How Will The New Health Insurance Laws Affect You

I think that many of these reforms are good, but I do worry about how it will all be paid for. I see more increased taxes for high income earners, but I worry that it may trickle down…

Also, check out this detailed time line of the health care reform bill in an easy to read picture form: http://www.healthinsuranceproviders.com/health-care-reform/

I think some reform was past due. I think this bill is too expensive. I think major changes need be made to this bill. I was a town hall meeting yesterday on this issue. The congressman was blaming Bush for the waste and abuse in Medicare and now with this bill waste and fraud won’t happen. The crowd laughed. Good golly Medicare waste and fraud has been going for years. I am sure 2000+ pages will stop the fraud. NOT!

Yes, it was way past time for a major health care reform, but I’m not too happy with it as written. As a middle-income family guy with health insurance, I can only see my insurance costs rising. The insurers will be forced to insure more people and will pass the rising costs onto other members of their plans.

The politicians should have attacked the wasteful medical spending, rather than throwing more money at the problem.

Children’s health care coverage is still not a guarantee…..

Hours after President Barack Obama signed historic health care legislation, a potential problem emerged. Administration officials are now scrambling to fix a gap in highly touted benefits for children.

Obama made better coverage for children a centerpiece of his health care remake, but it turns out the letter of the law provided a less-than-complete guarantee that kids with health problems would not be shut out of coverage.

Under the new law, insurance companies still would be able to refuse new coverage to children because of a pre-existing medical problem, said Karen Lightfoot, spokeswoman for the House Energy and Commerce Committee, one of the main congressional panels that wrote the bill Obama signed into law Tuesday.

However, if a child is accepted for coverage, or is already covered, the insurer cannot exclude payment for treating a particular illness, as sometimes happens now.

All of these are excellent points! Health insurance reform should have addressed the problem of rising medical costs.

Section 10909 of the bill renews and expands the adoption tax credit. Personally, this is huge for my family. Adoption is so ridiculously expensive and the adoption tax credit is often the single thing that allows some families to adopt.

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I am actually worse off with the passing of this bill. Right now, I don’t have health insurance and as a matter of fact, I don’t need one. For the last ten year that I have been in America, I have never gotten very ill or injured to the point where I would need major medical care. I wish, within this new law, there is a provision that gives people the option of not having a health insurance.

When does the law go into effect? I have a 19 year old at home that isn’t covered by our insurance now and he needs to be.

I wasn’t aware of this. I need to read up on this section.

I believe that the covering of financially dependent children is in effect now. I can double check that for you.

How will the new healthcare laws affect someone who gets cancer that has insurance? I know they can no longer drop you for that, but can they make your rates much higher where you can no longer afford to keep the health insurance? Or is the government limiting the % they can raise it one you get sick? Thanks!

the new law concerning medical insyrance is complete horse crab. I can be fined if i have no insurance? That sounds alot like socialism. This is not the country that I was born in. This President admin. has no idea what the common citizen who has a low income goes through on a daily basis. If this is a start of Obama’s change , then we as Ammericans are in trouble. Most Americans can’t find gainful employment let alone health insurance. And on top of that we face a fine that increases over time. This is unacceptable. Thank You Hilary Clinton. God Bless America and chose your reps and congressman wisely with informed choices not just who is the “sexy” pick. Thank You

i work for a medical place who is making it mandatory for us to get the insurance that they are providing us the cost is high and it a insurance company i dont like . can they make u take they insurance . do we as employer ‘s have a choice can we choose outside of the work place to choose a insurance we want and what we can pay for ? besides i thought we have until 2014 to have this taken care of our office gave us only less than 3 days to deal with this what is my right on this health law?

First is this comments or questions? All I see are questions and poor grammar. Several points are confusing here. Are we actually helping low and moderate income families? I sounds like we are making it worse for everyone all around. Forcing poor people to pay for insurance they do not need, forcing insurance companies to provide no limits to everyone (they will eventually need a bail out), forcing small businesses to offer insurance to they’re employees…. Another thing that seems confusing; if there are 50 or fewer employees the company gets a tax credit only if the employees are paid over an average of $50k how is this beneficial to low income families? $50k is not low income where I come from shouldn’t it be if they make less than that? Sounds like they are helping the rich ones again. Also the penalties are much much larger to employers who cannot offer insurance- obviously if a business cannot offer insurance they cannot pay thousands for every employee they have just for a penalty not even to provide insurance for the employees. What happens to the penalty money anyway? If we as employees get the option to enroll or not- it would be more beneficial to me not to enroll because the penalty they impose will cost me less than the premiums I would pay. Increasing the penalty tax for all non-qualified medical expense distributions from health savings plans from 10% to 20%??? I’m sorry but if I put the money in the savings plan, and I earned the money, then who the hell are you to tell what I can and cannot do with it? What justifies you getting a chunk of it anyway? An excise tax on the “Cadilac Insurance Plan” Maybe this an effort to go after the rich, but it still isn’t what I had in mind. If the insurance costs more than $10k for one person and you work in a “high risk” environments, isn’t that enough? Those are not the people who should pay more; they are already being raped in premiums. One last thing people over 65 get to stay at their 7.5% threshhold for claiming itemized deductions (as oppsed to 10% for everyone else)??? Aren’t they on the list of people that this is supposed to help? Don’t they have more itemized deductions than everyone else? Isn’t their health expense higher than everyone else? So I ask again who are we helping?

I have always had health ins. Till June, I started a new job and my letter of previous ins. Coverage did not get to me till the 64th day. I sent it to my employer and was told it was to late to het ins. Everything would be considered preexisting. The cut off was 64 days. Now I am told I have to pay for ins. For a 18 months before I can claim anything so it won’t be preexisting. High blood pressure is my only problem. Now that I don’t have ins. How will this affect me. My ins. With my company before it got dropped was 650.00 for myself and my husband. That was with the Co. Paying a portion. How are we expected to live….. Work for ins., and gas. One of my pay checks went for ins. and one went for gas. The other 2 gos for gro. House note, car note, car ins., light bill, water bill, food, school lunches for my kids is over 300.00 a month. We are sinking fast as a nation. We have to be able to live. I work on average 80+ hrs a week to make ends meet and attend school online full time. I can’t handle another bill….. Will this cost me more money?

I am 19 and a dependent to my parents, but my health insurance was still cut on my birthday(Nov. 3). I had All-Care Healthy Families. Was mine cut because of my parents, or are some companies exempt?