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Goal of Insuring 95% of the U.S.

Health care reform bill has a laudable goal of health insurance for 95% of Americans. It has also made it mandatory for Americans to purchase health insurance, failing which they have to pay financial penalties. The penalties could reach $695, or 2.5% of the annual income. To offset the cost providing mandatory health insurance benefits to their employees, small businesses will be helped with tax credits. This will help cover premium costs. This is the only way to ensure all the people are covered with health insurance.

Many experts think it makes more sense to buy health insurance cover than pay out of pocket as most people would not be able to afford it. The best part being that many individuals will be able to take advantage of premium subsidies and cost sharing credits.

The design of the health insurance exchanges will be such that individuals and small business will be able to buy insurance online with ease after comparing plans by various companies. There will also be a independent rating system that will help in decision making.

Experience with private Medicare shows that health exchanges run by the state would certainly increase competition and resulting in cost reduction.

Helath care reforms also mean that the insurers have to deal with tougher legislation and there will not be able to cherry pick healthy customers. However some people feel health insurers being very resourceful , the government needs be on guard.

Daytona Beach Shores Florida
City of Daytona Beach Shores Florida
Zip codes: 32118
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