Health Insurance Make Change for Workers

Although legislation recently passed away due to health care will affect the most spectacular Americans who have no health insurance, most nonelderly Americans, about 160 million should continue to receive coverage through their employers . But workers can not see what the changes resulting from the new health law.

Does my employer  to offer  for a new benefits?
Yes. Starting as soon as this fall, health plans of companies that allow employees to keep their children about their plans so that children of 26 years to offer. Employers will be banned and bring some life caps, caps annual payments to their employees.
Companies will begin offering the new plans for gezondheid be subject to other conditions, including a mandate for you to start in 2014 at a pakket "Voordelen critical" should be more comprehensive than a typical werkgever provided welfare plan . (Employers with existing health plans would be exempt from this new requirement.)

My employer will be able to scale back?
Yes. Most employers now offer health plans that would be able to determine the nature of medical benefits to their employees, potentially increasing co-payments and deductibles or reducing their plans cover change.

What happens to my premium?
It's hard to say, but most should continue to increase in coming years.
The nonpartisan Congressional Budget Office estimates that by 2016, an average individual policy issued by a major employer would be about $ 7,300 a year (and a little more for workers in small businesses costs). An average family policy would cost about $ 20.300 per year (and a bit less for employees of small businesses). As it is, the premiums would probably be shared between employers and employees.
By comparison, in 2009, the average employer-provided policy costs $ 4,824 per year individual, and family policy the average costs of 13,375 dollars, according to an annual survey by the Kaiser Family Foundation, a non-profit.

I'll see more changes to my salary?
At the beginning of next year, employees are automatically enrolled for a new insurance program, known as the class schedule, long term care coverage, unless they decide to retire. The program is financed by a deduction at source.
From 2014, employees participating in wellness programs or health standards will also lead to a break of 30% of their premiums if the employer chooses to offer this incentive.
I'll have more choices in health plans?
You could. States accumulate regulated insurance markets, or exchanges in 2014, where insurers offer plans that will meet basic standards of government. It was primarily intended for people who do not enjoy the work shop for a health plan for help.
But employers with fewer than 100 employees would be allowed to make these exchanges, which give their employees greater choice than most plans now. States may lead to the largest employers of these exchanges from 2017 to enter.

Health Insurance Opponents

If anything, the proposed revision of the Congress that health care Libertarian Michael Cannon sets teeth on edge, it is the requirement that all Americans get health insurance.

"The federal government no power to force you to buy a private product," said Cannon, a political analyst at the Cato Institute's Health, a free market think tank in Washington.

 But with Congress ready to do so, the mandate of universal coverage of Eastside generate opposition, not only civil libertarians, such as guns, the guiding hand of government regulation in virtually all property types but some liberals - and even some members of the insurance industry, which stands to gain millions of customers.

Both versions of the House and Senate the renewal of health care includes a requirement that everyone have health insurance through employment, the government or the private market.

In theory, the rationale seems simple: many people pay relatively modest premium, creating a pool of money large enough to take care of those who need to take.

The presence of people of all ages to participate in health care is particularly important, analysts note, because the medical problems that result in large claims are disproportionately located among older Americans. When young, healthy people go without insurance, higher premiums would be hunted for others.

But even if the critics right about legal problems, critics on the left claim that Americans are locked into buying a product that is likely to be more expensive - especially if, as seems likely, the statement does not include a government run insurance program to compete with private companies, the option called public.

"We want to see the upheaval individual mission," said Jim Dean, chairman of the Liberal Democracy for America, founded by his brother, former Vermont Governor Howard Dean.

The mandate "was just the presence of a government that could provide competition and control cost data," said Jim Dean. "It's not fair when people buy insurance insurance even this problem first."

Mainstream Republicans have also adopted the war cry without a warrant, led by a group of more than a dozen prosecutors who determine whether the warrant is unconstitutional.