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ObamaCare Facts: Facts on the Obama Health Care Plan

ObamaCare Facts: Facts on the Obama Health Care Plan | Dr. Martin Luther King Jr. Project by Apearl Mitchell | Scoop.it
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
Apearl Mitchell's insight:

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 Facts Image Public Domain, Photo by Chuck Kennedy; U.S. Government Work)

• 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 in 2010, and over 100 million Americans have already benefited from the new health care law.

• ObamaCare requires that all insurance plans cover preventative 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 factscheck 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 preventative 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 make most seniors health care costs go down.

• 1 in 2 Americans have a "pre-existing" condition they could be deniedhealth insurance for. ObamaCare Chips Away at Pre-Existing Conditions until 2017 when there are no more preexisting 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 minium 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 AboutObamaCare Insurance Premiums

• 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 do 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 preventative 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. 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 nations 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 a State Exchange, 7 set up joint exchanges. Find out more about ObamaCare's State Run Exchanges

• ObamaCare makes it illegal for health insurance companies to terminate coverage for any reason aside from 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.

• 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? Come 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 under 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.

• 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.

• Annual limits for insurance premiums can be no more than 11% or less than 1.5% of your modified adjusted gross income, when insurance goes on sale via the health insurance exchanges in 2014.

• ObamaCare prevents insurance companies from limiting the number of benefits a customers 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 theObamaCare Insurance Exchange

• In 2011 ObamaCare helped around 86 million Americans use free preventative 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 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 more than 25 or less employees may receive tax breaks of up to 35% (25% non-profits) of the cost of their employees insurance premiums. In 2014 in 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 it's detractors say (the number isn't even in the CBO report on The Affordable Care Act). The often misrepresented quote stated that the only job loss ObamaCare may actually cause are from those who cut back their hours, since they will no longer have to rely on their jobs for their families health care. In fact most reports show that ObamaCare will create new jobs, especially in health care.

• 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 work or Medicare / 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 for 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 preventative care will be free on all insurance plans. Private insurance plans that are grandfathered in and are all ready in place will 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 millions of Americans will be without proper health coverage and insurance companies will continue to be able to deny healthcare for preexisting conditions. Without healthcare reform America will continue suffer the consequences of a health care system controlled by private companies, who's bottom line is money and not health. Help ObamaCare Facts to spread the truth about President Obama's health care reform.

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President Obama’s plan for comprehensive immigration reform

President Obama’s plan for comprehensive immigration reform | Dr. Martin Luther King Jr. Project by Apearl Mitchell | Scoop.it
President Obama talks about the principles behind his plan for comprehensive immigration reform.
Apearl Mitchell's insight:

Earlier today, President Obama talked about the principles behind his plan for comprehensive immigration reform:

First, I believe we need to stay focused on enforcement. That means continuing to strengthen security at our borders. It means cracking down more forcefully on businesses that knowingly hire undocumented workers. To be fair, most businesses want to do the right thing, but a lot of them have a hard time figuring out who’s here legally, who’s not. So we need to implement a national system that allows businesses to quickly and accurately verify someone’s employment status. And if they still knowingly hire undocumented workers, then we need to ramp up the penalties.

Second, we have to deal with the 11 million individuals who are here illegally. We all agree that these men and women should have to earn their way to citizenship. But for comprehensive immigration reform to work, it must be clear from the outset that there is a pathway to citizenship.

We’ve got to lay out a path—a process that includes passing a background check, paying taxes, paying a penalty, learning English, and then going to the back of the line, behind all the folks who are trying to come here legally. That's only fair, right?

And the third principle is we’ve got to bring our legal immigration system into the 21st century because it no longer reflects the realities of our time. For example, if you are a citizen, you shouldn’t have to wait years before your family is able to join you in America. You shouldn't have to wait years.

If you’re a foreign student who wants to pursue a career in science or technology, or a foreign entrepreneur who wants to start a business with the backing of American investors, we should help you do that here. Because if you succeed, you’ll create American businesses and American jobs. You’ll help us grow our economy. You’ll help us strengthen our middle class.

So that’s what comprehensive immigration reform looks like: smarter enforcement; a pathway to earned citizenship; improvements in the legal immigration system so that we continue to be a magnet for the best and the brightest all around the world. It’s pretty straightforward.

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Obama: U.S. troops in Iraq coming home

Obama: U.S. troops in Iraq coming home | Dr. Martin Luther King Jr. Project by Apearl Mitchell | Scoop.it
President said all U.S. troops in Iraq will be "home for the holidays"
Apearl Mitchell's insight:

 

President Obama announced Friday that the United States will withdraw nearly all troops from Iraq by the end of the year, effectively bringing the long and polarizing war in Iraq to an end.

 

"After nearly 9 years, America's war in Iraq will be over," said Mr. Obama. 

He said the last American troops will depart the country by January 1 "with their heads held high, proud of their success, and knowing that the American people stand united in our support for our troops." 

"The transition in Afghanistan is moving forward, and our troops are finally coming home," he added, saying in the White House briefing room that U.S. troops "will definitely be home for the holidays." 

The war in Iraq has meant the death of more than 4,400 U.S. troops and come at a cost of more than $700 billion. Asked in a briefing following Mr. Obama's remarks if it was worth it, Antony Blinken, National Security Adviser to Vice President Joe Biden, said, "history is going to have to judge."

Iraq: By the numbers

 

U.S. and Iraqi officials have spent months debating whether to honor a planned December 31 deadline for troop withdrawal, set in 2008, amid concerns that the full withdrawal of U.S. forces could put the country at risk. Many U.S. officials wanted to leave a few thousand military trainers in the country past the end of the year, but, as the Associated Press reportedSunday, "Iraqi leaders have adamantly refused to give U.S. troops immunity from prosecution in Iraqi courts, and the Americans have refused to stay without it." 

America has already withdrawn nearly 100,000 troops from Iraq already as part of the current draw-down; nearly 40,000 "non-combat" troops remain. Mr. Obama said Friday that "Iraqis have taken full responsibility for their country's security" and said that the relationship between the United States and Iraq going forward will be one of equals.

"It will be a normal relationship between sovereign nations, an equal partnership based on mutual interest and mutual respect," he said. 

Mr. Obama discussed the planned announcement earlier in the day with Iraqi Prime Minister Nouri al-Maliki over secure video conference. He said al-Maliki "spoke of the determination of the Iraqi people to forge their own future," and that the two leaders are "in full agreement about how to move forward."

 

Mr. Obama said he had invited al-Maliki to the White House in December and vowed that the United States and Iraq will embark on a "strong and enduring partnership."

"As I told Prime Minister Maliki, we will continue discussions on how we might help Iraq train and equip its forces, again, just as we offer training and assistance to countries around the world," said the president. "After all, there will be some difficult days ahead for Iraq and the United States will continue to have an interest in an Iraq that is stable, secure and self-reliant.

Mr. Obama had vowed to end the war in Iraq as a presidential candidate. He spoke out passionately against the war in 2002, though later said the United States had an "absolute obligation" to stay in the country as long as it took to achieve success.

Mr. Obama said the United States will be "moving forward from a position of strength" and that the troop departure "will be a time to reflect on all that we've been through in this war."

"I'll join the American people in paying tribute to the more than 1 million Americans who have served in Iraq," he said. "We'll honor our many wounded warriors and the nearly 4,500 American patriots and their Iraqi and coalition partners who gave their lives to this effort."

Iraq pullout comes as most say war going well

Mr. Obama cast the end of the Iraq war in the larger context of a smaller U.S. military presence around the world. "The tide of war is receding," he said, pointing to the start of a troop withdrawal in Afghanistan.  

"When I took office, roughly 180,000 troops were deployed in both these wars. And by the end of this year that number will be cut in half," he said. "And make no mistake, they will continue to go down."

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Obama on College Funding | Education.com

Obama on College Funding | Education.com | Dr. Martin Luther King Jr. Project by Apearl Mitchell | Scoop.it
Should college be within reach of every student? An overview of Barack Obama's College Affordability Plan.
Apearl Mitchell's insight:

College affordability is on most parents’ minds these days. Investments in children’s 529 plans have been drastically reduced in recent months, tuition rates are increasing at an astronomical rate, and the forecast for future tuition rates is nothing short of frightening.

But relief might be in sight. President-elect Barack Obama has made it clear that college affordability is a top priority for his administration. Obama’s College Affordability Plan includes several key elements to support children and their parents in their efforts to afford and succeed in college. Here’s an overview of the plan:

Tax Credit

The American Opportunity Tax Credit will be fully refundable and will ensure that the first $4,000 of a college education is completely free for most Americans.

Financial Aid

Obama’s plan will simplify the financial aid process by eliminating the Free Application for Federal Student Aid (FAFSA) and its complicated calculations; aid will be based on a much simpler, yet equally accurate formula so that students can predict their eligibility well in advance.

College Readiness

Obama will provide $25 million annually in matching funds for states to develop Early Assessment Programs that will enable 11th graders and their families to determine if they are on track to be college ready by the time they graduate.

Pell Grants

Obama will increase the Pell Grant to $5,400 over the next few years; he will work to ensure that the maximum Pell Grant award is increased for low-income students.

Community College Partnerships

The Community College Partnership Program will strengthen community colleges by providing grants to analyze high-demand skills and technical education, to implement new associate of arts degree programs, and to reward institutions that increase their numbers of graduates and transfer students to four-year institutions.

Bank Subsidies

Obama will eliminate the more expensive private loan program and will direct that money into aid for students.

Parents are in desperate need of such reforms. According to the National Center for Higher Education and Public Policy's most recent report, college tuition has increased at a significantly faster rate than both family income and the cost of necessities such as medical care, food, housing, and transportation.

Steve Boilard, Director of Higher Education for the California Legislative Analyst’s Office, says much of the affordability discussion focuses on how much it costs students to attend college. But, he argues, equally important is looking at how much it costs overall for colleges to provide education to students. “In other words, in addition to looking at the price paid by students, we should also look at the price paid by taxpayers,” Boilard says. “Colleges like to talk about how the amount of money coming from the state hasn’t kept up with their costs, but it’s worth asking about what has happened to college costs. Have they increased faster than inflation? Why?”

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America's Move to Raise A Healthier Generation of Kids | Let's Move!

America's Move to Raise A Healthier Generation of Kids | Let's Move! | Dr. Martin Luther King Jr. Project by Apearl Mitchell | Scoop.it
Apearl Mitchell's insight:

- First Lady Michelle Obama

 

Let’s Move! is a comprehensive initiative, launched by the First Lady, dedicated to solving the problem of obesity within a generation, so that children born today will grow up healthier and able to pursue their dreams. Sure, this is an ambitious goal. But with your help, we can do it.

Combining comprehensive strategies with common sense, Let’s Move! is about putting children on the path to a healthy future during their earliest months and years. Giving parents helpful information and fostering environments that support healthy choices. Providing healthier foods in our schools. Ensuring that every family has access to healthy, affordable food. And, helping children become more physically active.

At the launch of the initiative, President Barack Obama signed a Presidential Memorandum creating the first-ever Task Force on Childhood Obesity to conduct a review of every single programs and policies relating to child nutrition and physical activity and develop a national action plan to maximize federal resources and set concrete benchmarks toward the First Lady’s national goal. The Task Force recommendations focus on the five pillars of the First Lady’s Let’s Move! initiative:

Creating a healthy start for childrenEmpowering parents and caregiversProviding healthy food in schoolsImproving access to healthy, affordable foodsIncreasing physical activity

Everyone has a role to play in reducing childhood obesity, including parents and caregivers, elected officials from all levels of government, schools, health care professionals, faith-based and community-based organizations, and private sector companies. Your involvement is key to ensuring a healthy future for our children.

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