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 | |
| Individual Mandate | Yes | Yes | Yes |
| 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.
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