brian’s
managerOliverwasayoungguyof36andtryinghisbesttohelpBrianoutofthismess.WhileOliverwent
aboutcreanganofficecharityfund,whereeveryemployeetriedchippinginsomeamount,Oliverrealized
thiswouldnothelpBrianundergohiscompleterecovery.
HowthenewhealthinsuranceplanunderObamacareHelped
Asluckwouldhaveit,Oliver’swifeTaanawasworkingwithaninsurancecompany.TheObamacarehad
beenlaunchedjustacoupleofyearsback-March23,2010.TaanatookupBrian’scaseandenrolledhim
intoahealthinsuranceplan.
Brianwas55whenhewasdiagnosedwithserious
renalcomplicaons.Heworkedasanassembler
withanSME,about10kmsawayfromwherehis
condowas90419thStreet.AsBrianwasinvolved
withassemblingwallpanels,roofs,floortrussesor
differentmillworks,hewouldinevitablyinhalealot
ofdustparclesandotherpollutants.
Brianhashadtwosurgeries,onein2013Mayand
theotheron2014February.Boththesurgeries
weresuccessfulandBrianwasreleased14days
aerhiskidneyreplacement.Allhishospital,
surgeryandothermedicalbillsgotcoveredunder
thehealthinsuranceplanhehadtaken.Thanksto
the melylaunchofPaentProteconAffordable
CaCareAct(PPACA),beerknownasObamacare,
Briandidnothavetosellhisonlyasset,his
condominiuminAlbuquerque.
Eventhoughtherearedifferentongoingdebates
regardingObamacareandDonaldTrumpfeelshewill
removethishealthcareinsuranceplanincaseheis
electedasthePresident,thereareampleevidences
suchasBrian’sthatistryingtostronglyvouchforthe
AffordableCareAct(ACA)toremaininpracce.Many
moresuchcases,notjustforelderly,butalsoyoung
studestudentsunder26etc.areagreeingtotheimmense
benefitstheycanavailthroughtheACAorObamacare.
BeforePaentProteconAffordableCareAct(PPACA)
cametothemarket,around44millionAmericanswere
uninsuredunderanyhealthinsuranceplansandsome
38millionAmericanshadinadequatehealthinsurance
coverage. Ever since Obamacare has been
implemented,thenumberAmericanswhohavebeen
capped underproperhealth insurance coverage
amouamounttosome16.4million.Thepresentgovernment
islookingintooneofthemostworryingcondions
hinderinghealthyandprosperouslivingintheUSA.
ThankstoPPACAorACAorObamacare,peoplewillnot
gobankruptpayingtheirmedicalbillsorremain
withouttreatment.
Havinglivedthrough20yearsofadvancesin
healthcarebutnotanysignificantadvancesin
dealingthechronicproblemofjustthe
unacceptablyhighrateofuninsured(people)inthe
UnitedStates,atleastwearemovingforward,” -
GeraldKomniski,Director,CentreforHealthPolicy
Research,UCLA.
SowhatdidObamacareprovidetoBrian?
Briandidnothavetosellhisonlyasset,hiscondoto
payforhismedicalexpenses
Haditnotbeenforthesubsidieshereceived,Brian
couldnothavebeenabletoaffordhealthinsurance
andtwomajorsurgeries,meaningBrianwouldstay
bedriddenforafewmoreyearsandwaitfordeath
totakeawayhispain.
Briannotonlycanliveinhisapartmentnow,hecan
alsotakeupsomesortofdeskjoborthosejobsthat
willallowhimtositinaplaceandwork.Hewillnot
havetomovetoacharitablehomeorbegonthe
streets.
Brian’sbossOliver,thoughispayingahighersum
thanhewouldpayearlier(beforeObamacarewas
implemented),hesllisyoungenoughandcan
managetoamasshispremiumandsecurehimself
ofsimilaradversies,lestithappens.
Oncehewasoutofjob,therewerefollowingissues
Brianfacedinpayinghistreatmentbills:
CASE
STUDY
HOWOBAMACARECHANGED
theHealthInsurance
MarketinUSA
Americancustomersgofearlessinbuying
theirhealthcareInsurance-Thanksto
Obamacare
“eUnitedStatesisspendingtrillions— yes,trillions
— lessonhealthcarethangovernmentforecasters
expectedwhenObamacarepassedin2010,”-
SarahKliff,Vox.