Table of Health Insurance Options

	TABLE OF PROPOSED HEALTH INSURANCE REFORMS
(x)YES INCLUDE	REFORM INITIATIVE PROPOSED	DEDUCTIBLE PROPOSED	SPECIFY LIMIT OF CAPS, LIABILITY, OR OUT OF POCKET EXPENSES, DEPENDING ON ITEM
	Protect families from bankruptcy or debt because of health care costs
	Reduce long-term growth of health care costs for businesses and government
	Guarantee choice of doctors and health plans
	Invest in prevention and wellness
	Improve patient safety and quality of care
	Assure affordable, quality health coverage for all Americans
	Maintain coverage when you change or lose your job
	End barriers to coverage for people with pre-existing medical conditions
	Coverage for Pre-Existing Conditions
	Coverage regardless of your medical history
	Limits on Out-of-Pocket Expenses, Deductibles and Co-Pays	Proposed deductible of: ___________ Proposed copay: ____________	Proposed yearly limit on out-of-pocket expenses: __________________
	No Cost-Sharing for Preventive Care
	Full coverage, without charge, for regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
	Prohibit Dropping of Coverage for Seriously Ill
	Prohibit dropping or watering down insurance coverage for those who become seriously ill.
	No Gender Discrimination in premiums charged or insurance provided
	No Annual or Lifetime Caps on Coverage
	Prevent from placing annual or lifetime caps on the coverage you receive
	Extended Coverage for Young Adults	Through age: ___________
	Children would continue to be eligible for family coverage through the age of 26
	Guaranteed Insurance Renewal
	Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.
	exempt grandfathered health insurance coverage from requirements of this Act
	provide for guaranteed coverage to all individuals and employers and automatic renewal of coverage
	Prohibit premium variances, except for reasons of age, area, or family enrollment; and tobacco use	For a period of: _______year(s)
	prohibiticancelling of health insurance coverage without clear and convincing evidence of fraud. Require qualified health benefits plans to provide essential benefits. Prohibits an essential benefits package from imposing any annual or lifetime coverage limits.
	Lists required covered essential services: Check if yes: hospitalization, prescription drugs, mental health services, preventive services, Well-baby care through age 3 maternity care, and children's dental, children’s vision, and children’s hearing services and children’s hearing equipment.
	Limit annual out-of-pocket expenses to $5,000 for an individual and $10,000 for a family.
	Establish the Health Choices Administration as an independent agency to be headed by a Health Choices Commissioner
	Establish the Health Insurance Exchange within the Health Choices Administration in order to provide individuals and employers access to health insurance coverage choices, including a public health insurance option.
	Require the Commissioner to: (check if yes) contract with entities to offer health benefit plans through the Exchange to eligible individuals; and establish a risk-pooling mechanism for Exchange-participating health plans. Provide for an affordability premium credit and an affordability cost-sharing credit for low-income individuals and families participating in the Exchange. Require employers to offer health benefits coverage to employees and make specified contributions towards such coverage or make contributions to the Exchange for employees obtaining coverage through the Exchange Exempts businesses with payrolls below $250,000 from such requirement.
	Amend the Internal Revenue Code to impose a tax on: check if yes: (1) an individual without coverage under a health benefits plan; (2) an employer that fails to satisfy health coverage participation requirements for an employee. Imposes a surtax on individual modified adjusted gross income exceeding $350,000.
	Amend title XVIII (Medicare) of the Social Security Act to revise provisions relating to payment, coverage, and access, including to: (check if yes) (1) reduce payments to hospitals to account for excess readmissions; (2) limit cost-sharing for Medicare Advantage beneficiaries; (3) reduce the coverage gap under Medicare Part D (Voluntary Prescription Drug Benefit Program); (4) provide for increased payment for primary health care services; and (5) prohibit cost-sharing for covered preventive services. Requires the Secretary of Health and Human Services (HHS) to provide for the development of quality measures for the delivery of health care services in the United States.
	Establishes a Center for Comparative Effectiveness Research within the Agency for Healthcare Research and Quality, financed by a tax on accident and health insurance policies, to conduct and support health care services effectiveness research.
	Sets forth provisions to reduce health care fraud.
	Amend title XIX (Medicaid) of the Social Security Act to: (check if yes) (1) expand Medicaid eligibility for low-income individuals and families; (2) require coverage of additional preventive services; and (3) increase payments for primary care services.
	Sets forth provisions relating to the health workforce, including: (check if yes) (1) addressing health care workforce needs through loan repayment and training; (2) establishing the Public Health Workforce Corps; (3) addressing health care workforce diversity; and (4) establishing the Advisory Committee on Health Workforce Evaluation and Assessment.
	Sets forth provisions to: (check if yes) (1) provide for prevention and wellness activities; (2) establish the Center for Quality Improvement; (3) establish the position of the Assistant Secretary for Health Information; (4) revise the 340B drug discount program (a program limiting the cost of covered outpatient drugs to certain federal grantees); (5) establish a school-based health care program; and (6) establish a national medical device registry
	Include tort reform		Specify liability limits:
	Allow consumers and insurers to cross state lines to offer and or purchase insurance competitive prices
	Affordable, reasonable, competent health care for all Americans, womb to tomb