Financial Impact of Healthcare

From co-pays to prescription costs, healthcare impacts society’s pocketbook. Under the Affordable Care Act (ACA), the goal is to provide all individuals in the United States with health insurance coverage. In an effort to minimize the impact of the cost of healthcare, the out-of-pocket expenses have also been capped for individuals and families under the ACA. If an employer doesn’t provide coverage, consumers are left to navigate the insurance exchanges or decline with penalties which can be confusing and frustrating.

In this assignment you are to imagine yourself as a case advocate for a single mother of 3 children under the age of 5. Develop an action plan or “plan of attack” for maximizing healthcare coverage utilizing the insurance exchanges while simultaneously keeping out of pocket costs at a minimum. Be sure to include the impact of declining health insurance, the penalties, and a “what if” scenario when a child the mother gets sick or injured. What factors would you need consider prior to making a recommendation for them? Your paper should be 1 – 2 pages, double-spaced in 12 pt. font.

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