September 15th, 2009 
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Barack Obama’s ambitious health care plan is fairly simple and straightforward. His plan seeks to dramatically and swiftly increase the number of people that have health insurance. He insists that this plan will save the typical American family approximately $2500 in annual costs. Since the average Ohio health insurance premium is less than most other states, savings to Ohio residents may average less than $2500.
The Obama plan is designed to give the federal government more control over health care decisions and dollars, a major difference from the current decentralized system of employer-based insurance and state-based insurance regulation. Here in Ohio, health insurers have been effectively held in check by the Ohio Department of Insurance. This, however, is not the case in many other states.
The Obama Plan
Many parts of the Obama plan resemble initiatives from the Clinton health plan of 1994 and the Kerry Health plan of 2004.
Essentially, Obama’s health care plan is divided into three sections:
1. Modernizing the US health care system to lower costs and improve quality
2. Promoting prevention and strengthening public health
3. Quality, portable and affordable health coverage for every person
The “Savings”
The $2500 in savings will come from health care reform, using some of the following initiatives:
*Making health insurance universal, which may reduce spending on uncompensated care.
*Improving management and prevention of chronic conditions.
*Increasing insurance industry competition and reducing underwriting costs and profits.
*Providing reinsurance for catastrophic coverage, which will reduce insurance premiums.
Shifting Cost Burden
While all of these ideas are feasible, the underlying theme seems to be simply shifting some of the cost burden from the private sector to the government. And of course, much more control of our health dollars and decisions would come from Washington D.C and not Anthem or UnitedHealthCare.
The Obama plan will actually compete directly with Ohio private health insurance companies in a “National Health Insurance Exchange.” The federal government (not health insurance carriers) would determine the quality of health benefits that Americans would receive. And these new rules would apply to both the new national health plan and all participating private health plans.
Preventative Coverage Would Be Emphasized
Obama’s health care plan will encourage “healthy lifestyles” with specific emphasis on wellness. Employer wellness programs will be increased, and cafeterias and vending machines in the workplace may see healthier food.
School-based health screening programs may increase along with increased support for physical education.
For Ohio individuals and families, the Obama plan would require preventative services on many federally-supported health programs such as Medicare, Medicaid and SCHIP. One benefit may be possible discounts to on health insurance premiums for enrollment in wellness and prevention programs.
Currently, some Ohio individual health insurance policies offer a similar discount, such as Anthem’s Lumenos Health Incentive Account (HIA).
Ohio Group Health Insurance
Employer-based health insurance would radically change under the Obama plan. Here in Ohio, both small and large employers are able to choose among many different health plans for their employees. The Obama plan would force employers to offer a specific level of health benefits to their employees or pay a tax to finance a national health program. Currently, the amount of provided health benefits and the size of the tax have not been specifically discussed.
Perhaps the best and most economical health insurance plan for Ohio residents would be a concept already in place…HSAs (Health Savings Accounts). Thus, instead of imposing a top-down change on the health care system, it would seem to be prudent to transfer direct control of health care dollars to individuals and families. This would allow Americans to choose their own health plans and benefits, while making health insurance companies compete directly for consumer’s dollars by providing a real value to patients.
All of this could be accomplished by specific tax and regulatory changes designed to utilize the power of free-market competition. Health care spending could be reduced, preventative treatment could be emphasized and portability could be promoted. Reforming the tax treatment of health insurance and aiding employers that help their employees buy health insurance would help quite a bit.
For now, Ohio health insurance rates are remarkably low compared to many other states. There are many reputable health insurance companies that offer a wide array of policies, including Health Savings Accounts. That shouldn’t change much for the next two years. In 2011, things might change…hopefully, for the better.
For additional information on Ohio health insurance plans, or an instant Ohio health insurance quote, please visit http://www.ohioquotes.com
Watch the video related to health insurance
FORWARD THIS VIDEO! Join the fight: sickforprofit.com What does UnitedHealthcare CEO Stephen Hemsley have to lose if Congress passes real healthcare reform this year? Well, for starters, his nearly three quarters of a billion dollars in unexercised stock options might lose a few pennies on the dollar. What does Isabella, a four year-old girl in Winsconsin who is physically incapable of eating and has had to be tube fed her entire life, have to gain from healthcare reform? The treatment she …
Help answer the question about health insurance
What individual health insurance is good but cheap in Forida?Hey. Please somebody help me. I am employed but don't get any health insurance. I am 27 and single and need a good health insurance but cheap. I live in Florida. Can somebody can help me with that?
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True about the illegals. I can’t see that we completely deny them of , for example; basic immunizations shots or vaccinations to prevent the spread of diseases. Those pennies saved would be $ foolish if we get another major flu pandemic.
Right now I feel that ‘insurance companies’ should not be in the business of health care, not with their current policies in place where they can deny families especially if it involves children born with pre existing conditions, because it is not profitable.
Insurance companies should just stick to the business of Home, Automoblie, maybe, just maybe Life insurance.
If we can subsidize the farmers, why we can’t subsidize the medical industries? And kick the crooked insurance business.
Check out this site to find the best health insurance just in one minute,
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Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.
Best Wishes,
1) Most employer provided health insurance is deducted "pre-tax" so there is no deduction on the tax return.
2) Your parents must be your dependents (or would have been your dependents except for the gross income test) for you to take a deduction anyway. So, unless you are supporting them: No.
When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday.
If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay everything until he hit the $250 deductible, then the insurance would kick in. (the same goes for the family coverage, until the $500 was met by everybody in total – not separately – you would pay 100%).
Now, once the deductible is met, the insurance starts picking up some of the costs…usually the costs are based on what doctor or provider you use. If you use someone who is called "in network" the insurance company pays more of the bill. They do this because they have negotiated lower costs with that provider. For example, let's say you need to have some tests done and your family has met all your deductibles. Let's also say the tests normally cost $200. If you go to an in network provider, the insurance would cover 80%. If you go out of network, the insurance might only cover 70%. Now the nice thing is, by going in network, you get the discounted price, let's say $160. So, if you go in network, you would pay $32 for the tests and the insurance would pay $128 (totaling $160). If you went out of network, you would pay the 30% of $200 or $60 and the insurance company would pay $140. So, by staying in-network, both you and your insurance company save money.
Also, there is something called an out-of-pocket maximum. This just means that if someone in your family gets real sick or injured, the most you can pay for that year is the out-of-pocket max…say $5,000. Once you hit that, everything after that is covered 100% by your insurance and you don't pay anything.
Last, there is a co-pay – what this means is that if you go to the doctor for a routine visit, it is usually covered without worrying about the deductible and you pay just the co-pay. usually this is $15 or $20 on say a $100 office visit and the insurance company pays the rest (based on a negotiated amount).
And that's the short version of how insurance works.
You've asked a very broad question. There is no simple answer.
In truth, health insurance works a little differently in each state.
To answer your specific questions:
1) No, health insurance is not compulsory for everyone. If you're lucky, you are able to join a group policy at work. (If you're really lucky, it's a good policy and the employer pays at least half of it.) Some states have recently made it compulsory, but that's such a recent change that there's no clear cut answer yet for how that's going to work.
2) What happens if someone can't afford it is… they don't get it, usually. Except if your income puts you below the "poverty level", in which case you qualify for Medicaid. (In some states there are programs that typically provide assistance with insuring children, though they are few and far between for covering adults.)
3) Health insurance rarely covers all the bills when you have a procedure done. Most plans cover 50-80% after you meet your deductible. The deductible amounts vary widely (but the trend is that the deductibles are getting higher and higher to keep the premiums down.) If you're really, REALLY lucky, you don't have a deductible (which is only an option on group plans), and you may only have to pay 10% of covered charges. (These plans are few and far between. As in, you might have them if you're in Congress.)
4) Yes, the patient has some say over procedures. However, if the patient opts for an "experimental" procedure, or one that isn't deemed "medically necessary", then health insurance may refuse to cover any charges at all.
In the end, as with most things, the middle class takes the brunt of these costs. This has become such a problem that more than 50% of all bankruptcies are as a result of medical bills (and of those, more than 75% had health insurance.)
** Edited to add:
It's not ALL about the money when a procedure is involved. If it is, the state keeps track of complaints filed on behalf of consumers with "managed care" (ie. any type of network arrangement including Preferred Provider Organizations, Health Maintenance Organizations, and Point of Service organizations — also known as PPO, HMO, and POS) and may very well revoke a company's charter to do business in the state should the company be turning down too many legitimate claims.
However, insurance companies are sticklers for following the "standard" for medical care. This is what makes it difficult to answer your question. Because they should not deny anything that's considered standard for care in the given circumstances (should not and will not being two completely different things, of course.) And there may be several options that would be considered "standard." If the patient wants treatment that isn't yet considered "standard", they would balk. Period.
“entitlement mentality”?
How do you live with yourself?
Then again, maybe you’re right. We should privatize the police and fire department too, yes? That way, when someone breaks into your home, you’ll have to call an insurance company to get approval to send the cops. At least, that’s the system you’d really want if you weren’t conditioned into such an “entitlement mentality”, eh comrade?
Most insurance will cover the costs you mention if the doctor thinks it is medically necessary. Check out this site to find the best health insurance just in one minute,
http://best-free-health-insurance-quote-usa.blogspot.com/
Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.
Best Wishes,
Nice post really enjoyed this one thanks.
Health insurance can be very tricky. Since I live in Utah I'm not sure about Florida laws and regulations, so I suggest you contact a nearby insurance agent. Check out this site to find the best health insurance just in one minute,
http://best-free-health-insurance-quote-usa.blogspot.com/
Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.
Best Wishes,
esoteric714 -
And don’t forget, when your house is burning down, you got to remember to call the RIGHT private fire department, which may not be the nearest to your house, then wait while they verify that you have the RIGHT coverage before they’ll come on out and see what they can do about that pesky fire …
This is why the fire department was added to the commons a long time ago and operates as a non-profit.
I am too is confused about ‘armyofnerds’ replies? So CA pays the airfare to illegals. Don’t the airline benefit from such business? Of course hopefully its an US carrier such as SouthWest or AA or United. Now let’s not assume that illegals all come from South of the border, instead they are from Europe, Africa or Asia. Would not a plane be the only option for these illegals? I mean after all we cannot put them illegals on a dingy. Human Rights groups will be hard on us like a load of bricks.
You can compare the quotes of various company here:
For Life Insurance :
http://free-best-life-insures-comparator-usa.blogspot.com/
For Health Insurance
http://top-usa-health-insurance-comparator.blogspot.com/
Hope this help
why does’nt obama give the clunkers to the kenyens?where he was born
You’re right about “close minded people,” and about the need for change in health INSURANCE, but this video will get you nowhere in understanding why.
You don’t read my messages, do you? I do not “just say no!” I want to expand the 29 state’s high risk pools, and finally disconnect health insurance from employment….but if you have actually studied how state insurance mandates UNDER reimburse and stifle, innovation…DAMNIT! I been saying this so damn long!
so i will take the non answer as a yes. and to answer your question, no i am not a member of any group. But i am an american foremost and don’t what a communist dictatorship telling me what to do and what is moral and to divide the wealth. your arguement that universal health care is the moral thing to do and it is a right is complete crap. you have been conditioned into this entitlement mentality. read the history of jamestown. you don’t work-you don’t eat. lazy mental midget.
No.
The insurance through your husband's employer does not meet the test of having been established through the S-corp.
Well, if she's 40 and perfectly healthy, it's going to cost her about $500 a month to have a low/no deductible plan that covers checkups.
You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage – like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less.
The older she is, the less healthy she is, the more it costs.
Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.