Health Care Reform: Upheld by the Supreme Court

On Thursday, June 28, the Supreme Court upheld President Obama's Patient Protection and Affordable Care Act (ACA). The law seeks to make health insurance more affordable for all and provide increased consumer protections (e.g. prevent discrimination by health insurance companies against individuals with pre-existing health conditions). But what are some of the actual act's directives?


Since 2010, the law has already:

• ended discrimination against children with pre-existing conditions.
• extended coverage to younger adults (up to age 26) by allowing them to stay on their parents health insurance plan
• prohibited health insurance companies from dropping people's coverage when they get sick.
• increased federal matching funds for Medicaid.
• set forth initiatives to strengthen the primary care workforce.
• sought to bring down the price of health care premiums by requiring that at least 85% of all premium dollars collected by insurance companies be spent on health care services and health care quality improvement (rather than for profit).
• encouraged the use of integrated health systems (i.e. Accountable Care Organizations).
• required federal agencies to record a wider range of demographic data in an effort to understand health disparities.

In 2013, the law will:

• provide new funding to state Medicaid programs that choose to cover preventive services for patients at little or no cost.
• establish a national pilot program to encourage hospitals, doctors, and other providers to work together to improve the coordination and quality of patient care.
• increase Medicaid payments for primary care doctors.
• provide additional funding for the Children's Health Insurance Program (CHIP).

In 2014, the law will:

•  require individuals to purchase health insurance (this is the "individual mandate" that was the subject of debate). If affordable coverage is not available to an individual, they will be eligible for an exemption.
• prohibit insurance companies from refusing to sell coverage or renew policies because of an individual's pre-existing conditions.
• prohibit plans from imposing annual dollar limits on the amount of coverage an individual may receive.
• provide tax credits to make it easier for the middle class to afford insurance.
• ask States to open health insurance exchanges to enable all Americans to easily shop for more affordable private insurance.
• increase access to medicaid for Americans who earn less than 133 percent of poverty limit.

Finally, in 2015 the law will:

• compensate physicians for the quality of care they provide to their patients rather than the volume of services they provide.

While many of these provisions will not be well-received by everyone, and some of these provisions admittedly do not do enough to reform the health care system, this is a step in the right direction.