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Health Insurance

The Honorable Michael Richard Pence

The United States Congress

United States Capitol

Washington, D.C.,

Dear Vice President of the USA,

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I’m writing this letter since as a future nurse, I certify you my high respect and draw your attention to the laws relating to the Patient Protection and Affordable Care Act, which, in my opinion, are a priority for amendments and consideration in the US Congress. I support the priority of bills on medical reform and stress the Congress’ attention to the fact that the abovementioned legislative initiatives are of great importance for the practice of nurses. I investigated the work of the Congress as well as steps that were taken to enact laws in the field of health studied legislative obligations, and I want to support this initiative and propose some changes.

The accepted laws improve the health system in the interests of people in medical and healthcare. From the professional point of view of the future nurse, I support the commitment of state and political institutions to meet the needs of people in medical care and healthcare, which builds patients’ trust in the power and political forces. The provisions described in the laws have led to such positive results for Americans:

  • all citizens of the country and legal emigrants would have the opportunity to get the insurance coverage or other assistance in paying for medical services and medicines;
  • low and middle-income people would purchase private insurance, and the amendments introduce an exchange type of insurance for persons who have lost their job;
  • widening the range of people eligible for the Medicaid program;
  • creation of medical insurance exchanges as well as subsidizing people with limited income;
  • providing tax benefits for small businesses with a workforce of up to 25 people who offer health insurance to the workers;
  • punish the employers who refuse to buy health insurance for their employees;
  • ban the insurance companies to unilaterally terminate insurance contracts in view of the frequent illness of the insured as well as restrictions on the establishment of annual compensation limits;
  • providing young people of less than 26 years of age with insurance coverage of their parents;
  • introduction of annual fee from pharmaceutical and insurance companies depending on the size of participation in the market (King & Jost, 2013).

The regulations offer a gradual change in healthcare legislation in order to increase the number of persons who have insurance coverage. The adoption of the Patient Protection and Affordable Care Act in 2010 was the beginning of changes in the health system and coverage of all American citizens (Lathrop & Hodnicki, 2014). It promotes a preventive healthcare model that emphasizes primary healthcare, supports public health initiatives, and delivers quality care (Nash, Reifsnyder, Fabius, & Pracilio, 2011). The changes require high demand from advanced and trained healthcare professionals and nurses. Indeed, the success of reforms is critically dependent on the professionalism, honesty, and systematic work of the nurses that have reduced medical errors, management errors in healthcare, and improve patient health (Nickitas, Middaugh, & Aries, 2016). The Act ensures quality work and allows to deliver good work results as well as patient satisfaction.

Despite the positive nature of the initiated changes, they are only the first step towards a truly reformed healthcare system in America. In order to achieve visible results, changes need to continue regardless of the political situation. The healthcare reform has faced and will continue to face frightening resistance from mercenary groups. At the same time, there is a number of negative sides.

First, it is a great value. The high cost of providing medical care becomes a certain obstacle to the organization of health insurance and potential cause of conflict between health insurance providers as to the justification of accounts payable.

Secondly, there is no minimum of medical care for each person.

Thirdly, a significant number of people in the country does not have health insurance. Despite the high democratic traditions existing in the United States, this leads to restrictions on the exercise of the right to medical care.

Fourth, there is a tendency to monopolize the insurers’ market, which potentially reduces the freedom of choice for both patients and for medical institutions and nurses.

Fifthly, there are significant administrative costs for the maintenance of the medical insurance organizations. It is more expensive than health insurance, although the cost of medical care is often not determinative. Consequently, the ability to implement reforms that will make the system of healthcare-oriented people, achievements, and results are important.

The controversial part of all these laws lies in the fact that these bills are expensive. It implies a reduction in the annual cost of medical reimbursement, gradual reduction of cash paid for hospital reimbursement, reduction in nursing fees, decrease in the additional funds paid to hospitals seen by most uninsured patients, as well as lack of hospices and qualified nursing services (Association of American Medical Colleges, 2018). Despite the fact that adopted acts reduce the financial rates for hospitals and insurers, they do not change the set of benefits available to the patients. The hospitals have to bear the costs of most of these reductions, but at the same time, they are likely to see an increase in the number of paid patients with an expansion of insurance, as the availability of health insurance increase, which hospitals have to apply to fewer patients, which help lower overall costs.

After reviewing the legal acts on the US health insurance system, future reform of the American healthcare sphere should take place to eliminate and remedy the Patient Protection and Affordable Care Act problems without adversely affecting aspects of the law that are suitable for many people. The US Congress should consider changes to the law and additional healthcare reforms, support, and improvements of coverage as well as access to high-quality care.

Thank you in advance for the attention to my appeal and look forward to further positive initiatives in the health system.


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