Anyone Remember What's In The Health Care Bill?
Anyone Remember What's In The Health Care Bill?
Anyone Remember What's In The Health Care Bill?
Since the Senate passed its version of a health overhaul on Christmas Eve,Pearl rings most of the debate has focused on the politics of the effort. By now, #xmany people have forgotten — if they ever knew — what the bill would actually do.
So here's a short refresher.
According to the Congressional Budget Office, the Senate-passed bill would expand coverage to roughly 30 million of the 46 million people in the U.S. who lack health insurance. Most of the remaining uninsured would be undocumented immigrants, who would be ineligible for benefits under the bill.
Insurance Mandates
One of the most popular things the bill would do is ban insurance companies from excluding people or raising their rates, because they have what's known as a pre-existing medical condition.
What's that? Here's how California Democratic Rep. George Miller described his: "I sit here with two artificial hips, a little bit of arthritis, and I have a kidney stone. I'm dead in that insurance market if I have to switch policies or switch companies."
But in exchange for getting insurance companies to agree to accept everyone, #xthe insurance companies need more healthy people to be covered to help spread the risk. So the bill does something that's a lot more controversial: It requires everyone to have insurance.
That's something many Republicans used to support,Pearl rings but don't now. "Never has the federal government said any American had to buy anything. Now, [you] have to buy insurance. If you don't buy insurance, pay the IRS more money," said Sen. Charles Grassley (R-IA) during the Senate's floor debate in November.
Grassley is correct in that the mandate would be enforced at tax time. If you can't prove you're covered, you'll pay a penalty.
Helping Hand
But help will be available. If you're poor, you'll get health insurance for free through the Medicaid program. For the first time,ATM Parts, able-bodied adults who are simply low-income would become eligible for Medicaid.
Middle-class people who have to buy their own policies would get government subsidies. And small businesses would get tax credits to encourage them to help pay for insurance for their workers.#x
Those who have to buy their own health insurance get another leg up — a new marketplace called an exchange. Pearl ringsThere they could pool their buying power and compare their options.
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