American Health Choices Act
Create state level insurance exchanges, Health Benefit Gateways, distribute premium and benefit information, help with enrollment, distribute subsidies and equalize premiums between insurance programs. This is voluntary.
Create Medical Advisory Panel to recommend a minimum package of benefits to include doctors’ services, hospital care, maternity and newborn care, prescription drugs, mental health, substance abuse, with no annual or lifetime limits, no pre-existing. Dependent coverage through age 26.
Private insurers would have to pay out a specified percentage of their premium revenues in benefits, and there would be limits on how much premiums can vary.
Subsidize premiums for people with incomes up to 500 percent of the poverty level ($110,000 for a family of four)
Expand Medicaid to cover everyone up to 150% of poverty, $16245 per person, $33,075 for a family of four.
People would be subject to a penalty, set by the Treasury and collected by the IRS. Exempt if affordable health care not available or if it would create an exceptional financial hardship
Employers would have to contribute to the cost of coverage by providing insurance or paying a penalty.
New public insurance program, would pay doctors and hospitals at Medicare rates plus 10%. HHS Secretary would develop the plan.
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