Ashlee Harvey Kaplan University Final College Composition

The topic I am writing about is Obama Care. I chose this topic because while we see it frequently in the news, not many take the time to research it independently more in depth. Topics like abortion, marijuana, and sexual orientation have been exhausted beyond means. Obama care effect more people on a wider scale, where not everyone is affected by a person’s choice of sexual orientation. Obama care affects us as a country as well as individually. I am against Obama Care based on the little print that not everyone takes the time to read. For instance the lax regulations as to who can receive the care, our taxes increasing, and the penalties for exercising our first amendment rights are all things people neglect to think about when the advertising executives wrap everything into a pretty little package.
The Obama Care also known as Apple Care is based on financial capabilities. The more your income is the more you can afford for medical care and you are charged accordingly. The government has completely neglected our first amendment right, the right to our freedom of choice. If we chose not to obtain medical insurance starting January two-thousand fourteen, a fine will be applied to those who file taxes. According to PBS News Hour, the penalty this year is the greater of either $95 or up to 1 percent of the portion of the person’s modified adjusted gross income that exceeds $10,150. That amount is said to increase in 2016 to $2,085 or 2.5 percent of household income, whichever is greater. It matters not if you are in good health or a cancer patient you must acquire medical insurance. Instead the premiums for Obama/Apple care are based on gender rather than health. According to CNN money (refer to graph 1 below) shows that the difference in cost of premiums for a male vs. a female ages 21-29 is forty-seven percent. Yet according to npr.org women in fact need more medical care annually than men do.
According to npr.org women and men care is actually now the same as of April 2014, the care is equal even though women get more care than men do, even when it comes to having babies, and all the care that women need. So as you were able to see before while women and men receive the same quality care, women actually need more medical care than men. So why is it that men pay more for their premiums? Through research I was unable to answer this question, however there has to be an answer to this somewhere. Regardless just given the facts, men are clearly at a disadvantage when it comes to their premiums, until proven otherwise, for no other reason than because they are male. Doesn’t seem logical or moral does it!

many people give much thought as to how all of this affects the pharmaceutical companies. Most are simply satisfied filling and receiving prescriptions without a second thought as to the process behind it all. According to www.fhshealth.org Pharmaceutical companies pay an extra $84.8 billion in fees over the next ten years to pay for closing the "donut hole" in Medicare Part D. This could raise drug costs if they pass this onto consumers. Upon further research into this illusive “donut hole” about.com reports it as being a coverage gap, and one of the most controversial parts of the Medicare Part D prescription drug benefit. In a nut shell it states that you have to pay a deductable on your prescription costs before your benefits kick in, this can sometimes be several hundred dollars. Then once you have finished your direct out of pocket expense then you are responsible for co-pays while the insurance pays for the rest. However there is a limit to the generousness of your insurance companies, again the fine print that most people fail to recognize. In the instance of Medicaid, which is the adult state insurance, once you have reached $2840 (yearly) in prescriptions, you are then required to pay 50% of the name brand prescription medication cost until you have reached a total of $4,550. Only then does your insurance decide to be a little more generous and then cover your prescriptions the remainder of the year, during which time you are responsible for a co-pay.

Another thing that people don’t consider is the Doctors and Doctors staff, are affected by this as well, according to ObamaCarefacts101.com they say there could be a shortage of 52,000 primary care physicians by 2025, which could lead to millions of Americans without access to healthcare.
The study also noted that office visits to primary care physicians will likely increase from 462 million to 565 million by 2025, further straining the system. This will not only make it harder for patients to get into their Doctor, but a lot of medical staff will also be losing their way of living.
The problem with all of this is when someone is needing a Doctor or to get a hold of a nursing staff for questions or treatment, it’s going to make it hard, it’s also going to make it hard for women to do their yearly appointments, as well as women going in for their appointments for pregnancy, now you go in once a month for the first few months but if that happens then they could want to push it out longer to only once every couple months which could end up in long term problems.
Another fine piece of print that is possibly the most important is your loss of privacy, your medical privacy is totally lost when enroll. Your medical information becomes controlled by government agencies. Obama care isn’t HIPPA compliant, and according to the article on www.crn.com they don’t need to be compliant.
Because the Obama care website has no promise of privacy, they've revealed that any and all info collected through the site can and may be shared with absolutely everybody according to www.crn.com
The HIPPA laws are placed in order to make patients feel safe, and also not to be able to spread all their information freely, due to that being the right thing to do, people that have major health issues, or things such as AIDS, HIV, or even some condition that is embarrassing for the patient; may not want everybody and anybody knowing any details about the condition or any details about anything going on with them when it comes to anything health wise. Health care information is a very touchy subject depending on certain things that may or may not be in a person’s chart. It is very important for these laws to stay in place no matter what insurance you have, no matter if you have Obama care or some other insurance company that your work provides, it all needs to be treated the same and everything about you should be private and shouldn’t go anywhere other that between you and the Doctor unless you’ve given the rights to them to pass along the information. There are reasons why the HIPPA laws are in place and if offices just could threw around all of the information we give our Doctors or the office, a lot less people would be going to that office or that Doctor.