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The REAL PROS of Obamacare

It’s almost impossible to turn on the news these days without hearing about Obamacare or its official title, the Affordable Care Act. Between those declaring it to be the worst thing since Hitler and those singing its praises, it can be very difficult to understand exactly what Obamacare is and what its benefits are. What are the benefits of Obamacare and how is it different from what’s already available? What will happen if Obamacare is repealed? Those are very important questions and below are some of the answers you need to understand the real benefits of Obamacare and what will happen if it is successfully repealed.

One of the most important benefits of Obamacare, one that has the potential to affect everyone at some point in life, is the guaranteed health insurance for those who have a pre-existing condition. Laws prior to Obamacare prohibited insurance companies from denying health insurance for a pre-existing condition if a new policy was obtained within 90 days of a previous policy. Unfortunately, with millions of people losing their jobs and being out of work for months, people who have had insurance in the past suddenly found themselves being denied insurance because of pre-existing conditions. Obamacare puts an end to that, guaranteeing that everyone will have an equal opportunity to obtain health insurance regardless of past medical history.

Another valuable benefit of Obamacare that has provided insurance to millions of people is the provision that allows children to remain on their parent’s insurance up to the age of twenty-six. For parents of college-aged children, this provides peace of mind, knowing their kids can go off to college without worrying about personally taking care of their health care costs.

Obamacare currently :

  • Regulates annual maximums, and by 2014 will eliminate lifetime maximums, for essential benefits, such as hospital stays, guaranteeing that you won’t spend years paying health insurance premiums only to run out of coverage and get stuck with enormous medical bills if you have an accident or if you develop cancer or some other devastating medical condition.
  • Obamacare also prevents insurance companies from using technicalities to drop coverage for people who develop expensive medical conditions, essentially leaving them stuck with medical care costs they believed would be covered.
In addition to these important benefits, Obamacare currently offers many more.
  • It requires insurance companies to provide preventative services, such as mammograms and colonoscopies, without charging co-pays or deductibles.
  • It provides prescription drug discounts for seniors who reach the coverage gap in Medicare Part D.
  • It provides free preventative care, such as wellness visits, for seniors.
  • It regulates insurance companies and prevents them from implementing large, unjustified rate hikes.
  • It encourages control of administrative costs by requiring insurance companies to use 80- to 85-percent of premiums for health care costs or provide rebates to consumers for the excess premiums.
  • It expands Medicaid for low-income individuals and families
  • It provides tax credits to small businesses to encourage them to provide or continue providing health insurance to employees.

Obamacare has already made many improvements in the quality and availability of health insurance and these improvements have benefited millions of Americans. Over the next few years, there are many more benefits that will go into effect. These provisions will work to bring down health care costs, improve coverage, and ensure that patients get the quality care they deserve without taking away their choices.

If Obamacare is repealed, millions of people would immediately lose their insurance coverage as college kids were dropped from their parents’ health insurance plans and insurance companies dropped coverage for people with high-cost medical conditions and pre-existing medical conditions. The loss of cost controls would also allow premium rates and other health care costs to rise and seniors would lose the preventative care and drug discounts they desperately need and cannot afford on their own.

Many people who are convinced that Obamacare should be repealed, believe so because they think that Obamacare represents a government takeover of health care and that it will result in a loss of choices and a reduction in the quality of their health care. In fact, the real truth is the exact opposite. Obamacare does not eliminate choices. Instead, it forces health insurance companies to provide the health care they have been paid to provide and it provides choices to people with pre-existing conditions who, until now, had no choices at all.

No one should ever have to worry that an accident or illness will strip away everything they’ve worked for. With Obamacare, they don’t have to. Obamacare takes the choices and control away from insurance companies and places it back where it belongs, in the hands of patients and their doctors.

photo credit: Barack Obama via photopin cc


  1. Laila Owies October 16, 2012

    I hope Obama can explain it clearly and in simple terms that the average American understand it. Also, explain why Romney’s will benefit all Americans. I am soooo disappointed of Obama in the first debate, as much I am really mad and angry of Ohaio people that turn their back to the one who saved them, and stand beside the one who said let them bankruptsy..Just because they did not like his performance while Romny did not give any about his plan of how he will excute it

  2. give him a chance November 6, 2012

    This obama care program sounds good to a point, but since nothing is absolutely free who is going to pay for it? I am pretty sure that we are going to have to, because that is how it always works. I strongly hope that we will give Romney a chance at being president, since Obama has not done much, but make us pay even more for what we need to survive.

  3. vango February 20, 2013

    I wish there were more articles published and placed online that show the TRUE advantages of Obamacare. There are just too many false articles (out right lies) being passed around the internet that ultimately frighten the general public. This is like the “Clinton Chronicles” published in the mid 90’s purporting that the Clintons were murderers, drug dealers, etc.. NONE of it was true! However, many people believed it! I am sure that after the first few years of Obamacare most of the lies will be debunked as people will see that this new program will actually be a blessing to most people,their families and businesses…

  4. Jackson Donnelly February 20, 2013

    There probably aren’t any articles because Obamacare is filled full of insidious hidden agenda based crap…from both republicans and democrats…and NOW they are realizing how worthless this whole thing is. Liberals are finally seeing how bad it is..Unions as well….

  5. vango February 20, 2013

    They said the same negative things about Medicare and Medicaid when they were first proposed and then passed. It took a number of years to work out the bugs and eliminate most of the fraud before the program began to work well… now people are applauding these programs without which there would be millions of elderly people scraping a way to survive financially… So, give this new program a chance to ‘live and breath’ before you make a final judgement on its viability and effectiveness.. Let time debunk the lies and distortions that have been spread by those who despise anything and everything Obama has tried to put forth… that being the Republican Party lead by its stonehead Tea Party leaders.

  6. Kimberly August 25, 2013

    I must say that if you think Medicare/Medicaid is beneficial to our elderly, think again. Fr those who are in need of nursing home care and have a few bucks saved from there lives, Medicare intends to take ALL of it. As of right now my mother in law is in a nursing home with no Medicare help as a result of $20,000 in her checkbook. She will not be allowed this help until she is down to $2,000 maximum at any time, at which time she is then eligible for Medicaid. Oh, and by the way, when she does pass, the government has passed a new law called a recovery act that will then seek reimbursement for the monies that they paid. This includes her home that has been paid for. My warning to others, is be sure to get info from an experienced lawyer to protect these elderly people’s life savings.

  7. kat October 12, 2013

    And Medicare and Medicaid are bankrupt and full of fraud. You call that a success? And now all are defendant on it as well. Plus it takes away personal responsiblity. Maybe we can discuss this further over a nice cup of Cammomile Tea

  8. ed morris October 24, 2013

    it’s about time this country showed real concern about high healthcare costs to the institutions that provide medc=ical care. this nation should have had full coverage for all of its people long ago. How can russia be beter than us at taking care of their people by providing them all with free healthcare for the last 60years and we haven’t.that’s just embarressing.

  9. Heather Burns October 26, 2013

    I just love opinionated people … NOT. Please, at the very least, take a cursory look at the healthcare industry in Russia before you blather on about how great it is compared to the US and it’s uncaring people. It’s not free, it’s not good, and it’s history is absolutely terrible.

  10. Ms.Smith December 2, 2013

    Elderly people are now because of Obama care suffering financially…The older you are the more your taxes increase. No one should have to pay more and more because there alive

  11. Susan March 11, 2014

    I’ve read three, bipartisan books explaining the health care law.
    I have one question for the Obamacare cheerleaders. If the law is so great, why has President Obama made 28 changes to the law per executive order (which is illegal although no one will take action). Why has Obama extended the employer mandate three times? One word – elections. The first extension was made just long enough to get past the mid-term elections. After realizing notices would have to be sent out BEFORE the election in order for people to get them in time, Obama extended the employer mandate a second time.

    Out of the blue last week, President Obama extended the employer mandate for TWO years? Why two years? Why not the obvious – one year. After all, when the GOP proposed a one year extension, they were told they would be depriving people of this great law. Now on his own without legislation, Obama jumped to two years – 2016. What happens then? Presidential election.

    The truth is, no one is mentioning the cuts that haven’t been implemented yet.
    I’ve stopped hearing how the insurance on healthcare.gov is extremely expensive with unreachable deductibles.
    Most of the left laughed when Sarah Palin mentioned death panels. In 2009, President Obama’s appointed Donald Berwick to be in charge of Medicare and Medicaid. In a speech, Berwick said, ““The decision is not whether or not we will ration care — the decision is whether we will ration with our eyes open.”
    Rationing is a reality. You have nothing to worry about as long as you are young, but once you hit 40, government panels most definitely will decide whether or not you’re worthy of a treatment. As one ages, the options decline.

    There is so much the media doesn’t mention. Obama has been lying about the law from the very beginning. He was caught two whoppers when he said, “If you like your doctor you can keep your doctor” and “If you like your plan, you can keep your plan”. Leftists are defending him saying he didn’t know. He knew.
    There were a lot of whoppers told about ACA and they are still being told.

    Eventually, there won’t be choices because all the insurance companies will be gone. The true goal is to phase out insurance companies and have single payer insurance. That’s government health care. Just think how many jobs will be lost when all those insurance companies go out of business.

    Articles like these sugarcoat the law. I could list a bunch of cons regarding Obamacare. I have two that are obvious. Government will be in charge of your health. If you don’t like the plan, you won’t have options.
    There WILL be panels provided by the Internal Revenue Service (IRS). Those panels will make decisions regarding what care each individual can receive.
    Age WILL be considered. Rationing is unavoidable in Socialized health care.
    The IRS will at some point decide whether you or a loved one can live or die.
    This is the same IRS that has been caught targeting groups for political purpose…and that is a FACT. (Why would a supervisor, caught with emails referring to the targeting of political groups, plead the 5th? She refused to answer out of fear she would incriminate herself). Why plead the 5th is she is innocent?

    Seriously, are you comfortable with the IRS making decisions about your health?
    I’m not.

  12. Anonymous March 21, 2014

    Thank you Susan, that was very well said!

  13. cris March 27, 2014

    To all the stupid who just realize now about this Obama care. Now someone tell me if this is simple how come I’m unemployed still have to pay this healthcare. I search if there is any cheap premium the answer is not!!! So if your Obama could explained this how simple. When we also the young ones have to pay for the older once. I feel sorry for the senior….

  14. Anonymous March 30, 2014

    You’re a republican and an idiot

  15. Anonymous April 4, 2014

    You don’t have to be Republican or Democratic to realize the truth in her words. Well said Susan.

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