The Changing Face of Health Care

It was the joke heard round the world.  Brad Paisley and Carrie Underwood making fun of Obamacare at the 2013 Country Music Awardsin November.  The new website had rolled out and only six people had applied.  It seems, however, the tide is turning.  Presently, there are over 100,000 people who have applied online for Obamacare and that number seems to be growing.

What is Obamacare?

First and foremost, Obamacare is actually called the Patient Protection and Affordable Care Act.  It mandates that everyone needs to get some form of health insurance or pay a fine.  The plan is helpful for the middle class because it taxes high-income families and some health care providers.  The goal of Obamacare is to provide health care for all people regardless of their income.  It also wants to lower premiums from insurance companies and stop putting money in their pockets.  Smaller business owners will also benefit because they won’t have to pay large premiums. Your best bet is to start by contacting an online agent like to get a baseline for comparision as they can give you a quote from every health insurance agency in the industry.

Obamacare also gets rid of the dreaded “pre-existing” condition.  This is the excuse that insurance companies use to not pay the bills.  If you can not show proof that you were covered eighteen months prior to switching to your new insurance company, then your insurance company will not cover what they deem “pre-existing.”  Anything can fall under this category.

The good news for parents and children is that children can be covered until they are 26.  This works out really well for college kids.  They will be covered while they are in college and after they graduate.  Supporters of Obamacare say that this way, the younger customers (i.e healthier) don’t have to pay outrageous premiums which just adds to insurance companies’ profits.  On the flip side, seniors on Medicare will have cheaper costs for prescriptions, emergency room visits and hospital care.

What if you already have insurance?

Don’t worry if you already have insurance.  Under Obamacare, you are allowed to keep your insurance, but what if you lose your job or you can’t afford your premiums?  This is when you sign up for Obamacare because under this plan, everyone can find affordable insurance.  This also applies for those already on Medicare and Medicaid.  You don’t have to worry about your insurance.  Other people who don’t have to worry about their insurance plans are people who have insurance through a retiree program or a veteran plan.  If you don’t have insurance, you have to get it by March 31, 2014.  If you don’t, then you will be fined with a tax of up to $285 per year. According to the plan, if you fall under the level of poverty ($15,000/individual or $30,000/family of four, you can get Medicaid.

It will take time for the country to transition to Obamacare.  However, supporters of the plan believe that by 2017, everyone in the United States will be covered by affordable healthcare.  If you have any questions or concerns, you can visit the government website at