Fmla Annotated Bibliography

In 2010, the United States created The Affordable Care Act (ACA). The objective was to share the responsibility of costs between the government, individuals, and employers to provide affordable access to quality health insurance. “However, health coverage remains fragmented, with numerous private and public sources, as well as wide gaps in insured rates across the U.S. population.” (“United States: International Health Care System Profiles,” n.d.). Each individual state within the US, generally has control over private insurance.

The Patient Protection and Affordable Care Act (PPACA) or Affordable Care Act (ACA) is a health care reform law that was voted into enactment in March of 2010 (Summary of the Affordable Care Act, 2013). The ACA consists of many different parts of which come from the Affordable Health Care for America Act, the Patient Protection Act various parts of the Health Care and Education Reconciliation Act and the Student Aid and Fiscal Responsibility Act (Affordable Care Act Summary, n.d.). The original goal of the ACA was to cut back on the amount of dollars that was being spent on health care

The Affordable Care Act is considered to be a landmark legislation that sought to bring changes to overhaul the health care system within the United States. While the ACA has brought necessary improvements and changes to how health care is handled, it has also directly affected many stakeholders within the health care industry. The major stakeholders of health care are considered to affect each and every aspect of the massive industry, and can be influential. This paper will be specifically addressing the effects of the ACA on the employer stakeholder group. It will talk about the new responsibilities and taxes employers must face, how the ACA is currently affecting employers at the moment and into the future, how the employees and their dependents will be affected by these changes, and finally what strategies employers can take to mitigate

A series of events has recently occurred to cause the passage of PPACA. Economics are explicitly linked to health care. In the United States, health care coverage is provided primarily through an employer-based system. This system began in the depression era when pay was federally frozen. Companies, in an attempt to lure scarce workers, used benefits packages including health care as bait. Described as a “uniquely American” “private social security” health care system, the employer-sponsored system is the “cornerstone” of United States health care system (Blumenthal, 2006). This system has left many un- or under-insured. Blumenthal states (2006), “The United States’ dependence on employer-sponsored insurance means that the protection of its citizens against the costs of illness depends directly on the ability of private businesses to manage and absorb health care expenses that have defied all efforts to contain them.” Recently, economic downturn and the need to reduce expenses to better compete on the global market has caused many companies to both reduce their insurance benefits package and their work force causing many to lose their health care coverage. The employer-based system merged with the economic downturn, unaffordable health care costs for businesses, and

President Barack Obama signed the Affordable Care Act, into law on March 23rd 2010. Congress had tried for decades to pass health care reform, beginning with President Franklin Roosevelt. “Following President Obama’s inauguration, he used Democrat control of both the House of Representatives and the Senate to enact health care reform legislation, and granted the federal government control of over 16% of our nations economy” (Taylor 3). The law states that every American citizen is mandated to purchase health insurance. “If you choose not to obtain Health Insurance by January 2014, you will be penalized $95, or 1% of your income-whichever is greater” (Taylor 5). “The penalty rate for non-compliance will

While the Affordable Care Act was implemented in 2010, the most significant changes in the healthcare system began in 2013 with the expansion of Medicaid. According to the ACA’s official website, the law’s main goals are to create cost efficient health insurance and medical services, as well as expand Medicaid so that the stated programs will be available to more Americans. (“Affordable Care Act (ACA)”). To do so, the ACA imposed many requirements on both sides of the health care system. The ACA has expanded federal regulations on private insurance providers by requiring that these companies cannot deny coverage based on the health of the beneficiary. The ACA has also established a marketplace for health insurance to be purchased by small businesses and individuals. Finally, the most noteworthy reform is the requirement for all Americans to purchase minimum coverage, or pay a penalty. However, those who cannot afford coverage and have “an income below 138% of the Federal Poverty Level eligible for Medicaid” will be paid for by the government (“The Affordable Care Act in the US”).

As of September 23, 2012 or soon after, health insurance issuers and group health plans are required to provide you with an easy to understand summary about a health plan’s benefits and coverage. The new regulation is designed to help you better understand and evaluate

The Affordable Care Act (ACA), also known as ObamaCare, is a healthcare reform law that focus on providing more Americans with access to affordable health insurance. “The ACA is expected to add 32 million people seeking primary and preventive service and treatment” (journalofnursingregulation.com). It was first enacted by President Barack Obama on March 23, 2010. The act has offered a number of people with benefits, set up a place they can purchase health insurance, expanded the use of Medicaid and Medicare to the disabled and senior citizens. The Act has forced many employers to offer coverage to their employees. Despite all of the positive attributes this act has provided, there is a flip side to it. Americans are required to have health

The second feature is that it also provides consumer information on health plans from the department’s Employee Benefits Security Administration (EBSA). The Employee Benefits Security Administration is the agency that enforces the rules of the Title of the Employee Retirement Income

The Affordable Care Act, also called the ACA or Obamacare, is a health care reform law in America. The Affordable Care Act is a long, complex piece of legislation that attempts to reform the healthcare system by providing more Americans with affordable quality health insurance and by curbing the growth in healthcare spending. The law includes new benefits, rights, and protections, rules for Insurance Companies, taxes, tax breaks, funding, spending, and the creation of committees, education, new job creation, and more. The ACA includes 10 titles that address reform the U.S. healthcare system. Some of the provisions include eliminating lifetime and unreasonable annual limits on benefits. It mandates that EHB (or essential health benefits) must be included on all new plans. These benefits include ambulatory services, emergency care, hospitalization, maternity and newborn care, prescription drugs, mental health and substance abuse services, rehabilitative services and devices, labs, chronic disease management and oral and vision care for children. The new law prevents individuals from being dropped from their coverage for any reason other than fraud. The ACA requires coverage of preventative services and immunizations and of dependents up to the age of 26 years old. The law also provides assistance for individuals with preexisting conditions. The ACA also caps insurances companies’ non-medical and

To remain entitled to family and medical leave, the employee or the employee’s spouse, son, daughter, or parent must comply with the organization’s request to submit to a medical examination to obtain a second medical certification from a health care provider other that the individual’s own health provider. The organization can also require subsequent medical recertification from the health provider if there is reason to suspect the original medical certification has changed.

 An employee must be provided the same level of medical benefits, disability insurance and leave as are offered for other medical conditions or disabilities.

     Over the years, FMLA has evolved into a one of the most discussed and complex laws in the United States. Since 1993, over 35 million eligible workers have

A crucial component of the ACA is the individual and employer mandates. The individual mandate entails that those

The implementation of ACA requires the government to force insurance providers to give everyone health insurance regardless of what the insurance providers may want. This is very problematic in the context of the nation of USA since here corporations are treated as people and therefore, should have the same rights of personal liberty as people theoretically. Before the implementation of the ACA, the insurance agencies could turn away people that the insurance agencies deemed to be unreliable clients. Proponents of ACA argues from a deontological perspective that it is inhumane to allow corporations to turn away people who are dire need of medical help. Others consider this action by the government to be a slippery slope that can lead the way