Health Care. Health Care Reform Insuring more people by changing the number The 46-47 Million number...
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Transcript of Health Care. Health Care Reform Insuring more people by changing the number The 46-47 Million number...
Health Care
Health Care Reform
• Insuring more people by changing the number
• The 46-47 Million number is gone
Expanding Federal Programs
• Getting those eligible on programs they are eligible for– Expanding Medicare Eligibility– Expanding COBRA health insurance– Expanding SCHIP Program
Making Changes to Private Insurance
• Cannot Deny for Pre-Existing Conditions
• Cannot remove people who use up their coverage
• The Slackers mandate
• Subsidies to purchase insurance
Individual Mandates
• People will be required to have health insurance– Just as we are required to have health
insurance
• This is the tricky part
What if I have Insurance
• In theory it should not change
• Your employer, however, can just you off
When does it start
• Mandates begin in 2014
• Costs should be lowered over time as people have insurance
What it looks like
How can we afford this
• 1 Trillion over first 10 years– Tax on Tans – Higher medicare taxes on wealthy and
Medicare cuts– Taxes on High-end insurance– Fees on Health Care Industry
Environmental, Social, and Political Problems of Population
Change
Two Demographic Truths
1. We are all Born
2. We Will all Die
What we do in between has ramifications for the Environment and Social Policy.
Copyright ©Allyn & Bacon 2009
Population Growth and The Environment
• World Population is growing
Population Moves through stages
Consequences of World Population Growth
• Thomas Malthus
• Carrying Capacity and environmental damage
• Food Shortages
• Depletion of Resources
• Conflict
How to Control Population
• Zero Population Growth
• Family Planning
• Incentives
Demographics and Social Security
How Population Growth and Change influences Policy
What is it?
• The Largest Single Federal Program
• A program that everyone loves
• A Program that tracks baby names
Why do we love it?
• Almost everyone gets it
• It has very basic goals that are easy to reach
• The average worker gets $1,164 a month
How Do We pay for it?• Payroll Taxes
– I Pay 6.25% of my salary– St. Edward’s matches this
• Only the first $106,800 of wages are taxed
• There is an upper limit on taxes… for Now (the most you can pay is $6,621.60)
• The most you can get in benefits is $2346
SOCIAL SECURITY IS IN FINANCIAL TROUBLE- ALL
BECAUSE OF DEMOGRAPHICS
America is Getting Older
There are Fewer Workers
The Baby Boomers will drain the System
Bankrupt vs. Broke
• Bankrupt- not being able to meet your obligations
• Broke- not having any money
Either way, we need policy change
The Policy of inaction
1995 Prediction 2005 Prediction
Forecasting in 2006
The 2010 Numbers
In 2016 we will begin paying more in benefits than we collect in taxes. Without changes, by 2037 the Social Security Trust Fund will be exhausted* and there will be enough money to pay only about 76 cents for each dollar of scheduled benefits.
How to Solve the Problem
• There are many solutions
• All involve risk and create winners and losers
• Your primary targets are voting constituents
Other Solutions
• Raise the age
• Raise Taxes
• Cut Benefits
• Run Public Service announcements
Radical Solutions
• Partial Privatization
• Full Privatization
• Amnesty for Illegal Immigrants
• Abolish Abortion
Social Security
Has it been a success, and what should we do?