The Patient Protection and Affordable Care Act of 2010 Assignment

The Patient Protection and Affordable deal out Act of 2010 - Assignment Examplethat led to escalating cost of health insurance, insufficient dialect on disease prevention and lack of accessibility of medical proceedss many Americans remained without any health insurance cover.The Medicare and Medicaid introduced in 1965 deplete been particular on those fitting for the medical cover and had no regard for quality or cost control (Shaw et al., 2014). The medical underwriting practices such as the use of experience estimate to determine the premiums based on customers health and the exclusion wavers that disqualify certain common health conditions from insurance coverage put limits on accessibility of health insurance by the small business and individuals (Furchtgott-Roth & Banerjee, 2011). Furthermore, the preexisting condition clause empowered insurers to fails covering persons with certain medical conditions. Also, the huge service charge of administering insurance cover to indi vidual resulted in higher premium charges than a single policy cover for a large business (Furchtgott-Roth & Banerjee, 2011). Therefore, the adit of P.P.A.C.A. focused on reducing cost, extending insurance coverage to the uninsured Americans and controlling the growth of cost (Shaw et al., 2014). The main goal of the Patient Protection and Affordable Care Act (PPACA) of 2010 is to increase the accessibility of health insurance for individuals and small businesses by making it more affordable (Furchtgott-Roth & Banerjee, 2011).The affordable care act has various features that have led to increasing in expansion of insurance coverage to the citizens, limit cost growth and quality improvement of the health services. The Act has eliminated the barriers prohibiting persons with preexisting health conditions from paying higher insurance premiums or denial of access to health insurance cover and lifetime limits on coverage (U.S. Department of Health & homophile Services, 2013). The Act a lso limits the factors insurers can consider to determine premiums into four namely