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HEALTH CAREREFORMWHAT IT
MEANS FOR YOU
WHY DID WE NEED HEALTH CAREREFORM?
WHAT DID WE WIN?
MYTHS AND LIES
WHAT’S NEXT
QUIZ
How many additional Virginianswill get insurance under
the new law?
a. 240,000b. 750,000c. 1.2 milliond. 5 million
How many additional Virginianswill get insurance under
the new law?a. 240,000b. 750,000c. 1.2
milliond. 5 million
How many small businessesin Virginia will potentially
get the tax credits providedunder the new law?
a. 10,000b. 48,000c. 50,000d. 102,000
How many small businessesin Virginia will potentially
get the tax credits providedunder the new law?
a. 10,000b. 48,000c. 50,000
d. 102,000
How many Virginia seniorswill benefit from the
improvements in Medicare?
a. 50,000b. 70,000c. 1.1 milliond. 4 million
How many Virginia seniorswill benefit from the
improvements in Medicare?
a. 50,000b. 70,000
c. 1.1 milliond. 4 million
Why Reform?
$
BANKRUPTCIES
OTHER
OTHER
WHO DO YOU KNOW?
DROPPED
DENIED CLAIMS
DELAYED CLAIMS
Unsustainable: Costs Double
Without Reform• Health Insurance Costs in Virginia went up 83% from 2000-2007
• The average Virginia family’s premiums went from $6,684 to $12,198 in the last decade
• Health insurance rates have grown 8.1% every year compared to wages decreasing 1.2% in recent years
WHO DO YOU KNOW?
HOW DIDWE GET HERE?
WHAT WILLWE GET?
Seniors andthe disabled
Pay full drug costs afterIncurring $3,600 in
Medicare Part D Plans
SENIORS
$250 REBATEThis Year
Seniors andthe disabled
CHILDRENDENIED
COVERAGE
DROPPEDBECAUSE YOU’RE
SICK
ANNUAL &LIFETIME
LIMITS
GUARANTEEOF HEALTHSECURITY
SMALL BUSINESSES
102,600 SMALL BUSINESSES IN Virginia WILL GET TAX CREDITS TO COVER THEIR EMPLOYEES
SMALL BUSINESSTAX CREDITS
< 25 EMPLOYEESAVERAGE WAGES: < $50K
SMALL BUSINESSTAX CREDITS
UP TO 35%
SMALL BUSINESSTAX CREDITS
2014 – 50%
LARGE EMPLOYERS
50+ EMPLOYEES
MAY PAY A FEE IF THEYDON’T OFFER COVERAGE
LARGE EMPLOYERS
< 50 EMPLOYEES
CAN USE EXCHANGES
EXCHANGES
Affordable for Individuals and
Businesses
PREMIUMCREDIT
$88,000FAMILY OF 4
2014 - $95 or 1%
2016 - $695 or 2.5%
FEE FOR CHOOSINGNOT TO BE COVERED
LIMITOUT-OF-POCKET
COSTS$6K – INDIVIDUALS
$12K - FAMILIES
MAMMOGRAMS
COLONOSCOPIES
ANNUAL WELLNESSVISIT
WASTE
FRAUD
ABUSE
IMMIGRANTS
EXCHANGES
MYTHSANDLIES
IT’S AGOVERNMENT
TAKEOVER
MYTH:
BUILDS ON THECURRENT SYSTEM
OF PRIVATEINSURANCE
TRUTH:
NEWRULES
FOR PRIVATEINSURANCE
TRUTH:
MYTH:MEDICARE BENEFITS
WILL BE CUT
BUDGET REDUCTIONS AFFECT INSURANCE
COMPANIES ANDPROVIDERS
TRUTH:
THE NEW LAWINCREASESMEDICAREBENEFITS
TRUTH:
NEXTSTEPS
Alan BrinkleyColumbia University Historian