TruthAboutHealthCareReform.org

• Allie would qualify for Medicaid
• The proposal would allow individuals with income up to 150% of the Federal Poverty Level ($16, 245/year for an individual) to be eligible for Medicaid

• Allie could remain covered under her parents' plan through the age of 26
• The proposal would expand the program to all individuals with incomes up to 150% of the Federal Poverty Level ($16, 245/year for an individual)

• Adam would receive be eligible to receive subsidies to purchase health insurance from the Health Insurance Exchange
• If Adam still cannot afford to purchase insurance, he may be eligible to apply for a "hardship waiver" (terms of the waiver are yet to be determined)
• Under both proposals, the Health Insurance Exchange would allow individuals to choose between public and private insurance options
• Insurers that are part of the Health Insurance Exchange will not be allowed to charge higher premiums or refuse coverage based on pre-existing conditions

• Vivian could receive assistance to buy insurance from the Health Insurance Exchange, and her out-of-pocket medical costs would be capped
• There is a plan to implement a public health insurance option which would stimulate competition among insurers, provide required benefits, and hold the down the price of insurance premiums
• If the family still cannot afford to buy insurance, they could apply for a hardship waiver (terms of the waiver are yet to be determined)

• Josh and Leah could keep their current plan
• Employer-sponsored health plans would have to meet reform standards of coverage within 5 years of the reform bill being signed in to law

• Josh and Leah could keep their current plan

• Compliance standards of old health care plans with new health care reform bill are yet to be detailed in the proposals

• The family would pay less in premiums because insurance companies on the proposed Health Insurance Exchange would not be allowed to discriminate against Laura due to her hypertension

• IF the family chose NOT to purchase health insurance: they would pay a $1,282 in penalties (2.5% of income over a certain level)

• IF the family chose NOT to purchase health insurance: $750/uninsured person, which equals $2,250

The couple is NOT required to provide health insurance to their employees, or help with employee premiums because:

• The business's annual payroll is under $500,000

• The business has fewer than 50 employees

IF the couple decides to provide insurance for their employees through the proposed health insurance exchange:

• They would receive tax credits to help pay the premium costs
• Credits are available to employers of up to 50% of premiums if the employer has 10 or fewer employees with average wages of $20,000 or less

• Phase I (for tax years 2010 through 2013): provide a tax credit of up to 35% of the employer’s contribution toward the employee’s health insurance premium if the employer contributes at least 50% of the total premium cost. Full credit will be available to employers with 10 or fewer employees and average annual wages of less than $25,000. The credit phases-out as firm size and average wage increases.
• Phase II (For tax years 2014 and later): for eligible small businesses that purchase coverage through the state Exchange, provide a tax credit of up to 50% of the employer’s contribution toward the employee’s health insurance premium if the employer contributes at least 50% of the total premium cost. The credit will be available for two years. The full credit will be available to employers with 10 or fewer employees and average annual wages of less than $25,000. The credit phases-out as firm size and average wage increases.

The Family:

• Jacob and Sarah can keep their current plan
• They would have to pay $10,800 in surtax imposed on couples with an adjust gross income above $1,000,000

• Jacob and Sarah can keep their current plan
• No surtax imposed on Jacob and Sarah

The Business:

• Jacob's restaurant would have to offer all full-time employees health insurance OR pay $45,000 (6% of payroll) into the Health Insurance Exchange Trust Fund to help finance health insurance via Exchange
• Jacob could purchase insurance via the Health Insurance Exchange a year after it is established (the exchange will be open to employers with 10 or fewer employees the first year; 20 or fewer employees the second year; possibly larger over time)

• Jacob's restaurant would not have to offer health insurance to its employees
• Proposal ONLY requires employers with 50 or more employees to contribute to health insurance premiums