Posts Tagged ‘health care reform’

President Obama doesn’t understand what taxes are!!!

Monday, September 21st, 2009

This weekend on the pundit shows (except FOX) President Obama pitched the same spiel on health care reform which is chalk full of inaccuracies. For example, a revenue neutral bill. How can you give 30-50 million people health insurance or health care without it costing money? The neutral part comes in taxes or mandates.  A tax is defined as: noun

1. a sum of money demanded by a government for its support or for specific facilities or services, levied upon incomes, property, sales, etc.
2. a burdensome charge, obligation, duty, or demand.

–verb (used with object)

3. (of a government)

a. to demand a tax from (a person, business, etc.).
b. to demand a tax in consideration of the possession or occurrence of (income, goods, sales, etc.), usually in proportion to the value of money involved.
4. to lay a burden on; make serious demands on: to tax one’s resources.
5. to take to task; censure; reprove; accuse: to tax one with laziness.
6. Informal. to charge: What did he tax you for that?
7. Archaic. to estimate or determine the amount or value of.

http://dictionary.reference.com/browse/tax

Thus, forcing people to purchase insurance is a tax. These type of taxes are referred to as mandates. Mandates are the same as forcing someone to purchase insurance and thus is a tax.

On Sunday George Stephanopolus ask President Obama about forcing people who  don’t want to buy insurance if they were being taxed. The President was caught off guard and in typical socialistic fashion debated whether this was a tax or not!!! When you force people to pay for something they don’t choose it is a tax.

Huge middle-class tax increase:

http://www.youtube.com/watch?v=lgBzmoo9izw

How can we trust this president?

I went to the Tea Party in DC and here are my thoughts…

Monday, September 14th, 2009

I enjoyed the Tea Party but came away with a conflicting emotions. My observations were that the tea party was eclectic. I saw Libertarians, Democrats, Ron Paulites, Republicans, Conservatives, old, young, black, white and families. I saw angry conservatives that are angry with Republicans who went to the spending trough and democrats who feel that progressives/regressives (left wing marxists that seek big government and Obama leans this way) are taking over the “party of the working man”. Having viewed this, my reflections troubled me but I was not sure why. I knew I had questions about how to coalesce this movement but I was not sure how to frame the question until I saw this article from politico.com. This article says exactly frames the question I had in this article.

I also believe there were about 60,000 participants because this is based on my conservsation with the Capitol Police Chief which  you can see in my pictures on facebook.

Protests present GOP with tricky task
By: Kenneth P. Vogel and Alex Isenstadt
September 12, 2009 08:14 PM EST

The “Taxpayer March on Washington” proved that conservatives can turn out in impressive numbers to protest the direction of the Democratic-led federal government, but it also presented Republicans with a tricky task in figuring out how to marshal the energy on display on the Mall Saturday.The ability to channel the wide-ranging frustrations expressed by speaker after speaker may determine whether beleaguered conservatives will be able to create a movement rivaling that which liberals used to help power Democrats back into the majority in the 2006 congressional elections and Barack Obama into the White House last year.The sentiments expressed Saturday, however, suggest Republicans can’t necessarily count on the tens of thousands of protesters who turned out in Washington – and at simultaneous rallies in Dallas, Denver, Quincy, Ill., and other cities and towns across the nation – to make inroads in the 2010 congressional midterm elections and, later, to mount a stiff challenge to President Obama’s 2012 reelection effort.

Many marchers displayed little allegiance to Republicans, and some were openly hostile, contending that that when the party controlled Washington until 2006, the federal government spent recklessly.

“When Republicans were in power, they acted like everyone else,” said marcher Debi Bohannon of Oklahoma City.

“Personally, I don’t feel like [Republicans] are standing up and fighting hard enough,” said Jim Bryant, an aviation consultant from Trenton, Georgia. “I want them to stand up for truth, honesty, and personal freedoms.”

The protestors, whose numbers were in the tens of thousands, though no definitive estimate was available Saturday evening, aired grievances on issues ranging from the bank and auto bailouts to Obama’s push to overhaul the nation’s health system to concerns about perceived erosion of First and Second Amendment rights.

Still, most of their fire was aimed at Democrats, and some of their sentiments bordered on extremist rhetoric that could do the GOP more harm than good. As the march, which began at Freedom Plaza, a park close to the White House, neared the U.S. Capitol, it was difficult to miss the signs protesting Obama’s health plan, declaring “Bury Obamacare with Kennedy” or featuring grisly images of aborted fetuses. And there were widespread accusations from attendees that Obama isn’t American-born – a charge from which the mainstream of the Republican Party has sought to distance itself.

But as the last of the protesters scattered Saturday evening, leaving the Mall silent, organizers expressed confidence that the march would help re-center the Republican Party around fiscally conservative themes with widespread appeal.

“My message is: your roots are lower taxes, less government, and freedom. Why don’t you lead with those issues?” said Adam Brandon, a spokesman for FreedomWorks, the small-government, anti-tax organization chaired by former House Republican Leader Dick Armey that sponsored the protest.

Brandon touted the text-messaging system FreedomWorks deployed on Saturday to gauge protestors’ top issues, explaining the group would use the information to organize activists around those issues by congressional district in the run-up to the 2010 election, a similar technique to one used by Obama’s own tech-savvy presidential campaign.

After Saturday’s showing, the grassroots local activists who form the heart of the so-called Tea Party movement hold more of the cards than either the Republican Party or the conservative groups that bolster it, asserted GOP strategist Craig Shirley.

“Could the Republican National Committee turn out 50,000 people on the mall?” asked Shirley, who has a forthcoming book, “Rendezvous with Destiny; Ronald Reagan and the Campaign that Changed America,” chronicles how Ronald Reagan’s 1980 presidential campaign re-centered the GOP around a strong national defense and fiscal conservatism.

“Really the tea party is in the position to dictate terms to the Republican Party. So the question for the Tea Party people is do they say, ‘A pox on all their houses,’ and possibly investigate starting a third party – a populist, anti-big government, anti-Wall Street party – or do they try to take over the Republican Party, starting at the county and state level?”

Still, Shirley suggested that in order for the movement to have a lasting impact on American politics, it needs to embrace an agenda, rather than just oppose the Democratic one. “At some point, that will come,” he predicted.

 

Only a handful of GOP lawmakers were on the roster of rally speakers – and those that did were conservatives like South Carolina Sen. Sen. DeMint, and Reps. Marsha Blackburn of Tennessee, Mike Pence of Indiana, and Tom Price of Georgia.

The common thread among the speakers, both the politicians and the leaders of various conservative groups, many of them with a libertarian tilt, was an assertion of American decline, and that the assembled protesters were the nation’s best hope of correcting course and reconnecting with its traditional values. But the values varied from speaker to speaker, with many concerned about fiscal failings, while others stressed individual rights and others warned of a descent into Socialism and a loss of the “American way.”

Most all of them, though, portrayed the assembled as the first line of defense against these varied national ailments. Rep. Blackburn told the crowd that “You have been called to serve liberty and to defend the futures of our children and grandchildren,” and Rep. Price told them that “”a new generation of patriots has emerged. You are those patriots.”

Republican Party leaders seemed optimistic Saturday that they could harness the energy, which first emerged as widespread in February, when tens of thousands turned out to Tea Party protests around the country, leading to a larger turnout at Tax Day Tea Parties on April 15, and attracting even more attention this summer, when angry constituents turned out in droves to during the recently concluded congressional summer recess to voice their displeasure with their federal lawmakers. 

“If the Republican Party will carry the banner for the people who are here today, I think the majority of Americans will come with us and I just hope the rest of the Republicans here in congress will be smart enough to see that,” Sen. DeMint told Fox News television host Glenn Beck – who has emerged as perhaps the star of the movement – during a special Saturday afternoon broadcast timed to coincide with the march.

DeMint, whose political action committee was a co-sponsor of the march, told Beck before his speech, “I really do believe that in 2006 and 2008, Republicans didn’t just lose our right to govern, we lost our way. I mean, we lost those elections because we walked away from the principles that had drawn hundreds of thousands of people in the nation’s capitol, to the tea parties all across the country and town hall meetings.”

But Beck seemed unconvinced, telling DeMint and Rep. Pence, who appeared with DeMint on Beck’s show via satellite before speaking to the rally – that the national Republican Party had yet to reach “a pivot point.”

“I’m a recovering alcoholic,” said Beck, “and I can tell you the moment I said ‘enough. I have to change my life or I will die.’ And I have not seen that from the Republican Party.”

Americans, Beck said, believe that Republicans have lost their way and that – even when they oppose Obama’s plans – they are doing so for political motivations, not philosophical ones.

“I don’t care who you vote for. I really don’t,” Beck said in introducing DeMint and Pence. “Vote for Republicans, Vote for a Democrat. I think, quite frankly, you vote for either of them right now, and you still haven’t gotten it. And, they are both taking us into a land of gigantic government where they control everything through corruption and everything else.”

Perhaps nothing better illustrates the difficulty Republicans will have in winning over the Tea Party activists than their adulation of Beck, whose fiery populist rhetoric often attracts controversy

At Saturday’s rally, some waved “Glenn Beck for President” signs and many activists attribute the idea for – and energy behind – the marches to Beck. During a March broadcast, he unveiled what he called The 9-12 Project  in which he urged viewers to try to recreate the united America that emerged the day after the September 11, 2001 terrorist attacks.

“It’s not about politics,” Beck said during the March broadcast. “You actually believe in something. And you thought for a while there your politicians did as well. And now you kind of realize well, maybe they don’t.”

As they marched today, the activists — who chanted, “We own the dome,” while pointing at the Capitol — sounded that same note.

“We used to be Republicans,” said Helen Benson of Jacksonville, Florida. “We didn’t like John McCain. The media liked John McCain.”

“They’re certainly not listening – Democrats or Republicans,” said Steve Cobb, who made it to Washington from Cordelle, Georgia with his wife, Sylvia.

© 2009 Capitol News Company, LLC

Will Illegal Aliens Be covered by New Health Care Reform? CNN says Yes

Thursday, September 10th, 2009

cnn.com 

The facts:

The bill, HR 3200, would set up a health insurance “exchange,” in which consumers could compare policies and choose a plan. It would create a government-run health plan to compete with private insurers in that exchange, and extend subsidies for coverage to people who aren’t already covered by employers or federal programs like Medicare and Medicaid. It specifically bars illegal immigrants from receiving those subsidies. Section 246, which is included in the part of the bill that sets up the exchange, forbids payments “on behalf of individuals who are not lawfully present in the United States.”

But when Cardin said undocumented workers “will not be in this bill,” he appears to have missed one point: It may require them to buy their own coverage.

That’s the conclusion of the Congressional Research Service, which issued a report on the topic. According to the CRS, noncitizens who can be considered “resident aliens” under U.S. tax law would have to buy insurance — and unlike immigration laws, the tax code doesn’t distinguish between legal and illegal immigrants.

“Thus, legal permanent residents, and noncitizens and unauthorized aliens who qualify as resident aliens … would be required under H.R. 3200 to have health insurance,” the new report states.

Critics say there is no way to enforce the ban on subsidies for undocumented workers, since the Democratic majority in the House turned back a Republican effort to explicitly stiffen citizenship checks. But Medicare and Medicaid already require those enrolled to provide “a substantial number of documents” to show they’re U.S. citizens or legal residents, said Henrie Treadwell, a professor of community and preventive medicine at Atlanta’s Morehouse University medical school.

Treadwell calls the issue a “red herring,” since many of the estimated 10 million to 12 million illegal immigrants in the United States are getting treatment at emergency rooms already. Doctors are obligated to treat people who show up regardless of citizenship, and most of those costs are being absorbed by hospitals and state and local governments, Treadwell said.

“It is certainly not just something that disappears,” she said. “We are paying now for care that is not preventive, and we are paying millions.”

Some Republicans argue that the measure has left a loophole for undocumented relatives of legal residents to be covered. But Treadwell disputes that, telling CNN that based on her reading of the bills, “There is no loophole currently.” The language in Section 242 of the House bill limits benefits to family members who are citizens or legal residents, she said.

In addition, a widely circulated e-mail critical of the bill states that a non-discrimination clause in Section 152 would require illegal immigrants to be covered by a public health insurance plan. But the first line of that provision forbids discrimination “except as otherwise explicitly permitted by this act.”


The verdict:

False. A new report finds the bill could require illegal immigrants to buy coverage, but it clearly restricts subsidies to U.S. citizens and legal
residents.

Democrat Strategy is to Demonize Insurance Carriers

Tuesday, August 4th, 2009

Politico (Politico)
- Clipping Loc. 20-55 | Added on Tuesday, August 04, 2009, 11:14 PM

Recess strategies center on health Carrie Budoff Brown | 800 words They call this a recess? The five-week House break — the Senate is meeting another week — could go a long way in determining the direction of health care reform when lawmakers return next month. Aware of the stakes, House Democratic and Republican leaders have armed their members with enough talking points and tips to keep them from taking much of a vacation. Here’s the CliffsNotes version of what you need to know about the summer strategy on health care, according to House Democratic and Republican memos: Strangely absent. Many Democrats consider the government-run insurance plan their top priority, but there’s not one mention of it in the House Democratic strategy memo. It’s a noteworthy omission, given that Democratic leaders have said repeatedly and unequivocally that the House bill will include a public plan. Members are instead encouraged to talk about insurance market reforms, which are far less controversial than the public plan. They are following a slight shift in messaging that started last month with the White House calling the bill ‘health insurance reform" rather than ‘health care reform." So what will you hear? ‘No discrimination for pre-existing conditions," according to the House Democratic memo. ‘No dropping your coverage because you get sick. No more job or life decisions made based on loss of coverage. No need to change doctors or plans. No co-pays for preventive care. No excessive out-of-pocket expenses, deductibles or co-pays. No yearly or lifetime cost caps on what insurance companies cover." Weapon of choice. Despite a few recent town halls gone bad, the traditional recess sit-down with constituents is still a preferred method of spreading the message. But both Democrats and Republicans suggest a slightly more controlled option: the telephone town hall, which can make it much harder for critics of either side to hijack the event — and media headlines. An unruly event Saturday with Rep. Lloyd Doggett (D-Texas) suggests it may be a long recess month. After saying he would support the Democratic health care plan even if his constituents opposed it, the congressman faced chants of ‘Just say no." The shouting protesters followed him to the parking lot with signs and appeared to cheer when his car pulled away, according to a video posted on YouTube. Message of choice. Voters could be in for a confusing month. Republicans plan to argue that the Democrats want a government takeover of health care. Get used to hearing Republicans draw comparisons between the health care effort and the bailout of the auto and financial industries.’Democrats are leaving Washington on the defensive, and as a Republican challenger candidate, you must do everything you can to own the issues and frame the debate," the Republican memo states. ‘It is up to you to reaffirm what the voters already know, which is that government is NOT the answer to an ailing economy." Democrats have built a messaging strategy aimed at explicitly refuting the government takeover argument. The Democratic boogeyman is the not the government but, rather, insurers, which disrupt the doctor-patient relationship. By all means necessary. Democratic House leaders seem intent on leaving no media untouched. If you go on Facebook, they want you to visit their health care reform page. Ditto for Twitter. They also want members to create their own health care Web pages and are sending a template to member offices in case they didn’t get the hint the first time. And lawmakers should record YouTube videos, reach out to Hispanic media, hold online video chats with reporters and create flash quizzes on health reform for their websites, the leaders urge in their strategy memo. Best gimmick. You know that clock in Times Square that displays an ever-spiraling uptick in the federal debt? The ‘hidden tax" clock is next. Look for one on a member website near you, tallying the money insured families pay to subsidize the care of the uninsured. The strategy is to convince people who worry about paying more money to cover the uninsured under a reform bill that they are already footing the bill. The idea of a hidden health tax was introduced in a May report from the liberal consumer group Families USA. Its bottom line: In 2008, families paid a ‘hidden health tax" of $1,017, and individuals paid $368. Shameless coordination. Democrats will roll out all their assets. The House Democratic memo details coordination not only with the White House and Health and Human Services Secretary Kathleen Sebelius but also with advocacy groups, including Health Care for America Now, AARP and the Service Employees International Union. Spoiler alert. Republican House leaders are urging members to submit op-eds to local newspapers for Aug. 17 to mark ‘the six-month anniversary of the signing of the failed ’stimulus’ bill’" — which will no doubt be tied back to the health care debate.

House releases version of Health Care Proposal—More taxes on small business!

Tuesday, July 14th, 2009

By Ric Joyner, CEBS, GBA, CFCI

Inside the beltway information is showing the Democrats are up against the wall with rising unemployment, cap and trade (tax on energy), health care and a deficit that is the biggest in history. Their constituents are speaking up against the “change” agenda that could stop job growth. With that said, the House came out with today with their version of Health Care Reform. A synopsis of the bill from Kilpatrick Stockton follows.

—————————————————————————————–

Mark Stember, JD

While the Senate committees have been bogged down with discussions over taxing employer provided health coverage, the House Ways and Means Committee has been furiously working on a draft health care bill that uses a different funding source.  Today, the House Ways and Means Committee released a draft health care reform bill that is projected to cost approximately $1 Trillion over 10 years.  The main funding source for this draft bill is a surtax on high income individuals.  The graduated surtax starts at 1% for married couples with incomes over $350,000 and tops out at 5.4% for married couples with incomes greater than $1 Million.  The surtax is expected to raise slightly over half of the cost of the legislation.  

Other highlights of the draft bill include the following:

  •  
    • Individuals will be required to purchase health coverage, or pay an income tax penalty.
    • Employers will be required to either provide health insurance coverage that meets certain minimum benefit and contribution requirements, or pay a penalty based on 8% of their payroll.  The minimum employer contribution would be 72.5% for individual coverage and 65% for family coverage.  The minimum benefits include preventive care with no cost sharing, as well as dental and vision coverage for children.  Annual out of pocket maximums are also capped.
    • The legislation would create a public health insurance option.
    • Pre-ex exclusions would be prohibited.
    • Changes are made to Medicare and the Medicare Part D benefit is improved.

While the draft bill is comprehensive in both size and scope (dropping in at over 1,000 pages), it is only a starting point.  The House Ways and Means Committee has scheduled a mark-up for later this week, and it must be voted on by the entire committee, and then the full House.  Afterwards, it would need to be reconciled with whatever bill is voted out of committee and then approved by the full Senate.  We are still hearing that the leadership would like to have the full House and Senate have their respective bills done by the August recess.  However, even with today’s release, that timeline still appears to be aggressive.

The employee benefits committee of KS has a summary of the bill at this link.

Update on Health Care Reform

Wednesday, July 1st, 2009

By Ric Joyner, CEBS, GBA

I remember in 1994 when “Hillary Care” was collapsing under it’s own weight because the change was too massive. This appears to be happening again. However, this time, President Obama has opened several “change” fronts.The list starts with Health Care Reform (1-3,500,000,000,000 [let the zeros sink in] ) in new expenses. Next is “Cap and Trade” which is a European form of energy tax. What this means for average Americans is higher energy usage taxes on electricity and gas. In Germany, where Cap and Trade is underway the average German family saw their electric bill go up 25%. Some in DC are saying this is the largest tax increase in American history, in the name of Global Warming.

Left wing view of cap and trade. http://www.americanprogress.org/issues/2008/01/capandtrade101.html

Right wing view of cap and trade. http://www.heritage.org/Research/Economy/wm1723.cfm

Another new new front is for comprehensive immigration reform. These are bold and strategic steps the President is taking. In summary, when a president attempts to take on more change fronts the projects tend to fall apart or become minimized. In my opinion I hope that the taxation of employee benefits is laid to rest including elimination of Flexible Spending Accounts, which is our livelihood as well as 1.3 million employees and 48,000,000 participants (1-6 Americans).

Jobs are being lost at a record pace and this is forcing down the presidents poll numbers. The stimulus bill dollars are slow to funnel into the economy which now has created further angst on those waiting to get funding for projects and put people to work. Ahhh…the government is so efficient. I can’t wait for my health care to be provided by a bureaucrat!

Senate now is 60% Democrat with the seating of Al Franken, which means they have majority control and  this can  means the Dems can pass bills faster. For Obama’s agenda this is strategic coup! However, your voice is now more important than ever. Your representative is accountable to you as a voter and they want to hear your comments or concerns. Get a plan and work the plan.

Good news from an NAPBA member who is educating their representatives. An mail report came in this week on status of their representative who sits on the Senate Finance Committee.

Yesterday, we spoke with Geri Gaginis, Senator Conrad’s Executive Assistant regarding setting up a meeting with Senator Conrad in DC.  Geri told us that with the markup of the health care reform bill starting next week, he won’t have time but that she does not think we need to be concerned about the issue of FSAs, HSAs and HRAs under health care reform.  She stated that both Kate Spaziani and Dana Halvorson are very close to the action and confirmed that both Kate and Dana believe that FSAs, HSAs and HRAs will remain a viable option under health care reform. 

Suzanne Rehr

Executive Vice President

Discovery Benefits, Inc.

 

Newsletter from our Attorney:

Clients and colleagues:

As we approach the July 4th holiday, Congress and key players in health care reform are still debating about the three key issues - an employer mandate, taxation of employer-provided health care benefits and a public plan option.  No substantial developments have emerged on any of the three fronts, and none is expected until Congress reconvenes after the holiday.  However, a number of other developments have emerged including the following:

  • The Congressional Budget Office (CBO) scored the Senate’s draft bill at a cost in excess of $1.6 Trillion over 10 years, but recently the Senate Finance Committee believes it can scale down the the bill to $1 Trillion.  This leaves one-half to two-thirds of the bill with no revenue offset, because even taxing employer-provided coverage is only expected to raise approximately $250 -$500 Billion over 10 years.
  • Wal-Mart has sent a letter to President Obama supporting employer-provided coverage and an employer mandate (see attached).

Have a great Holiday.  If you have any questions, please let us know.

The KS Health and Welfare Team

Mark L. Stember
Kilpatrick Stockton LLP
607 - 14th Street, NW, Suite 900
Washington, DC 20005-2018
202.508.5802 (P)
202.585.0018 (F)
mstember@kilpatrickstockton.com

The job of educating our representatives is up to us. Getting the word out to clients, your employees and participants is crucial. The tools to do this are located at: www.napba.og

eflex is adding this survey to our emails and you can too. Our employees are adding this to their emails: Do you like your flex plan? Please complete this survey.

http://www.zoomerang.com/Survey/?p=WEB229BAUR6MBCs

Good luck and don’t let others do all the heavy lifting…make your opinion heard.

eflex employees speak out on health care reform—their jobs!

Saturday, June 27th, 2009

By Ric Joyner

eflex employees were told in meetings of the Senate Finance Committees plans to eliminate or cap employer tax breaks on employee benefits. After sharing this information with employees, and the impact that the cuts would have on them, they immediately asked what they could do to let help. Then we let them know that flex plans (FSAs) could lose its tax savings and eliminate our industry! Of course they were upset and began to let their voices be known to their Congressional Representatives.  www.house.gov and www.senate.gov

Here is the video the staff put together. http://www.youtube.com/watch?v=pFOrHR637Qo&feature=channel_page

Please consider writing your representative. Here is a step by step guide.

http://napba.org/Flexplan.html

For a survey that you can send to your clients and they can pass on to their employees: http://www.zoomerang.com/Survey/?p=WEB229BAUR6MBC We are including this survey on each of our emails to customers and to clients. We will collect the data and send along to Congress.

Thanks again and pass this information along to clients, friends, and colleagues!

Congressional Budget Office Releases Preliminary Numbers on Kennedy Dodd Health Care Bill

Tuesday, June 16th, 2009

Surprise! People will lose their insurance and gain insurance with a net increase that moves us backwards! And sacrificing Flexible Spending Accounts hurts employees and employers by eliminating the ability to afford out of pocket medical expenses, childcare and insurance premiums to pay for the health care bill which will put millions on the uninsured list not to mention unemployment. And we will lose our freedom and choice of doctor regardless of what Obama promises.

Preliminary Analysis of Major Provisions Related to Health Insurance Coverage Under the Affordable Health Choices Act

CBO and the Joint Committee on Taxation staff worked together to produce a preliminary  analysis of the major provisions related to health insurance coverage contained in the “Affordable Health Choices Act,” drafted by the Senate Committee on Health, Education, Labor, and Pensions (HELP).  The estimates are based on provisions from title 1 of the draft legislation released by HELP on June 9th. Among other things, the draft legislation would establish insurance exchanges (called “gateways”) through which individuals and families could purchase health insurance coverage. The proposed bill also would provide federal subsidies to substantially lower the cost of that coverage for some enrollees.

According to our preliminary assessment, enacting the proposal would result in a net increase in federal budget deficits of about $1.0 trillion over the 2010-2019 period. When fully implemented, about 39 million individuals would obtain coverage through the new insurance exchanges. At the same time, the number of people who had coverage through an employer would decline by about 15 million (or roughly 10 percent), and coverage from other sources would fall by about 8 million, so the net decrease in the number of people uninsured would be about 16 million or 17 million.

These new figures do not represent a formal or complete cost estimate for the draft legislation, for several reasons. The estimates provided do not address the entire bill—only the major provisions related to health insurance coverage. Some details have not been estimated yet, and the draft legislation has not been fully reviewed. Also, because expanded eligibility for the Medicaid program may be added at a later date, those figures are not likely to represent the impact that more comprehensive proposals—which might include a significant expansion of Medicaid or other options for subsidizing coverage for those with income below 150 percent of the federal poverty level—would have both on the federal budget and on the extent of insurance coverage.

CBO will continue to work on an ongoing basis with the HELP Committee and the other Senate and House committees involved in health care reform to provide estimates and analyses as legislation is developed.