You plan to opting in to obama care. The discussion and throughout the discussion. Millions are eligible to get Health Care Insurance through the Affordable Care act also known as obama care. Theres a lot of confusion. According to a poll, fewer than 6 to 10 americans knew obama care was on its way it had a lot of young adults ill informed on what it actually means for them. To ers say its cheaper to opt out. Open enrollment has already started. Joining us to try figure this out is page win field. In our google plus hang out we have Unanswered Questions about obama care. A student and a founder of network red. John ram say freelance journalists whether oh plans on taking advantage of the program and a Health Care Consultant who oh decide that shes undecide about obama care. The Affordable Care act is 900 pages long. Its accused of not reading it. A lot of americans obvious i will havent read it which might be part of the reason for the confusion. It sthaoepls because of that, people are getting biased or incomplete information about it. The biggest challenge to take a 906 page document. Is it impossible the to sum it up . Youre absolutely right. Most persons didnt know what it said three years go. Most persons still dont know what it says. If i was going to sum it up, basically, the law requires on one Insurance Regulations it requires insuresers to cover more Service Without charging people copays. It limits how much money they can spend on over head. Theres a couple of other the regulations and the second major part of it is the extension to a lower income it expands medicaid for very low income and also provides marketplaces where people are low to moderate income can go and can buy plan and get insurance to help pay for it. There are a lot of other provisions and thats probably the biggest part. What are the opponents of the Affordable Care act is coverage for young adults. Breakdown how thats different. What that offers young people now. Before the law was passed, a lot of young people didnt have insurance coverage. For sort of obvious reasons. They dont have to think about folks. The law will now require everyone to have cove trapblg startin coveragestarting in january. Are the young people going to enroll in the law. Are they going to pay for something that they havent had the to pay for before. A lot of them are feeling as though its not going to be worth it. They are in really good health and why should i have to pay for premium these over 100 every month when i dont really need it. So, so nobody knows whats going to happen this year. I think the administration can have b much better. It has a misinformation and that the second law. So, shawna, i know youre critical. Then some question, go for it. I will agree with the last statement. Beginning, you see the biggest reporters and how these all working out. And to be honest, its a lot like monopoly. If youre a Lesser Company they go. Business. I think its going to be debt mental for a consumer who doesnt get to buy something for the free market and the government said i think this is a really big problem. I also dont think we will not know what the bill says and how it functions. How about you . You have a question for paige . You understand how this works . For me, a freelanceer. I dont have insurance. I just turned 26 recently people no longer on my parents insurance and would like to be covered. Question i have, when it comes to the cost for the people, are the health this Care Exchange tradition thats a really great question. I was just looking at a sur stray today by the American Action forum and youre right. They probably are going to be when youre looking at someone your age a26yearold healthy male before the law was passed, you will be able to go inside a catastrophic coverage bare ebones plan for less than a 100 probably. Tphoup they are required to cover more services in their plan. Even though there are different tiers of coverage that youll be able to buy on the exchanges like the plans. Even the bronze plans are going to end up being more expensive than the coverage than you could buy this year. Just to give you an idea. The average plan fa for a young male is 165 a month on the exchanges. Thats compared to a 60 or 70 a month plan that a lot of young people were able to buy. That is a pretty big increase. That is a very big increase that they have on their side. That costs are going up for young people. I guess its that now youre getting a plan that includes more service perhaps that the plan that you had before. But, your concern is a concern that a lot of people your age share when they are looking at next year and thinking do i want to fay penalty for not buying coverage or do i want to choose one of these plans and face the cost every month. What youre saying it is in to something that a columnists just wrote. I was reading it this morning. It says youre talking about what obama care is and what its not. Its Insurance Industry biggest wishes of all. Using government power to become the industrys permanent customers. Are young people feeling that last sentiment . I think some are. Hes right in that the Health Care Law was big deal for insurance. There are low regulations. There are some perhaps concessions or compromises that they made that they realize that its hard for the Overall Health care reform and they were going to come out the by getting all these extra customers and a lot of it is at the expense of young people. Because i think both sides agree that young people are going to be paying for the cost that is folks. You have to have younger people in the insurance to bring down the rest and e essentially, a lot of the premiums that the young people are going to be paying are going to pay for those Higher Health care cost and older people. If they dont need projections. I will have the break that stt potential fall after that. Whats at stake for young adults. Will they decide whether or not to participate in a program that in some way depends on them. Hi, im michael, director of [[voiceover]] theres more to america. More stories. More voices. More points of view. From our headquarters in new york. [[voiceover]] now theres a news channel with more of what americans want to know. Im ali velshi, and this is real money. This is america tonight. Our news coverage, reporting, and documentaries explore, inspire, and reveal more of americas stories. Im here to investigate genetically modified salmon. Tomorrow night, fault lines investigates wage practices in the restaurant industry. The employers have the upper hand out here. They can steal from you and face very little if any consequences. Basically this industry is saying, we dont have to pay these workers at all. They should work for us but we dont have to pay them. Two thirds of lowwage workers experience wage theft every week. Youre telling me that these people are allowed to treat people like this and you cant do anything . Welcome back. A substantial number of people between ages of 18 to 34 had to join. Page, we talked about this before the break. What happens the number doesnt meet projections. A moment just started yesterday. Enrolled. The hope is that out of the 7 Million People that the administration hoped for enrollment here, 2. 7 million of those thereby young people but nobody knows at this point. Theres a lot of outreach efforts that are going on right now. If they dont, the skerpb that premiums can go up even more. The premiums are already rising every year and thats probably going to continue because this law really doesnt curve the growth of Health Care Costs. Thats the biggest complaints that they have its something that they have the growth that some of the young people will start paying in the system. U you mentioned outreach. The Obama Administration made the mistake that the Affordable Care act will sell itself. Did the administration do a good job of making sure that the afford tabl care act was for young americans. There is some concern that they could be doing a better job. Tad minute administration came back and said it requested this law. Law was passed three and a half years ago. So, i think you saw the administration ramp up its game over summer and try to have some out reach efforts. Theres also a number of nonprofit groups that are trying to reach people. They just went to a meeting this morning which is one of the most active groups to promote the law. They just had 5 milliondollar ad campaign. There is a nonprofit so a lot of the staffers formally worked on the Obama Campaign and so on and so fourth. But, they are nonpartisan and are basically for the purpose of trying to get people enrolled in coverage. They will focus on ten states where its really high and State Government stpbt trying to pubize the law. We have chimed in from our online community. Weston says and shareen says christine says join our conservation. I know you u have a question for paige. Go for it. Hi, paige. Great job of explaining it so far. Why the poll city and this evolution of health care and business in america as well as the policy side and especially medicare and medicare cade and one thing i have a question of, i have been trying to figure out on my own and hopefully you can help me. Theres many going on at the top level. Many are for us. Thats a really good question. There are, as you said, some in the Health Care Law. In the whole scheme of things, they are not huge. I think one of the biggest problems, if you will, of the Health Care Law is that it actually doesnt reform medicare. So a lot of the problems that we have with medicare before the law went in to effect are still there. The medicare line is still dry ten years from now. So the hope to earlier this year is that congress would be able to give the medicare fund. Instead they rp so busy of funding the the medicare law that they havent done anything with medicare. I guess the answer to your question is the that the law doesnt do much with medicare. You mentioned some campaigns for nonprofits that are working to enroll people. What facts are those groups trying to get out to me limb yum . I would say that well, theres a lot of misinformation thats being spread by the opponents of the law. They certainly have some good arguments on their side which we already covered Health Care Costs going out and things like that. But, some of their advertising crosses the line a little bit. Theres one line that is on our this is a government take over of health care. Something that youre hearing a lot in ads thats going on. Is it the states option or the t it its handled at the state level. They do have an option of opting out. They dont have the an option, well they have an option of not running the state exchange. The law is it is a regulation of health care and it is a new entitlement for people to get these federal subsidies to buy coverage. The best misconception of the law. It effects womans health. Its fabulous and obama care is the best thing to tfr happen to woman. With the new Care Coverage in the eca and the amount of young woman that are using their obgyns over their primary care physician will we be able to add to care such as Heart Screening and still be covered . Well, the law does require insurers to offer the exchanges to cover a preventive services. That includes a whole host of things. Mammograms, the woman visits. One important thing to remember though is that those costs still have to be paid by somebody. Even if you go in to a doctor and dont have to pay a copay, the insurance will still roll that cost in to your monthly premium. Remember. Plans are going to cover the services but that doesnt mean theyre free. Someone will still have to pay for them. Crickets for the program have said theres a big difference theres a difference between health care and health insurance. They are skeptical whether the insurance companyless provide care and provide insurance that doesnt give people what they want. What measures are on place to gauge the success of the people. Theres a number that they do have to do to make insurance a little bit more understandable to your average person. You look at the Insurance Plan and most people cant understand whats in it and what it covers. The law does require insurance teams to have standardized forms that you can where it with all the things it covers that its easier for people to see. But, the t its what insuresers are covering and how good the medicare care are being provide is its still two different questions. And one complaint that has been far long time about a system that we have is people are incentiveed by because people are paid by the insureser. In terms of the administration, how will they measure success . It cant be by the number of people signing up. You have seen that all along with the law. Theres parts of the law they like to talk about. Theres parts they dont like to talk about. Something they talked about is the coverage for their parents plan and the another thing is in the medicare doughnut hole. Other parts are how businesses are reacting to the law. As far as next year, they are going to be looking at numbers. Theres going to be a lot of look at what the premiums are for next year and since the year after it. When we come back from the break, i will talk about what comes down the road. There are a few other stories that were feeling right now. Millions who need assistance now. We appreciate you spending time with us tonight. Up next is the golden age of hollywood going golden but elsewhere. Why l. A. s mayor has declared a state of emergency for the Entertainment Industry there. Next. Welcome back. We are talking about the Affordable Care act. What are the chances for survival for Affordable Care . Thats something were hearing a lot. They are saying the law will collapse under weight. Things. The big thing to watch goinging forward is going to a, how in people are enrolled. Success. Of course the uninsured rate has droped in massachusetts and money. That is my second point which is how much is this going to cost long term . This sort of problems the law is that its not going to have a health care cost. Costs are still they could keep rising potentially and because the government is now paying a lot of extra money for the medicare expansion, the government is on the look for these new subs disand the private Insurance Plans. That could be a real concern going in to oh the future. The government is already having problems with forming medicare and a lot of the costs associated there. I think those are going to be the two things to watch, what happens to the insured rate and what to do the cost look like in the future. We have to make a point on how well the government had the marketing the program for young people. I wasnt aware of it and at the stroke of midnight, the social media was telling me to go to health care. Gov. In terms of really exciting people about it. I would say that and also the sort of squirmish about the shut down of short reminded people to go to to website and check out the fact that obama care was starting october 1st. I dont hit the was coordinated enough to coordinate the conversation on twitter. But, the first day we saw a lot of glitches on the left side, a lot of crashes. That could be indicative of technical problems. It could be that they werent prepared as much. They had more traffic and they were expecting and people were excited about law and want to enroll. Tad minute administration has been trying to pump young people up and get them excited. They have been looking for places where young people go to reach them there. Because they are doing a lot of coverage and the administration helped some on College Campuses and trying to get people excited. Be it social media. But, it has been challenging so far because talking about through all of this, people dont tend to think about health Care Coverage very much. Not really the first thing on our mind. Its kind of a challenge. Is there information for people who are used to making decisions its a great website all the time it answered a lot of questions about the Health Care Law and health care in general. Website. You can have basic questions answered. And theres the rule america and other nonprofits that are trying to get people enrolled and they all have websites where you can go. Enroll. Right. We werent really going to hear about some of the delays in the law and some of the other parts of the law that are not going. Last question. So, lets say this thing survived. Crystal ball, what do you think now. Question. What we do know now is that they are trying to predict what its going to look like. They are trying to say lit go down in flames and destroy the health care system. Its a simple law and trying to make it sound like that everything is going to get covered and will be this great roll out. But ten years down the road, i hit the has to go back to what are those key markers. Were running out of time. You think sit somewhere in the mid stphl. Maybe. Thank you for all our guests tonight. We appreciate your questions. Until our next show. Ill see you online. Welcome to al jazeera america. Im stephanie sy. Here are the stories were following for you. Obama they got what they wanted. Now theyre trying it figure out how to get out of it. President obama points the finger at the tea party for the government shutdown. Now the shoutdown on a global scale. First iran and now north korea. Thsecretary kerry said theyre open to talks with jungun. President obama came out swinging today. The president went to