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Sequester Defined
           ObamaCare
           FACTS
Posted Monday, September 23, 2013
Updated Monday, September 30, 2013
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Commentary
This entry was posted Monday, September 23, 2013 and will be updated as new information is verified ( filed under  Keeba’s
Commentary.
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Keeba Smith is a published writer and desired screenplay artist.  She is the author of Shades of Bright Pale and many other
unacquainted writings. Please visit
www.Keeba.org to find out more about Keeba Smith, read additional critiques and her
unpublished autobiography,
“Spirit in the Dark.”
© 2013
Because there is so much misinformation about the Affordable Care Act a.k.a. ObamaCare, I
thought it would be wise to share what I KNOW to be factual.

The purpose of the Affordable Care Act is to reduce in health care spending while proving quality
health care.

Currently more than forty million Americans do not have health care.
The Facts About The Affordable Healthcare Act aka ObamaCare:

  • Those who are uninsured will be able to purchase insurance for less than $100.00 per
    month.
  • For those who are searching for insurance, can find information at https://www.healthcare.
    gov/.
  • People can purchase insurance if you have a preexisting condition such as cancer, diabetes,
    dialysis, etc.
  • There are 53 insurance plans to choose.
  • If you are on Medicare or Medicaid, you do not need to signup.  However, if you are on
    Medicare or Medicaid but have to pay for your own prescriptions, you might be able to find
    a cheaper prescription provider at https://www.healthcare.gov/.
  • Most people who have health insurance through their employer will not have to do anything
    different.
  • If you do not have insurance and refuse to buy it, you will be penalized EVERY year
    through your taxes.
    About 26 million people are projected to be exempt from having to obtain health coverage.
  • Insurance companies cannot impose lifetime limits on you, so if you get really sick, or a
    member is really sick, the insurance company cannot not just cut you off at a certain point.
  • Young people are allowed to remain on their parents’ health care plan up to the age of 26.
  • If you do not have health insurance or buying insurance on the individual market, meaning
    you just got to go out there and shop, you can compare prices at https://www.healthcare.
    gov/.  (Some States are setting up websites, but the https://www.healthcare.gov/website
    will tell you the kinds of help you will get from the government.
  • In states such as New York, the premiums are going to be 50% lower.  In California it is
    33% lower.
ObamaCare FACTS
Unfortunately, this is all I have as of today, Friday, September 27, 2013
  • Those who are uninsured will be able to purchase insurance for less than $100.00 per month.
    Although I have heard this is true, I have also heard there is more to it than just simply paying less than $100.00
    per month, as there it will take work and dedication in shopping and what you are willing to forgo in your insurance
    options.  It sounds simple, but it is not.
  • For those who are searching for insurance, can find information at https://www.healthcare.gov/.
  • People can purchase insurance if you have a preexisting condition such as cancer, diabetes, dialysis, etc.
    Currently, there is a 365 waiting period for those with preexisting conditions.
  • Limited dollar limits:
    As of September 23, 2012, the law says annual dollar limits must be no less than $2 million.
    However, in January 2014, limits will be eliminated with these exceptions:
     doctor visit limits
     prescription limits
     hospital stay limits
    ObamaCare disallows insurance companies to place limits on the amount of money they spend on covered medical
    expenses.
  • There are 53 insurance plans to choose.
  • If you are on Medicare, you do not need to signup, however, if you are on Medicare but have to pay for your own
    prescriptions, you might be able to find a cheaper prescription provider visit https://www.healthcare.gov/.
    The 101.5 million already enrolled in government health programs like Medicaid, Medicare, CHIP will not need to
    use the marketplace.
  • Most people who have health insurance through their employer will not have to do anything different.
    Currently 170.9 million are already covered by employer insurance.
  • Those who are paying for private health now have access to preventive services with no cost sharing due to the
    new minimum standards.
  • The cost of insurance premiums must be 8% or less of your modified adjusted gross income, when insurance goes
    on sale via the health insurance exchanges in 2014, to be considered affordable.
  • Many Americans will keep their employer-based or current insurance while low to middle income Americans will
    be able to purchase federally regulated and subsidized insurance through online health insurance exchanges.  The
    law implements unprecedented benefits, rules and regulations leading to better quality health insurance.  New
    preventive care provisions and protections include insurance companies no longer being able to deny individuals for
    preexisting conditions or being able to drop their coverage for being sick.  All plans sold on our the insurance
    exchange must now include "ten essential benefits", find out more about ObamaCare Health Benefits or get more
    ObamaCare facts by visiting http://obamacarefacts.com/obamacare-health-insurance-exchange.php. and/or
  • If you do not have insurance and refuse to buy it, you will be penalized EVERY year on your taxes.
    The Supreme Court ruled that ObamaCare is a tax, not a mandate.
    About 26 million people are projected to be exempt from having to obtain health coverage.
  • Americans who cannot afford health insurance will most likely either qualify for Medicare, Medicaid, CHIP or get
    assistance in the form of tax credits or assistance with up-front costs through their State's Health Insurance
    Exchanges (HIX).  http://obamacarefacts.com/obamacare-health-insurance-exchange.php.
  • Senior citizens will receive cheaper medication, free preventive care, reforms Medicare Advantage, and closes the
    Medicare Part D 'donut hole.
    As agreed to by most analysts and AARP, the cost will not increase but in time, the improvements will decrease
    the average cost of health care for seniors.
  • Small businesses will receive tax credits if they enroll their workers in private health care plans.
  • Small businesses can now get better benefits, cost-assistance and better buying power to provide employee health
    insurance via the SHOP (part of their State's Health Insurance Marketplace).
  • The "employer mandate" means that in 2015 larger employers will have to insure their full-time employees and
    their families.
  • Insurance companies cannot impose lifetime limits on you, so if you got really sick, or a member got really sick,
    they could not just cut you off at a certain point.
  • Young people are allowed to remain on their parents’ healthcare plan up to the age of 26.
  • If you do not have health insurance or buying insurance on the individual market, you can shop and compare prices
    by visiting https://www.healthcare.gov/ or you can check individual State website.
  • Premium rebates if insurers do not spend all the money on your heallthcare
    The health law says that most insurers must spend at least 80 percent (85 percent for insurers covering large
    employers) of the premiums you pay on medical care and quality improvements.  If insurers spend too much on
    overhead, such as salaries, bonuses, or administrative costs, as opposed to health care, they must issue premium
    rebates to consumers each summer.
    In States such as New York, the premiums are going to be 50% lower.  In California, it is 33% lower.
    The ACA a.k.a. ObamaCare ends unnecessary rate hikes.
  • Women will have access to a large number of preventive services, which will be completely covered by the
    insurance companies.  (I.E. Mammograms and Colonoscopies are completely covered)
  • There are three types of cost assistance available through ObamaCare's marketplaces:
    1. Advanced premium tax credits, which lower your monthly premium costs
    2. Cost sharing subsidies that lower out-of-pocket costs for co-pays, coinsurance and deductibles.
    3. Medicaid
    (Visit http://obamacarefacts.com/obamacares-medicaid-expansion.php to learn more about how
    ObamaCare effects Medicaid.)
    Up to 82% of nearly 16 million uninsured young U.S. adults will qualify for cost assistance or Medicaid through
    Obamacare's marketplaces.
    1. Emergency services
    2. Hospitalizations
    3. Laboratory services
    4. Maternity care
    5. Mental health and substance abuse treatment
    6. Outpatient, or ambulatory care
    7. Pediatric care
    8. Prescription drugs
    9. Preventive care
    10. Rehabilitative and rehabilitative (helping maintain daily functioning) services
    11. Vision and dental care for children
  • Essential Benefits are provided with no "cost sharing" on every insurance plan sold on ObamaCare's online health
    insurance marketplace.
  • The ACA/ObamaCare does not regulate healthcare but regulates health insurance companies and the cost of
    health care.  Since ObamaCare allows for all Americans to receive affordable health care and people can see the
    doctor for as many times as needed, then ultimately, people will begin to need less medical services.
  • Members of Congress will purchase their health care through the health exchange like the rest of us that chose not
    to opt out and pay a tax, are covered by Medicaid or choose to stay on their existing insurance.
Some of the information below is a repeat, but was
UPDATED MONDAY, SEPTEMBER 30, 2013
This is all I have as of today, Monday, September 30, 2013
LINKS
Click HERE to enroll in the Affordable Care Act/ObamaCare
The following video by the Kaiser Foundation tells you everything you need to know about ObamaCare for 2014 in 7
minutes. The video summarizes what ObamaCare is, what's changing, why it's changing, what costs are associated with
it, who needs to buy insurance, how to get cost assistance, and how you, your family and your business can obtain
affordable quality health coverage for 2014.