how would the u.s. house’s healthcare reform affect you?

How Would the U.S. House’s Healthcare Reform Affect You?

In any circumstance…

All plans must cover preventative care!

Insurers can’t:- charge you anything for preventative care- drop you or charge you more in premiums if you’re sick- limit how much care you can get in a year or lifetime.*- spend less than 85% of their $ on healthcare!


You will never have to spend over $5,000 (single) or $10,000 (family) annually out-of-pocket on healthcare.

Your taxes won’t rise to pay for bill unless you make over $500,000 (single) or $1,000,000 (together with spouse).


Your employer must play or pay if their payroll is at least $500,000/yr!

- must give you a healthcare plan and cover 72.5% (single plan) or 65% (family plan) of premiums

OR

- must pay government 2 to 8% of their payroll

You can stay on your parent’s plan until age 27.

Insurers can’t:- charge you more for the same coverage as men- drop your coverage or raise your rates because you’ve been pregnant, had c-section, or abused

If you have good healthcare benefits

negotiated through your union…

You can keep your doctor and your plan.

Your premiums should stop increasing so fast, because 36 million uninsured will get health insurance. - $1,017: what insured family spends a year for uninsured care on average- $368: what insured individual pays

Should cost your employer less to continue providing those benefits

You can keep your doctor and your plan.

Your premiums should stop increasing so fast, because 36 million uninsured will get health insurance. - $1,017: what insured family spends a year for uninsured care on average- $368: what insured individual pays

Should cost government less to continue providing those benefits

If you are a federal employee …

It will be easier for you to shop for health insurance on your own. “The Exchange” compares price of private plans and their benefits for you.

If you have trouble getting healthcare…

It will cost less to get health insurance on your own. Through “The Exchange,” you can buy a private plan…

- will have to compete with “public option”- you’ll join others in larger pool = more bargaining power

Or you can get the “public option.”- covers private doctors and hospitals- you pay for it


You’ll get help to pay for your healthcare costs.

- doesn’t matter whether you get insurance on your own or from employer*- employer doesn’t make more than - can’t make more than 400% of the federal poverty line- can’t be on Medicaid or Medicare


Family of 5. Income of $60,000 / yr Your premiums will never be more $4,800 / yr (or $400 a month) You won’t have to spend any more than $4,000 / yr on other healthcare expenses


You can get Medicaid if you don’t make more than 150% of federal poverty line. For 2009…

- $16,245 as an individual- $21,855 as a family of 2- $27,465 as a family of 3- $33,075 as a family of 4- $38,685 as a family of 5- $44,295 as a family of 6

If you really struggle to pay the bills…

You have more options for coverage You get more out of coverage once you have it Your taxes are NOT going up Employers must pay or play Your costs are under control

more competition fewer uninsured help to low- and middle-income

RECAP

QUESTIONS?

how would the u.s. house’s healthcare reform affect you?

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