By David Lightman
November 7, 2009 | McClatchy Newspapers
These are some of the changes in the way health insurance would work in the United States if the House bill were to become law:
1. Creates a government-run plan, or "public option," to offer insurance coverage to compete with private sector insurance companies.
2. Sets up health insurance "exchanges," or marketplaces, where consumers can easily compare coverage and rates.
3. Requires nearly everyone to obtain health insurance coverage starting in 2013.
4. Ends blanket exemption for insurers from anti-trust laws.
5. Provides federal financial help for lower and middle income consumers so they can obtain coverage.
6. Bars insurers from denying or limiting coverage because of pre-existing conditions.
7. Bars insurers from imposing lifetime limits on coverage.
8. Expands Medicaid coverage to more people.
9. Imposes a 5.4 percent surcharge on adjusted gross incomes of more than $500,000 for individuals and $1 million for joint filers.
10. Imposes penalties on people and businesses who fail to comply with the new law.
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