‘Access to Insurance for all Americans Act’ - affordable...cheap...

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kokonut

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Here's a bill that's two pages long called "Access to Insurance for all Americans Act." This bill mandates on providing to Americans access to the same Health Care that members of Congress have. It would provide Americans access to over 300 Private Health Care Providers at affordable rates, without respect to pre-existing conditons.

GovTrack: H.R. 3438: Text of Legislation, Introduced in House

Who would want the same affordable rates that Congress members get?
 
Is this what you're referring to? Source is the GOP website.
Republicans believe there are a number of potential areas for common ground to work with President Obama to improve health care for all Americans. Republicans are promoting commonsense reforms that make health care more affordable, reduce the number of uninsured Americans, and increase quality at a price our country can afford---while making sure that Americans who like their health care coverage can keep it.



Making Health Care More Affordable for All Americans:
More Americans will gain access to quality health care once its costs are brought under control. The first step in lowering health care costs is to eliminate the unnecessary over-spending in our current system.

To lower the costs of health care, the Republican plan increases fairness in the tax code by extending tax savings to those who currently do not have employer-provided insurance but purchase health insurance on their own. This provision would provide an "above the line" deduction that is equal to the cost of an individual's or family's insurance premiums. The plan also provides immediate substantial financial assistance, through new refundable and advanceable tax credits, to low- and modest-income Americans.

The Republican alternative recognizes that many Americans who have not yet hit retirement age but may be changing jobs or have lost a job often face higher health care costs. To help those aged 55 to 64, the plan increases support for pre- and early-retirees with low- and modest-incomes.

The plan also recognizes that one of the largest obstacles for many small businesses when it comes to retaining current employees or creating new jobs is the cost of health insurance. The plan allows states, small businesses, associations, and other organizations to band together and offer health insurance at lower costs.

The GOP alternative implements comprehensive medical liability reform that will reduce costly, unnecessary defensive medicine practiced by doctors trying to protect themselves from overzealous trial lawyers. Additionally, it provides Medicare and Medicaid with additional authority and resources to stop waste, fraud, and abuse that costs taxpayers billions of dollars every year.

This plan creates incentives to save now for future and long-term health care needs by improving health savings accounts and flexible spending arrangements as well as creating new tax benefits to offset the cost of long-term care premiums. It also gives financial help to caregivers who provide in-home care for a loved one.



Making Health Care More Available & Accessible for All Americans:
The Republican plan reduces the number of uninsured Americans by wisely targeting this population and helping Americans keep health care coverage regardless of a change in or loss of a job.

The alternative makes it easier for Americans to keep health care coverage regardless of a change in or loss of a job. In order to increase accessibility, the plan encourages states to create a Universal Access Program by establishing and/or reforming existing programs to guarantee all Americans, regardless of pre-existing conditions or past illnesses, have access to affordable coverage.

The GOP alternative strengthens employer-provided health coverage by helping the 10 million uninsured Americans who are eligible, but not enrolled in, an employer-sponsored plan get health care coverage. The plan does this by encouraging employers to move to opt-out, rather than opt-in rules. Furthermore, small businesses will be encouraged to offer health care coverage to their workers by reducing their administrative costs through a new small business tax credit.

Recognizing that not all high school and college graduates are able to find a job that offers health care coverage after graduation, the Republican solution would allow dependents to remain on their parents' health policies up to the age of 25. The number of uninsured Americans could be reduced by up to 7 million.

The Republican alternative provides flexibility to Medicaid and SCHIP beneficiaries by allowing them to apply the value of their benefit to a health plan that better meets their needs than the one-size-fits-all government program.
 
Pay particular attention to the following sections:

‘SEC. 8923. CONTRACT REQUIREMENT.

‘(a) For each calendar year, the Office shall enter into a contract with 1 or more carriers to make available 1 or more health benefits plans (subject to the provisions of this chapter) to eligible individuals under this chapter.

‘(b) In carrying out this section, the Office may require 1 or more carriers to enter into a contract described in subsection (a), as a condition of entering into a contract under section 8902.

‘SEC. 8924. ELIGIBILITY OF NON-FEDERAL EMPLOYEES.

‘(a) Except as provided under subsection (b), any individual may enroll in a health benefits plan under this section.

‘(b) An individual may not enroll in a health benefits plan under this chapter if the individual--

‘(1) is enrolled or eligible to enroll for coverage under a public health insurance program, including--

‘(A) title XVIII of the Social Security Act;

‘(B) a State plan under title XIX of the Social Security Act;

‘(C) a State plan under title XX of the Social Security Act; or

‘(D) any other program determined by the Office;

‘(2) is enrolled or eligible to enroll in a plan under chapter 89; or

‘(3) is a member of the uniformed services as defined under section 101(a)(5) of title 10.

‘SEC. 8925. ALTERNATIVE CONDITIONS TO FEDERAL EMPLOYEE HEALTH BENEFITS PLANS.

‘(a) Rates charged and premiums paid for a health benefits plan under this chapter may differ between or among geographic regions.

‘(b) No Government contribution shall be made for any individual under this chapter.

‘(c) In the administration of this chapter, the Office shall ensure that individuals covered under this chapter shall be in a risk pool that is separate from the risk pool maintained for individuals covered under chapter 89.’.

‘SEC. 224. PREMIUMS PAID FOR FEHBP COVERAGE.

‘(a) In General- In the case of an individual, there shall be allowed as a deduction an amount equal to the amount paid as premiums during the taxable year for coverage for the taxpayer, his spouse, and dependents under health insurance provided pursuant to chapter 89A of title 5, United States Code.

‘(b) Special Rules-

‘(1) COORDINATION WITH MEDICAL DEDUCTION, ETC- Any amount paid by a taxpayer for insurance to which subsection (a) applies shall not be taken into account in computing the amount allowable to the taxpayer as a deduction under section 162(l) or 213(a). Any amount taken into account in determining the credit allowed under section 35 shall not be taken into account for purposes of this section.

‘(2) DEDUCTION NOT ALLOWED FOR SELF-EMPLOYMENT TAX PURPOSES- The deduction allowable by reason of this section shall not be taken into account in determining an individual’s net earnings from self-employment (within the meaning of section 1402(a)) for purposes of chapter 2.’.

(b) Deduction Allowed in Computing Adjusted Gross Income- Subsection (a) of section 62 of such Code is amended by inserting before the last sentence the following new paragraph:

‘(22) PREMIUMS PAID FOR FEHBP COVERAGE- The deduction allowed by section 224.’.

(c) Clerical Amendment- The table of sections for part VII of subchapter B of chapter 1 of such Code is amended by redesignating the item relating to section 224 as an item relating to section 225 and inserting before such item the following new item:

‘Sec. 224. Premiums paid for FEHBP coverage.’.

(d) Effective Date- The amendments made by this section shall apply to taxable years ending after the date of the enactment of this Act.
 
Pay particular attention to the following sections:

‘SEC. 8923. CONTRACT REQUIREMENT.

‘(a) For each calendar year, the Office shall enter into a contract with 1 or more carriers to make available 1 or more health benefits plans (subject to the provisions of this chapter) to eligible individuals under this chapter.

‘(b) In carrying out this section, the Office may require 1 or more carriers to enter into a contract described in subsection (a), as a condition of entering into a contract under section 8902.

‘SEC. 8924. ELIGIBILITY OF NON-FEDERAL EMPLOYEES.

‘(a) Except as provided under subsection (b), any individual may enroll in a health benefits plan under this section.

‘(b) An individual may not enroll in a health benefits plan under this chapter if the individual--

‘(1) is enrolled or eligible to enroll for coverage under a public health insurance program, including--

‘(A) title XVIII of the Social Security Act;

‘(B) a State plan under title XIX of the Social Security Act;

‘(C) a State plan under title XX of the Social Security Act; or

‘(D) any other program determined by the Office;

‘(2) is enrolled or eligible to enroll in a plan under chapter 89; or

‘(3) is a member of the uniformed services as defined under section 101(a)(5) of title 10.

‘SEC. 8925. ALTERNATIVE CONDITIONS TO FEDERAL EMPLOYEE HEALTH BENEFITS PLANS.

‘(a) Rates charged and premiums paid for a health benefits plan under this chapter may differ between or among geographic regions.

‘(b) No Government contribution shall be made for any individual under this chapter.

‘(c) In the administration of this chapter, the Office shall ensure that individuals covered under this chapter shall be in a risk pool that is separate from the risk pool maintained for individuals covered under chapter 89.’.

‘SEC. 224. PREMIUMS PAID FOR FEHBP COVERAGE.

‘(a) In General- In the case of an individual, there shall be allowed as a deduction an amount equal to the amount paid as premiums during the taxable year for coverage for the taxpayer, his spouse, and dependents under health insurance provided pursuant to chapter 89A of title 5, United States Code.

‘(b) Special Rules-

‘(1) COORDINATION WITH MEDICAL DEDUCTION, ETC- Any amount paid by a taxpayer for insurance to which subsection (a) applies shall not be taken into account in computing the amount allowable to the taxpayer as a deduction under section 162(l) or 213(a). Any amount taken into account in determining the credit allowed under section 35 shall not be taken into account for purposes of this section.

‘(2) DEDUCTION NOT ALLOWED FOR SELF-EMPLOYMENT TAX PURPOSES- The deduction allowable by reason of this section shall not be taken into account in determining an individual’s net earnings from self-employment (within the meaning of section 1402(a)) for purposes of chapter 2.’.

(b) Deduction Allowed in Computing Adjusted Gross Income- Subsection (a) of section 62 of such Code is amended by inserting before the last sentence the following new paragraph:

‘(22) PREMIUMS PAID FOR FEHBP COVERAGE- The deduction allowed by section 224.’.

(c) Clerical Amendment- The table of sections for part VII of subchapter B of chapter 1 of such Code is amended by redesignating the item relating to section 224 as an item relating to section 225 and inserting before such item the following new item:

‘Sec. 224. Premiums paid for FEHBP coverage.’.

(d) Effective Date- The amendments made by this section shall apply to taxable years ending after the date of the enactment of this Act.

I haven't read all of what you posted but already I can see that the Act won't be available to all Americans. What Kokonut talked about sounded too good to be true.
 
It's a bonafide bill in Congress. Have you read the bill?

Now, again, does this sound like a good idea as a starting point for non-Federal employees who are working? Yes or no?
 
Ya know, Obama always mention about the middle class, the middle class, the middle class.

Not once have I heard him mentioning about the poor class. So where does that leave us? If you're talking about affordability, just how much are we talking about?

I am of the poor class, so can I afford it?

Yiz
 
I haven't read all of what you posted but already I can see that the Act won't be available to all Americans. What Kokonut talked about sounded too good to be true.

Exactly. Nor is it private insurance. It is contracted for with the federal government, which makes it a federally subsidized program.
 
Ya know, Obama always mention about the middle class, the middle class, the middle class.

Not once have I heard him mentioning about the poor class. So where does that leave us? If you're talking about affordability, just how much are we talking about?

I am of the poor class, so can I afford it?

Yiz

You wouldn't even be eligible.
 
It's a bonafide bill in Congress. Have you read the bill?

Now, again, does this sound like a good idea as a starting point for non-Federal employees who are working? Yes or no?

Numerous bills in congress never see the light of day.
 
Figure that. Can you explain why? Curious mind wants to know.

Yiz

It is all there in the link that Kokonut posted. If you are eligible under any other program for insurance coverage, you will not be eligible for the coverage contained in this bill.

Not so much of a solution after all, huh? And this is a conservative proposal, not one contained in Obama's proposals.
 
From the link:

Among the advantages: a choice of 10 healthcare plans that provide access to a national network of doctors, as well as several HMOs that serve each member's home state. By contrast, 85% of private companies offering health coverage provide their employees one type of plan -- take it or leave it.

Here's the contradiction: Bill specifically states that the government will contract with 1 or 2 providers to intiate this care, not 10. So is it the same as Federal lawmakers have available? The answer is no.

From the link:

Generous plans are available in private industry. But the federal coverage far surpasses that enjoyed by 70 million Americans who are underinsured and at financial risk in the event of a major health crisis -- not to mention the estimated 46 million who have no medical insurance.

"For the average worker, the Federal Employees Health Benefits Plan would probably look quite attractive," said Pete Sepp, a spokesman for the National Taxpayers Union, a pinch-penny advocacy group.

Here's the contradiction: The average employee would not be eligible under the bill.

Make sure to read throroughly. Actually what the article is stating is there there is a huge disconnect between coverage that is available to the average American, and coverage available to lawmakers. That certainly isn't news. The bill referenced in this thread does nothing to address those inequities.

Just one more case of the guy with the puppet on his right hand, saying look over here, look over here. Look the other direction. That is where the sucker punch comes from.
 
Why Democrats Are Losing on Health Care
They won't debate the proper role of government.

What's dragging the Democrats down in the health-care debate isn't confusion about details. On this the president and his supporters have proven themselves the ablest of technocrats, easily identifying each plan's particulars and its shortcomings, laying everything out on nice flow charts.

It is the big questions that are tripping them up. Concerns about the size and role of government are what seem to leave reformers stammering and speechless in town-hall meetings. The right wants to have a debate over fundamental principles; elected Democrats seem incapable of giving it to them.

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Reuters
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And in the silence, some lousy ideas have flourished. If universal health insurance goes down to defeat again this year, Democrats will have to live with the shame not only of having failed to enact their No. 1 priority, but also of having been beaten by arguments that a novice debater would have no trouble putting down.

Consider the assertion, repeated often in different forms, that health insurance is a form of property, a matter of pure personal responsibility. Those who have insurance, the argument goes, have it because they've played by the rules. Sure, insurance is expensive, but being prudent people, they recognized that they needed it, and so they worked hard, chose good employers, and got insurance privately, the way you're supposed to.

Those who don't have what they need, on the other hand, should have thought of that before they chose a toxic life of fast food and fast morals. Healthiness is, in this sense, how the market tests your compliance with its rules, and the idea of having to bail out those who failed the test—why, the suggestion itself is offensive. We have all heard some version of the concluding line, usually delivered in the key of fury: By what right do you ask me to pay for someone else's health care?

This image of sturdy loners carving their way through a tough world is an attractive one. But there is no aspect of life where it makes less sense than health care.

To begin with, we already pay for other people's health care; that's how insurance works, with customers guarding collectively against risks that none of them can afford to face individually. Our health-care dollars are well mingled already, with some of us paying in more than we consume while others use our money to secure medical services for themselves alone.

The only truly individualistic health-care choice—where you receive care that is unpolluted by anyone else's funds—is to forgo insurance altogether, paying out-of-pocket for health services as you need them. Of course, such a system would eventually become the opposite of the moral test imagined by our Calvinist friends, with the market slowly weeding its true believers out of the population.

The idea that merit determines healthiness is almost as risible. To be sure, we should all eat right, brush our teeth, and cut down on sweets, but that will hardly help us if we're born with a condition that requires expensive treatment. Or if we eat cookie dough that's tainted with E. coli. Or if our industry dies and our employer shuts down. Or if our insurance company, looking out for its own health, finds some pretext to rescind our policy.

The righteous individualists among us might also consider that our current health-insurance system, which delivers them the medicine they think they've earned, is in fact massively subsidized by government, with Uncle Sam using the tax code to encourage employers to buy health insurance. And were it not for government programs like Medicare and Medicaid taking over the most expensive populations, the political scientist Jacob Hacker pointed out to me recently, the system of private insurance would probably have destroyed itself long ago. That image we cherish of our ruggedly self-reliant selves, in other words, is only possible thanks to Lyndon Johnson and the statist views of our New Dealer ancestors.

One reason government got involved is that our ancestors understood something that escapes those who brag so loudly about their prudence at today's town-hall meetings: That health care is not an individual commodity to be bought and enjoyed like other products. That the health of each of us depends on the health of the rest of us, as epidemics from the Middle Ages to this year's flu have demonstrated. Health care is "a public good," says the Chicago labor lawyer Tom Geoghegan. "You can't capture health care just for yourself. You have to share it with others in order to protect your own health."

Yes, Democrats can prove that America pays more for health care than other countries; yes, they have won the dispute that private health insurance is needlessly expensive. But what they've lost is the argument that we are a society.
 
Well, I can't afford health care...if it's $25-50 a month..then that's affordable to me, lol
 
Federalized subsidized money? What do you think Obamacare is about? It's both a welfare and subsidy plan. And you're complaining about the eligibility requirements for a plan for working non-Federal employees?

What a hoot. *sniff* *sniff* Smells like hypocrisy now.

The regulated insurance companies will get two things in return. Government will impose an individual mandate that will force the purchase of health insurance on the millions of healthy young people who today forgo it. And government will subsidize all the others who are too poor to buy health insurance. The result? Two enormous new revenue streams created by government for the insurance companies.

And here’s what makes it so politically seductive: The end result is the liberal dream of universal and guaranteed coverage — but without overt nationalization. It is all done through private insurance companies. Ostensibly private. They will, in reality, have been turned into government utilities. No longer able to control whom they can enroll, whom they can drop, and how much they can limit their own liability, they will live off government largesse — subsidized premiums from the poor; forced premiums from the young and healthy.
Obamacare: The Only Exit Strategy by Charles Krauthammer on National Review Online

And yet that is lost on a lot of people. There are strict requirements in Obamacare. As well as penalties and taxes. Something you don't see in the "Access to Insurance for all Americans Act" bill.

The notion is put to rest that government might cooperate with doctors and patients to work out what is best for providing care. The health care bill uses the assertive word "shall" 1,683 times. These passages are government mandates that force doctors, consumers and others in the health care profession to do what Congress orders. The word "penalty" is used 156 times for those who don't follow orders. "Tax" is referred to 172 times.
EDITORIAL: Read the bill, congressmen - Washington Times

Dump the health care and start all over with EVERYBODY on board rather than purposely shutting out Congress members for the sake of political expediency.
 
Deafskeptic, I'm not sure that's enough to solve the health insurance crisis. If the insurance companies are able to use preexisting conditions to deny coverage, then it doesn't help at all. It's not clear to me whether preexisting conditions are covered by the bill. Does anyone know?

Maybe none of us are going to be able to afford the insurance if the economy doesn't improve. Insurance rates keep rising so fast while wages and hours are declining. You can't get medicaid until you deplete all of your resources. Feeling like I'm between a rock and a hard place.
 
Deafskeptic, I'm not sure that's enough to solve the health insurance crisis. If the insurance companies are able to use preexisting conditions to deny coverage, then it doesn't help at all. It's not clear to me whether preexisting conditions are covered by the bill. Does anyone know?

Maybe none of us are going to be able to afford the insurance if the economy doesn't improve. Insurance rates keep rising so fast while wages and hours are declining. You can't get medicaid until you deplete all of your resources. Feeling like I'm between a rock and a hard place.

Um what are you referring too? :confused: I've only commented on the post that jillio copied and pasted. I don't recall proposing any solutions.
 
Deafskeptic, I'm not sure that's enough to solve the health insurance crisis. If the insurance companies are able to use preexisting conditions to deny coverage, then it doesn't help at all. It's not clear to me whether preexisting conditions are covered by the bill. Does anyone know?

Maybe none of us are going to be able to afford the insurance if the economy doesn't improve. Insurance rates keep rising so fast while wages and hours are declining. You can't get medicaid until you deplete all of your resources. Feeling like I'm between a rock and a hard place.

Then better start with tort reforms. One of the reasons why insurance rates keep going up.....lawyers and big lawsuits that affects hospital costs.
Does tort reform affect insurance rates? II
 
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