This was the most useful summary of what is simmering legislatively for health care reform. Without stealing the whole damn post (always considered bad form) I would offer this excerpt with these helpful hints:
- FPL = Federal Poverty Level
- Community rating = how much more you can charge high risks than low.
- Recissions = canceling your insurance after a big claim
|HELP Bill||Senate Finance Draft||Tri House Bill|
|Employer Mandate||Yes (currently blank)||No, but employers with workers at or below 300% FPL have to pay||Yes|
|Medicaid Expansion||150% FPL, but still unclear||133% FPL for pregnant women/children; 100% FPL for parents, childless adults||133% FPL|
|Subsidies||between 150 - 500% FPL on sliding scale||between 133 - 300% FPL on sliding scale||between 133 - 400% FPL on sliding scale|
|Public Option||Yes (currently blank)||No (Conrad’s co-op compromise)||Yes, Medicare + rates|
|Insurance Regs||Guarantee issue, modified community rating (2:1), no rescissions||Guarantee issue, modified community rating (7.5:1), no rescissions||Guarantee issue, modified community rating (2:1), no rescissions|
[More really good info] [For some reason the top line is shifted left one column]
The most important elements for farmers, I believe, are in the bottom row. For those of us who struggle in the individual health insurance market, guaranteed issue is a BIGGY.
I may be crazy, but I think of all the legislative efforts percolating in Congress, this one will have the greatest offect on farmers - especially young farmers.