Health Care Reform in the United States

This year (Friday, July 16, 2010) the United States has to reform its health care system perceived quite expensive for most citizens. The reforms came after the U.S. Department of Health provided data that the health sector had an estimated 17% of U.S. GDP. This data is then analyzed with calculations made by the Congressional Budget Office and it is concluded that the proportion of the health sector in the U.S. GDP could increase to 33% in the next 30 years, if not carried out reforms. In fact, one survey stated that if reforms are not made, then the cost of out-of-pocket (costs incurred by users outside of the health insurance premium has been paid) will increase by 35% within 10 (ten) years. This raises the pressure from many quarters to be done especially concerning health care reform health insurance.

With the signing of the "Affordable Health Care for America Act" by President Barack Obama on March 23, 20I0, marking the start of the health care system reform, particularly in the case of health insurance, in the United States are expected to reduce the cost of health insurance incurred by U.S. citizens in the future .


Health Care Reform

In the Health Act, the United States has recognized the basic principle that everyone should have basic protection in health care. Under the bill this year then in the health care sector in the U.S. will experience a variety of changes, such as:
 

• Americans who do not have insurance and have had before disease (pre-existing conditions) will obtain health insurance through a temporary subsidized assistance provided by the government;
• Insurance companies are prohibited from deciding the coverage of health insurance when Sipengguna disease;
• Insurance companies are prohibited from imposing a maximum limit for life insurance coverage for certain health insurance users; 
• a child is justified to take part in his parents' health insurance until he reaches the age of 26 years;
• any new compulsory insurance to cover preventive services (preventive maintenance cares and fitness (wellness care), and
• an insurance user could appeal to an independent body with respect to a dispute with the insurance company that it faces;

In addition, the Act also stipulated that as of January 1, 2011 set the following matters.

• Government began providing subsidies for companies to finance health insurance keciJ employees;
• Insurance companies are required to use 80-85% of the health premium received for medical services. Insurance companies that do not meet these thresholds will be required to refund rnemberikan (rebates) to policyholders, and
• Insurance companies must explain the increase in health insurance premium. Insurance companies are raising premiums excessively may be penalized excluded from health insurance exchanges a government-run

Similarly, in 2014 following the planned targets.

• The State Government established health insurance exchanges, where the potential buyers are not health insurance policies financed by the office / company where he worked, as well as smaller companies, can buy health insurance;
• Prohibited insurance companies refuse to cover someone who already has the disease earlier (pre-existing conditions);
• each person required to have insurance;
• subsidies given to people who have little income and medium to be able to buy health insurance;
• residents with incomes below 150% of the poverty line will only use a maximum of 2% - 4.6% of their income to pay for health insurance (note: the amendment package that is being discussed in the Senate, this number will be changed to only 2% - 4 %);
• residents with income levels are maximum 350% - 400% and the poverty line will only use 9.8% of their income to pay for health insurance (note: the amendment package, this number will be changed to only 9.5%), and small companies gain Increased Subsidies for employee health insurance fund 
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news source: http://www.pksi.depkeu.go.id/pub.asp?id=27

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