Opportunity for all


I scored a 9 out of 10  which seems to say I know a fair amount about the act. During the hype about the act and the shutdown i took some time to read a few articles about the act and clear up some of the myths that were associated with the act. One thing I didn’t know about the bill was that small business and individuals could receive subsidies on insurance plans.

ObamaCare creates new entities in every state through which individuals buying insurance on their own must purchase their government-approved insurance. The Exchange Subsidy is influenced by a family’s income. Households with incomes below 400 percent and above 133 Continue reading

Putting Small Business in a Pickle


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Is it time to deal with this piece yet?

After navigating through the quiz, answering questions based on what I guessed the government would do, I got a 7 out of 10, despite not being able to explain any of the answers in depth.  While the overall benefits of the plan shocked my preconceived notions of the act, the implementation of an insurance marketplace and plethora of benefits throughout the program changed my opinion and attracted me to the large changes in the healthcare system.  However, one area of the PPACA regarding small business and employee coverage strikes me as flawed, with a slight inconsistency to the detriment of a select group of employers.

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26 Year Old Children


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I scored a 5 out of 10 on the quiz. I found that the five I answered correctly were provisions I have heard about over and over and some of the others are ones I have never heard any discussion about. In choosing a topic to focus on, I thought about how Obamacare relates to me. There is a new policy that allows “children” to say on their parents’ healthcare plan until they are 26. Previous to this, insurers could drop children from their parents’ plan regardless of student or job status. The Department of Labor answers some basic questions about this nicely. Continue reading

Are children being helped or hurt by the extension of CHIP?


I was excited to hear that we’d be learning about the PPACA for this blog because it’s a topic I didn’t know much about. I think it’s important to be informed about current events, especially politically related since certain laws could have major effects on people. While taking the quiz, I felt like I wouldn’t get more than a few right, but I ended up getting a 5/10. Although I knew more than I thought, I still didn’t feel educated enough. The first question in the quiz brought up what is probably the most controversial aspect of Obamacare. I was surprised to learn that people will have to pay a fine if they don’t have health insurance starting in 2014. There are some exceptions such as religious objections, but for the most part, Americans are going to be required to have health insurance.

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One of the aspects of the PPACA that I wanted to learn more about was the Children’s Health Insurance Program (CHIP). Chip was signed into law in 1997 and provides health coverage to about 8 million children in families with incomes too high to qualify for Medicaid, but not high enough to afford private health care coverage.

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Employer Requirements


This is another good topic for this week’s blog. I enjoy how these subject matters are very pertinent to today’s political and economic debates. The quiz was a great way to start discussions. I got a 8/10 on the quiz. I knew a fair amount on the rules behind the PPACA, but I did not expect to get an 80%. I would admit that this quiz was not the best indicator of my knowledge since I guessed on a couple of questions. One question I got wrong was “Will the health reform law require employers with 50 or more employees to pay a fine if they don’t offer health insurance?” The answer is yes. I was unaware of this provision. I did not know the PPACA required employers, who employed over a certain threshold of full time employees,  to pay a fine. Instead I was under the impression employers would only face a fine if they did not offer health insurance to employees who worked over thirty hours a week.

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The provision, 4980H, applies to “applicable large employers” or companies that employ more than 50 full time employees.  If small companies do not meet the “applicable large employer” criteria, the penalties do not apply to them. Furthermore the small employers may be eligible for a health insurance tax credit if they employ fewer than 25 employees and the average income is up to $50,000. The provision requires large employers to offer its full time employees and dependents to enroll in minimum essential coverage under the employer-sponsored plan, or pay a $2,000 penalty annually multiplied by the number of full time employees, excluding the first 30 workers. However if the employer offers coverage but the insurance does not pay for at least 60% of covered health care expenses for a typical population or if at least one of the employee(s) has to pay 9.5% Continue reading

Blog Post 7 (Affordable Care Act)


In March 2010, over three years ago today, Obama and his administration passed the Patient Protection and Affordable Care Act (PPACA), also known as “Obamacare.” Even the name has been a political football with Obama at first not wanting it labeled with his name as Republicans were doing,  and then embracing it.  This has been a topic that has swirled in our newsfeeds and is frequently a topic of conversation. Yet, much of the general public does not know the details or even the major facts of the act.   In fact, the Democratic party has been proposing some form of national health insurance since at least President Truman.

However, it seems the government, politicians, and the media have not done a great job explaining this law.

TAKE THIS QUIZ... post your answer below.  Th BC would be surprised in you get 2-3 right.

For this week, we invite you to learn more about the act, which, in reality, has many, many parts.   Write about one specific provision or aspect of the PPACA law.  Use  good resources about the PPACA explore one aspect of the act that you had not previously known about.  Your goal is to explain what it does in specific terms.

This post links into doing paper 2 and the final paper in terms of information literacy.  To explain your provision, you may find government sites, news coverage, research centers, or think tanks are useful.

We invite you to learn about it it “before’ you put on your own political lenses.  Does the provision or aspect you describe seem like a good idea?

After you have done so, please think back to last week and analyze the provision FROM your apparent political ideology.

PLEASE, try NOT to repeat topics!

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