Good Neighbor Insurance (dev.gninsurance.com and www.gninsurance.com) is continuing to update our clients on the new health insurance laws. There are six major coverage options for those in the US and even though some of the rules and regulations are similar for all many differences are there and it all depends on how old you are and for whom you work. Many critical details of this new insurance law will be clarified in the months and years to come.
These six major coverage options are:
(1) Individual or family coverage (private health care plans)
(2) Employee/employer group option for small businesses (typically under 50 employees)
(3) Employee/employer group option for large businesses (typically larger than 50 employees)
(4) Exchange options through the state you are residing in (fully integrated 1-1-2014 and are quasi-government and private insurance coverage combined)
(5) Medicare (which include Parts A, B, C, and D) for those 65 years onwards
(6) Full government health plans like Medicaid, CHIP, TRICARE, VA and other coverage plans as may be designated by the Department of Health and Human Services based mostly on financial criteria and/or military
The Supreme Court on Thursday set the schedule for briefs to be filed ahead of hearing arguments in late March over President Barack Obama’s sweeping healthcare overhaul law. The high court agreed to a proposal by the three main parties in the legal battle and by two attorneys who have been appointed to argue certain positions. In a brief order, the court for the most part required that the first set of briefs will be due starting in early January, the other side will file their briefs in February and final reply briefs will be submitted in early March.
The court on November 14 agreed to hear an Obama administration appeal defending the law and urging it be upheld as well as two separate appeals by 26 states and an independent business group challenging the law and urging it be struck down.
The court agreed to consider the following four separate questions:
- Whether the U.S. Congress overstepped its powers by requiring all Americans to buy health insurance by 2014 or pay a penalty, a provision known as the individual mandate.
- Whether the rest of the law can survive if the mandate is struck down.
- Whether challenges to the mandate must wait until after it takes effect in 2014.
- Whether Congress improperly coerced the states to expand the Medicaid program that provides healthcare to the poor and the disabled.
The Supreme Court cases are National Federation of Independent Business v. Sebelius, No. 11-393; U.S. Department of Health and Human Services v. Florida, No. 11-398; and Florida v. Department of Health and Human Services, No. 11-400.
Doug Gulleson loves to scuba dive overseas and makes sure he has his U.S. health care and overseas health care, dev.gninsurance.com , information with him at all times when he travels Keep our blog close by you, www.gntravelinsurance.com, for continual updates on the changes with the U.S. health care system.