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Health Reform hidden land mines
After all the controversy about the public option, people could think that each register immediately like what your business offers.
Think about it yet.
When it comes to the public option, for example, only about 1 in 10 Americans be subsidized, especially people who do not get the, insurance through work. Only about 6 million expected to enroll. for them.
President Barack Obama Democrats in Congress want to reap the political benefits if they can draw from health care reform by achieving nearly universal coverage, hardening rules to private insurers and changed the way health care is delivered.
But Democrats have niggling details like limits the scope of the reform would glossed over for some Americans. And if the voters find out, experts warn it could be a political backlash.
"These things can if expectations are wrong, then they start to become much less popular. "
Other hidden problems lurking in the plan. Cost reduction is based on each owner Days pay. A so-called millionaires tax in the House bill could finally snare more and more families.
When the law enters into force, Blendon said, the Campaign for maintaining its support for health care reform would just begin. "It's not really in the minds of the people," Option to enroll.
But that will not happen, at least not at the beginning. The reality is that only about 30 million Americans – 10 percent of the population – would be even eligible.
"People think they will get it – and they do not," said Sen. Ron Wyden (D-Ore.), for the changes has pushed to offer consumers more choices. "This is what they will freak out about."
The public option could only be a new insurance marketplace as an exchange where consumers could shop for plans known to be accessed. Only certain categories of people could exchange: Prevention.
This means that the vast majority of Americans – about 170 million euros – the insurance through their employers do not get new coverage areas Options, say the analysis of the Congressional Budget Office and the Centers for Medicare and Medicaid Services actuary.
It is a by-product of Obama's desire to keep to myself only if there is a steady stream of new customers, so insurance companies to spread costs and trim premiums for all. Therefore there is an "individual mandate" to buy insurance, to comply with sanctions.
But the penalty for not buying insurance? Zero in the first year, 2013, in the Senate Finance Committee Account.
The fine points at 750 $ in 2017, but no real enforcement mechanism.
And with the cost of the property insurance, that's a pittance compared. For example, a 25 year-old who earns $ 30,000 one year, could as much as $ 2,500 in annual premiums under of the Senate Finance bill paying, a computer on the Kaiser Family Foundation website. A family of four earning $ 70,000 could be looking at $ 8,400 bonuses.
There is an added twist. Even if families do not insurance, it can be if someone gets sick – because of the new bans would have the company prevent it, reporting on a cash pre-existing condition. Over 18 million people would prefer that the fines rather than fork over thousands for the insurance pay the invoice to a CMS study of the house.
The premiums could rise even more for most Americans
The calculations are to downward pressure on the rise in total health expenditure, place, would lower premiums. But a stew of the proposed changes to the insurance market, – How much you would save the average family size.
Insurance industry studies concluded the bill would increase premiums. Government officials are confident of failed savings for the people on the line.
But the lawmakers are eagerly awaiting the nonpartisan CBO, the examination of the impact on the premiums.
Grandma and Grandpa could lose out – and they vote
Obama insists Congress proposals for more than 400 billion U.S. dollars from the Medicare system trim houses, they stop Medicare patients. Congress could dial back the cuts, but such a step would the savings in the bill reduce promised.
And as the government reduced Medicare rebates Advantage, a program that seniors Medicare coverage private insurers would be able to buy, enrollment by 64 percent plunge.
Nancy-Ann DeParle, director of the White House Office of Health Reform, said POLITICO on Sunday that in 1997 enacted the Balanced Budget Amendment nor Medicare cuts, but "it was not what I would call a break in service to the beneficiaries. "
"We make sure insurance companies do not sock older Americans with higher premiums – so the legislature in provisions that the differences in costs between the young and old limit.
The House bill prevents insurance companies from charging customers more than double the earlier to pay as much as younger people. The Senate Finance bill allows a 4-to-1 differential.
The insurers argue that the limitation of the differential it means the cost must, by the premiums to cover young people – because older people to cover so much more expensive.
This could prevent younger seven times more because the industry is generally not a game, another political headache for the Democrats of possibly creating outrage elderly. "It is very difficult for someone to describe himself as a champion for older Americans … if at the same time they are willing to openly support discriminatory practices are based on age, "said Jim Dau, a spokesman for AARP, abolished the old shares or the differential will closed at no more than 2 to 1
Get You ready for the AMT, Part II?
As early as 1969, when reports of the super rich pay zero taxes were widespread, Congress created the alternative minimum tax to ensure that the rich pay their share. A small problem: Congress does not the tax to inflation, so now the "super rich" Getting Started the tax would have been the concerns of the rich do not keep up with the government to increase spending on health care costs – with good reason. A study by experts given the Peter G. Peterson Foundation commissioned recently predicted the House bill would exceed $ 1000000000000 to add the deficit over the next 20 years. But without indexation of the tax, they are leaving behind a ticking time bomb in the bill.
Better be patient: The most important advantages not kick in until 2013
and people had to wait for the emergency aid will be missing next.
"People would normally expect only if you pass a law, it would be
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