Problems on Health Insurance

American officials acknowledge the existence of serious technical problems on new online health insurance market, and stated the Government invite the leading experts from outside Government to improve the system.

Us President Barack Obama was disappointed over technical problems with a new online health insurance site. But, he said technical disturbances in the system it will be "addressed" and the ACT is a good deal for the American people.

In a speech in the Rose Garden at the White House Monday, Obama said he "was the most annoyed" that the site of HealthCare.Gov yet operate properly.

The site is the principal element of the Act – affordable health insurance 2010 who initiated, also known as Obamacare and is designed to make it easier for the American people obtain private health insurance.

The internet users during this time can not create accounts, then receive the error messages that are confusing and downloading all their pages are slow or failed to respond.

President Obama says his Administration has recruited some of the best technology experts from the private sector in America to make the site operate faster and better.

Obama says the ACT – affordable health insurance that's not "simply a site." He says he has been memperjuangkannya, though the Republicans are against it, to insure millions of Americans who are not insured can get health care, "qualified" and "affordable," similar to the others.

Senate Minority Leader Mitch McConnell of Republican Faction dismissed the statements of Obama in his Twitter account, saying Obamacare, "cost is too large and does not operate in the way that they promised."

With the signing of the "Affordable Health Care for America Act" by President Barack Obama on March 23, 20I0, marked the beginning of the reform of the health care system, particularly on the issue of health insurance in the u.s., which is expected to cost health insurance underwritten by u.s. citizens in the future.

Health Care Reform

In the Health ACT, the United States has acknowledged the fundamental principle that everyone should have basic protections in the health service. Based on the ACT in this year's health care sector in the us will experience a variety of changes, including:

Americans who don't have insurance and has had the disease sebeiumnya (pre-existing conditions) will obtain health insurance through the help of a Government-provided temporary subsidies;

insurance companies are prohibited from deciding coverage when health insurance Sipengguna affected by the disease;

insurance companies are prohibited from enacting restrictions maximum lifetime coverage value for users of a particular health insurance;

a child is allowed to sit in on her parents ' health insurance until she reached the age of 26 years;

any new mandatory coverage to cover preventive services (preventive cares and fitness treatments (wellness care); and

an insurance can be appealed to an independent body that deals with disputes faced by insurance companies;

In addition, the law also stipulated that as of January 1, 2011 arranged matters as follows.

The Government started to provide subsidies for companies keciJ to finance the health insurance of their employees;

Compulsory insurance companies use 80-85% of the premium received for health care services. Insurance companies that do not meet these thresholds will be obliged to refund the cost of the rnemberikan (rebates) to the policyholder; and

Insurance companies are obligated to explain the health insurance premium hikes. Insurance companies that raise an excessive premium may be subject to sanction is removed from the exchange of Government-run health insurance

Likewise the planned target by 2014 as follows.

State Governments establish health insurance exchanges, where potential buyers of health insurance policies that are not financed by corporate office/place of work, as well as small companies, can buy health insurance;

Insurance companies are barred from refusing to cover someone who already had previous diseases (pre-existing conditions);

everyone is required to have insurance;

subsidies granted to citizens who have small and medium income in order to be able to buy health insurance;

residents with income levels below 150% of the poverty line will only use a maximum of 2%-4.6% of its revenue to finance health insurance (Note: in the package amendment was being discussed in the Senate, this number will be changed to only 2%-4%);

population with income level maksirnum 350%-400% and the poverty line will only use 9.8% of its revenue to finance health insurance (Note: in the amendment package, this number will be changed to only 9.5%)

Pros:

1. Thecommunity'spoor andelderlycommunitiescan benefit fromhealthfinancingfacilitiesprovidedby the Government.
2. The societyhas thefreedom tochoose to useinsuranceto suit your needs.

Weakness:

1. The Government isless able toregulateinsuranceissuecausingmanycitizens oftheUnited Statesof usinginsuranceburdened byhigh costs.
2. Lack ofaccess tothe communityespecially formedium-sizedcirclesdownin obtaininghealth servicesprimarily for theinsurance program.
3. The communitytend topreferoverseashealth carebecause of the costof health careis very expensive, thusnegatively affectthe financialcondition ofthe United States.
4. TheSlumpthe number ofentrepreneursin Americabecausethey can't afford toto meethealth standards,companies andworkers

The Affordable Care Act (ACA) will expand access to coverage and take steps toward delivery system reform, but will raise costs and disrupt coverage for individual market customers, employers, and seniors. Tens of millions of Americans will gain access to health insurance, a goal that health plans have long supported. The ACA also includes a number of important consumer protections that many health plans implemented before they were required by law, such as the provision allowing young adults up to the age of 26 to stay on their parents’ policies.