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Victoria Brownworth @VABVOX
, 29 tweets, 20 min read Read on Twitter
A federal judge ruled the #AffordableCareAct--also known as #ACA & #Obamacare--unconstitutional because #GOPTaxBill removed the mandate.
I've written about ACA since it was devised in 2009 & signed in 2010. Here is a thread📌on what the law does & how it impacts you:
Many Americans are confused about what the #ACA is--and this includes Trump and his #HHS Sect #AlexAzar. A vast array of complex #healthcare statutes are covered under the #AffordableCareAct (also known as #ACA & #Obamacare). So here's a primer to inform you on all points.
The #AffordableCareAct is the comprehensive health care reform law enacted in March 2010 (sometimes known as #ACA or #Obamacare). The #ACA is NOT insurance. It is a LAW that stipulates, in part, what insurance companies provide in their #healthcare plans.
The #ACA law was passed to make affordable health insurance available to more people. The law provides consumers with subsidies (premium tax credits) that lower costs for households with incomes between 100% and 400% of the federal poverty level. Most Americans get subsidies.
The #ACA also expanded the #Medicaid program to cover all adults with income below 138% of the federal poverty level. (Not all states have expanded their Medicaid programs.)
The #ACA supports innovative medical care delivery methods designed to lower the costs of health care generally. This includes prescription drug costs, #cancer, hospice and palliative care as well as other medical procedures.Again, the #ACA is a law, not insurance.
The #ACA covers every single insurance plan in America, including those people get through their jobs, as well as #Medicaid and #Medicare.Many people claim they are untouched by the #ACA, but if you have health insurance, you are covered by the law. That includes Congress.
The #ACA is the most comprehensive medical reform act in U.S. history & is as comprehensive as the Social Security Act.ACA has 10 titles or sections. The #HHS Secretary implements all Titles except for Titles VIII & IX. The Secretary of the Treasury implements those.
In 2014, Title I required the 32 million to 50 million uninsured Americans to buy insurance or pay a tax. The requirement doesn't apply to undocumented immigrants because they are not eligible for coverage under the #ACA.
The #GOPTaxBill vitiated the mandate.
Under #ACA, The govt set up health insurance exchanges to allow everyone to compare health plans. States get federal funding to set up exchanges. Exchanges help people to find out if they qualify for #Medicaid or tax credits. Title I mandates Congress to use the exchanges.
Under #ACA Businesses with 50 or more employees must provide health insurance. If not, they pay an excise tax of $2,000 per employee except for the first 30 employees. Any company with fewer than 100 employees can use the exchanges.
Under #ACA companies with 25 employees or less that provide insurance can qualify for a tax credit of 50 percent. Businesses that offer health insurance to early retirees age 55-64 may be eligible for federal aid.Every health plan in the US is covered by the #ACA.
The pivotal points of the #ACA that impact the most Americans are under Title I. Title I requires insurance companies to provide the following safeguards and additional benefits:Parents can add children up to age 26 to their plans.
Under the #ACA insurance companies CANNOT drop people if they get sick OR put a ceiling on lifetime coverage.Insurance companies CANNOT deny coverage to those with #PreExistingConditions.
Before the #ACA women paid higher insurance rates than men and maternity benefits and other prophylactic treatments for women were not covered by insurance policies.Under #ACA insurance companies MUST cover 100 percent of wellness and pregnancy exams and maternity benefits.
Under the #ACA insurance companies must spend at least 80 percent of premiums on medical services, or rebate the rest back to policyholders. They must submit justification for rate hikes to states for approval.Your premiums are set by insurers, NOT #ACA as @FoxNews claims.
In 2014, the #ACA extended #Medicaid coverage to anyone whose income is below 138 percent of the federal poverty level. It also allowed states to cover low-income adults without children. The #ACA maintains the Children's Health Insurance Program (#CHIP).
Title III of the #ACA closes the gap in prescription drug coverage, known as the doughnut hole, in #Medicare Part D. In 2010, seniors received $250. In 2011, they got a 50 percent discount on brand-name prescription drugs and 7 percent on generic drugs.
By 2020, the #ACA eliminates the doughnut hole. #ACA also provides wellness and preventive care visits for those on #Medicare for free.Title IV of #ACA controls Prevention of Chronic Disease & Improving Public Health: Its overall goal is to support preventive health care.
Title V of the #ACA funds scholarships and loans to increase the number of primary care physicians, nurses, physician assistants, mental health providers, and dentists. The goal was to double the number of patients treated by 2020.
Title VI of the #ACA covers Transparency and Program Integrity and requires doctors to report on any financial interest they have with imaging companies, etc., and provide a list of alternative service providers to patients.
Title VI of #ACA requires medical device makers, drug companies, etc., to reveal financial arrangements they have with doctors. Enterprises that manage the prescription drug portion of #Medicare or the state exchanges are required to report any financial concessions they get.
Title VI of the #ACA provides training for and requires background checks of nursing home staff to reduce elder abuse.This has had a huge impact in improving the quality of care for nursing home patients since 2010.
Title VI of #ACA cracks down on fraud: identifying high-risk providers & preventing them from setting up in another state & gives states ability to test legal reforms to enhance patient safety, encourage efficient resolution of disputes, improve access to liability insurance.
Title VII of the #ACA governs Improving Access to Innovative Medical Therapies.
The #ACA gives drug discounts to hospitals that serve low-income patients. It also requires competitive pricing for vaccines and hormone therapies.

This is obviously a key component.
Title VIII of the #ACA has been the most complicated. An Act within the ACA, the Community Living Assistance Services and Supports Act (#CLASS) allowed Americans who are or become #disabled to receive a $50 daily payment to put toward assisted living. It's still in progress.
Title IX of the #ACA covers Revenue Provisions and raises #Medicare Taxes to 2.35% on incomes above $200k for individuals or $250k per family & would also pay 3.8% Medicare taxes on the lesser of dividends, capital gains, rent, royalties & above income. To lower the deficit.
Title X of the #ACA is also vital--the Reauthorization of the Indian Health Care Improvement Act This modernizes health care services for 1.9 million Native Americans. It is implemented in consultation with the Indian Health Service.
So you can see that not only is the #ACA NOT insurance, but it is vastly comprehensive #healthcare reform covering all aspects of American #healthcare AND health insurance, including #Medicare and #Medicaid.

The #ACA impacts every American. You do NOT want it overturned.
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