I don't have insurance. How would the plans affect me?

Obama (D)

» Individuals would not be required to purchase health insurance – even those who can afford health insurance can go Uninsured
People who lack public or private health insurance, estimated at 47 million in the U.S. in 2007
if they so choose. The exception would be children – Obama’s plan requires that parents must sign their children up for coverage through a private or employer-sponsored plan, through Medicaid
Health program for individuals and families with low incomes and resources
or SCHIP
A Federal/State partnership meant to expand health insurance to kids with parents who earn too much for Medicaid but not enough for private insurance
, or through new insurance options developed under Obama’s plan.

» A new public health insurance program would be created for poorer Americans who do not qualify for Medicaid
Health program for individuals and families with low incomes and resources
or SCHIP
A Federal/State partnership meant to expand health insurance to kids with parents who earn too much for Medicaid but not enough for private insurance
and are not offered health insurance through their employer.

» Under the public insurance program, individuals would not be charged higher premiums or denied coverage due to pre-existing health conditions.

» Individuals and families unable to pay for health insurance on their own would be provided some type of financial aid, although not specified in Obama’s plan.

» A new National Health Insurance Exchange would be created to provide the opportunity for Americans to purchase private health insurance directly from the insurer.

» For very poor Americans (not defined in his plan), Obama's plan would offer additional federal funding to expand the Medicare
Health insurance program administered by the U.S. government covering people age 65 and over or who meet other special criteria
and SCHIP
A Federal/State partnership meant to expand health insurance to kids with parents who earn too much for Medicaid but not enough for private insurance
programs to cover more Americans at low income  levels.

» Obama’s plan includes actions to improve quality and lower overall health care costs through investments in information technology, improved preventive care, and enhanced Chronic disease
A disease that is long lasting and is generally thought of as permanent
management.

» Drug costs for Americans would be reduced through new regulations for drug companies.

» Americans would be able to purchase drugs from other developed countries, with measures in place to ensure drug safety.

» The recent tax breaks for American households making over $250,000 per year would be eliminated, providing for increased federal funding on health care.

 


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