By: Ivar Velasco

Obama Care, or Health care reform, is a national healthcare plan aimed at reforming the American health care system. The main focus of ObamaCare is to provide more americans with access to affordable health care, improving the quality of healthcare, regulating the health insurance industry and reducing spending in health care.

 ObamaCare was put into law in March 23, 2010

Helps set up a Health insurance marketplace where Americans can purchase federally regulated and subsidized health insurance.

Helps people get get health insurance through expanding Medicaid and Medicare, also offering cost assistance to Americans who cannot afford health care.

 Improves the quality of care that Americans receive by providing better preventative and wellness services and raising the standards of the quality of basic health care coverage. Eliminates pre-existing conditions and gender discrimination meaning no one can be charged more or be dropped from their health insurance coverage for health or gender related reasons.

 Gives tens of millions of low-income and middle-income Americans access to quality healthcare by providing discounts through the Health Insurance Marketplace. Ensures that health care coverage is available to any legal U.S. resident who cannot obtain quality healthcare through health insurance companies.

 Employers with less than the equivalent of 25 full-time employees may qualify for tax credits, tax breaks and other assistance for insuring employees through the Health Insurance Marketplace Increases consumer protections.

Help to protect you from being dropped while sick, denied care due to lifetime limits, denied care for pre-existing conditions, and offers Americans a better legal standing against health insurance companies.

 Unless you make over $200k individual/ $250k as a family or small business you are exempt from almost every tax ObamaCare levies. Expands Medicaid to over 15 million uninsured low-income Americans. reforms the Health care industry by cutting out the waste,reallocating where government funds goes, fixing what doesnt work, and most of all ensuring health care for Americans.

 ObamaCare offers a number of new benefits, rights and protections including the requirement that all new health insurance plans cover preventive services and provide new essential health benefits.

includes everything from yearly check ups, to maternity care, to mental health.

 No Guarantee Americans will keep their Doctors. Americans may lose their health plans Worsening health care higher premiums higher taxes budget deficit increase hiring freezes slashed working hours killing existing jobs

 killing new jobs jobs already killed 1,200 business waivers higher medicare costs seniors may lose their medicare Most Americans don't want it Reasons: Higher premiums: Obama said this program would save the average family $2,500 on their premiums, but a research conducted stated for healthy people it actually doubled, or even tripled.

 Higher taxes: The Heritage foundation found 20 new increased taxes in ObamaCare things like, investment income, Medicare payroll, the individual and employer mandates.

Budget Deficit Increase: ObamaCare will increase the long term federal deficit by $6.2 trillion.

 Slashed workers hours: Half of the small businesses were affected by ObamaCare, to replace their full-time workers with part-timers or cut the workers hours because of ObamaCares requirements. Killing existing jobs: A survey found that 24% of businesses plan to cut staff to less than 50 to avoid paying penalties for not providing health insurance.

 Higher Medicare Costs: Analysis found that ObamaCare will force seniors to suffer higher out-of-pocket expenses over the next five years Fewer insurance Companies: Health insurance companies dropped from 59% to 52% from 2000 to 2011 Fewer insurance choices: United healthcare and Aetna, stopped providing healthcare in California because of ObamaCares requirements.

 Medicare cuts delayed: The administration is spending millions to postpone cuts to Medicare after the 2014 election. Fewer doctor and hospital choices: Health insurance companies are cutting costs by by selecting healthcare plans that reduce the number of doctors and hospitals available to doctors.

 Hiring Freezes: More than 40% of small businesses have frozen hiring because of ObamaCare. Schools cant afford Insurance: Schools began cutting hours to avoid paying substitute teachers and support staff. Things like classroom aides, cafeteria workers, and bus drivers.

 The average pay for insurance is usually around $2,196 per year, or $183 per month. So yes, if you were making $35,000/year at 28 year old you would be able to afford health insurance or any kind of insurance. But paying $2,196 per year is for the average individual, for a family its expensive. Usually for a family it costs around $4,968, or $414 per month. And still you would be able to afford insurance even with a family.