How will Health Care Reform affect the people?

2010: Affordable Plans:
Individuals who are uninsured and those in small businesses will be able to recieve coverage under a government-run agency. That insurance agencies must provide coverage that will be no more than $6,000 for individuals as well as no more than $12,000 for families.
Their will also be no denied converages for pre-existing conditions. Until the reform comes into full effect in 2014 the government will spend up to 5 billion dollars for "those with pre-existing conditions who have been uninsured for more than six months." 1 Kids, up to the age of 26, will be able to be insured under there parents (as of now 30% of 20 year olds and over are uninsured). This decreases the uninsured rate and allow those who challenge their bodies the most to be able to get medical attention. There will also be taxes on premium plans that exceed $8,500 for individuals and $23,000 for families. This will discourage insurers to create such plans.

Even though plans are becoming more and more affordable some people still won't be able to purchase health insurance unless its free in the year 2014 after then you will be required to buy health insurance. I am not sure if that is the best plan for the United States. If we are looking for a universal plan and our taxes are being raised because of it, shouldn't I be provided instead of forcing us to pay for one...isn't that one of the main problems? People being forced into things they are unsure of. If you are going to carry private health insurance in 2014 you must file proof of insurance with your tax return in 2014--or pay a $95 penalty to the IRS. You might not think that is a lot but in the following years the fine jumps to $350 in 2015 and $750 in 2016. 1

Out-of-pocket expenses will be capped based on income. A family of three earning $73,240 in 2009, for instance, would be required to pay no more than $7,733. People earning up to $43,320 (up to $88,200 for a family of four) will receive credits throughout the year to subsidize premiums. 1



Kliff, Research By Sarah. "How Will Health-Care Reform Affect Me?" Newsweek 11 Jan. 2010: 68. Opposing Viewpoints Resource Center. Web. 7 Jan. 2010. .