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canada goose store Congress are preparing to merge the two healthcare bills passed in 2009 by the Senate and House of Representatives into a single bill.
canada goose coats on sale This compromise bill would have to be passed by both chambers of Congress before being canada goose coats sent to President Barack Obama to sign into law. Healthcare reform is Obama top legislative priority, and the Democrats are aiming to overcome unified Republican opposition.
canada goose clearance INSURANCE MARKET REFORM Both bills would bring insurance market reforms barring insurers from excluding people for pre existing conditions and preventing them from arbitrarily dropping policy holders.
cheap Canada Goose Both bills would create insurance exchanges in buy canada goose jacket which small businesses and individuals without employer cheap canada goose uk sponsored health benefits can shop for coverage. The Senate bill canada goose uk shop would create state based exchanges. Canada Goose Coats On Sale The House bill would create a national canada goose uk black friday exchange but would allow states to operate state based exchanges if they meet minimum requirements.
canada goose clearance sale The House bill would allow insurers to charge older people up Canada Goose online to twice the amount they charge younger policy holders. The Senate bill would allow insurers to charge older people up to three times what they charge younger people.
The Senate bill would allow young people to stay on their parents insurance Canada Goose Outlet plans until the age of 26. The House bill would allow such coverage until age 27.
canadian goose jacket Both bills would place limits on how much insurers can spend on administrative costs and profits. The Senate bill would require insurers to spend at least 85 cents of every premium dollar on medical care in small group markets and 80 cents in large group markets. The House bill would require insurers to spend at least 85 percent of premiums on care.
PUBLIC OPTION The House bill would create a new government health canada goose sale insurance plan to compete with private insurers. This option would have to meet the same coverage requirements as private insurers. The Senate bill has no public option. Office of Personnel Management, which oversees health policies for 8 million federal workers and their families, to contract with private insurance companies to offer policies on the exchanges.
Both bills also would create nonprofit cooperatives to provide medical coverage to members.
canada goose FINANCING Another big difference between the two bills is how canada goose clearance they are financed. The House bill would impose a 5.4 percent surtax on individuals earning more than $500,000 a year and couples making more than $1 million. It also would Canada Goose Parka raise money by imposing a 2.5 percent excise tax on medical devices.
Canada Goose Outlet The Senate bill includes a 40 percent excise tax canadian goose jacket on high cost health insurance plans. It also would raise payroll taxes for Medicare, the government health insurance plan for uk canada goose outlet the canada goose clearance sale elderly and disabled, to 2.35 percent from the current 1.45 percent for individuals earning $200,000 or more annually and for couples earning $250,000 or more. The Senate bill includes special fees on insurers, drug companies and medical device makers and would impose a 10 percent tax on indoor tanning.
Canada Goose sale ABORTION Abortion could be another contentious issue. Both bills would bar the use of canada goose black friday sale federal funds to pay for an abortion.
canada goose coats The House bill contains tougher language that would require anyone seeking coverage for elective abortions to buy separate insurance riders.
Canada Goose online The Senate bill would let states opt out https://www.cheapcanadagoose.net of including plans Canada Goose sale with abortion coverage on the exchanges and would require anyone with abortion coverage to write two separate premium checks one for the abortion coverage and one for the rest.
MEDICAID COVERAGE The Senate bill would make Medicaid, the government health insurance program for the poor, available to everyone with incomes up to 133 percent canada goose factory sale of the poverty level. The House would expand Canada Goose Jackets the Medicaid program to everyone with incomes up to 150 percent of the poverty level. The poverty level in 2009 for an individual was $10,830 canada goose coats on sale and for uk canada goose a family of four $22,050. Many states have eligibility requirements below that level.
Canada Goose Parka COVERAGE MANDATES Both bills would require most individuals to obtain health insurance and would impose penalties on those who do not. The House bill would impose a 2.5 percent penalty tax on income up to the average cost of an insurance policy. The Senate would phase in a $750 per person annual penalty up to $2,250 per family or a penalty of 2 percent of taxable income, whichever is canada goose store greater. The full penalty would take effect in 2016.
EMPLOYER MANDATES The House canada goose bill would require employers cheap Canada Goose with payrolls above $750,000 to provide health insurance to workers. Those who buy canada goose jacket cheap do not provide insurance would face a penalty of 8 percent of payroll. Employers with a payroll between $500,000 and $750,000 would pay fines on a sliding scale of 2 percent, 4 percent and 6 percent of payroll.
Canada Goose Jackets The Senate bill has no such employer mandate. But large firms with more than 50 workers would have to pay a fine of $750 annually per worker if any of their employees obtain federally subsidized coverage on the exchange.
buy canada goose jacket Workers with employer sponsored plans with costs deemed unaffordable exceeding 9.8 percent of salary may drop that coverage and purchase federally subsidized insurance on the exchange. In those cases, the employer would pay a fine up to $3,000 per worker receiving the insurance subsidy.
canada goose black friday sale In some cases the Senate bill would require employers with canada goose uk outlet health plans to provide cash Canada Goose Online vouchers to lower income workers to obtain insurance on the exchange.