• Nothing in this plan requires you to change what you have.
• It will be against the law for insurance companies to deny you because of a pre existing condition.
• It will be against the law for insurance companies to drop your coverage
• Insurance companies will no longer be allowed to place a cap on lifetime benefits
• This plan will place a limit on out of pocket expenses
• Insurance companies will be required to cover preventative care

If you are currently uninsured:

• An exchange will allow you to shop for coverage and you may pick from private and public plans
• Those that can not afford insurance will get credits to purchase coverage

The exchange will take effect in four years.

Young and healthy – not getting coverage, businesses choosing not to cover their employees

• Those that choose not to get coverage cost the rest of us money in higher premiums
• You will be required to carry health insurance like you are required to carry auto insurance
• The public plan would only be available to those with out health insurance through the exchange

How do we pay for this plan

1. Provision that will bring about more spending cuts if there is a chance it will add to the deficit
2. Savings in the system will help take care of the majority of the expense of the plan (medicare & medicade)

Medicare address

• Not one dollar of the medicare trust fund will pay for the public plan
• Will eliminate the excess money going to private plans that do not improve care (medicare advantage)
• Savings will fill the gap in coverage of the prescription program (no more dougnut hole) – needed bigtime!
• Tort reform (medical malpractice lawsuits)