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Health insurance companies often use age, gender, health status, and the presence of medical conditions to charge higher premiums or deny coverage. Health insurance reform will prevent any insurance company from denying coverage based on underlying health status, and it will prohibit insurance companies from charging more if someone is sick, older, or a woman.
Consumer protections in health insurance reform will also ensure that Americans have portable health insurance options. Reform will guarantee that families will always have choices of quality, affordable health insurance if a family member loses a job, switches jobs, retires, moves, or gets sick. Families will no longer have to make life decisions – like whether to retire, work fewer hours, or switch jobs – based on the lack of affordable and meaningful coverage outside of their current employer-sponsored plan. Health insurance reform will create a health insurance exchange so Americans can compare prices and health plans and decide which quality affordable option is right for them.
Make health care affordable and accessible for everyone:
Americans are frequently forced to make decisions based on their finances and not on what is best for their health. Even with employer-sponsored insurance, Americans pay growing premiums and out-of-pocket costs each year. And for young adults who are just starting their careers, employer-based insurance is often not an option. By expanding health insurance to all Americans, providing premium assistance to make it affordable, and creating caps on the health care expenses that people pay out of pocket, health insurance reform will make health care affordable for everyone. And health insurance reform will allow young adults to stay on their parents’ employer-based insurance until the age of 26, providing an essential option for coverage.
Strengthen employer-based insurance:
Nearly three-quarters of small businesses that do not offer benefits cite high premiums as the reason. Premiums are high, in part, because of a “hidden insurance tax” of more than $1,000 for the unpaid costs of care of the uninsured. Health insurance reform will address this burden by reforming the system and offering affordable insurance options for all Americans. It will also provide small businesses with tax credits to help them provide health insurance for their employees. This will make health care more affordable for small businesses and their workers, solidifying and strengthening employer-based coverage for years to come.
Consumer protections in health insurance reform will also ensure that Americans have portable health insurance options. Reform will guarantee that families will always have choices of quality, affordable health insurance if a family member loses a job, switches jobs, retires, moves, or gets sick. Families will no longer have to make life decisions – like whether to retire, work fewer hours, or switch jobs – based on the lack of affordable and meaningful coverage outside of their current employer-sponsored plan. Health insurance reform will create a health insurance exchange so Americans can compare prices and health plans and decide which quality affordable option is right for them.
Make health care affordable and accessible for everyone:
Americans are frequently forced to make decisions based on their finances and not on what is best for their health. Even with employer-sponsored insurance, Americans pay growing premiums and out-of-pocket costs each year. And for young adults who are just starting their careers, employer-based insurance is often not an option. By expanding health insurance to all Americans, providing premium assistance to make it affordable, and creating caps on the health care expenses that people pay out of pocket, health insurance reform will make health care affordable for everyone. And health insurance reform will allow young adults to stay on their parents’ employer-based insurance until the age of 26, providing an essential option for coverage.
Strengthen employer-based insurance:
Nearly three-quarters of small businesses that do not offer benefits cite high premiums as the reason. Premiums are high, in part, because of a “hidden insurance tax” of more than $1,000 for the unpaid costs of care of the uninsured. Health insurance reform will address this burden by reforming the system and offering affordable insurance options for all Americans. It will also provide small businesses with tax credits to help them provide health insurance for their employees. This will make health care more affordable for small businesses and their workers, solidifying and strengthening employer-based coverage for years to come.
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