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10 Ways Healthcare Reform will affect you

rightwinger

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1. Your Kids are Covered

Starting this year, if you have an adult child who cannot get health insurance from his or her employer and is to some degree dependent on you financially, your child can stay on your insurance policy until he or she is 26 years old. Currently, many insurance companies do not allow adult children to remain on their parents' plan once they reach 19 or leave school.

2. You Can't be Dropped

Starting this fall, your health insurance company will no longer be allowed to "drop" you (cancel your policy) if you get sick. In 2009, "rescission" was revealed to be a relatively common cost-cutting practice by several insurance companies. The practice proved to be common enough to spur several lawsuits; for example, in 2008 and 2009, California's largest insurers were made to pay out more than $19 million in fines for dropping policyholders who fell ill.

3. You Can't be Denied Insurance


Starting this year your child (or children) cannot be denied coverage simply because they have a pre-existing health condition. Health insurance companies will also be barred from denying adults applying for coverage if they have a pre-existing condition, but not until 2014.

4. You Can Spend What You Need to

Prior to the new law, health insurance companies set a maximum limit on the monetary amount of benefits that a policyholder could receive. This meant that those who developed expensive or long-lasting medical conditions could run out of coverage. Starting this year, companies will be barred from instituting caps on coverage.

5. You Don't Have to Wait

If you currently have pre-existing conditions that have prevented you from being able to qualify for health insurance for at least six months you will have coverage options before 2014. Starting this fall, you will be able to purchase insurance through a state-run "high-risk pool", which will cap your personal out-of-pocket expenses for healthcare. You will not be required to pay more than $5,950 of your own money for medical expenses; families will not have to pay any more than $11,900.

6. You Must be Insured

Under the new law starting in 2014, you will have to purchase health insurance or risk being fined. If your employer does not offer health insurance as a benefit or if you do not earn enough money to purchase a plan, you may get assistance from the government. The fines for not purchasing insurance will be levied according to a sliding scale based on income. Starting in 2014, the lowest fine would be $95 or 1% of a person's income (whichever is greater) and then increase to a high of $695 or 2.5% of an individual's taxable income by 2016. There will be a maximum cap on fines.

7. You'll Have More Options

Starting in 2014 (when you will be required by law to have health insurance), states will operate new insurance marketplaces - called "exchanges" - that will provide you with more options for buying an individual policy if you can't get, or afford, insurance from your workplace and you earn too much income to qualify for Medicaid. In addition, millions of low- and middle-income families (earning up to $88,200 annually) will be able to qualify for financial assistance from the federal government to purchase insurance through their state exchange.

8. Flexible Spending Accounts Will Become Less Flexible

Three years from now, flexible spending accounts (FSAs) will have lower contribution limits - meaning you won't be able to have as much money deducted from your paycheck pre-tax and deposited into an FSA for medical expenses as is currently allowed. The new maximum amount allowed will be $2,500. In addition, fewer expenses will qualify for FSA spending. For example, you will no longer be able to use your FSA to help defray the cost of over-the-counter drugs.

9. If You Earn More, You'll Pay More

Starting in 2018, if your combined family income exceeds $250,000 you are going to be taking less money home each pay period. That's because you will have more money deducted from your paycheck to go toward increased Medicare payroll taxes. In addition to higher payroll taxes you will also have to pay 3.8% tax on any unearned income, which is currently tax-exempt.

10. Medicare May Cover More or Less of Your Expenses

Starting this year, if Medicare is your primary form of health insurance you will no longer have to pay for preventive care such as an annual physical, screenings for treatable conditions or routine laboratory work. In addition, you will get a $250 check from the federal government to help pay for prescription drugs currently not covered as a result of the Medicare Part D "doughnut hole".

However, if you are a high-income individual or couple (making more than $85,000 individually or $170,000 jointly), your prescription drug subsidy will be reduced. In addition, if you are one of the more than 10 million people currently enrolled in a Medicare Advantage plan you may be facing higher premiums because your insurance company's subsidy from the federal government is going to be dramatically reduced


10-ways-the-new-healthcare-bill-may-affect-you: Personal Finance News from Yahoo! Finance
 
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rightwinger

rightwinger

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Come on Republicans...

Run in November on Repealing Healthcare!
 

WillowTree

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and best of all if you're a democwat you can sit on the porch and let somebody pay your way..
 

boedicca

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You forgot:

- Your wages may be cut or you may see very little or no income growth.

- Your employer will most likely drop your current insurance and force you into ObamaCare.

- You may lose your job as your company cuts expenses to cover for the additional tax burden of ObamaCare.
 

bucs90

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- Companies WILL cut payroll and raises. Jobs will be lost.
- People's taxes will go up.
- Healthcare rationing will become severe. Supply and demand.


This disaster is like Hurricane Katrina while it was still sitting in the Gulf.
 

mudwhistle

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1. Your Kids are Covered

Starting this year, if you have an adult child who cannot get health insurance from his or her employer and is to some degree dependent on you financially, your child can stay on your insurance policy until he or she is 26 years old. Currently, many insurance companies do not allow adult children to remain on their parents' plan once they reach 19 or leave school. Already covered in other legislation

2. You Can't be Dropped

Starting this fall, your health insurance company will no longer be allowed to "drop" you (cancel your policy) if you get sick. In 2009, "rescission" was revealed to be a relatively common cost-cutting practice by several insurance companies. The practice proved to be common enough to spur several lawsuits; for example, in 2008 and 2009, California's largest insurers were made to pay out more than $19 million in fines for dropping policyholders who fell ill. Wonder why California is going broke and losing jobs.

3. You Can't be Denied Insurance


Starting this year your child (or children) cannot be denied coverage simply because they have a pre-existing health condition. Health insurance companies will also be barred from denying adults applying for coverage if they have a pre-existing condition, but not until 2014. I'm more concerned with adults who need this coverage. Why the fuck is it only focused on children? Answer: Because they're perfect if you want to tell a SOB story because they're so cute. Who gives a fuck about the elderly. Right?

4. You Can Spend What You Need to

Prior to the new law, health insurance companies set a maximum limit on the monetary amount of benefits that a policyholder could receive. This meant that those who developed expensive or long-lasting medical conditions could run out of coverage. Starting this year, companies will be barred from instituting caps on coverage. This is a good thing...but will lead to abuse

5. You Don't Have to Wait

If you currently have pre-existing conditions that have prevented you from being able to qualify for health insurance for at least six months you will have coverage options before 2014. Starting this fall, you will be able to purchase insurance through a state-run "high-risk pool", which will cap your personal out-of-pocket expenses for healthcare. You will not be required to pay more than $5,950 of your own money for medical expenses; families will not have to pay any more than $11,900. So...how they gonna pay for this...it seems this burdens states...which explains why several states wanted an exemption from this bill

6. You Must be Insured

Under the new law starting in 2014, you will have to purchase health insurance or risk being fined. If your employer does not offer health insurance as a benefit or if you do not earn enough money to purchase a plan, you may get assistance from the government. The fines for not purchasing insurance will be levied according to a sliding scale based on income. Starting in 2014, the lowest fine would be $95 or 1% of a person's income (whichever is greater) and then increase to a high of $695 or 2.5% of an individual's taxable income by 2016. There will be a maximum cap on fines. So 30% of your paycheck will go to health insurance or you will pay a fine or your employer will pay a fine which means a flush of layoffs in the next year.

7. You'll Have More Options

Starting in 2014 (when you will be required by law to have health insurance), states will operate new insurance marketplaces - called "exchanges" - that will provide you with more options for buying an individual policy if you can't get, or afford, insurance from your workplace and you earn too much income to qualify for Medicaid. In addition, millions of low- and middle-income families (earning up to $88,200 annually) will be able to qualify for financial assistance from the federal government to purchase insurance through their state exchange. Problem is you'll have fewer options because hidden government regulations will render insurance companies insolvent...forcing them out of business which will lead to higher premiums and more demonizing by Obama. Eventually a total government takeover.

8. Flexible Spending Accounts Will Become Less Flexible

Three years from now, flexible spending accounts (FSAs) will have lower contribution limits - meaning you won't be able to have as much money deducted from your paycheck pre-tax and deposited into an FSA for medical expenses as is currently allowed. The new maximum amount allowed will be $2,500. In addition, fewer expenses will qualify for FSA spending. For example, you will no longer be able to use your FSA to help defray the cost of over-the-counter drugs. Yet another indication that the Democrats are trying to put private insurance companies out of business.

9. If You Earn More, You'll Pay More

Starting in 2018, if your combined family income exceeds $250,000 you are going to be taking less money home each pay period. That's because you will have more money deducted from your paycheck to go toward increased Medicare payroll taxes. In addition to higher payroll taxes you will also have to pay 3.8% tax on any unearned income, which is currently tax-exempt. Which seems to blow number 8 out of the friggen water...don't you think?

10. Medicare May Cover More or Less of Your Expenses

Starting this year, if Medicare is your primary form of health insurance you will no longer have to pay for preventive care such as an annual physical, screenings for treatable conditions or routine laboratory work. In addition, you will get a $250 check from the federal government to help pay for prescription drugs currently not covered as a result of the Medicare Part D "doughnut hole".

However, if you are a high-income individual or couple (making more than $85,000 individually or $170,000 jointly), your prescription drug subsidy will be reduced. In addition, if you are one of the more than 10 million people currently enrolled in a Medicare Advantage plan you may be facing higher premiums because your insurance company's subsidy from the federal government is going to be dramatically reduced. I love it...class warfare at it's best. This will force the price of private insurance even further up.


10-ways-the-new-healthcare-bill-may-affect-you: Personal Finance News from Yahoo! Finance

Yeah...this is gonna work...:cuckoo:
 

PatekPhilippe

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You forgot something rw...none of this bullshit happens until 2014...what does that mean...the Law is going to break the back of America just like it did in Britain and Canada...which this system is modeled on.

and what kind of benefit is this....

Sending senior citizens a $250 bribe so they vote positively in the Gallup polls.....Obama may be President...but he's only President to the 21% kooks who support him.
 

sole survivor

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None of that helps me. I was already helping myself.

A few years ago my girlfriend was putting her son through college. She kept him insured until he graduated. I think he was 23 or 24.

You bought this bag of BS goods chicken little sold ya

enjoy
 

PatekPhilippe

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1. Your Kids are Covered

Starting this year, if you have an adult child who cannot get health insurance from his or her employer and is to some degree dependent on you financially, your child can stay on your insurance policy until he or she is 26 years old. Currently, many insurance companies do not allow adult children to remain on their parents' plan once they reach 19 or leave school.

As usual...not telling the whole story.....First off if your kid was employed by a company and was offered health insurance...BUT TURNED IT DOWN...they ARE NOT ELIGIBLE to be on their parents policy.....and magically...if their eligible kids want to be on their parents healthcare...their insurance costs just went up 400 dollars a month MINIMUM!!!...what does this number add up to? 1/3 of people in their 20's are ineligible.

Greta fucking deal..for the DUPED!!!!
 

boedicca

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Why does it benefit society to infantalize adults by keeping them dependent upon their parent until they mid 20s?
 

PatekPhilippe

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Why does it benefit society to infantalize adults by keeping them dependent upon their parent until they mid 20s?

Libtard logic: "Here you go...you get a trophy for coming in 12th place....We still love you even though your a fricken loser....Feel better now?" :lol: :lol: :lol:
 
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It's gonna cost thousand (possibly more than thousands) of jobs. Yay! All those evil corporations will have to leave the country.
 
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ihopehefails

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Come on Republicans...

Run in November on Repealing Healthcare!

A better strategy is to have an opt-out clause to this whole thing that way states where this is popular can retain them and a republican can't be accused of taking away this program from that state. At the same time they can campaign in the 37 states that have nullification bills and win hands down. I bet this scares the hell out of you because you don't like others deciding for themselves how they want to live and have the laws that they want to live undeer but that is your problem and not mine.
 
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ihopehefails

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I find the concept of adult children offensive because Einstein came up with the theory of relativity at 25 and he would have been considered an adult child.

Also, this will become a burden on parents with grown up children 18+ who don't have health insurance because insurance companies will charge them more to cover that uninsured offspring who is an adult that chose not to have health insurance. This means that employers will have to ask if you have children under the age of 26 and if they are insured. The employer will then have to verify that which means a further invasion of privacy to that 'adult child'
 

Harry Dresden

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i cant wait.....im going to soak this for everything i can get.....why not, the Illegals that live around me do it....and will do it even more with this bill.....so hey if im paying in.....I WANT MY CUT.....and it had better be as good or better then what i have now....
 

Gatekeeper

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And..........the wife just told me they have a meeting this coming Wednesday about her insurance plan......... and we're only two people on the plan,here comes the BS, we just got a $250/MONTH increase last year and now are paying $25 and $50 PER Drug and a lot less $10 co-pays for each one.

Yup gonna cost us less.........I'll keep ya's updated.
 

boedicca

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Don't forget to include the extra you will also have to pay for the CLASS ACT:

While Congress spent the last year debating how to provide health insurance for the uninsured, a little-known provision slipped into the heath care law that could cost some Americans upwards of $2,000 a year.

The Class Act, otherwise known as the Community Living Assistance Services and Support Act, is the federal government's first long-term care insurance program.

Under-reported and the under the radar of most lawmakers, the program will allow workers to have an average of roughly $150 or $240 a month, based on age and salary, automatically deducted from their paycheck to save for long-term care.

The Congressional Budget Office expects the government will collect $109 billion in premiums by 2019.

Supporters say the program will relieve pressure on Medicaid and should help keep us out of nursing homes by enabling Americans to save for something most will eventually need -- assistance in eating, bathing or dressing in their old age.

Opponents say the provision is little more than a short-term revenue fix that will eventually add to the federal ...


FOXNews.com - Little-Known Health Care Law Provision Is a Budget Buster, Critics Say
 

PatekPhilippe

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i cant wait.....im going to soak this for everything i can get.....why not, the Illegals that live around me do it....and will do it even more with this bill.....so hey if im paying in.....I WANT MY CUT.....and it had better be as good or better then what i have now....

Sorry pal...Obama's going to soak your ass for the next 3 years before you get a single benefit from this....:lol:....but the libtards think that's GREAT!!!!!
 

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