Monday, July 9, 2012

Politics within the Health care Law


Philip Scott Andrews, a journalist for the New York Times, stats how people in America will gain coverage when the health care plan fully develops over the country in his article "Health Care Reform": “The Congressional Budget Office predicts that 23 million uninsured people will gain coverage through exchanges and that all but five million of them will qualify for subsidies, averaging more than $6,000 a year per person. Subsidies, in the form of tax credits, will be available to people with incomes from the poverty level up to four times that amount ($23,050 to $92,200 for a family of four)” (Andrews)


Why is it that when we work it is mandatory that we either take the coverage our employers give us or we have to prove that we have coverage through a different coverage? The employer doesn’t question the quality of the insurance or what it might or might not cover over all. How will we know what type of insurance the government is going to offer as we see how Medicare coverage affects us? How can 23 million people not be covered now that Medicaid and Medicare has enveloped so many people. $6000 per person the federal government is willing to give in a form of tax credits for poverty level families. It is amazing to me that for a house size of four that we as Americans can’t afford to live on $92,000 a year. How does the government expect us to buy insurance before the tax credits? Will this amount be given back to us through our employers or is the first year that the insurance coverage is due do the American citizens take the hit on the taxes so they can afford the rigorous monthly amount? How can we let congress make us shift in our seats when they can’t even decide how people are going to be covered? 



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Royalty-Free (RF) Dollar Sign Clipart Illustration by Toons4Biz - Stock Sample #10080
Picture created by illusrationsof.com
commemorating health care.
Kerry Harron, a writer for Forbes magazine, shows the Ameican people about the amount of money a house can bring in and still be on medicaid in her article, "The Best Ways To Find Health Insurance if You Are Self-Employed In 2012":“A Towers Watson survey of 552 of the nation’s largest employers found that retirees under age 65 pay an average of $633 per month for individual coverage and $1,633 monthly for family coverage. Current employees with similar coverage were paying $432 and $1,249.Your spouse will pay a higher premium for family coverage, but it will still be less than an individual policy. Annual premiums for employer-sponsored family health coverage increased to $15,073 ($5,429 for single coverage) last year, up 9% from 2010, according to the Kaiser Family Foundation/Health Research & Educational Trust. On average, workers pay $4,129 and employers pay $10,944 toward those annual premiums” (Hannon).

With all the expense that healthcare are providing it seems outrageous to believe that any American can afford these steep premiums. Will it come a time when we stop going to the doctors because we can’t afford the premiums and then we won’t be able to afford the copayments that come with the plans. I know understand how the family plans appear to be a greater savings but for the low budget plans will the copayments be out of reach for the working families? Will this spiral into a time where more people get sick and no one is listening? Are we just going to turn a blind eye at what is going on and never look up to see the truth?



Works Cited
Andrews, Philips Scott. "Health Care Reform." New York Times [New York] 08 Jul 2012, n. pag. Web. 9 Jul. 2012.
Hannon, Kerry. "The Best Ways To Find Health Insurance if You Are Self-Employed In 2012." Forbes. 01 Jan 2012: n. page. Web. 9 Jul. 2012.
10080-royalty-free-dollar-sign. N.d. Photograph. illustrationof.com

9 comments:

  1. As a person who does not have any health insurance I understand the seriousness of a need for reformation. Recently, I got a UTI which progressed into a Kidney Infection after I had not treated it because I had no money to go to the doctor and certainly could not afford medical insurance. After I started getting a fever and realized my symptoms were not going away but getting worse I went to the doctor. I had to hunt for a low cost clinic and I am still working out a payment option with that clinic. The healthcare insurance system in America is seriously lacking and drastic change needs to happen.

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    1. I think your experience is common, even for people who are employed. For example, I don't get health insurance through our college. So I'm someone with an advanced degree and a job, but no insurance unless I pay for it myself, which can be difficult given the low pay for adjunct/part-time instructors.

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    2. I am sorry that you had to deal with this health scare. It is only when you don’t have health coverage when everyone thinks about needing it. Even with the low cost doctor or clinic you are probably well into the hundreds for a bill which could have been avoided but circumstances happen and the cost of the doctor plus the cost of the medicine were well outside what you could afford. What is affordable to one person isn’t affordable to another. Americans have been seriously lied to about what is low cost or what is out there to treat the basic issues. Can you even imagine what the cost is going to be if we choose not to cover ourselves but then have to have a tax implemented onto our income tax to cover our everyday incidents? Life has really played a dinger on us when it comes to not being fare.

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  2. You wonder "Will it come a time when we stop going to the doctors because we can’t afford the premiums and then we won’t be able to afford the copayments that come with the plans." I think this time is already here for MANY people in the US, even those with insurance. I know that I am reluctant to go to the doctor because I worry about the co-pays, and I know many tests won't be covered until I meet a yearly deductible that (to me) is quite high. As for Medicaid, keep in mind that right now, you must have kids (dependents) to be on that plan. Thus, it doesn't help those with a low income but no children. I believe (but am not certain) that the Health Care Law will change this aspect of Medicaid.

    Thanks for citing your sources, but you should also be able to link to them. Find the original article on-line and then see my blog for a post on inserting links in Blogger.

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    1. Thank you for the feedback about the URL, hopefully I completed this task. As for the affordability of health care it isn’t. The premiums have risen and many companies are asking for a lot more from their workers just to meet the deductible. I don’t know if the companies are paying more per person or are it in anticipation of what we are going to pay that they are lining their pockets for the unknown prices? I believe that many are not going to doctors or hospitals, because the amount of money it takes to treat the common folk is out of their budgets. I realize that ask a nurse is a free service but they air on the side of caution and send everyone into their doctors. Will there ever be a middle ground for people that are looking for minor dilemmas? Will there ever be a doctor’s office that stays open 24 hours a day to treat people that work? Will there ever be just a nurses group that looks at you like an urgent care that is not so outrageous in price? I have a feeling that in a few years these questions will be answered. As far as Medicaid goes there are new programs that have been released and hopefully they will cover more Americans.

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  3. Hi Mary,
    Great Topic! I don't know the whole health reform bill but my Mother has no health insurance, because she is a self employeed Massage Theropist. When she gets sick she has to rely on holistic medicine because she can't afford to go to the doctor. She can't get medicad because she is not old enough or disabled. I think the health reform would be great for that type of situation. Will the bill allow some people to abuse the system even more? How is this going to effect private practices? Will the government tell them how and when to treat people? I know insurance companies already do that.

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    1. I appreciate the fact that because your mom is self-employed she can’t afford health insurance. I know how expensive health care is and how out of reach it is for many. It is sad that for the richest country in the world people can’t be seen by a doctor without fearing that their lives will be taken away because of the cost. The Medicaid dilemma is a huge thing and hopefully I will be able to discover some other resources that your mom can use in the mean while. I am not afraid of the abuse of the system but in your words are the government going to tell doctors how and when to treat people. I feel that even without the government’s hands in healthcare right now that the treating doctors are always looking over their shoulders and not selecting certain tests because they are so expensive. Only time will tell how this government run plans will play out.

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  4. Hey Mary-
    This is a very relevant topic as it affects all of us. I have health insurance, but I am still not very familiar with the entire health reform bill. I am curious as to what the repercussions will be of the bill. I also wonder how the country will react to the bill, and if Medicaid will end up making changes to their policies that create more restrictions for those who already have Medicaid in order to compensate for the changes.How do people around the country really compare and contrast the advantages and disadvantages of the bill? Nice post Mary!

    -Chance

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  5. It is interesting that you asked about the repercussions as on the news they are very reluctant to address this issue. Medicaid is already making changes and it appears they are not spreading their roles to thin but they appear to be limiting the number of people they enroll. As I am flipping through web sites I am finding pieces that are interesting but I don’t know how to add or subtract the articles and I am not sure where to place them into the conversation. I am very curious to find out how long term other countries compare to our new health care? Comparing and contrasting the bill seems relatively equal but seems to be a personal preference depending on whom you speak to. I think only time will tell if it is a good thing for our country or a poor thing for our country.

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