Health Care in America

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Delivering Healthcare in America Name: Institution: Delivering Healthcare in America Health policy refers to the aggregate of principles, defined and undefined, that characterize the supply of services, resources as well as political factors that effect on the health of individuals. The Patient Protection and Affordable Care Act (PPACA) is often viewed as an ideal answer to the chronic market failure in supplying sufficient access to the health care for the American population. The PPACA just like any other healthcare reform bill has its advantages and disadvantages. One of the advantages of PPACA is that it curbs the rise of health care cost. All insurance organizations are required to spend at least 80 percent of their insurance dividends on health care and other improvements. Moreover, PPACA aims at restricting insurance companies from making significant rate increases. PPACA stipulates that no American should be denied coverage as a result of preexisting conditions and that all insurance plans should cater for ten essential benefits. Additionally, the PPACA aims at making prescription drugs more accessible particularly for the senior citizens. Although PPACA has various advantages, the policy also has some shortcomings. Firstly many individuals will be compelled to pay higher installments considering that insurance companies will be offering significant benefits while catering for individuals with preexisting conditions. Business organizations have also sought to reduce the working hours of their employees to avoid covering them. Notably, there’re different kinds of taxes that were developed to help in paying for the PPACA such as the taxes for

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