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It is time for everyone to take a deep breath!
What happens if they don't buy it as they are required to under the law? They have to pay a penalty/tax. That penalty is small in 2014. It grows to $695 per adult and $397.50 per child, or 2.5 percent of your total income, whichever is higher, starting in 2017.
The uninsured is a diverse population. Lots of young people don't buy health insurance because they think they are invincible. Why pay good money to buy a product to protect you from being sick if you don't think you're likely to get very ill?
The answer, of course, is that anyone can get sick, have an accident or be the random victim of bad luck.
Here is a good rule of thumb: If your insurance is inexpensive, you almost certainly don't have good coverage. There are no deals in health insurance.
Some call it a redistribution of wealth; others say it is good social policy. For health insurance, it means that every citizen has the right and, increasingly, the financial ability to obtain a basic level of health coverage (called essential health benefits in the Affordable Care Act).
Cancer, heart disease, Parkinson's and dozens of other serious illnesses don't care about your income. But they can bankrupt you just the same. The most Skechers Relaxed Fit Memory Foam Womens prevalent reason for bankruptcy is medical debt. That is reality. It is not about politics.
Whether this is perfect public policy is subject to intense debate, but that is what the law allows. We all pay our taxes, and the people with the lowest incomes get help to pay premiums. Is that idea new? No. Income taxes work the same way: The more you earn, the more you pay.
The law does not affect the government programs in any negative way. Seniors, quit worrying. The new law does not affect you. People on Medicaid: You'll still get it and you won't have to pay much if anything for it. Rest easy.
The good news: These policies go away. It is about time. They don't return enough of the premium Skechers Bobs
ou know that feeling you get when you wake up in the middle of the night, your house is dark and you can't see a thing? You feel lost and confused.
Is that high enough to keep young invincibles or high income earners from complying with the law? Maybe yes; maybe no. But you have a choice. Buy coverage or pay up.
Just ask this question to someone who gets in a serious car accident or who becomes paralyzed for life. Or someone who develops breast cancer in their 30s. Or the woman who has a premature baby who needs advanced neonatal care.
If you didn't know better, you would think that every American is in mortal danger of losing his freedom or is uninsured, spending hours on the Internet Mbt Shoes Walking On A Cloud
The Affordable Care Act addresses the issue of the uninsured. You don't have to like how the legislation does it, but even its most vocal critics have to admit that the voluminous bill does seek to make sure people have access to high quality insurance without regard to their health conditions, social status or their income. The bill limits how much they have to pay out of their pocket in any given year. And it assures them that they will have access to an adequate number of health care professionals and facilities where they live, work or travel.
Minority populations have a higher percentage of uninsured. Part of it is that a higher percentage of minorities are unemployed and don't have access to employer plans. Part time and seasonal workers have higher rates of uninsured.
Around 30 million Americans are either uninsured or underinsured. They don't have the means to pay for adequate health insurance. This doesn't necessarily mean they don't access the health care system. Most do. Using emergency rooms, free clinics, community health centers, rural health clinics and charitable providers of care, they seek care often at the expense of everyone else. Too often, by the time they seek care, it is too late to do them much good. It is almost always way more expensive than it would have been had they had Skechers Light Up Girls
Let's explode the myths, put on your thinking caps and reason our way through the morass of the Affordable Care Act, absent the posturing, the apologizing and the pontificating.
Uninsured often are young or wealthy
Some people a small number think they have good coverage when in actuality they don't. It is these policies that are being canceled. Yes, this is true, even though the president said you could keep your current insurance if you like it. The people getting canceled have limited benefit policies or "dread disease" policies or insurance with low limits on how much the insurance company will pay if they become seriously ill.
The reasons are self evident.
But so are wealthier people. The fastest growing segment of the uninsured consists of people making over $75,000 a year. These people choose to "self fund" health insurance, choosing to use the same flawed logic of the "young invincibles." "I can pay for the routine stuff on my own. Why should I spend good money on health insurance?"
The new law provides premium assistance to all Americans earning less than $46,000 a year ($78,000 for family of three; $94,000 for a family of four, etc.).
First, 85 percent of the American citizens have comprehensive health insurance. Most get it through employers; many buy it themselves from reputable insurance companies and a large share gets it through the government. The great bulk of the insurance they get meets the required essential health benefits specified in the Affordable Care Act.
If your insurance is being canceled and not replaced with another one of more value, say thank you rather than screaming "foul." You have been making a bad choice. Sometimes, we have to be protected from ourselves.
money back to policyholders. Under the new law, they are considered substandard or the insurance companies won't agree to guarantee that at least 80 percent of the premiums will be returned to policyholders as benefits. If they did, these companies would not be canceling them.
Welcome to the world of health care reform in the swamp of dysfunctional websites, raving or fawning politicians, and pontificating commentators filling oceans of air time and column inches.
desperately trying to sign up for health care coverage that is terribly expensive, totally unwanted and cowering from a gun at their head forcing them to choose between locusts and their first born child.
Take a deep breath
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