Wednesday, August 12, 2009

The HealthCare Maelstrom: A Short Explanation

With all of the bullshit being espoused by the media and by politicians, it's pretty hard to get ANY real information out there. Hopefully, this brief explanation will help.


The one sponsored in the House by Democrats (HR 3200):

"The measure would require everyone to have health care and prohibit insurance companies to deny coverage to people with preexisting conditions. Companies with payroll over $250,000 will be required to provide health insurance to their employees or face a tax penalty. Existing employer based insurance can be grand-fathered into the new system and must meet minimum federal requirements.

People who do not have employer health care, and do not qualify for Medicaid, will be required to purchase it from a pool of providers regulated by the Health Insurance Exchange that will include private plans and potentially a government run program. People who are not insured will also face a tax penalty. The whole plan, if passed, will begin in year 2013. There is no guarantee of it passing."


LOL I love how they're passing it on until 2013, that way they don't have to deal with it when it finally goes to shit a few years later.

According to the bill, the public option has to meet the same benefit requirements and comply with the same insurance market reforms as private plans. The public option is also required to become financially self-sustaining and build up its own start up costs and contingency funds into its premium rates. In other words, while Medicare funds will likely help launch this program,the public option won’t be Medicare, and, to the chagrin of some on the left, won’t be able to use Medicare’s purchasing power with prescription drugs and other health care products to bring down costs.


I highly doubt it will be self-sustaining, although it looks like it may eventually be extirpated from the bill once it gets to the Senate, thanks to some blue dog democrats.

H.R. 3200 mandates that employers provide a certain level of benefits established by a Health Benefits Advisory Committee, created by the bill, or be subject to a tax of up to 8% of payroll. All employers with payroll over $250,000 will be required to offer health care insurance to their workers. Also, employers that offer health care but fail to meet minimum health coverage requirements would be subject to a tax of $100 per day for each employee to whom the failure applied. Employers with payroll below $250,000 will be exempt from health care requirements.


I can hear the sound of either 1) the doors of small businesses slamming shut, or 2) the sound of employees being laid off so that employers can drop below the $250,000 requirement level.

Individuals, regardless of income or employment, would be required to have health care or face a financial penalty of 2.5% of their annual income. The penalty, proponents argue, is to discourage mostly healthy and young folks from going without a plan. The idea behind it is that the more people who buy into the plan, especially healthier people, the more prices will be driven down for everyone.


Thank you Democrats, I've always dreamed of being penalized for being healthier and younger than other people. Is this not a tax on being well? Is this not age discrimination? Don't you DARE fucking look to me to support your Big Mac habit. HELL NO.

People earning under 133% of the poverty rate, or under $14,400 a year for an individual, will become eligible for their state run Medicaid system—which is free.

For people earning between 133% and 400% of the federal poverty line (400% is 43,320 for an individual or $88,200 for a family of four) will be eligible for “affordability credits” offered at a sliding scale rate based on income. While exact numbers still need to be worked out, an individual earning 133% of the federal poverty level will pay 1.5 percent of their income for health care: about $216 a year. An individual earning near 400% of the federal poverty line will pay 11% of their income for health care: $4,765 a year.


First of all, nothing is free. It's us healthy and young folk, as well as the taxpayer that'll pay for that shit. Additionally, it looks like people are being penalized just for having higher incomes. This just looks way too bureaucratic. And expensive. Not to mention other things. They are hardly even concerned with why Health Care costs are high in the first place. Perhaps I will write a blog on that one later.

Dave is pissed.


http://tinyurl.com/m24h97

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