So let me identify the key benefits consumers would get from health-reform legislation passed to date:
- No company could deny you health insurance for a pre-existing condition, or drop your coverage if you get sick.
- Insurance companies wouldn’t be able to cap the amount of care you may need for a serious illness, or stop paying your claims and leave you with devastating medical bills.
- All your recommended preventive care would be completely covered without any deductibles – colonoscopies, mammograms, etc.
- If you buy on your own, you would get the same choice of coverage that members of Congress get.
- If you have decent coverage now through your job, you keep it. But if your employer drops your health insurance, or makes you pay more than 8 percent of your income on your premium, you could get help to buy your own policy in an insurance “shopping mall,” or “exchange.”
- If you hit a rough financial patch–a layoff or dramatic drop in your income–you could get help to buy your own policy through tax credits. The less money you have coming in, the cheaper the policy.
- Kids could stay on their parents' policies until they turned 26.
- Small businesses would get tax credits for up to 50 percent of their cost of providing coverage to their workers.
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