Health Care Reform

The drop in the world’s economy has been depending more on the quality of health care that is delivered in the whole world.  More o the United States, the health care becomes the largest industry in the growth and the development of the Gross domestic products which is increasing annually. However, the health care industry is more complicated and inefficient and thus having the need to have many kinds of reforms (World Health Organization, 2008). These reforms will help it in having a huge role in the improvement of the benefits that are enjoyed by the Americans and the government.  This means that the health care reform in the United States is an affordable care approach that was made by the Obama’s law.  It gives the policy to influence the positive changes in the standards of the country’s health care activities.  Since the reforms were set, the partners of the approach are doing their best in getting the reformational goals (World Health Organization, 2008). 

1. The health Insurance exchanges are one of the reforms.  This approach is one of the largest features of the health care reform.  The health insurance exchanges are mainly the online marketplaces where individuals log in to websites, type their data and get the insurance cover service. The State will drop unless it brings the solution that the national government should run their insurance exchange. Most of the Americans have opted to be run by the national government.  This means that if one is employed, and the employer does not give them the health insurance, then they can get them through the coverage exchanges.  This is important as there will be a health marketplace that will be suitable for everyone (Twaddle, 2002). 
2. The Reform of the Medical Loss proportion and the discount Checks. The Health care system needs the insurance companies to spend much of their premiums in the medical costs. The proportion of the health failure is the executive analysis of how much the finest income is used in the medicinal outlay. These proportions are analyzed for the position of the States and the legal unit breakouts. This means that the more the insurer spends on the medical in Arkansas has no effect on the MLR ratio on the Indians and vice versa.  This makes it more complex but gets the ration of MLR at a higher level (Twaddle, 2002). 

            Due to the way the law is set, whether the fitness coverage spend $0 or $ 100k on the checkup expenses on a person, it is basically inappropriate. Thus it is purposed on how much was used on the medical on the whole State which has set relative the premium revenue of the whole State.  This reform shows that companies have also improved in their pricing based on the MLR.  This is quite okay to say unless the medical approach changes drastically, making the amount of the medical payments dropping in every year (Twaddle, 2002). 

3. The reform of covering the long term disease. This is a main constituent of the fitness care improvement in that no one is denied the treatment due to much long term status.  This is important to those who figure out how to get their pre-existing conditions that are treated without one going bankrupt.  The way to make the health insurance affordable is by bringing each person whether health or not into the health care systems through exchanges.  This means that if one does not have the pre-existing condition, the condition of your health will be covered by the health insurance.  This will also improve the health cost care which is needed to be in part in bringing each person into the health insurance (Gruber & Newquist, 2011). 
4. The Reform of the Rate bands. As it is better explained, there are the reasons why health Insurance will increase for the young adults in America and how the rate bands are important part of the health care reform.  Mainly they are proposed to limit the rate of difference or the amount of the premiums costs that vary from one person to the other.  There are several factors that are used in rating the premiums.  They include the age, family engagement, the location or the use of tobacco.  This means that the rate bands raises the costs of insurance for the individuals which are healthier and leads to the reduction of the costs of the insurance to those whose insures their cost the most.  If a person is in the age of 20’s to 30’s, their rates will increase due to the approach of the health care reform (Gruber & Newquist, 2011). 
5. The reform of the dependents remaining under their parent’s insurance up to the age of 26. This is the five and also a major feature of the health care reform. It is a rule that tries to help in making the transition easier to the young adults who face a lot of challenges when going from the high school to work o from work to school.  This shows that there is a weak economic status that is affected by having the regulation.  This means that if a person is 26 years or younger, they will be able to remain in their parent’s health plan when their employers will only cover them under some conditions making the coverage on the parents uncommon (Gruber & Newquist, 2011) ­­­­­­. 

            If the parent will be worried on whether their children can join college and be covered by the health insurance by an employer, this can make it easier knowing that they will have to remain under the parent’s insurance.  As the insurance exchanges were established, the safety net reform rule loses some of its effects as each person who is not covered by insurance will not be able to get their State’s exchanges or the insurance cover. It may also seem cheaper though not free if one has to think of the families with three children covered by their own insurance will have to pay the same price whether they are in or not in it (Gruber & Newquist, 2011). 

This makes the health care reform seem more complicated.  Some of these reforms do not affect people and will never while others will have a major influence on the lives of people.  These reforms take the States into the changes of the health care system as the way of expanding the reform coverage is just a beginning to the reforms.  One the United States move close to their national dream of seeing all their citizens have a good health care system, they will be having many ideas for getting its medical system into something that will make them more essential and effective. Though we are not sure whether these reforms will turn the health care around, it may take some time to fully implement these reforms as they need to be responsibly implemented (World Health Organization, 2008). 

 

 

 

 

 

 

 

 

References

Gruber, J., & Newquist, H. P. (2011). Health care reform: What it is, why it's necessary, how it works. New York: Hill and Wang.

Twaddle, A. C. (2002). Health care reform around the world. Westport, Conn: Auburn House.

World Health Organization. (2008). the world health report 2008: Primary health care: now more than ever. Geneva, Switzerland: World Health Organization.