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health care reform includes offering Americans a number of new benefits, rights, and protections in regards to their healthcare and setting up a marketplace where Americans can purchase federally and regulated and subsidized health insurance.
Americans who do not currently have coverage will have access to quality affordable health insurance through their State's health insurance marketplace or the expansion of Medicaid and the Children's Health Insurance Program (CHIP) by 2014.
GOOD Health Insurance Access for all You can not be dropped from coverage if sick. Will not deny coverage for being sick Can be cancelled at any time
Fees
BAD
New taxes Reduction of employees
have to ensure their workers if not a fine will be charged. Businesses will reduce full-time employment to parttime to avoid cost of health benefits.
Coverage to all No direct penalty for small employers If the employer has 25 or fewer employees and average
Individual Penalty
2014
Penalty is $95 per adult and $47.50 per child (up to $285 for a family) or 1.0% of family income, whichever is greater.
2015
Penalty is $325 per adult and $162.50 per child (up to $975 for a family) or 2.0% of family income, whichever is greater.
2016
Penalty is $695 per adult and $347.50 per child (up to $2,085 for a family) or 2.5% of family income, whichever is greater.
January 2013
Obama care has a price tag of $1.1 trillion over the next
10 years. Obama care is supposed to reduce the budget deficit by 250 billion dollars over the next 10 years & 1 trillion over the next 2 decades. Obama care will cost us 3-9 % of our income.
Obama care prices will be based on family income. Most young people and low income Americans may qualify for free or low cost quality health insurance through the Market Place. <Ex> Families of four with an income of 30k-90k will be helped with tax credits
premiums
smokers can be charged up to 50% more for their
Economic Benefit We will not know what the overall effects will be, but having a healthier labor force due to increased access to health care in general and to preventive care in particular might increase worker productivity and contribute to economic growth
Economic Cautions: People will spend 3 to 9% of their income in health insurance, leading this to lowering standard of living. Families wont take the same risks, and instead, will save more money. Economy may end up in a recession.