Introduction to Policy Process Framework - Dissertation Example

A fact worth noting is that without such a regulatory policy, many of the private insurers exploited consumers in different ways. For example, consumers of health insurance lacked adequate information concerning the available services offered in the marketplace. Each of these stakeholders contributed immensely to the development of the provision that requires private insurers to have an interactive marketplace. Consumers recognized that the policy would place them in a better position to understand the different available policies and make the right choice concerning the preferred health insurance coverage.

Consultation with different stakeholders and interest groups led to the development of the policy that needed to be implemented by private insurers (Tate, 2012). Specifically, the government exhibits a measure of control on the premium rates defined by private insurers. The government does so to ensure that private insurance companies do not exploit Americans. There was a heated debate concerning the structure of the marketplace because it differed from what many stakeholders knew. The development of the structure of the modern marketplace depended on the views of all the stakeholders.

The Affordable Care Act has provisions that represent redistributive policies. Specifically, the Affordable Care Act outlines that rich Americans should be highly taxed so that the taxes can cover the health insurance of lower social class. There is an existing gap between the upper class and the lower class because the rich have access to more opportunities. A close analysis of the uninsured in the United States reveals that the lower class cannot afford health insurance coverage. Additionally, the lower class is denied opportunities of having health insurance coverage because of the premium rates determined by the insurance companies (Morgan & Boardman, 2012).