Health care passes

[Spark]

Obama's Health Care Promises Reach Their Expiration Date Early - Jim Geraghty





Everybody, sing along! "All statements from Barack Obama come with an expiration date. All of them."

So True!!!!!

[Spark]

10 Ways the New Healthcare Bill May Affect You
by Katie Adams
Friday, March 26, 2010
provided by


The Patient Protection and Affordable Healthcare Act, more commonly referred to as the "healthcare bill", has taken over a year to craft and has been a lightning rod for political debate because it effectively reshapes major facets of the country's healthcare industry.

Here are 10 things you need to know about how the new law may affect you:


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 ************ 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 ************ 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.

Conclusion

Over the next few months you will most likely receive information in the mail from your health insurance company about how the newly signed law will affect your coverage. Read the correspondence carefully and don't hesitate to ask questions about your policy; there may be new, more affordable options for you down the road.

[baseballdave]

I agree kid .. so I have decided to delete and edit all bashing .. Let them knock themselves out writing all they want just to have me delete it

Damn, how many sections are you two in ??

[baseballdave]

Man we have a bunch of babies on here. Everybody will get what they deserve in the end. Anybody can name call. If you are a assh*le, you will pay in the end. HAHA.

Well, I guess "you will pay in the end" cause you are DEFINITELY an asshole.

[vols fan]

He will not be allowed in this thread anymore ... that's for sure

I went back and looked at his 22 posts and he is a big GoldenGreek fan.Maybe he's still holding a grudge against me for all that shit I said to Greek a while back.Hell,if Greek can forgive me why can't that guy

[Spark]

It's all good JC.That fool should never be allowed on a computer again.

He will not be allowed in this thread anymore ... that's for sure

[vols fan]

You know i dont want that for you or your wife, specially the fact that she is a hot women and once your out of the way i can move back to Georgia and get me a Georgia peach again

It's all good JC.That fool should never be allowed on a computer again.

[vols fan]

Man we have a bunch of babies on here. Everybody will get what they deserve in the end. Anybody can name call. If you are a assh*le, you will pay in the end. HAHA.

You have serious issues.Did you just recently lose your job or something? Take it out on me if it makes you feel better but you come out of the blue and start wishing bad things on people and then bring up Karma and shit like this last post. Just makes no sense to me

[vols fan]

Hey vols fan, Karma a bitch. Watch out for your future.

I believe in Karma and if something happens to me today it won't be because of something I said to you or anyone else on here I can promise you that. You came on here and singled me and my wife out so go fuck off and I would watch out for my future if I were you cause your the one taking shots.

[codyp]

Man we have a bunch of babies on here. Everybody will get what they deserve in the end. Anybody can name call. If you are a assh*le, you will pay in the end. HAHA.

[jcindaville]

Tell em KB

Hope all is well bro, didnt get my care package for the home and home. Nex left this morning but he is going to be back on Easter so you have time still

[jcindaville]

Freedom of speech and wishing someone loses there job is two different things though. I was stunned when I read that

I hope you realize i wasnt laughing at you when i was laughing at that guys post. I was shocked that someone out of no where would post that, it made me just fucking LOL.

You know i dont want that for you or your wife, specially the fact that she is a hot women and once your out of the way i can move back to Georgia and get me a Georgia peach again

[jcindaville]

Hold up dude!!!!!!!!!! What happened to our freedom of speech!!!!! You have to admit, this shit is so funny I can't get upset anymore!!!!! I just laugh.....

I have been laughing my ass off too buddy, these guys are cracking me up with all of this.

The thing is the funniest, is no one on here is going to CHANGE ANYONES mind or how they vote!!!!!!

Either you are conservative, or liberal, never seen anyone change the way they think or vote.

So all of this name calling and hatred and time wasting cracks me up, I LOVE these threads. Very entertaining

[Stern162]

Hey cody, go fuck yourself

[Jamaicanman]

Hey vols fan, Karma a bitch. Watch out for your future.

Wow, the liberals on this board are really on the attack.