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The Nurse’s Guide to the Affordable Care Act

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When the Affordable Care Act (ACA) became law in 2010, it transformed the entire fabric of the U.S. healthcare system, including how nurses and other healthcare professionals approached their jobs.

This guide offers an overview of the ACA and examines what this historic reform means for nurses. This resource consults experienced nurses, who share how nurses’ roles are evolving as the American healthcare system continues to change. We also highlight what this means for you and your nursing career.

Table of Contents

What is the Affordable Care Act (ACA)?

Former President Barack Obama signed the ACA into law in 2010. Sometimes colloquially known as “Obamacare,” this healthcare reform law effectively overhauled the nation’s entire healthcare system. The law’s purpose was to lower insurance costs and ensure that no American went without health insurance. Under the initial law, every family had to possess a healthcare plan or pay a penalty.

The ACA also introduced several other provisions. The law expanded eligibility for Medicare and allowed individuals up to age 26 to stay on their parents’ healthcare plan. The law also offers subsidies to low-income individuals to minimize healthcare costs. In addition, the ACA prevented health insurance companies from raising costs or denying coverage to people with preexisting conditions. Given its complexities, the ACA was phased in over the course of five years.

The ACA and the 2020 Presidential Election

As the 2020 presidential election approaches, the future of the ACA hangs in the balance. Each major party candidate has a clear stance on whether they oppose or support the ACA.

Unsurprisingly, Democratic candidate Joe Biden supports the ACA. He served as former President Obama’s vice president when the legislation passed, and he plans to support and expand the ACA if elected. Biden’s campaign promises to offer policies that lead to health insurance coverage for 97% of Americans.

One major component of Biden’s healthcare proposal involves implementing a public option. In other words, individuals would be able to buy a public health insurance option like Medicare if they don’t like their employer’s plan. The plan also proposes increasing tax credits that would lead to lower insurance premiums. In addition, under Biden, low-income Americans could take advantage of Medicaid, even if they live in states that did not expand Medicaid eligibility.

President Donald Trump, on the other hand, has taken the opposite stance in his time as president. In the past, the Trump administration has attempted to reverse the ACA and its policies. For example, President Trump eliminated the ACA’s required individual mandate.

President Trump continues to support repealing the ACA heading into the 2020 election. In June, he asked the Supreme Court to overturn the ACA, although the court will not hear arguments until November.


 

If you want to get involved in civic education measures, you can take advantage of a recent surge in initiatives to encourage voting as part of healthcare. This guide breaks down ways nurses can get involved with campaigns to promote voting, voter registration, healthcare advocacy, and other forms of civic engagement.

Read more here.

How the Affordable Care Act Changed Healthcare

The ACA achieved many of its goals. The federal government helped with state funding for Medicare, with 37 states expanding Medicare after the ACA became law. Individuals without insurance from an employer could obtain insurance from a private marketplace, and insurance companies could not charge extra for preexisting conditions. Additionally, the price of premiums decreased as the law stabilized.

One of the most controversial aspects of the ACA involved the individual mandate, which required everyone to possess insurance or pay a penalty. The rationale behind the mandate was as follows: if both healthy people and unwell or at-risk people buy from the same health insurance pool, then costs would stay low. Otherwise, the cost of healthcare plans could increase significantly for older, vulnerable individuals, or anybody with a chronic health condition.

How Has the Affordable Care Act Affected the Quality of Care

Since the ACA increased access to healthcare, the quality of care has changed along with it. Under this law, health insurance now covers far more chronic health conditions, including behavioral and mental health disorders.

One significant consequence of the ACA involves preventative care. More people are caring for their health before they get sick. For example, many receive flu shots or cancer screenings before they become ill. This means that fewer people end up in emergency rooms or suffer preventable death. It also puts less of a financial strain on the healthcare system.

In addition, the Medicare payment system shifted to value-based care.

“The Medicare program adjusts payments based on the value of the care,” says Deborah Weatherspoon, an advanced practice nurse and nurse educator. “The better the quality of care, the higher the payment.”

If a hospital does not meet certain benchmarks for factors, such as 30-day mortality rates or high readmission rates, the system lowers payments for that hospital, Weatherspoon explains.

The Affordable Care Act and its Impact on the Nursing Profession

The ACA places a greater focus on outcomes, with more pressure on nurses to show they can give effective care. This means the demand for advanced practice nurses (APNs) and nurse practitioners (NPs) has also increased. NPs need advanced education to practice; as a result, they generally have better patient outcomes than other nurses.

According to Dr. Debra Sullivan, a nurse and nurse educator, “Many patients prefer APNs to physicians for preventative care because nurses are trained to treat the whole person as compared to a medicine approach, which bases care on diagnoses.”

Higher education levels also help nurses perform better in the workplace. Individuals can become RNs with either a bachelor’s or an associate degree, but a bachelor’s degree provides a more advanced education. Therefore, the Institute of Medicine recommended that at least 80% of nurses should hold a bachelor’s degree instead of just an associate degree. Experts are aiming to meet this goal by 2025.

The Increasing Demand for Nurses

Even before the ACA took effect, the U.S. faced a nursing shortage — a need for more nurses and not enough aspiring nurses to fill that need. As the ACA increased the number of people insured by Medicare and therefore the demand for healthcare, the need for nurses has only grown.

Although this demand is positive for job-seeking nurses, it also presents some negative consequences. A nursing shortage has led to nurses working long hours with inadequate nurse-to-patient ratios, Weatherspoon says. This can lead to nurse burnout and lower quality care.

Many people now call for greater healthcare measures, such as the universal healthcare system proposed by the Medicare for All bill, that would provide health insurance for all Americans.

“While this sounds good, it may escalate the nursing and physician shortage,” Weatherspoon warns.

In the case of Medicare for All, more people would likely take advantage of preventive care, which is often the responsibility of nurses. In addition, more RNs may pursue a bachelor’s degree or an advanced degree to become an NP. This all leads to an industry that will require more nurse educators, according to Sullivan.

The Future of the ACA

While the ACA is fully implemented, the law remains a work-in-progress.

For example, the ACA accomplished its purpose of insuring more Americans and decreasing the price of insurance premiums, however the ACA faces other challenges beyond the repeal of the individual mandate. A greater number of people do not have adequate insurance coverage, with about 45% remaining underinsured, according to a Commonwealth Fund study. In addition, some of ACA’s progress — such as fewer adults struggling to pay their medical bills — has stalled in the last few years.

One of the law’s most controversial parts was the individual mandate, which required citizens to pay a penalty if they did not possess insurance.

“Many people did not like being forced to purchase insurance or pay the penalty,” says Sullivan. “This created political controversy. There [had] been congressional proposals to repeal the law, and it has been tested in the courts.”

Under the Trump administration, Congress repealed the individual mandate almost a decade later. The future of the ACA remains uncertain, and may largely depend on the political party in power.

How Nurses Can Help to Shape Future Healthcare Reforms

Nurses view the healthcare industry from a privileged perspective. They not only help patients, but, given the amount of charting and paperwork they encounter, they also gain insight into the workings of the health insurance industry.

“Nurses offer a unique, expert, bedside perspective on the healthcare system and, as one of the largest healthcare professions, can be effective in healthcare political action,” Weatherspoon says. “Working at the point of care, nurses see the good things and the areas that need improvement.”

Nursing professionals can use this knowledge to improve the healthcare industry by advocating and taking political action, Weatherspoon adds. One way to do this is by contacting representatives from your state legislature.

“Nurses can be more active in nursing organizations. As a group, their voices will be heard,” Sullivan says.

This means joining state associations or the American Nurses Association, which incorporate political action as part of their mission. These groups host state advocacy days during which nurses campaign for their causes at the state legislature. Alternatively, members can donate money if their schedules do not allow them to participate.

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As a Nurse, Your Vote is Important

Because of their profession, nurses have a unique perspective on the healthcare system. Just as they care for patients, they also work with medical records and insurance systems. It can sometimes feel overwhelming to deal with the numerous complexities and challenges of the healthcare system.

That’s precisely why voting matters. It’s one of the ways that nurses can use their expert knowledge to change the system for the better. And the 2020 election is a major opportunity to steer the future of healthcare in the United States.

Weatherspoon believes that nurses have the numbers to make a tangible difference. “The nursing profession is more than three times the number of physicians in the U.S.,” she says. “It is time our collective voice is heard and respected for the knowledge of healthcare we possess.”

View our Nurse’s Guide to Voting to learn more about where presidential candidates stand on healthcare issues ahead of the 2020 election, as well as details on how to register and vote by mail.

Read more here.

Meet Our Contributors

Meet Our Contributor: Debra Sullivan Ph.D., MSN, RN, CNE, COI

Debra Sullivan

Ph.D., MSN, RN, CNE, COI

Dr. Debra Sullivan is a nurse educator. She graduated from the University of Nevada with a Ph.D. She is currently a university nursing educator. Dr. Sullivan’s expertise includes cardiology, psoriasis/dermatology, pediatrics, and alternative medicine. She enjoys daily walks, reading, family, and cooking.

Meet Our Contributor: Deborah Weatherspoon, Ph.D., RN, CRNA, CNE, COI

Deborah Weatherspoon

Ph.D., RN, CRNA, CNE, COI

Dr. Deborah Weatherspoon is an advanced practice nurse. She graduated with a Ph.D. from the University of Tennessee in Knoxville. She is currently a university nursing educator and has authored multiple publications. She has also presented at national and international levels about medical and leadership issues. She enjoys walking, reading, traveling to new places, and spending time with her family.

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