The Act authorizes the Office of Personnel Management (OPM) to contract out with private health insurers to offer at a minimum of two multi-state qualified health plans (to include at least one non-profit) to provide individual or small group coverage through state-based exchanges. In the area of long-term care, this creates a voluntary and national long-term care insurance program to help purchase services. In addition, this provides support for people who have functional limitations. This is done in order to help them maintain their personal and financial independence (CLASS program). PPACA requires that this be financed through voluntary payroll deductions (ibid 3-4).

In the area of Medicaid and CHIP, PPACA expands Medicaid to all individuals under the age of 65 years of age to include incomes up to 133% of the federal poverty level. We will examine how this affects individual providers below. This will provides 100% federal funding to...
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