The american health care system (November 2014)

Sources : New york time , the daily mail , the new york post, arte, CNN , youtube, wikipedia.

The american health care is mostly runned by the private sector with up to 80% of hospitals being private.

Before the  law 15%( 40 million ) of americans weren’t insurred so they would have to pay their medical bills from their own pockets.  But 60% of US  workers get their insurrance from their employer. It covers preventive care, prescriptions and treatments.

Medical care covers 15% of american and it is runned by the federal government.

Medic care part A is nearly free if you’re over 65. Covers your hospitalization and every american over 65 and pregnant can get it.

Medic care part B is mostly used by people who already have an insurrance. It covers mostly medical activities outside the hospital.

Medic care part C is runned by private companies.   It’s basicly better then what the governement gives and is payed by the governement.

Medic care part D contains prescription drug pills, is runned by private companies, is payed by the federal government. 

Then you have medic aid.

It is a state based program, it is supposed to bring cover for the poorest among us.  But then every state decides whethere or not to be generous or an asshole. 

But the big problem wih medicaid is if you’re a single parent you cannot get it! You got to have kids.

And they are based on old poverty level that are so low that if you earn 3200$ and you are married with two kids then you’re too rich to get it! and also if you are earning the miminum wage you are too rich to get it also.   

So basicly the 2009 law should have changed the limits and the fact that you can’t have medic aid if you’re a single parent. But the supprem court of justice made it not obligatory but optional. And now nearly every state is refusing to use it.

Young people can now stay under their parents insurrance till the age of 25. Health insurrance companies can no longer drop people that are sick. Pre existing conditions can no longer stop a company from charging you more cash.  Obama care also takes off all the caps for example if you go and get kimotherapy well at session number 5 the inssurance company can’t say «  you already had five which is our limit so now you got to pay for the rest »

But then there is the individual mandate that basicly says you are forced to go and get inssurance and if you ain’t poor or old or a veteran you gotta go get it from a private company.  And if you’re an asshole and still don’t wanna get medical inssurance you will have to pay a taxe of 100$. But that taxe is gonna go up and soon it will be cheaper to get medical inssurance then to pay the tax.

Now also the government will pay a portion of your insurrance if you are above of the medic aid line and the portion will depend of your salary and the number of children.

Also the governement is gonna use a medic aid expansion to cover more people ( finaly ! )

Finaly if you have a company of more then 50 employees and if one of your employees is getting help from the governement to get health insurrance or doesn’t have health insurrance cause you don’t pay for your employee insurrance. Then you’re gonna have a taxe on you .  So basicly it forces you to pay for your employees to get insurrance or at least pay for the money the state is using to pay part of the insurrance of your employee.