Can you please simplify this for me? Bullets would be make things alot easier.
Advantages: More people will have health care.
Disadvantages: As always, it's the middle class who'll get stuck paying for most of it.
Main advantages are that more people will be able to get healthcare, especially people who couldn't get it before. Maybe they couldn't get it due to pre existing conditions or maybe because their income was too high for Medicaid but they couldn't afford to buy insurance or maybe their workplace didn't offer insurance. Now though, denying people based on pre existing conditions is banned, income guidelines are expanded to get medicaid, tax credits will be available to help pay premiums.
Disadvantages are mostly that people will be required to have insurance or face a fine. Taxes will be higher, insurance companies will face more restrictions, and businesses with 50 or more employees will be required to offer health insurance to their workers.
Disadvantages: The health insurance companies are screwed, which is a good thing. Their billions in lobbying $$ did no good for them And people who make over $200,000 will pay a slightly higher medicare tax; the middle class will not pay a dime.
Advantages for us:
You can stay on your parents health insurance until you're 26 (even if you're not in college full-time)
You can not be denied care for a pre-existing condition
PCP and General Surgeons will get bonuses (because they make less$ than specialists and less are going to school to be them; hopefully this will stp nurse practitioners from taking over primary care)
Health Insurance companies will basically have more stringent policies that they must abide by
They also added a 10% tax on UV-tanning beds (which is kind of smart) since people may develop skin cancer if they choose to tan artifically
Nothing about this bill is bad for the general middle class person, it stinks for insurance companies and it is sad that some people do not actually know what this bill but they protest it when it is actually a great thing for this country. One day when someone in their family gets sick and has health care because of this, they will realize it.
This year, children with pre-existing conditions can no longer be denied health insurance coverage. Once the new health insurance exchanges begin in the coming years, pre-existing condition discrimination will become a thing of the past for everyone.
This year, health care plans will allow young people to remain on their parents' insurance policy up until their 26th birthday.
This year, insurance companies will be banned from dropping people from coverage when they get sick, and they will be banned from implementing lifetime caps on coverage. This year, restrictive annual limits on coverage will be banned for certain plans. Under health insurance reform, Americans will be ensured access to the care they need.
This year, adults who are uninsured because of pre-existing conditions will have access to affordable insurance through a temporary subsidized high-risk pool.
In the next fiscal year, the bill increases funding for community health centers, so they can treat nearly double the number of patients over the next five years.
This year, we'll also establish an independent commission to advise on how best to build the health care workforce and increase the number of nurses, doctors and other professionals to meet our country's needs. Going forward, we will provide $1.5 billion in funding to support the next generation of doctors, nurses and other primary care practitioners -- on top of a $500 million investment from the American Recovery and Reinvestment Act.
Health insurance reform will also curb some of the worst insurance industry practices and strengthen consumer protections: