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Household income | Max % of income put toward premiums (ACA) | Max % of income put toward premiums (H.R. 5155) |
100%-133% FPL | 2.0% | 1.0% |
133%-200% FPL | 4.0% | 2.0% |
150%-200% FPL | 6.3% | 4.0% |
200%-250% FPL | 8.05% | 6.0% |
250%-300% FPL | 9.5% | 7.0% |
300%-400% FPL | 9.5 | 8.5% |
400% FPL and up | - | 8.5% |
Household income | Plan Generosity for CSR Plans (ACA) | Plan Generosity for CSR Plans (H.R. 5155) |
100%-150% FPL | 94% | 94% |
150%-200% FPL | 87% | 94% |
200%-250% FPL | 73% | 94% |
250%-400% FPL | - | 87% |
Great idea, more government messing around, more spending, more "free" stuff. Only one problem, or actually two - all this has to go through a GOP controlled Senate and get Trump's signature. What's Pelosi going to offer in return?Continuing on:
Premium relief through reinsurance
How it works today: The ACA had built-in mechanisms to stabilize the risk profile of marketplace shoppers and promote competition between insurers on performance (not on their prowess at cherry-picking healthy customers), some designed to be permanent and some designed to be temporary (through 2016) to help the exchanges get on their feet. The temporary programs in particular were disrupted by GOP attempts to sabotage them.
How it would change: The Dems would create a permanent reinsurance program for the marketplaces, providing some financial backstop against particularly high-cost individuals and thus removing some of those expenses from other customers’ premiums.
Several states have already moved to implement reinsurance at the state level and the results have been good. Some examples:
- Alaska sees 26 percent drop in health insurance rates
- Maryland ObamaCare rates set to decrease
- 2019 non-group health insurance premiums plunge in Minnesota
Fix the ‘family glitch’
How it works today: Premium subsidies in the marketplaces are only available to individuals and families who don’t get affordable coverage at work. That is, those who either don’t get health insurance through their jobs at all and those who are offered coverage at work that’s simply too expensive. However, employer insurance is deemed to be affordable if individual coverage meets the law’s affordability thresholds. But employer family plans themselves might not meet those thresholds even if an individual plan from that employer does—yet it doesn’t matter, a family in that circumstance can’t get a premium subsidy in the marketplaces.
How it would change: The affordability threshold for employer plans would be applied to both individual and family coverage. If that family coverage is unaffordable, the family can opt out and go out to shop in the exchanges with the appropriate premium tax credit.
Halt Trump Administration Actions to Drive Up Premiums for Those With Pre-Existing Conditions
These pieces would halt recent regulatory actions, preventing HHS from changing the rules around Association Health plans, disallowing the reintroduction of junk insurance plans, and preserving the requirement that insurance cover the essential health benefits.
To encourage competition, the Dem bill would require HHS to develop a standard benefit plan design to be sold alongside other plans. Several state-based exchanges already do this.
To reverse the attempts by certain GOP states and the current administration to discourage enrollment, the bill would reinvigorate the navigator program and support other outreach and educational activities regarding health insurance enrollment.
Supporting State Innovations
This would make funds available to states for activities to support and increase insurance enrollment, from exploring auto-enrollment (with opt-out) in the marketplaces to implementing state-level individual mandates, etc.
It would also open the door to states, if they so choose, taking back administration of their exchanges from the federally facilitated exchange most states now use.
How do the demorats propose to pay for these additional PPACA subsidy benefits?
They never worried about it before why would you ask how they would pay for it now?These people live on Rock Candy Mountain. Bottom line they can vote away in the House on any old thing they want but it isn't going anywhere accept sit on a shelf and collect dust.
We already know the House Dems' first vote in the new Congress will be to defend the ACA
We already know the House Dems' first vote in the new Congress will be to defend the ACA against the GOP lawsuit to end pre-existing condition protections. But what then?
Great idea, more government messing around, more spending, more "free" stuff. Only one problem, or actually two - all this has to go through a GOP controlled Senate and get Trump's signature. What's Pelosi going to offer in return?
Who's going to pay for this premium relief?
Yep. The taxpayers.
Don't care about that deficit anymore, do we?
Anyway, this won't get past the Senate...let alone the President.
Why are the Dems wasting their time?
Too late. The new tax law gutted Obamacare, thank God, and anything the House passes is dead on arrival in the Senate, thank God again.
IMO, a good strategy for Dems would be to force Republicans to vote 'No', on popular Democratic bills, so they can use their votes against them in 2020.
what popular bills would those be?
So I say, "Roll-out Medicaid For All, and be done with it!"
Why are the Dems wasting their time?
They never worried about it before why would you ask how they would pay for it now?
Great idea, more government messing around, more spending, more "free" stuff. Only one problem, or actually two - all this has to go through a GOP controlled Senate and get Trump's signature. What's Pelosi going to offer in return?
The GOP had Congress for two years and did not pass their own viable alternative..........
Who's going to pay for this premium relief?
Yep. The taxpayers.
Don't care about that deficit anymore, do we?
Anyway, this won't get past the Senate...let alone the President.
Why are the Dems wasting their time?
Who's going to pay for this premium relief?
Yep. The taxpayers.
Don't care about that deficit anymore, do we?
Anyway, this won't get past the Senate...let alone the President.
Why are the Dems wasting their time?
Obamacare was a horrible horrible law that threw people off their plans, and made other people accept plans with features they did not want. Obama LIED when he said you could keep your doctor. Why anybody would want to save that foul law is beyond me.
during the next Democratic majority, priority one should be Medicaid for all..........
Obamacare was a horrible horrible law that threw people off their plans, and made other people accept plans with features they did not want. Obama LIED when he said you could keep your doctor. Why anybody would want to save that foul law is beyond me.
During the Obama era, Medicare’s per-person spending barely budged, inching up only about 1 percent per year. That’s less than the rate of inflation, meaning that per-person Medicare costs, when adjusted for inflation, have been going down.
Published in the American Journal of Public Health, new data shows that infant mortality rates decreased in states that expanded Medicaid.
In Oregon, the rate of cardiac arrests happening outside of hospitals fell significantly after implementation of the Affordable Care Act and its expansion of health insurance coverage, researchers report.
Boston, MA - The Affordable Care Act's health coverage expansions have produced major improvements in medical care and health for low-income adults, including reduced out-of-pocket spending, better access to primary care and preventive services, improved self-reported health, and improved care for those with chronic conditions, according to a new study from Harvard T.H. Chan School of Public Health.
The implementation of the Affordable Care Act (ACA) in 2014 and subsequent Medicaid expansion correlate with earlier diagnosis of breast, colorectal, and lung cancer, according to a study being presented at the 2017 American Society of Clinical Oncology (ASCO) Annual Meeting in Chicago.
A new study finds that Medicaid expansion enacted as part of the Patient Protection and Affordable Care Act (ACA) improved coverage for care for cancer patients receiving radiation therapy and potentially decreased health care disparities. Analysis of more than 197,000 patient records from one of the nation’s largest cancer registries, which found that the uninsured rate for these vulnerable patients dropped by half in states that fully expanded their Medicaid programs, will be presented today at the American Society for Radiation Oncology’s (ASTRO’s) 59th Annual Meeting.
The gains in insurance coverage with the Patient Protection and Affordable Care Act (ACA) have already translated into improved health for young women with gynecologic cancers, who are getting diagnosed at earlier stages of their disease because of ACA benefits. That's the conclusion of a new study by researchers at Johns Hopkins Medicine, who looked at nationwide trends in gynecologic cancer diagnosis in a large population of women before and after the ACA's implementation in 2010.
Hospitals have cut down on deadly medical errors, saving around 87,000 lives since 2010, according to a new government report.
Thanks for taking the time & effort to post this. :thumbs:
Well, I'm all for it. As long as there's no mandate, I'm good. I have no idea how the insurers will manage without the mandate, but since I prefer single-payer anyway I'm fine with subsidizing American's healthcare for a start. But only for a start along the road to single-payer.
Honestly though, means tested benefits are all wrong in my opinion. If a benefit is deemed worthy, it should be made universal. Means tested benefits lead to fraud & disincentive. So I say, "Roll-out Medicaid For All, and be done with it!"
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