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Need to give a response to my classmate with references? Healthcare finance is the process of managing money in the healthcare system. It involves how money is raised, spent, and allocated to provide medical care, pay healthcare workers, run hospitals, and support health insurance programs. Health care finance is a complex system and both videos did a great job of breaking down the key parts of health care finance and the Affordable Care Act (ACA). Although the ACA aimed to make healthcare more affordable and accessible, it seems it has made things a bit more complex. The ACA introduced several key points, such as state-based insurance exchanges, expansion of Medicaid eligibility, and required individuals to have health insurance or face a penalty. Some advantages of the ACA have been that millions of uninsured Americans gained health coverage through Medicaid expansion and insurance exchanges. Advocates cited the fact that nearly 46 million Americans were uninsured, while 25 million others did not have adequate coverage (Auerbach, 2019). The ACA also prevents insurers of discrimination against those who have preexisting conditions. Some of the disadvantages of ACA is the complexity of subsidies, tax credits, and requirements that were difficult for individuals to navigate. Some individuals face high insurance premiums, especially in areas where insurers have limited competition. Last but not least due to Medicaid expansion, Rural communities have historically struggled with recruiting and retaining health care providers, and observers have argued that certain aspects of rural practice are inherently unappealing (Escarce et al., 2022). The goal of healthcare finance is to make sure that healthcare is accessible and affordable for everyone, while also ensuring the system has enough money to function properly. The challenge is balancing costs so that people can get the care they need without overburdening the system or individuals with high costs. References Auerbach, M. P. (2019). Patient Protection and Affordable Care Act: Overview. Escarce, J. J., Wozniak, G. D., Tsipas, S., Pane, J. D., Ma, Y., Brotherton, S. E., & Yu, H. (2022). The Affordable Care Act Medicaid expansion, social disadvantage, and the practice location choices of New General Internists. Medical Care, 60(5), 342-350. https://doi.org/10.1097/mlr.0000000000001703
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