Obamacare 2010 and Trumpcare 2017 in Comparison: Which Healthcare Policy is More Promising for America

Obamacare 2010 and Trumpcare 2017 in Comparison: Which Healthcare Policy is More Promising for America

To support a better healthcare for American citizens, presidents like Obama and Trump established a healthcare policy called Obamacare and Trumpcare respectively. Anyone deserve a proper healthcare, but not anyone can afford them unfortunately. Since the rights to healthcare supposed to be universal, government established healthcare policy to make sure none will felt an inequality. So in this article, we would like to review and compare the healthcare policies that the US has experienced so far, which we has chosen Obamacare and Trumpcare.

Obamacare in 2010

Obamacare was a nickname given to the Affordable Care Act (ACA), and it was signed into law by president Barrack Obama in March 23rd, 2010. This policy is aimed to provide affordable health insurance coverage for all Americans, while at the same time designed to protect consumers from insurance company tactics that might drive up patient costs or restrict care. Obamacare has helped millions who were unemployed or had low-paying jobs, but despite the good outcomes, ACA has started a controversy.

Obama giving a speech about Obamacare on White House Health Care Summit

Photo is taken from Tirto.ID
Obama giving a speech about Obamacare on White House Health Care Summit
Photo is taken from Tirto.ID

When you enroll in an insurance plan, you’ll pay a monthly premium to keep that plan. Thanks to Obamacare, lower income individuals were given subsidies so they can cover the cost of their plans. It also provided payments to insurance companies to keep their deductibles (money people had to pay to join an insurance plan) low.  Insurance plan under ACA cover various of medical services like preventative care, emergency care, hospitalization, pregnancy & newborn care, therapy & rehabilitative services, pediatric care, and laboratory services.

The controversy however, came from conservatives who object to the tax increases and the higher insurance premiums needed to pay for Obamacare. The policy has put a heavy weight on medical providers by giving additional workload and costs, in the end there are frequent calls for the ACA to be repealed. Republicans were so against ACA because the tax-penalty requirement is the most unpopular provision of the law among them. The unfamiliar system, ideology difference, and unsatisfied parties was the cause to the controversy.

ACA has helped more than 16 million Americans to obtain health insurance coverage, and made sure that insurance coverage isn’t free but still affordable. Before Obamacare, people with pre-existing conditions such as cancer will be denied by insurance company with the alibi of “the illness or injury occurred before you were covered by their plans”. ACA prevents this, and make sure companies can’t reject people with pre-existing conditions. There is no limit set on the coverage budget, more services were covered, and prescription drugs cost less

However, as insurance provide a wider range of benefits and coverage, people who already had health insurance had to pay higher. The goal of Obamacare is to make all American citizens to be health insured, those who chooses not to will be fined, even though everyone has the liberty to choose. To support ACA funding, taxes is going up as well, including taxes on medical device and pharmaceutical sales. Meanwhile, some businesses cutting hours from employee schedules to avoid their obligations to cover employees with insurance.

For a better explanation, you can watch a video from eHealth which explains Obamacare less than 3 minutes.

Trumpcare in 2017

Trumpcare is a nickname given to the American Health Care Act (AHCA), and it was signed by president Donald Trump on October 12th, 2017. This policy was supposed to be the replacement of Obamacare, trying to repeal and replace the previous existing health care act. AHCA now allow companies to deny or charge more to people with pre-existing conditions. It will also remove the obligation of applying insurance to all American, removing tax-penalty in the process. Trump’s health care act also limit the list of essential health benefits.

Politicians introducing American Health Care Act (AHCA), also known as Trumpcare

Photo is taken from: Politico.EU
Politicians introducing American Health Care Act (AHCA), also known as Trumpcare
Photo is taken from: Politico.EU

AHCA tried to cut the budget for federal health spending, might explained the limitations above. Speaking of limitation, AHCA limit healthcare options for people with pre-existing conditions, while also limit the health benefit coverages such as prescription drugs, maternity care, mental health, and substance use treatment. Trumpcare also remove the tax-penalty requirement, which is the root cause of Republicans disatisfaction towards ACA. So basically it was like Obamacare, it’s still helps the poor, but with a couple of limitatons.

Speaking of substance use treatment, you can read: SDG Target 3.5 Prevent and Treat Substance Abuse

Just like ACA, there is also some parties that oppose the establishment of AHCA, including the American Association of Retired Persons (AARP), the American Medical Association, the American Nurses Association, the American Academy of Pediatrics and the American Hospital Association. The plot twist is, Trumpcare was not yet official as a law, and it’s probably will never be as it went on to die on the Senate floor. Trump hinted to make a new plan in early 2019, but the senate refuse any plan until after the 2020 presidential election, which Trump lost.

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