Brasfield Chapters 6-10

In the last few chapters of the book, Brashfield start off discussing the increasing rate of nursing homes and health care for the elderly. The costs of living in nursing homes are extremely high, quite frankly it is more cost efficient to have at home care. This is having an impact on the economy. Currently the way it works is whenever you do run out of money; the government (Medicaid) will pay for it. Also so it is stated how private long term care insurance only covers %10 of long-term services. To me this is completely in justice to only cover 10% of cost because overalls leaves the entire 90% to that person to have to pay. In the chapters it is also discussed about high-risk pools.  This was interesting to read up on, about how insurance companies would refuse to insure or charge high premiums for individual policies. Different states responded by creating special high-risk pools.

Brasfield discusses how there were key issues with the ACA: cost, the public option, and abortion restrictions. When going over the cost, the house and senate had different approaches in regards to the bill. They were similar in some ways such as, including subsidies for people in insurance exchange. What distinguished the two who purchased policies was the cost. The House bill subsidies were higher, which gave protection to those who received them and the house version cost more. The Senate version was focused on revenue and  savings. The finale version the bill was more closely similar to the Senate.

This book has taught me that there is so much more that going into the health care system on a more political level and government approval level. I myself an not too involved in politics, so reading the book help me see that it is important to understand out political leaders, because we are the people they are suppose to work and fight for. The health care system is a very political matter, especialy in the sense of money.