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Stable and Secure Health Care for New York
How Health Insurance Reform will Benefit New York
LOWER COSTS FOR RESIDENTS OF NEW YORK
* Ending the Hidden Tax – Saving You Money: Right now, providers in New York lose over $9.3 billion in bad debt which often gets passed along to families in the form of a hidden premium “tax”.1 Health insurance reform will tackle this financial burden by improving our health care system and covering the uninsured, allowing the 202 hospitals2 and the 88,179 physicians3 in New York to better care for their patients.
* Health Insurance Premium Relief: Premiums for residents of New York have risen 97% since 2000.4 Through health insurance reform, 2,051,100 to 2,410,800 middle class New York residents will be eligible for premium credits to ease the burden of these high costs.5
* Strengthening Small Businesses: 331,598 employers in New York are small businesses.6 With tax credits and a health insurance exchange where they can shop for health plans, insurance coverage will become more affordable for them.
* Reforms that Reduce Your Costs: Under health insurance reform, insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive. Insurance companies will also have to abide by yearly limits on how much they can charge for out-of-pocket expenses, helping 143,700 households in New York struggling under the burden of high health care expenses.7
INCREASE YOUR CHOICES: PROTECTING WHAT WORKS AND FIXING WHAT'S BROKEN
* Insurance Stability and Security: Health insurance reform will strengthen our system of employer-based health insurance, with an additional 188,900 people in New York potentially getting insurance through their work.8 Health insurance reform will also ensure that you will always have guaranteed choices of quality, affordable health insurance if you lose your job, switch jobs, move or get sick.
* Eliminating Discrimination by Insurance Companies: 8% of people in New York have diabetes9, and 27% have high blood pressure10 – two conditions that insurance companies could use as a reason to discriminate against you. Health insurance reform will build on existing state policies to end discrimination that unfairly charges some people more than others.
* One-Stop Shopping – Putting Families in Charge: With the new health insurance exchange, you can easily and simply compare insurance prices and health plans and decide which quality affordable option is right for you and your family. These proposals will help the 2,590,400 residents of New York who currently do not have health insurance to obtain needed coverage, and it will also help the 672,500 New York residents who currently purchase insurance in the individual insurance market.11
* Guaranteeing Choices: The largest health insurer in New York holds 26% of the market, which limits the choices that you have for finding coverage.12 With a competitive public insurance option, you will have more choices and increased competition that holds insurance companies accountable.
ASSURE QUALITY, AFFORDABLE HEALTH CARE FOR AMERICANS
* Preventive Care for Better Health: 34% of New York residents have not had a colorectal cancer screening, and 18% of women have not had a mammogram in the past 2 years.13 By requiring health plans to cover preventive services for everyone, investing in prevention and wellness, and promoting primary care, health insurance reform will work to create a system that prevents illness and disease instead of just treating it when it’s too late and costs more.
* Improving Care for Children and Seniors: 19% of children in New York have not visited a dentist in the past year,14and 30% of seniors did not receive a flu vaccine15. Health reform will ensure coverage for kids’ dental, vision, and hearing needs, and will promote quality coverage for America’s seniors, including recommended immunizations.
3 San Marino
18 United Kingdom
26 Saudi Arabia
27 United Arab Emirates
36 Costa Rica
37 United States of America