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Supreme Court Ruling: Affordable Healthcare

2012 June 29

By Tricia of Allsup

TriciaThe U.S. Supreme Court’s ruling on the Affordable Protection Act of 2010 is monumental. There’s no doubt about it.

The immensity of the law was first felt when the law was passed in 2010, but the pending decision by the Supreme Court has kept the full implications at bay. The uncertainty of the legislation’s future is no longer in doubt—to the extent that the law stands.

The 2012 presidential election could be another chapter in the ACA’s history, depending on who is elected.

But for the immediate future, all of the provisions that have passed since September 2010 will continue to be in effect, and the nation’s healthcare providers, insurers and citizens should make plans for the rollout to continue—with the exception of expanding Medicaid. (Read more details in Allsup’s press release about the Supreme Court ruling.)

There have been a number of benefits for consumers, including:

  • The availability of preventive healthcare through insurance
  • The option for young adults (up to age 26) to remain on their parents’ policies, and
  • The elimination of pre-existing conditions as a hurdle for children.

But many other hurdles remain, especially for adults with severe disabilities. We know from our experience helping Social Security disability claimants, healthcare is an ongoing, frustrating and usually costly challenge.

Though the Affordable Care Act is working to reduce the hurdles for adults with pre-existing conditions—they still exist. Mainly, they come in the form of insurance plans that simply cost too much for the average person to afford.

Those with extremely low income have the option of Medicaid. For others, the options are limited to private plans (if they’re even available) and Pre-Existing Condition Insurance Plans, or PCIPs. Another option, state healthcare exchanges, are designed to address this problem, but they still won’t be available until 2014.

Healthcare coverage and treatment are absolutely critical for success when applying for Social Security Disability Insurance benefits, let alone simply coping and living with your impairment or condition.

Many people may see this Supreme Court ruling as a major success for people with disabilities. But we know it’s only going to be a success when healthcare coverage becomes truly affordable. Share your thoughts on the ruling here.

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