What Obamacare Means For You

obamacareAlmost everybody in the U.S. agrees healthcare reform is one of the vital issues in the country deep divisions have become apparent when discussing the attempt of President Obama to make a change to the healthcare industry. When you are looking at your health insurance rates on January 1st 2014 or shopping for new insurance coverage it is pretty much guaranteed your premiums will be significantly higher than in 2013. The Affordable Care Act or Obamacare as it is commonly known makes a number of demands on state governments, health insurance companies and consumers like you without making any cost control reforms to limit insurance premiums.

Firstly, the good news is that as the nations middle aged community grows the number of people with pre existing conditions will also grow. For those of you with a pre existing medical condition you will already know the problems of finding health insurance at an affordable rate; under Obamacare health insurance companies will not be able to turn down a person solely because of their gender, age or a pre existing condition.

Unfortunately for those of you without pre existing conditions the general consensus amongst experts is that a general rise in insurance premiums will take effect across the board; meaning higher premiums for everybody regardless of their good or poor health. Where you see your doctor may also be about to change as the Affordable Care Act comes into force with small private practices being pushed out of business. Large medical groups who pay their doctors a salary instead of a portion of patient payments will become incredibly common as insurance companies tighten their grip on payouts. Whether forcing you to find a healthcare insurance policy from 2014 onwards is the correct way of conducting healthcare reform is yet to be seen, but it could be the first step towards making healthcare free for all.

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