Problem with that is that if the patient requires a treatment that is more

Problem with that is that if the patient requires a treatment that is more costly the physician pays for it instead of the insurance. HMO’s are strictly regulated because of this, at a federal level. ( Health Care and Social Law) Congress, in 2010, passed the Dodd–Frank Wall Street Reform and Consumer Protection Act , creating the Federal Insurance Office (FIO) in the Department of the Treasury . FIO monitors the insurance commerce and finds any possible breaks in the state-based regulatory structure. In addition to the FIO, Dodd-Frank Act launched the Financial Stability Oversight Council (FSOC). The FSCO is in charge of the financial service markets, which does include the insurance industry, to find those issues that affect the financial stability of the U.S. (Regulatory Agencies) Recently something new has started that relates to the ACA. The creation of a new health care delivery system. It is the Accountable Care Organization (ACO). It was formed by the health care providers to take “responsibility for quality and total costs of care for a population of patients.” In 2012, the ACA started the Medicare Shared Saving Program to help encourage the development of ACO. The point of the ACO was that if those participation in the ACO meet certain requirements and kept their patient spending below a predetermined budget, they received half of the savings from the ACO and the rest going to the CMS to help keep the program going. “ In 2015, there are more than 400 Shared Savings ACOs serving nearly 7.2 million beneficiaries, or 14 percent of the Medicare population. While these participation

numbers have exceeded expectations, results from the program’s first year of operation, 2013, were mixed.” (Common Wealth Fund, 2015.) Influence of Politics Politics are something that the health care world faces on a daily basis. It all depends on the point of view of those who are in charge of the laws and policies; specifically the government. There are two viewpoints that most face; conservative or liberal. Conservative supporters focus on few restrictions and will concentration on the needs of supply and demand. Liberal supporters concentrate on federal and state regulations, which means they believe that without those regulations the health care industry would fail. An example of the different viewpoints come from the debates surrounding the ACA after its enactment. Republicans were insisting that they would “continue to working to repeal the law,” (Ferris and Sullivan, 2015). However others felt that the ACA will withstand the upcoming elections and the supporters feel that it will continue for many years. “Whether to fix or repeal the healthcare law is a debate that has raged over the GOP ever since the Supreme Court upheld most of the Affordable Care Act in 2012,” (Ferris and Sullivan, 2015). Impact of the Affordable Care Act on the workforce Ever since the enactment of the ACA, there has be debate and concerns over how this will affect the healthcare system. The purpose behind the ACA was a noble one by providing millions of uninsured Americans, a way to receive medical insurance, it created problems for the health care system infrastructure. The healthcare workforce is already facing critical shortfall of health care professionals. ACA once enacted flooding the healthcare system with newly