With successful passage of a historic health care reform bill this weekend, experts are weighing in on the benefits that the bill would bring to working families.
Maggie Mahar, a longtime observer of health care policy, says the progress Congress has made on health care is “astounding” and the House bill would move millions of families to less expensive, more comprehensive health care coverage, protecting them from medical bankruptcy, lifetime coverage caps and other consequences of our current flawed system. A study by MIT health care economist Jonathan Gruber suggests the changes in the House proposal will lower premiums by hundreds or even thousands of dollars for middle-class families who are looking to buy insurance.This legislation includes numerous benefits for working families, immediately and in the long term, whether you have insurance now or not: It will end the national scandal of medical bankruptcy—the number one cause of personal bankruptcy—by eliminating lifetime caps on insurer payments and limiting annual out-of-pocket costs. Medical bankruptcies affect up to 4,000 families every day in the United States—and 78 percent of them are fully insured.
It ends abusive insurance company practices, including the denial of coverage based on pre-existing conditions and “rescissions”—the practice of canceling coverage when patients file claims.
Maggie Mahar, a longtime observer of health care policy, says the progress Congress has made on health care is “astounding” and the House bill would move millions of families to less expensive, more comprehensive health care coverage, protecting them from medical bankruptcy, lifetime coverage caps and other consequences of our current flawed system. A study by MIT health care economist Jonathan Gruber suggests the changes in the House proposal will lower premiums by hundreds or even thousands of dollars for middle-class families who are looking to buy insurance.This legislation includes numerous benefits for working families, immediately and in the long term, whether you have insurance now or not: It will end the national scandal of medical bankruptcy—the number one cause of personal bankruptcy—by eliminating lifetime caps on insurer payments and limiting annual out-of-pocket costs. Medical bankruptcies affect up to 4,000 families every day in the United States—and 78 percent of them are fully insured.
It ends abusive insurance company practices, including the denial of coverage based on pre-existing conditions and “rescissions”—the practice of canceling coverage when patients file claims.
It provides subsidies to help middle-class and lower-income families afford coverage. Through an exchange, it offers people a wide range of choices of insurance, including a public health insurance option that competes with private insurers.
It narrows the “donut hole”—the gap in Medicare coverage for prescription drugs.
It creates incentives to increase the number of doctors and boosts funding for community health centers.
It allows young people to be covered by their parents’ insurance up to age 27.
It creates a new fund to help employers give health coverage to early retirees.
It provides for efficient, computerized medical records and other tools to streamline medical care and increase quality.
It cuts costs to the federal government as well as to families, reducing the deficit by more than $100 billion over the next 10 years—thanks, in part, to the existence of a public health insurance option, which lowers costs across the system.
Ad it’s fairly funded—through employer responsibility and a surtax on the very highest earners, not a tax on middle-class health benefits.
Ad it’s fairly funded—through employer responsibility and a surtax on the very highest earners, not a tax on middle-class health benefits.
That’s a huge, historic win that will make a real difference in the lives of people of all ages. Here’s a two-page fact sheet that explains more.
Meanwhile: President Barack Obama praised the House members who showed courage in taking this critical vote.
Health Care for America Now (HCAN) and other reform supporters are thanking representatives who voted “Yes.” You can thank your member of Congress here. They showed courage by fighting against insurance companies and for working families—and they need to hear from you to know that they did the right thing.
And the Senate could begin debate on its own health care legislation next week.
Meanwhile: President Barack Obama praised the House members who showed courage in taking this critical vote.
Health Care for America Now (HCAN) and other reform supporters are thanking representatives who voted “Yes.” You can thank your member of Congress here. They showed courage by fighting against insurance companies and for working families—and they need to hear from you to know that they did the right thing.
And the Senate could begin debate on its own health care legislation next week.
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