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A Better Health Care System?
Where Will I Get Health Insurance?
You may get it in the same place you get it today -- through an employer,
or through Medicare or Medicaid. However, your coverage and benefits probably won't be the same.
If you must buy your own insurance, you will have to obtain it through a government-regulated exchange, where competing insurers will offer the required insurance benefits.
Will I Be Able to Keep the Insurance I Now Have?
Probably not. Employers can drop your coverage altogether and pay a fine that costs as little as one-seventh the cost of insuring you and your family.
How Much Will My Health Insurance Cost?
The minimum coverage in 2016 will average about $4,750 for an individual ($12,250 for a family of four), according to the Congressional Budget Office.
In the government-regulated exchange, the out-of-pocket premium will be limited to a percent of your income up to about $44,680 ($92,200 for a family of four). If you earn more, you will have to pay the full premium yourself.
There will be no new subsidies if you get insurance at work, but your premium
may be limited to a percent of your income.
What Benefits Can I Expect?
What Other Costs Can I Expect?
There are also hidden costs:
How Will Government Enforce the Requirement to Buy Insurance?
The enforcer of health reform is the Internal Revenue Service.
Will I Be Able to See a Doctor?
With millions of newly insured people trying to obtain more care, Medicare actuaries predict that you may
not be able to see a doctor when you need help.
In Massachusetts, with a similar health reform:
Another problem: Giving everyone all of the newly promised free preventive services would leave every family doctor in America with no time to do anything else that doctors do!
What If I Am on Medicare?
According to Medicare's chief actuary:
There are a number of new promised benefits, including:
However, for each $1 in new benefits, there will be $10 in reduced Medicare spending. Also, there is no funding to make sure all the promised services will be available. If everyone on Medicare took advantage
of a free annual checkup, for example, we would need 23,000 extra doctors just to meet the demand.
What Do Medicare Cuts Mean for Individual Retirees?
Under the Affordable Care Act, the average amount spent on Medicare enrollees over the remainder of their lives will decrease by:
How Will Medical Care Change?
Some insurers are already offering plans that keep premiums down by restricting which doctors you
Also, the new law encourages doctors to form Accountable Care Organizations (ACOs) -- a new type of
HMO that rewards doctors for meeting government guidelines. In an ACO: