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2010 Health Care Reform Bill

A controversial health care bill that the Senate passed on March 21, 2010.

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It's not perfect, but it's a start.

  • Mar 24, 2010
  • by
Rating:
+4
This bill doesn't have all I want, but I'm glad reform has started. If you're wondering how it will affect you, I suggest this calculator at washingtonpost.com:
http://www.washingtonpost.com/wp-srv/special...lth-bill-means-for-you/

What I keep learning as I read - I am by no means an expert on this bill - is that this is going to mean gradual change over the years.

It is my hope that insurance companies will quickly realize that it is going to be best for them to offer low-cost insurance, so people can avoid the penalty fee (which will range $695-$2,085 per year). These fees don't start for a few years, so if you're totally averse to having health insurance, start saving.

On the other hand, new regulated exchanges are supposed to open in a few years for small businesses and individuals. People with pre-existing conditions should be able to buy insurance. Premiums should be more reasonable.

Last I checked, COBRA (insurance coverage extended after leaving a job) was going to cost us $800/month for just my husband. Surely, insurance companies are going to be able to improve on that, knowing they have tens of millions of new customers.

I am personally elated about eliminating the pre-existing conditions clauses. I have never been able to buy an independent insurance policy because of this issue. This means I have always needed to be tied to some corporate or family policy.

I concede that this bill is not perfect. It is a compromise. I know Republicans aren't happy, but they had 8 years to reform health care if that was something they wanted to do. Apparently they did not feel strongly about it.
It's not perfect, but it's a start.

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March 25, 2010
Although I disagree with the outcome and the manner in which it was achieved I enjoyed reading your review. Sme very salient points here. I will make it a point to check out the Washington Post calculator.
March 25, 2010
Thanks for reading, and for your open mind!
 
March 24, 2010
Great review, Heather! I really enjoyed the calculator at the Washington Post. I am not even close to paying additional taxes because my annual income is so low, and there are quite a few improvements that affect me. I'm really happy about the preexisting conditions clause as well because I have a lot of family members who have been denied healthcare because of previous medical problems.

BTW: As far as I've heard, the tanning tax is a state specific one only for California. I know there will be some tax changes across the states, but I'm unfamiliar with most of them except this one.
March 25, 2010
Thanks for your feedback, especially the extra info on the tanning tax. That was not getting a lot of airplay in national media or local (DC/northern Virginia) media. And of course, thanks for reading!
 
March 24, 2010
I went to the Washington Post link and found it to be inaccurate. I will explain why and then will post a comprehensive review on this topic.

First of all, the questions did not include "Do you use tanning salons (if so, how often and at what price). That would allow a calculation of the ten percent tax times the number of annual visits to calculate that cost. So the website is already misleading.

Secondly, there are unfunded mandates that will fall on the backs of States to cover. That will inevitably mean higher state taxes. So how do you calculate what this bill is going to cost your family in state taxes when we haven't even crossed that bridge yet.

This calculator is meant to spin the bill and make people feel good about it. Remember it was me that said the threshold WILL be lowered from 250K before this thing is done. If it is not...or if those under 250K do not end up with new taxes as part of this bill I'll eat crow...I ain't sweatin' it cuz it ain't gonna happen. Fax is fax.
March 24, 2010
I'll be looking for your comprehensive review on The Washington Post calculator. I was not aware of the tanning salons issue. I hope you'll get more specific on that and these unfunded mandates States are being called on to cover, too. As for the bar being lowered from $250,000 to create new taxes, it has a ways to go before it's going to touch me. At this point, there is a lot more benefit coming out of this bill than harm for me and mine. But I read your other review and I'll read another if you post it. This is America, thank goodness! (And thanks very much for reading my thoughts.)
March 24, 2010
It is posted now. I hope you enjoy it. I learn a lot reading stuff written from people who disagree with me and enjoy the discussion AND debate. Too bad this debate couldn't have happened in Congress where it belonged BEFORE the bill was passed.

Also, don't ever take anything I say to heart because I speak in generalities. I am a gentleman and would not intend to embarrass or belittle anyone else's viewpoint. I cherish America for her diversity. I am passionate about this bill because I am a Libertarian which means smaller government AND I'm a fiscal conservative, which causes me great concern when we buy things we can't afford.
March 25, 2010
Well, we do have a lot in common, it seems. I also enjoy a good debate and cherish America's diversity.

I was extremely frustrated with the way this debate carried on, focusing mostly on process, and I agree that there are probably pages and pages of legalities in the bill that I personally would edit out. BUT I would never take the personal risk of running for office. I trust our congressmen to do their jobs. And it is long past time to do something, rather than nothing. We've spent far too much money on other things (war) that we can't afford with much less debate. So, it's not perfect, but it's a start.
March 25, 2010
The American people clearly wanted Health Reform. The Democrats could have taken the lead on this issue and put the Republicans on notice with a very simple strategy. They should have enacted simple legislation that addressed cost, not creating bureacracy. Did you know that this legislation creates 159 new bureacracies? 159. That is not a start, that is unconscionable expansion of government. I would have supported baby steps and am personally for reform...especially for costs. The Democrat lobbys bought off this legislation (like the trial attorney's who make millions off of ridiculous lawsuits). I am an Independent and consider that there is blame to go around. But I also recognize the Pelosi locked the Republicans out of the process at the outset, which is how this thing ballooned out of control. There was no voice of opposition to keep things in check. For Republicans to enact reasonable law, they need Democrats to temper the debate...it works both ways. But this bill is far from just "a start." It will ruin our economy. That is not gloom and doom...the numbers don't add up and we are already in a recession.

Now that this bill is done we can start talking about JOBS. What? Not jobs? Oh...the environment and amnesty are more pressing than Jobs. I guess I was watching a DIFFERENT State of the Union speech than everyone else because I could swear I heard the POTUS indicate he was going to switch his focus to jobs. Maybe Nancy Pelosi was too busy standing up and sitting down to actually LISTEN to what was being said.
 
March 24, 2010
Insurance companies have been adequately painted as the bad guy by politicians and the media. I have been frustrated beyond belief by insurance companies in the past myself. But the fact remains that they only generate 3 or 4 percent in profits each year. Not exactly rolling in the dough. So I wouldn't expect miracles to be performed in terms of cost. This bill/law did not cut costs it offered wider access. The cost is going to be passed on to everyone else.
March 24, 2010
I agree, the biggest change made here was to 1) offer wider access to health coverage. To do that, 2) cost-regulated exchanges that ensure folks with pre-existing conditions are able to buy insurance had to be created. In the past, folks who didn't have insurance coverage that still got health care in Emergency Rooms, and walked away from their bills (perhaps because they couldn't afford it) - passed that cost on to everyone else. This bill requires those folks to pay a penalty for not having insurance. It seems pretty logical to me.
March 24, 2010
I wouldn't call anything that costs more than a trillion dollars logical. The two points you made could both have been addressed in a bill that was no larger than twenty pages. It is the OTHER stuff that causes concern.
 
March 24, 2010
Good review, especially your last sentence. GOP seemed more interested in pouring money into Iraq than helping Americans. Just sayin'.... :)
 
March 24, 2010
Thanks for the link to the calculator. That's the first time I've seen that!
March 24, 2010
So glad you clicked on it! I think we can all benefit by getting more information about this bill. Thanks for reading.
 
March 24, 2010
Agreed that this is a compromise. So far for my family though, it means good things. From the pre-existing conditions issue to covering children until the age of 26. I just wonder how they're planning to put all the changes in place and what their planned timeline is going to be like. Thanks for the link to the calculator, by the way! That was interesting to use.
March 24, 2010
Thanks for reading, and for checking out the calculator. I am really glad I'm not running the government, I wonder how to put all the changes in place too. Luckily that's not my job.
March 24, 2010
Also, it's not like a lot of people are against it. They're just louder! :)
 
1
More 2010 Health Care Reform Bill reviews
review by . March 28, 2010
posted in Business Matters
Bailing out & falling short big time!
Helping others is morally good. However, when a government which is broke or on the verge of bankruptcy goes beyond and put every part of its country deeper into debt, that's totally insanity and dangerous. The U.S. is on its way to 'solve' its problems by simply printing money and pumping money that was otherwise not there to begin with? Not to mention the interest it has to pay for its sovereign debt? I don't get it! It's a no way out situation at all. What does the Obama administration …
review by . December 13, 2010
posted in Big Government
There has been a lot of false advertising about this bill.  This is an attempt to cut through a lot of this and give to the best of my ability a fair review of the changes of law.      The major issues the health care reform laws were intended to tackle were the rising cost of care and rising health insurance rates.  I can tell you my family has been without health insurance for over a year because the rates were suddenly raised on us 50% from one year to the next.  …
review by . April 02, 2010
As a student so many of my friends Facebook statuses and Twitter updates included some form of the phrase "I HAVE HEALTH INSURANCE".      Well that's nice. But once I graduate in May I still won't get health insurance.      Why?      Well I won't be a full time student (going to grad school is not worth it)       And my job over the summer (well half of June through the first half of August) pays me well …
review by . March 22, 2010
posted in Public Policy
Although I have been watching today's events like a freight train running toward a brick wall, the finality of the vote still leaves me speechless.  For the first time in my lifetime, I have witnessed the most divisive partisan legislation pass the final hurdle towards law.  A 2700-page bill rife with backroom deals and pork that will cost taxpayers an admitted 600 Billion dollars, will require young people who do not have insurance to purchase it themselves and will ultimately experience …
review by . March 22, 2010
posted in Public Policy
The ends never justify the means.
So there you have it.  President Obama, Nancy Pelosi, Harry Reid and the rest of the Democrats have gotten their way. The 2700 page 2010 Health Care Reform Care bill will become law.  Had the Democrats played by the rules and managed to get this legislation passed I would have been upset but I could have lived with it. That is the American way!  But as we have come to discover all too often over the years Democrats rarely play by the rules. These ideologues …
review by . March 22, 2010
The Senate passed the healthcare reform bill and you're probably asking, "now what?"  There are a lot of questions being asked and many people who are confused, wondering how does this affect me?  It will be a law that all Americans are required to have health insurance and it does remedy the problem of the millions who are uninsured.  By the year 2014 all Americans will be required to have some form of health insurance or face being fined.        …
Quick Tip by . July 03, 2010
posted in Public Policy
Personally, what started out as an initial opinion of excited promise has since turned into a much less hopeful one. Reading up on different perspectives has revealed more cons over pros than I first thought existed. Maybe we didn't need this one after all. I'm hoping I'm wrong.
Quick Tip by . March 27, 2010
It is immoral for those of us who have health insurance to deny it to others. Scare tactics should not prevail.
Quick Tip by . March 23, 2010
Stoked the bill passed, wish it was universal health care though, rather than feeding money to insurance companies.
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Heather ()
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I'm a Washington, DC native and I really hope I help you discover something that makes your life easier or more fun.
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Wiki

The Patient Protection and Affordable Care Act (H.R. 3590) was signed into law by President Barack Obama on March 23, 2010. Along with the Health Care and Education Affordability Reconciliation Act of 2010, the act is a product of the health care reform agenda of the Democratic-controlled Congress and the Obama administration.

The bill was originally drafted by the U.S. Senate as an alternative to the Affordable Health Care for America Act, which was passed by the U.S. House of Representatives two months earlier on November 7. However, after the Democrats lost their supermajority in the Senate on January 19, 2010, the House decided to pass the Senate version and amend it with a third bill. This will allow the Senate to pass the amendments via the simple-majority reconciliation process.

The Patient Protection and Affordable Care Act passed the Senate on December 24, 2009, by a vote of 60–39 and passed the House on March 21, 2010, by a vote of 219–212, with no Republicans in either house voting for the bill. At the time of the vote, there were 4 vacancies in the United States House of Representatives.
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