The Patient Protection and Affordable Care Act of 2010 Assignment

The Patient Protection and Affordable Care present of 2010 - Assignment Examplethat lead to escalating cost of wellness insurance, insufficient stress on disease prevention and lack of availability of aesculapian services many Americans remained without any health insurance cover.The Medicare and Medicaid introduced in 1965 have been particular on those qualified 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 rate to determine the premiums based on customers health and the exclusion wavers that disqualify certain common health conditions from insurance coverage put limits on entryibility of health insurance by the footling business and individuals (Furchtgott-Roth & Banerjee, 2011). Furthermore, the preexisting condition clause empowered insurers to fails cover song persons with certain medical conditions. Also, the huge service charge of administering insurance cover t o individual resulted in higher(prenominal) premium charges than a single policy cover for a large business (Furchtgott-Roth & Banerjee, 2011). Therefore, the introduction of P.P.A.C.A. pore on reducing cost, extending insurance coverage to the uninsured Americans and controlling the growth of cost (Shaw et al., 2014). The main cultivation 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 direct to increasing in expansion of insurance coverage to the citizens, limit cost growth and quality advancement 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 & H uman Services, 2013). The Act also limits the factors insurers can consider to determine premiums into four namely