bruises and dead bodies

so I showed up to my assignment (late and got an infraction) and they switched me around to another class.When we walked in, the lady’s face was bruised and her eye looked in bad shape.  When she left, the other lady told me she had a drinking problem.  I hope she gets help.

Then, I read about the car in Times Square killing a girl and injuring others.  Prior DWI.

Get help. If you’re depressed, if you are PTSD. Get rid of the rage. Somebody tell the grump.

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also, read an article about money.

 

This is how the ACHA stands now:

 

What’s in the AHCA?
Here are some of the main provisions in the bill as it now stands. Remember, these are likely to change at any point in the process.· The mandates are gone. The individual mandate that required every person to have insurance or face fines is eliminated. So is the employer mandate which forced employers with at least 50 employees to provide healthcare coverage. Under the ACA, some employers had reduced employee hours and/or not hired more workers due to the costs of insurance.

· Insurers may apply a 30% surcharge to customers who let their coverage lapse for more than 63 days in the past year.

· Taxes on net investment income, insurers, drug makers and medical device manufacturers are gone.

· ACA’s income-based subsidies are replaced with age-related tax credits. These range from $2,000 to $14,000 per year for individuals and households.

· Insurers can charge higher premiums for older persons or persons with disabilities.

· The tax-free annual contribution to Health Savings Accounts doubles.

· Grown children up to age 26 can stay on their parents’ plans.

· Insurance companies would no longer be required to cover “essential” health services. The ACA currently requires coverage of essential health services in 10 areas: Outpatient care, emergency room trips, in-hospital care, pregnancy, maternity and newborn care, mental health and substance abuse disorder services, prescription drugs, rehabilitative services and habilitative services (including treatment for kids with autism or cerebral palsy), lab tests, preventative services (including vaccines and cancer screenings), and pediatric services (including dental and vision care for children).

Elimination of Essential Health Benefits
No longer requiring insurance companies to cover the 10 essential health services listed above could cause series harm to seniors and persons with disabilities. Prescription drugs alone can be financially devastating to a person with a disability, regardless of age. Aside from covering prescriptions, insurance companies often negotiate discounts, and without that negotiation individuals could be left with a large bill, or be forced to go without needed medication.

While eliminating mandatory coverage for the essential health benefits will lower premiums (in theory), many may not be able afford a higher premium and could go without needed care because outpatient or in-patient care would not be covered, nor would rehabilitative services.  A potential result of this piece of AHCA would be millions who would be under insured, or go without needed medical services or prescriptions. Interestingly, the CBO found that removing the necessity of covering essential benefits would save less money than keeping them.

Pre-Existing Conditions
Individuals who have a pre-existing condition and currently have health insurance, whether through an individual policy or Medicaid, will not pay more for their insurance as long as they have continuous coverage. If they let their coverage lapse for more than 63 days, insurers will be allowed to charge them 30% more than someone the same age without a pre-existing condition—but only if their state asks for and receives a waiver and sets up a high-risk pool to help cover people with serious, expensive-to-treat illnesses or diseases. $8 billion has been added to the AHCA over the next five years to help states finance their high-risk pools.

Medicaid Reforms
More than half of the 20 million people who gained coverage under ACA did so through Medicaid expansion, which allowed more people over the poverty line to be covered. Under the House bill, $880 billion will be cut from Medicaid over the next 10 years. It ends Medicaid expansion, limiting it to states that have already implemented it, and changes Medicaid from an open-ended program that covers beneficiaries’ costs to one that gives states fixed amounts of money annually, called per capita caps. This is a way to shift costs from the federal government to the states, who would be given a set amount of Medicaid funds per beneficiary. When the money runs out, states would either pay, or deny Medicaid eligibility to individuals who would otherwise qualify.

Additional Medicaid reforms include eliminating a state’s right to allow over $750,000 in home equity caps for unmarried applicants and eliminating the three month retroactive coverage rule, forcing individuals to file an application and supporting documentation the same month they are seeking eligibility. For younger Medicaid applicants, states would be allowed to impose work requirements on able-bodied individuals.

In conclusion
A lot has happened in the first 100 days of President Trump’s administration, and there is a lot to watch as we move forward. The AHCA, in its current form, could negatively impact seniors and persons with disabilities. However, it is just at the beginning stages and will undergo many changes in the coming months. Advocacy for our seniors, veterans and persons with disabilities is even more important as the work continues to improve health care for all.

If you have any questions about how you or someone you work with may be affected by the topics discussed here, please don’t hesitate to reach out.
This newsletter is for informational purposes only and is not intended to be construed as written advice about a Federal tax matter. Readers should consult with their own professional advisors to evaluate or pursue tax, accounting, financial, or legal planning strategies.

For professionals’ use only. Not for use with the general public.
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About eagles11eyes

smart, athletic, musical
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