I have attempted to look at the Affordable Care Act objectively, something that is almost impossible to do in today's world. But, as proponents point out, there are some good aspects to the Affordable Care Act. The inability to be denied coverage due to a pre-existing condition, and the ability of "children" up to age 26 to stay on their parents plans are two positives that come to mind.
Unfortunately, there are also negative aspects that need reworking and adjustment.
A glaring "loophole" is commented upon below - the lack of inpatient coverage for many ACA-approved plans.
What I want to know is how did these plans ever get approved?
How could there possibly have been such a loophole?
Whose idea was it to include such a glaring lack of coverage for the recipients of such plans?
Is there any accountability for poorly written plans/acts/bills/laws?
There doesn't seem to be.
In my opinion, these types of loopholes and errors and oversights are exactly why there remains controversy over the entire Affordable Care Act.
We could have done better if politics didn't get in the way. Let's hope that improvements can be made before people are harmed.
Press compilation from the AMA:
HHS moves to close hospital coverage loophole.
The Hill (11/25, Viebeck) reports that Federal officials “are moving to stop some employers from cutting hospital coverage in the health insurance they provide under ObamaCare.” The Centers for Medicare and Medicaid Services issued proposed regulations on Friday to require companies with 50 or more employees to offer hospital benefits as part of their health plans. CMS stated, “A plan that excludes substantial coverage for inpatient hospital and physician services is not a health plan in any meaningful sense.” According to The Hill, the agency offered the clarification after an online “minimum value” calculator provided by HHS “approved plans that did not include hospital benefits.”
Kaiser Health News (11/25) reports that HHS “also proposed granting temporary relief to employers that have already committed to calculator-approved plans without hospital coverage for 2015.” For 2016, however, no large-employer plan will meet the minimum-value threshold without inpatient benefits, the agency said. According to the article, “calculator-tested” plans lacking inpatient coverage “have drawn strong interest from large retailers, restaurant chains, staffing companies and other lower-wage employers seeking to control costs.”