We present the Facts on Obama Care (ObamaCare) / the Health Care for America Plan. Our goal is to help you understand the basics of the ObamaCare health care plan and bill, so you can decide for yourself what you think of ObamaCare, based on the facts and not the News Radio / TV opinions.
ObamaCare, Obama Care and health care reform are all the same thing. The official name for "ObamaCare" is the Patient Protection and the Affordable Care Act, a bill signed into law to reform the health care industry.
Some aspects of ObamaCare health care reform are already enacted. The Patient Protection and Affordable Care Act was signed into law March 23, 2010. Over 100 million Americans have already benefited from the new health care law.
ObamaCare requires that all insurance plans cover preventive services and stops insurance companies from dropping you when you are sick, as well as offering a number of other reforms and protections.
After you get done reading the ObamaCare facts check out our full, in detail, summary of Obama Care to get the facts on how Obama's health care reform will really work: Healthcare Reform Summary
ObamaCare is a hot button political issue and both sides of the isle will try to persuade you for or against it. Get THE FACTS on ObamaCare and American Health Care Reform.
ObamaCare's goal is to provide affordable health insurance for all US citizens and to reduce the growth in health care spending.
ObamaCare does not replace private insurance, Medicare, or Medicaid.
The Fact is ObamaCare gives 47 million women access to preventive health services and makes it illegal to charge women different rates than men. Get more ObamaCare Women's Health Services Facts
ObamaCare gives seniors access to cheaper drugs, free preventive care, reforms Medicare Advantage, and closes the Medicare Part D 'donut hole. The AARP agrees, costs won't rise because of ObamaCare, if anything, the improvements to the system will decrease the average cost of health care for seniors.
1 in 2 Americans have a "pre-existing" condition they could be denied health insurance for. ObamaCare chips Away at pre-existing conditions until 2017 when there are no more pre-existing conditions for anyone, including high-risk customers.
54 million Americans with private health insurance now have access to preventive services with no cost sharing due to the new minimum standards of ObamaCare.
ObamaCare doesn't ration health care; it protects consumers from the health care rationing insurance companies have been doing for ages.
ObamaCare reduces the growth in healthcare spending. The current $2.8 trillion U.S. healthcare system costs almost $9k a year for every man, woman, and child.
Did your health insurance premium go up? The fact is ObamaCare enacted a number of consumer protections, including a rate review provision, where insurance companies have to justify rate hikes above 10% to your State and post details online immediately. Yet, many Americans are still seeing their premiums rise at alarming rates. Learn more about ObamaCare Insurance Premiums
ObamaCare is the first step toward true health care reform in the US. The fact is about 60 percent of all personal bankruptcies in the US are related to medical bills. Find out more Health Care Facts
Other insurance reforms to curb the cost of premiums are already in effect as well. These include a Medical Loss Ratio policy and other accountability measures. Many more protections go into effect in 2014. So far, the average insurance premium has gone down. Americans saved $2.1 billion due to the new ObamaCare consumer protection provisions in 2012 alone.
ObamaCare means 21 new taxes. Get the facts on how they will affect you, your family and your business. ObamaCare Taxes Facts
We've created a detailed ObamaCare Facts timeline of every protection, benefit, and tax laid out by the Affordable Care Act Bill from 2010 to 2022. Health Care Reform Timeline
ObamaCare ensures that there are no out-of-pocket costs on patients receiving mammograms and colonoscopies which are two of the most widely used forms of preventive health care.
ObamaCare's new Medicare Value-Based Purchasing Program means hospitals can lose or gain up to 1% of Medicare funding based on a quality v. quantity system. Hospitals are graded on a number of quality measures related to treatment of patients with heart attacks, heart failures, pneumonia, certain surgical issues, re-admittance rate, as well as patient satisfaction. ObamaCare Medicare
ObamaCare's insurance reform helps to insure millions of Americans each year. 48.6 million Americans went without insurance during all of 2011, compared to 49.9 million in 2010. The rate of uninsured decreased from 16.3% to 15.7%, the biggest percentage drop since 1999 due to the Affordable Care Act.
ObamaCare takes measures to prevent all types of discrimination in regards to your right to health care, including discrimination based on gender, income, and health issues.
All Americans have the option to stay on their current healthcare plans (provided the plan meets the requirements set forth by ObamaCare). No one, including seniors, will be forced not to have healthcare. That's an ObamaCare fact.
ObamaCare reforms and expands Medicaid to an estimated 15 million of our nation's poorest. That's 6.1 million less than the last estimate due to States opting-out out of providing coverage, despite 100% federal funding for the first 3 years and 90% thereafter. ObamaCare Medicaid Expansion
States will have to spend millions on Medicaid over the next ten years regardless of whether they implement Medicaid Expansion. However, states that do implement ObamaCare's Medicaid Expansion will reap billions in additional federal dollars.
Obamacare mandates that Medicaid payments be raised to the same level Medicare pays doctors. While it varies from state to state, primary care physicians will see an average 73% pay increase. This will make it easier for new Medicaid recipients to find doctors willing to take Medicaid.
25 States have opted out of setting up a State Run Health Insurance Exchange. This leaves the federal tax payer responsible for providing care for their constituents. 19 are running State Exchanges, while 7 have set up Joint State / Federal Exchanges. Find out more about ObamaCare's State Run Exchanges
ObamaCare makes it illegal for health insurance companies to terminate coverage for any reason other than customer fraud.
ObamaCare provides $20 billion in tax credits for as many as 4 million Small Businesses to offset the cost of purchasing insurance on the Health Insurance Exchanges.
Medicare and Medicaid both help to prevent "price gauging" by hospitals. The reforms ObamaCare enacts help to strengthen these protections.
Only the top 3% of small businesses will have to pay the additional 0.9% ObamaCare Medicare tax increase.
Only .2% of businesses have over 50 employees and don't already offer insurance to full-time workers. Providing these folks with insurance is the only "employer mandate" in ObamaCare.
Over half uninsured Americans are small business owners, employees or their dependents. Learn the Truth Behind the ObamaCare Small Business Taxes, How They Affect America's Biggest Job Creators.
Want single payer? By 2017, states will be able to get a waiver to set up their own approved health care solution, as long as it meets the standards of ObamaCare.
Starting OCT 2013, insurance companies will compete to be your healthcare provider via a health insurance exchange pool. This helps to decrease insurance premiums for all Americans.
The CBO estimates 19 million Americans (of the 23 million estimated to use the exchange) will receive Tax Credits to Purchase Insurance on the Exchanges.
Due to Tax Credits and up-front assistance, Americans making less than 400% of the FLP (roughly $88k for a family of 4) could see up to a 60% reduction in the cost of health insurance premiums.
Employers can use SHOP, a part of the exchange, to purchase affordable coverage for their workers saving employers up to 50% of low to moderate earning workers premiums in the form of tax credits.
Uninsured Americans cost the American healthcare system an additional $49 billion. Only 12% of uninsured families pay their hospital bills in full, this includes families making over $88k a year. These costs affect the rising cost of insurance premiums; ObamaCare helps to reduce this spending drastically.
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.
ObamaCare allows newly insured Americans to choose any available participating primary care provider, OB-GYN, or pediatrician in their health plan’s network, or emergency care outside of the plan’s network, without a referral.
ObamaCare prevents insurance companies from limiting the number of benefits a customer can receive in their lifetime.
Members of Congress will purchase their health care through the health exchange like the rest of us (who chose not to opt out and pay a tax, are covered by Medicaid or choose to stay on their existing insurance) Get more facts about the ObamaCare Insurance Exchange
In 2011, ObamaCare helped around 86 million Americans use free preventive services that had previously been subject to co-pays or deductibles.
ObamaCare aims to improve community health care centers in an effort improve health care for those who cannot afford private health care.
ObamaCare doesn't increase the deficit. It is projected to cut the deficit by over a trillion dollars over the next two decades.
ObamaCare offers countless benefits and protections that have been rolling out since 2010 and continue into 2022. Find out more about the Benefits of ObamaCare
In 2013, American employers with 25 or less full-time employees may receive tax breaks of up to 35% (25% non-profits) of the cost of their employees' insurance premiums. In 2014, it increases to 50% (35%).
Employers with more than 50 employees must insure their workers or pay a tax (like the current state run unemployment and workers compensation programs)
ObamaCare won't cause 650,000 jobs to be lost as some of its detractors say (the number isn't even in the CBO report on The Affordable Care Act). The often misrepresented quote stated that part of the job loss ObamaCare creates is from employees who cut back their hours, since they will no longer have to rely solely on their jobs for their family's health care. In fact, ObamaCare's effect on job growth in Government jobs and Health Care rivals job loss in other markets.
Although ObamaCare hasn't resulted in job loss, the "employer mandate" has resulted in a number of full-time workers having their hours cut back to part time in order for employers to avoid providing their full-timers with health insurance.
ObamaCare doesn't regulate health care, it regulates health insurance. What is ObamaCare?
If an you or your family chooses not to purchase healthcare through the Online Health Insurance Exchange, they can still buy private insurance, get insurance through their employer, Medicare, or Medicaid. Those who chose to not purchase insurance will pay an income "penalty" tax to help cover the rest of us. In other words, it's a tax, not a mandate; no one is actually forcing you to have health insurance.
Obamacare cuts $716 billion of waste from Medicare and reimbursements to private Medicare Advantage plans and reinvests it into Obama's health care reform. In other words $716 billion is saved and then $716 billion is reinvested back into ObamaCare and Medicare. Doctors and hospitals almost universally agree on this reform.
19 million Americans will receive tax credits to help pay for healthcare and most middle class Americans will actually save thousands on healthcare via tax cuts.
The Affordable Care Act is sometimes called the ACA for short.
ObamaCare reduces costs of premiums to millions of families and small businesses and provides billions dollars in tax relief – the largest middle class tax cut in health care in history.
The healthcare industry, specifically doctors, will be rewarded for quality over quantity.
• The Affordable Care Act allows religious institutions to choose to be exempt from providing controversial contraception and reproductive health services to women. Multiple businesses have also received an exemption after taking the ruling to court.
Although some businesses have won injunctions allowing them to avoid the "contraception mandate", there have been a number who have lost their cases including Hobby Lobby.
The Affordable Health Care Act doesn't just focus on insurance, it also reforms the parts of the healthcare system that aren't working, or are costing the tax payer money. For example, by focusing on preventive measures instead of just treatment, ObamaCare will save tens of billions of dollars and tens of thousands of lives.
The ObamaCare fact is the average American will save money under ObamaCare. In fact, many Americans are already paying less for health care services.
ObamaCare cuts the national deficit by over two hundred billion dollars during it's first 10 years.
ObamaCare aims to make it easier for small businesses to provide coverage to workers by offering Tax Credits to employers who enroll their workers in private healthcare plans.
One of the main goals of ObamaCare is to ensure that all preventive care will be free on all insurance plans. Private insurance plans, that are grandfathered in and are all ready in place, may be exempt until they lose their grandfathered status.
MOST IMPORTANTLY: The "ObamaCare" Bill is currently signed into law. There are many people who would like to see ObamaCare repealed. If ObamaCare is repealed, tens of millions of Americans will be without proper health coverage, and insurance companies will continue to be able to deny coverage for pre-existing conditions. Without healthcare reform America will continue to suffer the consequences of a health care system controlled by private companies, whose bottom line is money and not health. Help ObamaCare Facts to spread the truth about President Obama's health care reform.