A $10 per hour employee will benefit tremendously from this bill

[ProSense]

Large employers will be fined or must provide the equivalent of the employer's portion to support that employee.

An individual is eligible for a hardship exemption if the premium exceeds 8 percent of his/her income.

Bottom line: a $10 an hour employee cannot afford the current $9,800 for coverage on the individual market, and likely cannot afford health high-cost health care offered by an employer.

Under reform a person earhing $10 will spend less than 6 percent of their income on health care on their own, and likely much less via an employer.

calculator

Compare: $9,800 currently to $1,150 or less under reform.

The kill the bill advocates are desperate.

[Klukie]

1. What about the deductibles and copays and the actual coverage?

I am asking sincerely.

[polpilot]

4. Simple formula: Multiply your contribution x 0(zero) = Your Benefit

[branders seine]

2. the medical-insurance industry is famously "one-sixth of our economy."

working poor will spend one-sixth of their income on premiums paid to insurance companies.

sounds like an absurdly regressive system to me.

[ProSense]

3. The exchange includes a non-profit plan

So there is a choice. More and better choices than currently available.

[Klukie]

5. Who is eligible for the exchange?

[grantcart]

11. The CBO estimates that 26 million uninsured will use the state health exchanges

The exact names will be released next week

[Cleobulus]

13. And what will be the deducts and copays offered by the exchanges...

and will they be affordable(i.e. usable) by people making 10 dollars an hour?

[grantcart]

22. Comparison of likely plans can be seen here

http://www.opm.gov/insure/health/search/plansearch.aspx

People making $ 10 an hour will be able to afford a much better plan than I will because of the subsidies.

No plans are subsidize so you can stop asking if any of the plans are suitable for this person or that person.

What is going to make it possible for a person to buy a plan is the level of subsidy that they get. Prosense has alreay given you that information in another thread.

[Cleobulus]

25. The subsidy calculator is only good for determining subsidy levels for .70 actuarial value plans.

Plans that are similar to what my employer offers. Most of the plans offered on the exchange look to be .85 to .90 plans.

[mdmc]

19. If you have insurance through your employer are you eligible for t

the exchange?

[Cleobulus]

6. Not health care, premiums, stop comparing the two...

Great I get my Insurance and it only costs 6% of my income, that's great, then I actually use it and it'll cost me 5,000 dollars for a year, for someone making about 20,000 dollars a year(before taxes), that's a GREAT DEAL. :sarcasm:

[ProSense]

8. .

•In many cases coverage will be more comprehensive and accessible than what is typically available today in the non-group market, so premiums cannot easily be compared to what people buying insurance on their own are now paying.

[Cleobulus]

9. Premiums, not health care, again, they are NOT the same.

Do you have anything pertinent to say, or are you just going to continue to harp on PREMIUM subsidies?

[ProSense]

16. Coverage is not premiums. n/t

[Cleobulus]

20. Coverage isn't the end all be all of health care either...

Not when the coverage itself will cost you thousands of dollars to use, out of your own pocket.

[mdmc]

21. coverage more "comprehensive and accessible"

I don't want "coverage", I want medical treatment. I am currently "fully covered" but cannot use my "coverage" because the out of pocket expense is too great..

[Name removed]

7. Deleted message

Sub-thread removed by moderator. Click here to review the message board rules.

[backwoodsbob]

10. health care won't cost them 6%..insurance will

now add in deductibles..co-pays and costs and let me know if they are still at 6%

[Occulus]

12. Do the employee counts refer to the entire company, or does it

refer to franchises?

I'm thinking of, say, lots of fast-food places, where it's an owner/operator franchise. They're exempt from a number of Federal laws (including FMLA, I think) because they have "too few employees", when the company as a whole might have several hundred thousand. They're counted individually; a Papa John's franchise, for example, might have only twenty employees, instead of twenty thousand (speaking arbitrarily) when you count all employees employed by Papa John's.

I'm thinking mostly fast food, as well as large grocery chains operated independently. Is there any provision requiring companies to not turn to such a system in order to skirt this law, or to count the full count of employees, even when structured under an owner/operator franchise system?

edit: does the bill include subsidies for deductibles?

[laughingliberal]

14. Oh, yes! I saw one remarking just today at the reasonableness of the $2000 deductible. nt

edited typo

[LynneSin]

15. Oh you silly person you - you read the bill. What fun is that??!!

:eyes:

Thank you for pointing that out. Considerations were made for those who cannot afford.

And if I'm correct (if it was dropped mind you I didn't read any of this in the past month or so) if the person is under 27 and their parents have insurance they can still be covered on their plan.

Thank you for your wonderful post

[mdmc]

28. I currently cannot afford medical treatment yet am fully insured through employer

will this bill help me at all? I earn 37500 and am single.

[LynneSin]

29. In many ways yes

One of the big things is the pre-existing conditions - which some insurance companies were treating things like childhood acne, bladder infections and other common maladies as a 'pre-existing'.

As for the rest - there are enough posts out there that highlight the improvements.

[mdmc]

31. I would never be able to pay for insurance out of pocket

I will always have insurance through my employer, unless I am disabled due to my medical condition (which could be treated, if I can afford to be treated).

Thank you in advance for your reply lynn..
If you dont mind, would you be willing to give me a rundown of the benefits for me? I understand if ya dont want to, but Ive looked everywhere for answers and have not gotten any. I even contacted my congressman and was told that the bill was not finished, and that at this time (about 3 weeks ago) they did not know how the bill would effect my access to affordable medical treatment..

peace and low stress and thank you again for your kind and thoughtful reply..

[mdmc]

17. How can you say this and think that it is true?

From the calculator when I plugged in my info..

Note: In general, full-time employees with employer coverage available that meets specified requirements are not eligible for premium subsidies, unless the employee would have to pay more than 9.8% of income for the employer-provided coverage.

I am fully insured but cannot access affordable medical treatment due to expensive co-payments. I don't see a single way that this bill will help me. In fact it seems almost for certain that I will pay more for medical treatment in a year then I do currently.

ps- I support Obama and I want this crappy bill to pass. However, it will make my medical treatment more expensive..

[laughingliberal]

23. There you go messing up perfectly good talking points with reality

What? Are you trying to spoil our Rose Garden party?

[gleaner]

18. I advocate a new bill ...

and i am not desperate. Your figures are misleading. Can you please link us to the source of your data? The cost breakdown and analysis you based this on? Then we could see if we could duplicate your figures. Since the bill was conceived after Obama vetted two backroom meetings with the health care reform industry, per the New York Times, to provide legislation which would be to their benefit, I have no faith that it is any good for anyone. Especially lower income or middle income people. The rich don't have to worry about it.

[OneTenthofOnePercent]

24. Insurance is not access to healthcare unless you can afford to USE your insurance.

Can someone making $10/hr ($20k/yr) afford a dudectable and copay for an ER visit? Probably not.

Tons of people that make more and HAVE insurance are bankrupted by our current health insurance system while trying to acess care.
This bill does not come close to addressing the actual problem.
The status quo is unacceptable and we need a better bill. We don't have the political capital to "fix it later".

[Dinger]

26. Nonsense (nt)

[ProSense]

30. No, it's not. n/t

[Occulus]

35. I didn't think you'd reply to my post above,

but I wanted to make sure.

[Jakes Progress]

27. We can celebrate a half glass if you want, but it's still half a glass.

All the little calculators and government press releases are just so much guessing. The supporters use the guesses that say the streams will run with lemonade. The opponents use the guesses that predict a hail of bricks. Neither one knows.

My guess falls with me not trusting the insurance companies and knowing that they had a huge hand in preparing the eventual legislation. My guess is that poor people will be poorer and rich people will be richer.

[Cleobulus]

32. Really? Tell me how I will benefit.

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x7940916

[apocalypsehow]

33. Kick, Rec. n/t.

[Bluenorthwest]

34. 6% on Insurance Premiums, not on care. That is just false

Insurance is not care. People can read, language is not improvised.

[ProSense]

36. Can you read this

In many cases coverage will be more comprehensive and accessible than what is typically available today in the non-group market, so premiums cannot easily be compared to what people buying insurance on their own are now paying.

link

[grahamhgreen]

37. It's $375/mo for the cheapest high deductible plan in Mass. - deductable so high, you can't even pay

[quaker bill]

38. At $10 an hour

the person likely qualifies for medicaid.