Can someone please explain the health care bill?
I don't know what the health care bill is about, so I don't know if I should be angry that it was passed or not. Can someone explain what it is to me in layman's terms please?
- elkdevelLv 51 decade agoFavorite Answer
A huge new amount of taxes for non health related items buried into your health care. Subtitle A--Increasing College Access and Completion
SEC. 101. FEDERAL PELL GRANTS.
SEC. 102. COLLEGE ACCESS AND COMPLETION INNOVATION FUND.
`PART E--COLLEGE ACCESS AND COMPLETION INNOVATION FUND'.
`SEC. 780. PURPOSES.
`SEC. 782. STATE INNOVATION COMPLETION GRANTS.
`SEC. 783. INNOVATION IN COLLEGE ACCESS AND COMPLETION NATIONAL ACTIVITIES.
`SEC. 784. EVALUATION.
`SEC. 785. VETERANS RESOURCE OFFICER GRANTS.
SEC. 103. INVESTMENT IN HISTORICALLY BLACK COLLEGES AND UNIVERSITIES AND OTHER MINORITY-SERVING INSTITUTIONS.
SEC. 104. INVESTMENT IN COOPERATIVE EDUCATION.
SEC. 105. LOAN FORGIVENESS FOR SERVICEMEMBERS ACTIVATED FOR DUTY.
SEC. 106. VETERANS EDUCATIONAL EQUITY SUPPLEMENTAL GRANT PROGRAM.
`SEC. 401B. VETERANS EDUCATIONAL EQUITY SUPPLEMENTAL GRANT PROGRAM.
Subtitle B--Student Financial Aid Form Simplification
SEC. 121. GENERAL EFFECTIVE DATE.
SEC. 122. TREATMENT OF ASSETS IN NEED ANALYSIS.
SEC. 123. CHANGES TO TOTAL INCOME; AID ELIGIBILITY.
TITLE II--STUDENT LOAN REFORM
Subtitle A--Stafford Loan Reform
SEC. 201. FEDERAL FAMILY EDUCATION LOAN APPROPRIATIONS.
SEC. 202. SCOPE AND DURATION OF FEDERAL LOAN INSURANCE PROGRAM.
SEC. 203. APPLICABLE INTEREST RATES.
SEC. 204. FEDERAL PAYMENTS TO REDUCE STUDENT INTEREST COSTS.
SEC. 205. FEDERAL PLUS LOANS.
SEC. 206. FEDERAL CONSOLIDATION LOAN.
SEC. 207. UNSUBSIDIZED STAFFORD LOANS FOR MIDDLE-INCOME BORROWERS.
SEC. 208. LOAN REPAYMENT FOR CIVIL LEGAL ASSISTANCE ATTORNEYS.
SEC. 209. SPECIAL ALLOWANCES.
SEC. 210. REVISED SPECIAL ALLOWANCE CALCULATION.
SEC. 211. ORIGINATION OF DIRECT LOANS AT INSTITUTIONS LOCATED OUTSIDE THE UNITED STATES.
SEC. 212. AGREEMENTS WITH INSTITUTIONS.
SEC. 213. TERMS AND CONDITIONS OF LOANS.
SEC. 214. CONTRACTS.
SEC. 215. INTEREST RATES.
Subtitle B--Perkins Loan Reform
SEC. 221. FEDERAL DIRECT PERKINS LOANS TERMS AND CONDITIONS.
`SEC. 455A. FEDERAL DIRECT PERKINS LOANS.
SEC. 222. AUTHORIZATION OF APPROPRIATIONS.
SEC. 223. ALLOCATION OF FUNDS.
SEC. 224. FEDERAL DIRECT PERKINS LOAN ALLOCATION.
`SEC. 462A. FEDERAL DIRECT PERKINS LOAN ALLOCATION.
SEC. 225. AGREEMENTS WITH INSTITUTIONS OF HIGHER EDUCATION.
SEC. 226. STUDENT LOAN INFORMATION BY ELIGIBLE INSTITUTIONS.
SEC. 227. TERMS OF LOANS.
SEC. 228. DISTRIBUTION OF ASSETS FROM STUDENT LOAN FUNDS.
`SEC. 466. DISTRIBUTION OF ASSETS FROM STUDENT LOAN FUNDS.
SEC. 229. IMPLEMENTATION OF NON-TITLE IV REVENUE REQUIREMENT.
SEC. 230. ADMINISTRATIVE EXPENSES.
TITLE III--MODERNIZATION, RENOVATION, AND REPAIR
Subtitle A--Elementary and Secondary Education
SEC. 301. DEFINITIONS.
CHAPTER 1--GRANTS FOR MODERNIZATION, RENOVATION, OR REPAIR OF PUBLIC SCHOOL FACILITIES
SEC. 311. PURPOSE.
SEC. 312. ALLOCATION OF FUNDS.
SEC. 313. ALLOWABLE USES OF FUNDS.
SEC. 314. PRIORITY PROJECTS.
CHAPTER 2--SUPPLEMENTAL GRANTS FOR LOUISIANA, MISSISSIPPI, AND ALABAMA
SEC. 321. PURPOSE.
SEC. 322. ALLOCATION TO LOCAL EDUCATIONAL AGENCIES.
SEC. 323. ALLOWABLE USES OF FUNDS.
CHAPTER 3--GENERAL PROVISIONS
SEC. 331. IMPERMISSIBLE USES OF FUNDS.
SEC. 332. SUPPLEMENT, NOT SUPPLANT.
SEC. 333. PROHIBITION REGARDING STATE AID.
SEC. 334. MAINTENANCE OF EFFORT.
SEC. 335. SPECIAL RULE ON CONTRACTING.
SEC. 336. USE OF AMERICAN IRON, STEEL, AND MANUFACTURED GOODS.
SEC. 337. LABOR STANDARDS.
SEC. 338. CHARTER SCHOOLS.
SEC. 339. GREEN SCHOOLS.
SEC. 340. REPORTING.
SEC. 341. SPECIAL RULES.
SEC. 342. PROMOTION OF EMPLOYMENT EXPERIENCES.
SEC. 343. ADVISORY COUNCIL ON GREEN, HIGH-PERFORMING PUBLIC SCHOOL FACILITIES.
SEC. 344. EDUCATION REGARDING PROJECTS.
SEC. 345. AVAILABILITY OF FUNDS.
Subtitle B--Higher Education
SEC. 351. FEDERAL ASSISTANCE FOR COMMUNITY COLLEGE MODERNIZATION AND CONSTRUCTION.
TITLE IV--EARLY LEARNING CHALLENGE FUND
SEC. 401. PURPOSE.
SEC. 402. PROGRAMS AUTHORIZED.
SEC. 403. QUALITY PATHWAYS GRANTS.
SEC. 404. DEVELOPMENT GRANTS.
SEC. 405. RESEARCH AND EVALUATION.
SEC. 406. REPORTING REQUIREMENTS.
SEC. 407. CONSTRUCTION.
SEC. 408. DEFINITIONS.
SEC. 409. AVAILABILITY OF FUNDS.
TITLE V--AMERICAN GRADUATION INITIATIVE
SEC. 501. AUTHORIZATION AND APPROPRIATION.
SEC. 502. DEFINITIONS; GRANT PRIORITY.
SEC. 503. GRANTS TO ELIGIBLE ENTITIES FOR COMMUNITY COLLEGE REFORM.
SEC. 504. GRANTS TO ELIGIBLE STATES FOR COMMUNITY COLLEGE PROGRAMS.
SEC. 505. NATIONAL ACTIVITIES.
March 17, 2010
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- freedmanLv 44 years ago
nicely except you're rather unfavourable then no you are not getting loose coverage. Had the liberals had their way then confident you will possibly. In a word politics is why all and sundry is so mad. One you will no longer ought to situation approximately pre latest situations. 2 you have no caps on payouts any greater. by 2014 you're transforming into co ops you are able to connect plus you will ought to purchase coverage or face a great. while you're making too little you may get an exemption. You get a tax deduction while you're making 4 hundred% or much less of the poverty line. And ultimately you are able to stay on your discern's coverage until eventually you're 26.
- CowJudgesYouLv 51 decade ago
1. Everyone who makes over the gov't poverty level-i.e. 22,000 a year- will be forced to buy health insurance or else pay a fine that will be collected by 12,000 new IRS agents that have been hired for this exact purpose.
2. The government will raise taxes on individuals who make more than 10,500 a year and on families who make more than 27,500 a year, as well as place a tax on all investments and drastically increase taxes on people making over 200,000 a year.
3. Gov't will mandate that insurance companies cover people with pre-existing conditions. Now this one is just brilliant. First off, you're forcing insurance companies to take on people with 100% risk: people who are going to instantaneously cost them hundreds of thousands of dollars, if not millions. This violates an economic policy so basic that I can't even believe people are considering this: how can you stay in business if you're forced to take on loss? You can'tL there's only one thing you can do: raise the rates on everyone else who isn't sick. So insurance companies will raise their rates (as the government hasn't passed an any rate caps) in order to pay for the people with pre-existing conditions. And, since everyone is forced to buy insurance, they can't drop their coverage, so they'll have to continue paying the higher premiums or else pay a fine to the gov't. But that's totally fair right?
- 1 decade ago
Dude, today in 2nd period Mr. Hathorn told me it's like 2,000 pages long. And growing. So I really don't think anyone can explain the whole thing. I don't even think that THEY know wtf they are voting on. But this is what I understand so far.. 1) If you are employed you MUST have health insurance, either private or through your employer. 2) If you are NOT employed you will receive national health care.
Feel free to correct me if I'm wrong.Source(s): My 2nd period Geology teacher
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- Anonymous1 decade ago
In short, you are forced to buy insurance. If you don't do it through a private insurance company, the IRS comes after you ( This bill adds nearly 17,000 new IRS agents for just that ).
Your premiums will increase. Your taxes will increase. Your quality of care will decrease. Your choice/freedom will decrease.
- Bill in KansasLv 61 decade ago
We will be forced to purchase health insurance or be fined by the IRS
- Anonymous1 decade ago
More government control.
- Anonymous1 decade ago
Howwould hit it on the head,...more money from us, less care for us. Typical Dumb-o-crat legislation...BOHICA.Source(s): Common sense.
- Anonymous1 decade ago
The suicide rate will increase.
- in vino veritasLv 61 decade ago
WITHIN THE FIRST YEAR OF ENACTMENT
*Insurance companies will be barred from dropping people from coverage when they get sick. Lifetime coverage limits will be eliminated and annual limits are to be restricted.
*Insurers will be barred from excluding children for coverage because of pre-existing conditions.
*Young adults will be able to stay on their parents' health plans until the age of 26. Many health plans currently drop dependents from coverage when they turn 19 or finish college.
*Uninsured adults with a pre-existing conditions will be able to obtain health coverage through a new program that will expire once new insurance exchanges begin operating in 2014.
*A temporary reinsurance program is created to help companies maintain health coverage for early retirees between the ages of 55 and 64. This also expires in 2014.
*Medicare drug beneficiaries who fall into the "doughnut hole" coverage gap will get a $250 rebate. The bill eventually closes that gap which currently begins after $2,700 is spent on drugs. Coverage starts again after $6,154 is spent.
*A tax credit becomes available for some small businesses to help provide coverage for workers.
*A 10 percent tax on indoor tanning services that use ultraviolet lamps goes into effect on July 1.
WHAT HAPPENS IN 2011
*Medicare provides 10 percent bonus payments to primary care physicians and general surgeons.
*Medicare beneficiaries will be able to get a free annual wellness visit and personalized prevention plan service. New health plans will be required to cover preventive services with little or no cost to patients.
*A new program under the Medicaid plan for the poor goes into effect in October that allows states to offer home and community based care for the disabled that might otherwise require institutional care.
*Payments to insurers offering Medicare Advantage services are frozen at 2010 levels. These payments are to be gradually reduced to bring them more in line with traditional Medicare.
*Employers are required to disclose the value of health benefits on employees' W-2 tax forms.
*An annual fee is imposed on pharmaceutical companies according to market share. The fee does not apply to companies with sales of $5 million or less.
WHAT HAPPENS IN 2012
*Physician payment reforms are implemented in Medicare to enhance primary care services and encourage doctors to form "accountable care organizations" to improve quality and efficiency of care.
*An incentive program is established in Medicare for acute care hospitals to improve quality outcomes.
*The Centers for Medicare and Medicaid Services, which oversees the government programs, begin tracking hospital readmission rates and puts in place financial incentives to reduce preventable readmissions.
WHAT HAPPENS IN 2013
*A national pilot program is established for Medicare on payment bundling to encourage doctors, hospitals and other care providers to better coordinate patient care.
*The threshold for claiming medical expenses on itemized tax returns is raised to 10 percent from 7.5 percent of income. The threshold remains at 7.5 percent for the elderly through 2016.
*The Medicare payroll tax is raised to 2.35 percent from 1.45 percent for individuals earning more than $200,000 and married couples with incomes over $250,000. The tax is imposed on some investment income for that income group.
*A 2.9 percent excise tax in imposed on the sale of medical devices. Anything generally purchased at the retail level by the public is excluded from the tax.
WHAT HAPPENS IN 2014
*State health insurance exchanges for small businesses and individuals open.
*Most people will be required to obtain health insurance coverage or pay a fine if they don't. Healthcare tax credits become available to help people with incomes up to 400 percent of poverty purchase coverage on the exchange.
*Health plans no longer can exclude people from coverage due to pre-existing conditions.
*Employers with 50 or more workers who do not offer coverage face a fine of $2,000 for each employee if any worker receives subsidized insurance on the exchange. The first 30 employees aren't counted for the fine.
*Health insurance companies begin paying a fee based on their market share.
WHAT HAPPENS IN 2015
*Medicare creates a physician payment program aimed at rewarding quality of care rather than volume of services.
WHAT HAPPENS IN 2018
*An excise tax on high cost employer-provided plans is imposed. The first $27,500 of a family plan and $10,200 for individual coverage is exempt from the tax. Higher levels are set for plans covering retirees and people in high risk professions.