Gov: LPA Research



Across the nation, reaction to the 2010 health care legislation that made its way through the House seemed to echo the bitter division in Washington. While people referred to the legislation as “health care,” “health reform,” “health care insurance reform,” and “health insurance reform,” the actual title of the bill is something else entirely: the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010. Republicans see the new law as a government takeover produced by back room deals and rammed through Congress. Most Democrats hailed it as historic, and President Obama declared that the law will set in motion reforms that generations of Americans have fought for and marched for and hungered to see. Meanwhile, progressives who had long called for a Medicare for all system were disappointed by the legislation, which builds on the U.S.’s private, employer-based insurance system.

The American Health Care Act, backed by President Donald Trump and House Speaker Paul Ryan, would partially repeal and replace the Affordable Care Act, aka Obamacare, and could dramatically impact health insurance for tens of millions of Americans. The House GOP bill has some similarities to Obamacare. It requires insurers to take on customers regardless of any pre-existing condition. It provides subsidies to people, in the form of tax credits, to buy insurance on the individual market. And it tries to encourage people to stay insured. But the similarities end there. The bill spends less on fewer subsidies, reduces Medicaid spending by large amounts, and uses the savings to eliminate taxes on wealthier Americans and medical companies imposed by the Affordable Care Act.


Vocabulary
Preferred Provider Organization (PPO)
Health Maintenance Organization (HMO)
group insurance market
individual insurance market
Health Savings Account (HSA)
Health Reimbursement Account (HRA)
Medicare
Medicaid
Consolidated Omnibus Budget Reconciliation Act (COBRA)
Children Health Insurance Program (CHIP or SCHIP)
pre-existing condition
medical underwriting
rescission
medical bankruptcy
premium
deductible

Major Players
People
Health Insurance Companies
Government
Businesses
Healthcare Providers (doctors, nurses, etc.)
Hospitals
Pharmaceutical Companies

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