HealthCare Reform Passed: FUCKED
- Thread starter VanD
- Start date
fuck this bill i will be paying the fine because i can barely afford to get by now with the price of everything im not paying more money out of my pocket because our bullshit government feels its necessary to make this mandatory. unless they plan on lowering the price of everything else I will not be getting this insurance
Health Care Bill: What Does It Mean for You?
A Breakdown of President Obama's and Democrats' Health Care Bill
By HUMA KHAN
March 22, 2010—
President Obama Tuesday is expected to sign the sweeping health care overhaul legislation that will have a significant impact on Americans across the board.
The $938 billion health care bill is to be paid by a combination of tax hikes on the wealthy and cuts in Medicare. The bill will expand coverage to 23 million Americans, but many of the provisions -- with the exception of prescription drug coverage for older americans and children who have been denied insurance because of pre-existing conditions -- are not expected to go into effect until 2014.
A majority of Americans -- about 60 percent -- get health insurance through their employers. If those Americans make less than $200,000, they are unlikely to see any changes, since the health care bill is designed to maintain the role of employers in providing health insurance benefits and penalizes those that don't. But the bill will affect those in the high income bracket and poor Americans who currently cannot afford health coverage.
Here is a look at what the health care bill entails and when Americans can expect to see those changes go into effect:
Insurance Market Changes:
Starting this year, insurance companies would be barred from denying coverage to children because of pre-existing conditions. Effective when the bill is signed, they will also be prevented from placing lifetime caps on policies, or from dropping a patient's insurance if he or she gets sick.
In the next three months, "high risk pools" will be established for those who who have pre-existing conditions, to provide safeguards until all the provisions are fully enacted.
Also this year, insurance companies would be required to cover preventive services, which includes such medical procedures as vaccines that are recommended by the Centers for Disease Control and Prevention.
By 2014, insurance companies will be prohibited from denying coverage to adult patients with pre-existing medical conditions or charging them more because of these conditions.
In a move that has made many college students and young Americans happy, the health care bill allows parents to keep their children on their insurance plan until the age of 26. That provision takes effect this year.
Prescription Drugs:
Proponents of the health care bill have been touting how it aims to close the "doughnut hole" in prescription drug coverage. What that means is that older Americans who hit the cap on their Medicare prescription drug benefits will be given a rebate, starting this year. Once they spend $2,830, older Americans will receive a $250 rebate. Starting in 2011, older Americans who go past the allotted amount will be given a 50 percent discount on prescription drugs. The bill aims to close the "doughnut hole" completely by 2020, but older Americans will still have to pay for 25 percent of their drugs.
Health Care Bill: Tax Increases:
Individuals with incomes of $200,000 or higher, and families with combined incomes of $250,000, will be subject to a new 3.8 percent "Medicare Tax." They will also be taxed now on unearned income, including dividends, interest and capital gains.
If the Senate passes the "fixes" that the House of Representatives has proposed, as it plans to, there will also be a new tax on high-cost insurance plans, called the "Cadillac tax," which employers will have to pay. Insurance plans with a premium of $10,200 for individuals and $27,500 for families would be subject to a 40 percent tax. Many say such high-value, generous insurance packages that include luxuries such as no co-payments and deductibles are responsible for increasing costs in the industry, but many labor union members and teachers negotiate such plans in exchange for lower pay.
Companies in the medical industry will also be subject to higher taxes, including insurers, pharmaceutical companies and medical device manufacturers.
However, there are a wide array of tax incentives for small businesses to provide insurance to their employees.
Mandatory Insurance:
By 2014, most Americans would be required to have health insurance or pay a fine, with the exception of low-income Americans. Small businesses, high-risk patients and the uninsured would have the option of shopping for coverage in health insurance exchanges, a marketplace in which people could shop for and compare insurance plans.
Employers would also be required to provide coverage to their workers, or pay a fine of $2,000 per worker. Companies with fewer than 50 employees, however, are exempt from this rule.
Medicaid:
The bill greatly expands Medicaid and subsidies to low-income Americans. Those who are at 133 percent of the federal poverty level, or $29,327 for a family of four, would be eligible for Medicaid, starting in 2014.
Also in 2014, adults who don't have children would be eligible for such benefits that have traditionally only been given to households with children.
Louisiana specifically will receive an expansion of $300 million in Medicare funding from the federal government by 2011.
A Breakdown of President Obama's and Democrats' Health Care Bill
By HUMA KHAN
March 22, 2010—
President Obama Tuesday is expected to sign the sweeping health care overhaul legislation that will have a significant impact on Americans across the board.
The $938 billion health care bill is to be paid by a combination of tax hikes on the wealthy and cuts in Medicare. The bill will expand coverage to 23 million Americans, but many of the provisions -- with the exception of prescription drug coverage for older americans and children who have been denied insurance because of pre-existing conditions -- are not expected to go into effect until 2014.
A majority of Americans -- about 60 percent -- get health insurance through their employers. If those Americans make less than $200,000, they are unlikely to see any changes, since the health care bill is designed to maintain the role of employers in providing health insurance benefits and penalizes those that don't. But the bill will affect those in the high income bracket and poor Americans who currently cannot afford health coverage.
Here is a look at what the health care bill entails and when Americans can expect to see those changes go into effect:
Insurance Market Changes:
Starting this year, insurance companies would be barred from denying coverage to children because of pre-existing conditions. Effective when the bill is signed, they will also be prevented from placing lifetime caps on policies, or from dropping a patient's insurance if he or she gets sick.
In the next three months, "high risk pools" will be established for those who who have pre-existing conditions, to provide safeguards until all the provisions are fully enacted.
Also this year, insurance companies would be required to cover preventive services, which includes such medical procedures as vaccines that are recommended by the Centers for Disease Control and Prevention.
By 2014, insurance companies will be prohibited from denying coverage to adult patients with pre-existing medical conditions or charging them more because of these conditions.
In a move that has made many college students and young Americans happy, the health care bill allows parents to keep their children on their insurance plan until the age of 26. That provision takes effect this year.
Prescription Drugs:
Proponents of the health care bill have been touting how it aims to close the "doughnut hole" in prescription drug coverage. What that means is that older Americans who hit the cap on their Medicare prescription drug benefits will be given a rebate, starting this year. Once they spend $2,830, older Americans will receive a $250 rebate. Starting in 2011, older Americans who go past the allotted amount will be given a 50 percent discount on prescription drugs. The bill aims to close the "doughnut hole" completely by 2020, but older Americans will still have to pay for 25 percent of their drugs.
Health Care Bill: Tax Increases:
Individuals with incomes of $200,000 or higher, and families with combined incomes of $250,000, will be subject to a new 3.8 percent "Medicare Tax." They will also be taxed now on unearned income, including dividends, interest and capital gains.
If the Senate passes the "fixes" that the House of Representatives has proposed, as it plans to, there will also be a new tax on high-cost insurance plans, called the "Cadillac tax," which employers will have to pay. Insurance plans with a premium of $10,200 for individuals and $27,500 for families would be subject to a 40 percent tax. Many say such high-value, generous insurance packages that include luxuries such as no co-payments and deductibles are responsible for increasing costs in the industry, but many labor union members and teachers negotiate such plans in exchange for lower pay.
Companies in the medical industry will also be subject to higher taxes, including insurers, pharmaceutical companies and medical device manufacturers.
However, there are a wide array of tax incentives for small businesses to provide insurance to their employees.
Mandatory Insurance:
By 2014, most Americans would be required to have health insurance or pay a fine, with the exception of low-income Americans. Small businesses, high-risk patients and the uninsured would have the option of shopping for coverage in health insurance exchanges, a marketplace in which people could shop for and compare insurance plans.
Employers would also be required to provide coverage to their workers, or pay a fine of $2,000 per worker. Companies with fewer than 50 employees, however, are exempt from this rule.
Medicaid:
The bill greatly expands Medicaid and subsidies to low-income Americans. Those who are at 133 percent of the federal poverty level, or $29,327 for a family of four, would be eligible for Medicaid, starting in 2014.
Also in 2014, adults who don't have children would be eligible for such benefits that have traditionally only been given to households with children.
Louisiana specifically will receive an expansion of $300 million in Medicare funding from the federal government by 2011.
The bill is good for young people, providing coverage until 26. Also, for the working poor, they will now qualify for coverage and subsidies. My question is what do middle class parents get who have an income of 50,000 and their employer only covers them not their children? It seems based on the figures I have seen it will be cheaper for them to pay up to $400 a month to cover their children then to purchase the governments plan at about $11,000 a year and not qualify for subsidies.
are you guys that are against the reform part of the teabagger party?
i dont understand why people are aginst it. i havent had inscurance in years so if i can get affordable inscurance now im cool with it.
i suspect a lot of people are against the reform because they're against Obama because he's black. not trying to get all racial on everyone but thats what i see.
i dont understand why people are aginst it. i havent had inscurance in years so if i can get affordable inscurance now im cool with it.
i suspect a lot of people are against the reform because they're against Obama because he's black. not trying to get all racial on everyone but thats what i see.
And you're probably right... but there are others that are against this bill because it expands the goverments role in our everyday lives... It seems like that's what the people in power (Democrats, and Republicans) have been pushing for a long time now... I, myself, don't like the idea of having someone control everything I do in my life, but it's slowly becoming that way...
@ Artistic if you're poor, under the federal poverty line this is good for you. If you are above the poverty line but still struggling you have to do the math. You can get a plan right now for $300 a month with a $2500 deductable. That's about $6100 and you only have to pay the deductable if something goes wrong. You can have the plan and go to the drs office twice a year for a check up at $120 a visit. That's a little less than $4000 a year. This plan cost about $6000 a year for individuals over the fed poverty guidelines. If people have not been able to afford the former how can they afford the latter? It's not a good bill for the working class, who are struggling but working hard. It should do more for more people. Still it's a start. Also what happens when u have young children who don't have all their vaccinations? A kid who is illegal has a disease that could have been prevented and your kid gets it too. Every child, regardlesss of citizenship should have coverage. Vaccines should be free at any clinic, hospital, drs office to anyone no questions asked.
shut the fuck up with that ignorant ass bullshit
it's so fuckin easy to pull the race card, isn't it???
maybe people don't agree with his policies... I'm guessing you didn't agree with Bush's policies... is that because he's white???
I'm far from a racist... and I don't agree with this bill... I just don't think the government should impose their will on people like they are... if they want to step in and OFFER affordable health care for people, that's fine... but why are they forcing people do buy it?
I just see more and more freedoms slowly going away... this is just a start
it's so fuckin easy to pull the race card, isn't it???
maybe people don't agree with his policies... I'm guessing you didn't agree with Bush's policies... is that because he's white???
I'm far from a racist... and I don't agree with this bill... I just don't think the government should impose their will on people like they are... if they want to step in and OFFER affordable health care for people, that's fine... but why are they forcing people do buy it?
I just see more and more freedoms slowly going away... this is just a start
It's hard for liberals not to say that when you have Glenn Becks and people like the tea baggers who called members of the congressional black caucas niggers as they walked the steps of capitol hall to delegate on the bill. These racists crazy right-wingers fuck up the legit conservatives, just like the crazies on the left.
