...After years to prepare, Mr. Ryan finally unveiled what was supposedly the outline of a health care plan. It was basically a sick joke: flat tax credits, unrelated to income, that could be applied to the purchase of insurance....
Flat tax credits are an oxymoron, in more ways than one.
$5,638.75 is the amount of federal income tax paid by someone earning $50,000
per year. Even when Trump eliminates all federal taxes for those earning $50,000 or less
per year it will not pay for health insurance.
The Public Option which was to be included in the ACA was a striped down version
of any commercial policy. It had all the same preventive measures and would pick
up costs should there be a medical problem, but, it was not commercial insurance
at all. It was a method to find disease among Americans and end it.
The Republican health care cooperatives have failed. The health care savings
account is ridiculous. People are suppose to set aside monies they will need for
the year in an account that is tax free, but, if serious disease is found and needs
extensive medical intervention, where does the money come from?
Former Secretary John Kerry wanted to establish catastrophic health care plans.
That means one would have to figure in the cost of the catastrophic health care
plan into their health care savings account.
Catastrophic health plans (click here) cover the same minimum health benefits as other health plans under the Affordable Care Act, including preventive services, emergency services, prescription drugs, and more. The difference with a catastrophic plan is that you must pay for all health-care costs until you meet a high annual deductible. Only after your out-of-pocket spending reaches the deductible does your plan begins to pay for most covered health-care services.
The deductible doesn't apply to all benefits. Catastrophic health plans cover the following benefits, even if you haven't met your yearly deductible yet:
- Three primary care visits every year
- Free preventive services required under the Affordable Care Act, including certain screenings and immunizations.
You'll pay the full cost for all other health-care services until you meet your yearly deductible. Other cost-sharing expenses, such as copayments and coinsurance, are usually higher with this type of plan. However, monthly premiums tend to be lower compared with major medical plans.
Catastrophic health coverage is different from accident, critical illness, or short-term plans; these types of coverage tend to protect the policyholder in specific, limited situations. For example, critical illness plans insure the policyholder against specific health illnesses. Short-term plans provide limited, temporary coverage when an individual isn't eligible to enroll in a major medical health plan or is waiting for coverage to start. For example, you might enroll in a short-term plan to fill a coverage gap before you're eligible for Medicare....
By invoking health care savings accounts and catastrophic health care plans there are still huge blocks of health care that make up the hospital budget not covered.
If there is regression into lack of coverage, there will be all those idiot health care plans that existed before. It supplies a card to carry so the emergency room won't turn a subscriber away, but, once inside the ER there is virtually nothing covered and we are back to bankruptcy and the destruction of the American Dream.
The Affordable Care Act eliminated the bankruptcies and put Americans on a track to success and building wealth. All those pitfalls leading to bankruptcy and home ownership were to be eliminated. The Affordable Care Act was much bigger than simply health care coverage. The law was to insure a reliable outcome to one's health through preventive care and the security of a home for the family.
Do I have to go there? Home ownership is the primary avenue for people to secure wealth in the USA. Why wealth? Because it solves a lot of problems. It solves the problems of food stamps, Medicaid and vacant neighborhoods. It protects culture and brings the country out of the dangers of collapsing economies.
Local economies and health care for all is the answer to economic stability. While other countries 'get wise' to Wall Street's greed, the USA can have sustainable economies, cultures, education for the future of their children and an optimistic consumer base.
Yes, the ACA can achieve all that, but, not if hideous Republican political speak continues to put jerks in the White House who have a Ultra White agenda. Putting the American people back in peril with their health achieves the Ultra White's long term "peaceful ethnic cleansing." Come on, get over this mess!
September 17, 2009
By David Cecere
The Affordable Care Act eliminated the bankruptcies and put Americans on a track to success and building wealth. All those pitfalls leading to bankruptcy and home ownership were to be eliminated. The Affordable Care Act was much bigger than simply health care coverage. The law was to insure a reliable outcome to one's health through preventive care and the security of a home for the family.
Do I have to go there? Home ownership is the primary avenue for people to secure wealth in the USA. Why wealth? Because it solves a lot of problems. It solves the problems of food stamps, Medicaid and vacant neighborhoods. It protects culture and brings the country out of the dangers of collapsing economies.
Local economies and health care for all is the answer to economic stability. While other countries 'get wise' to Wall Street's greed, the USA can have sustainable economies, cultures, education for the future of their children and an optimistic consumer base.
Yes, the ACA can achieve all that, but, not if hideous Republican political speak continues to put jerks in the White House who have a Ultra White agenda. Putting the American people back in peril with their health achieves the Ultra White's long term "peaceful ethnic cleansing." Come on, get over this mess!
September 17, 2009
By David Cecere
Nearly 45,000 annual deaths (click here) are associated with lack of health insurance, according to a new study published online today by the American Journal of Public Health. That figure is about two and a half times higher than an estimate from the Institute of Medicine (IOM) in 2002.
The study, conducted at Harvard Medical School and Cambridge Health Alliance, found that uninsured, working-age Americans have a 40 percent higher risk of death than their privately insured counterparts, up from a 25 percent excess death rate found in 1993....
