Health Reform 101: If you have health care, you still benefit. (Take Action Today)
Health Care is in the air. But if you’re like a lot of Americans, you probably have health insurance through your job. And for the most part, you’re happy with it.
But what if you become one of the tens of thousands of Americans losing their job each week? Or what if your employer dramatically hikes your premium, cuts benefits, or drops your coverage?
Yesterday, leaders of both parties met to make another attempt at ironing out their differences on health care reform. Opponents of reform will argue we must toss out what’s on the table and start over. This is why we are reviewing the benefits of health reform with you and asking you to take action today.
If you have coverage, this bill still offers:
- Security from a benefits cut: if you have decent coverage now through your job, you keep it. But if your employer suddenly drops your health coverage, or makes you pay more than eight percent of your salary on your premium, you could get credits or vouchers to help buy your own affordable policy in an insurance shopping mall, or ‘exchange.’
- Security if you lose your job: If you hit a rough financial patch, are laid off from your job, or suddenly have a lot less income coming in, you can buy your own policy through the exchange. The less money you have coming in, the cheaper the policy.
- Help for your older children: Do you have grown kids having trouble finding a job? Your kids can stay on your policy until they turn 26 – and they don’t have to be full-time students.
- Small businesses tax credits will help pay up to 50% of the cost of coverage for these smaller employers. Small businesses can also buy policies for their workers in the exchange, giving their employees a wide range of quality options.
- Seniors will get more benefits and a more stable Medicare program. Medicare, which is facing bankruptcy in seven years, will be fully funded until at least 2026. And seniors will get all their preventive care covered at 100%, more of their prescription drug costs covered by shrinking the infamous ‘donut hole’ coverage gap, and more programs to keep them in their own homes and out of nursing homes.
Yesterday lawmakers in Washington engaged in a (hopefully) final debate on health care reform. The Health Care Summit was extensive and included leaders from both parties.
This issue simply cannot wait any longer. Our patience’s has been tested and our understanding is maxed out.
For more information on this legislation and the health care debate, visit:PrescriptionForChange.org.
Photo courtesy of ProgressOhio on Flikr.
Written by Susan Herold. Senior Web Editor, Consumers Union.