This an Overview of what Obamacare is going to do in order to provide Health care for all Americans, But I think it is essential to develop the best health care system in the world for all Americans. In that "best of all plans" we need to reward new technological breakthroughs and procedures, pay promptly for services and goods provided, and develop standards for acceptable care and facilities. I will use the House plan as the jumping off point and note differences with the Senate’s version. Here we go
The Current Proposed Plan:
· Costs $1.04 trillion over 10 years (Congressional Budget Office) [Senate plan would cost more]
· Covers 97% of legal American citizens
· Mandates all individuals to purchase insurance or pay penalty of about 2.5% of gross income
· Establishes insurance exchange where consumers can compare policies and buy coverage
· Includes Public Options to compete with private insurance
· Individual subsidies: The government will offer assistance (credits) on a sliding scale up to four times the poverty level (up to $43K for individual and $88K for a family of 4)
· Requires employers to provide health coverage or pay a fee to the government [Senate plan is $750/employee for employers with > 25 employees]
ü Payroll > $400,000 = 8% of Wages
ü Payroll $250,000-$400,000 = to be determined (smaller penalty)
ü Payroll < $250,000 = NO FEE
· Bars insurance companies from denying coverage due to illness or health status
· Eliminates insurance company lifetime caps
Where’s this money coming from?
Under the House plan, there are three main sources available to fund health care [The Senate plan seemed to pass over this not-so-small detail]:
1) New Taxes on Wealthy Generating $544 Billion
· 5.4% surtax income > $1M
· 1.5% surtax on income $500,000 - $1M
· 1% surtax on income $350,000 - $500,000 (starts at $280,000 for individuals)
2) Surcharges on Businesses
3) Reduction in spending for Medicare and Medicaid
Sticking Points:
· New taxes on rich
· Impact on small businesses
· Change in care–Americans will wonder whether their doctors will participate in public op
What’s next?
Now the fun begins. The Senate Health and Finance Committees must agree to a unified version of the bill. Then, the House and the Senate start to wrangle over a compromise. Once that’s done, the bill goes to the President for signing.
There have been quite a number of fine and terrible moments in my life, some I would like to remember some of them I would just like to forget; but there is one event, a particular date I can never forget that changed the world around me. This was when I came to the US. I was all alone but was really excited about coming to America. The land I have seen through the 35mm screen of Hollywood or read in newspapers and magazines.
The day finally arrived I was about to leave my parents, my family my little sister and my friends, I have had for my entire life. I bid farewell to them, boarded my plane and left to explore the whole new world ahead of me, all alone. After a long and tiring journey of fifteen hours sitting on the plane, as I was too scared to get up as somebody might steal my stuff overhead my seat, I finally reached US. I was tired, jetlagged and scared but some part of me was exited to Explore America, "The land of dreams". I landed later than the scheduled time due to some landing delay at Washington Dulles airport ,went through the customs and just as I was about to look for the gate to catch a connecting flight to Philadelphia I heard that my flight has been cancelled due to bad weather.
I was upset and went to one of the counters to inquire about my flight. She looked at me for a moment as if was an alien, and sure I was for her as she was for me, in this alien land. I asked her if I could take another flight to Philadelphia and she said that there is none, but after a pause she told me that she could put me in some other airlines on another flight. I was so happy and thanked her for her kind gesture and thought that people are so friendly and helpful here even to aliens. Well I went to the terminal as indicated by her. I checked in one of the counters but she said that she doesn't have any info about me. I was annoyed by this and my tired feet dragged my body and I went back to the earlier terminal. She sent me to some other airline counter but was no help and still the same as they didn't have any info about me. I again went up to that lady she was rude to me this time and told me that she cant help me anymore. I was helpless and thought that I have come to a wrong place and wanted to take the next flight back home.
I heard other fellow passengers having the same problem and discussing about other alternatives to reach their destinations. I asked one of the passengers and luckily he was on his way to New York. He talked to few other passengers and decided that he would rent a car and drive me along with three others. At first I thought for a while what if they take me to some deserted place in the car and throw me out of the window and take all my belongings. Well, somehow I gathered courage and decided to go along, the lady at the counter took us to the plane parking area and it took us quiet some time to identify our luggage as it was dark. I was little nervous, we rented the car and started driving. Well it took us around three hours to reach Philly and it was early in the morning.
I remember asking someone what day it was as I had lost track of time due to change in time zones and someone said it is September 11.
Yes, it was September 11, 2001. The day everything came to a halt. The day everyone’s lives would never be the same again. The day thousands of people lost their loved ones. The day I, like the rest of world will never forget. The people I drove with dropped me at the airport I thanked them and called my cousin.
He came to pick me up it was around 6 am and I saw America for the first time. It all looked huge to me; tall buildings, long roads, and hoards of people trying to kill each other just get to the other side of the road.
Anyways, I was tired and reached my cousins apartment and collapsed on the bed. After some time I heard some noise it was my cousin trying to wake me up. He told me that there is a plane accident on WTC. We switched on the TV and within a minute we saw another plane crashing into the building.
I was still half asleep and wanted to go back to bed. By now we could see a huge lump of smoke on the TV screen. After some time we heard a knock on his door it was his neighbor telling him that everyone has been asked to evacuate their buildings as it could be some kind of terrorist attack.
I got scared, well we picked up few belongings and headed out. Outside on the street there was panic everywhere I could hear ear deafening sirens moving in all directions. We headed to the nearest subways station, it was being closed. We took a cab to get out of Philly to my aunts place in the suburbs. I could see everyone running here and there. As we were walking heard that there have been a terrorist attack and all roads to have been shut we were just lucky to get out. We heard that another plane crashed into pentagon.
Somehow we reached my aunt's place I could hear people shouting hysterically everywhere. Everyone was upset. I was numb as I didn't know what to do and also because I was tired.
I went to bed but couldn't sleep. I could hear people crying and shouting in my nightmares. At one moment I thought I was better off back home there were hundreds of questions running in my mind like, why have I come here? What is going to happen to all of us? And so on.
When I woke up it was almost dark. The house was silent .I was cold for a few days didn't speak much to anyone. I looked at my diary I had made plans to a NYC city tour and WTC was on top on my list. Well I thought I would never be able to see it. For around three days we didn't go out of the house much and later I came to Philly and things started getting back to normal for everyone but not the same way it used to be.
I was nervous and sad by witnessing events I have never had thought even in my dreams. I was all alone in this new changed world all around me and it didn't appear to be as pleasing and attractive as I thought it would be before I came here, but as days, weeks and months passed and now it has been years I overcame all fears and nervousness and this alien world has become my home, my friends have become a part of my life.
But whenever I look back and remember 9/11 I tremble remembering those images I had witnessed and the world around me which changed forever. And this was reality and not the "land of dreams" making 9/11 the first day in US and most memorable day ever in my life.
I wrote this article many years back and the incident i had witnessed is still fresh in my life. I pay my homage to all the families and victims affected by 9/11.
