Patient Protection and Affordable Care Act

The Patient Protection and Affordable Care Act

The Patient Protection and Affordable Care is a statute passed by the United State Congress on March 21, 2010, and signed into law on March 23, 2010 by United State President Barack Obama. The law was challenged all the way to the Supreme Court by many states within the U.S. as unconstitutional. On June 28, 2012 the United State Supreme Court passed a ruling upholding the law for the exception of the Medicaid Expansion portion which it provided the states autonomy and deciding whether to expanding Medicaid as a provision of the law. The Patient Protection and Affordable Care Act has many different un-official names that it is commonly referred by such as Obamacare, ACA, Health Care Reform, Health Care Law. The Patient Protection and Affordable Care represent the biggest change in the United States Health Care system since 1965 when Medicaid and Medicare was put in place.

Patient Protection and Affordable Care Act:Goals

The main goal of The Patient Protection and Affordable Care is to help decrease the number of Americans who do not have health insurance, as well as help reduce the overall cost of health care in the United States. The cost of health care in the United States has been increasing at a faster rate than inflation. The Patient Protection and Affordable Care also put in place many regulations to help protect the benefit and level of service individuals receive from their health care providers.

Patient Protection and Affordable Care Act: Provisions

The various provisions of The Patient Protection and Affordable Care will be phased in over a period of 10 years. The provisions of the law went in effect in 2010, and will continue through 2020. Below is a list of the main provisions of The Patient Protection and Affordable Care

Guaranteed Coverage:
This a requirement that everyone be issued a health insurance policy regardless of community rating, pre-existing medical conditions, or age. Policy providers cannot charge higher premium to any applicant with any of the previously stated conditions. Everyone within the same age group, and location must be charged the same premium.

Individual Mandate:
 This is a requirement that everyone must purchase health coverage. This is a requirement for all individuals that do not have an employer sponsored plan, Medicare, Medicaid, or any other state public health insurance program. If you do not purchase health coverage you will be charged a Health Insurance Tax

Health Insurance Exchange:
Each State will establish a state run health insurance exchange. A Health Insurance Exchange is market place for individuals and small business to purchase insurance . State also have the option of defaulting to the federal government to setup and manage one for the state.

Medicaid Expansion:
State that choose to partake in Medicaid Expansion will change the state Medicaid eligibility to offer Medicaid to anyone within 133%-400% of the federal poverty level.

Lifetime/Annual Caps Banned:
Health Insurance providers will no longer be able to set financial limits on the amount of payout for healthcare to their members on a lifetime, or annual basis.

Business Health Insurance Tax:
Companies with 50 or more employees with at least one full time employee must provide health insurance or pay a fine starting at the 31st employee. Please click her to read more on business taxes and the health care law

Preventative Services: 
Certain preventative services that will be considered “essential benefits” will be free of co-payments, co-insurance or deductibles.

Patient Protection and Affordable Care Act: Funding

The Patient Protection and Affordable Care: will be funded through a variety of channels including the Health Insurance Tax for individuals and families who forego health coverage, and Increase in Medicare Tax for incomes above $200,000, Excise tax on Medical supplies, and Cadillac plans, Tax on tanning, and reduction of various Medicare Advantage programs.

It is projected within the next ten years the following taxes will be increase to generate revenue.

  • Medicare tax rate increase  $210.2 billion
  • health insurance providers annual fee: $60 billion
  • 40% excise tax on health insurance Cadillac $32 billion
  • Annual fee on manufacturers and importers of branded drugs: $27 billion
  • Impose a 2.3% excise tax medical devices:$20 billion
  • medical expenses deduction to 10%: $15.2 billion
  • Limit FSA/HAS Contributions to $2,500: $13 billion
  • All other revenue sources: $14.9 billion


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  1. Not a lie; they can do it. just read the bill for yourself. Don't listen to anyone (even me) UNTIL you read it all for yourself.

  2. Is this true? Before the Affordable Care Act, health-insurance policies could not be sold across state lines; now policies sold on the Affordable Care Act exchanges may not be offered across county lines.

  3. Aaron Staley, so do private concerns business, corporations, also infiltrate our lives, in ways that are much worse than government intrusion. It knows what tooth paste you use for example.

  4. Jerry Soriano So what you are saying is don't bother reading the affordable care act, because the "evil corporations" do much worse to us than the government. I'm sorry sir, that just isn't true. Corporations do indeed gather marketing information, but it's the government that can gather your money (by force). So read the bill. Really read it. You will find stuff in there that will make your eyes pop.

  5. You're right. We should learn from the fact that Pelosi told the reps "to pass it, you can read it later". Would anybody here sign a contract without reading it first.

  6. I couldn't get on; it's not working…..just like the ACA.

  7. Yeah Elaine, hows that "pleasant surprise" treating you now? It is far from "affordable care". This is a giant redistribution of wealth scheme by the "no experience doing anything" person in the whitehouse. You people that blindly follow this clown will find out just how much the american people love this in the elections this year

  8. Why wasn't the information supplied to every American before it was signed into law? Did everyone who signed this Bill actually read every page of this Bill? I think not.. I don't have too much faith in this government, but I keep praying that God will draw them closer to him so they will be more truthful and transparent with the American people with the government doings and dealings in the future. If that is possible. In order for God to help America, America needs to go to God and ask Him to help them change their ways. Let us all pray for better days and turn from our wicked ways and draw near to Jesus. He stands in for us as we speak and pleads our case with the Heavenly Father.

  9. Since the Patient protection Act was enacted on a Federal level it should include where one can file complaints, suggestions, and comments.