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Health Care Bill Passes: WHAT YOU NEED TO KNOW

First Posted: 05/21/10 06:12 AM ET   Updated: 05/25/11 04:55 PM ET

After months of fierce debate in Washington and around the country and after an intense day of voting on Capitol Hill, the House of Representatives passed a health care reform bill and it's on its way to President Obama's desk.

Once Obama signs the bill into law, as he is expected to do on Tuesday, it will mean an end to the current health care system as we know it.

Pundits on the right and left have been reacting to passage of the legislation, but what does the bill actually mean for the average American?

The Huffington Post has compiled a list of the top 18 immediate effects of the health care bill as well as some that will take effect in the first year of implementation:

No More Denials For Pre-Existing Conditions
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Health insurers cannot deny children insurance because of pre-existing conditions. A ban on the same discrimination against adults will take effect in 2014.
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EARLIER:

After more than a year of virulent debate, Democrats marched through a throng of jeering protesters, whose slurs recalled a Washington of the 1960s -- when the party forced civil rights legislation and Medicare through a fiercely divided Congress. Against unified Republican opposition, they built on that foundation Sunday with the passage of a health care reform bill that extends coverage to 32 million Americans and tightly regulates the insurance industry.

"It is with great humility and with great pride that we tonight will make history for our country and progress for the American people," said House Speaker Nancy Pelosi (D-Calif.) before the vote to a standing ovation on one side of the aisle and silence on the other. "Just think--we will be joining those who established Social Security, Medicare, and now tonight, health care for all Americans."

Democrats passed two pieces of legislation. The first, a comprehensive reform package passed at the end of December by the Senate, now goes to President Obama for his signature, passing the House 219-212. The second piece, passed through the reconciliation process by a 220-211, makes fixes to that measure and now heads to the Senate for a final vote.

Watch yesterday's health care debate condensed into 10 minutes:


The rancor of the protesters outside was audible inside the Capitol, where it resonated with the Republicans. In the afternoon, Republicans on the floor cheered when a protester in the visitors gallery was forcibly removed by police for interrupting proceedings by yelling "kill the bill!" Republicans fed the tea party crowd by appearing before them on a Capitol balcony with "kill the bill" signs, basking in the anger below them.

The hostility culminated in a tremendous breach of congressional rules when, as he spoke out against a GOP procedural ploy, Rep. Bart Stupak (D-Mich.), as pro-life as any Democrat, was called a "baby killer" by someone from the Republican side of the floor.

Republicans refused to identify the person responsible for the outburst, though Rep. John Campbell (R-Calif.) said he suspected it was someone from the Texas delegation sitting behind him. Some reporters suspected it was Campbell. The presiding officer, Rep. Dave Obey (D-Wisc.), told reporters he knew who it was but he declined to identify the person.

"Members have a right to make an idiot of themselves once without being exposed," he said.

It was a fitting end to vicious battle that will now be contested in the midterm elections, as Republicans vow to repeal the reform.

Rep. John Lewis (D-Ga.), a former Freedom Rider and Civil Rights leader who was the target of racial epithets on Saturday, asked by HuffPost about the slurs, said after the vote he felt "more than gratified."

"I feel a sense that we're on the side of the angels," he said. "When historians pick up their pen and write about this period, they will have to say that the majority party forgot about the politics and did the right thing."

Rep. George Miller (D-Calif.), chairman of the House Education and Labor Committee, said he was "honored" to have participated in the vote. "I can look people in the eye today and say, 'As of now, as this law is implemented, never again will you lose your health insurance.'"

The law will immediately clamp down on the insurance industry habit known as "rescission" -- dropping policyholders when they get sick -- but the major reforms will happen in 2014, when consumers will be able to choose an insurance policy among several available on an "exchange." There will be caps on out-of-pocket costs and subsidies depending on income. And insurance companies will no longer be able to deny coverage based on preexisting conditions.

The measure mandates all Americans hold health insurance and does not provide for a public option.

Some reforms will take effect almost immediately: Within 90 days of the president putting his signature on the bill, the Department of Health has to set up a $5 billion "interim high-risk pool" for people who are essentially uninsurable because they're sick. Within six months, insurance companies will not be able to deny coverage to children because of preexisting conditions.

"This isn't radical reform, but it is major reform," President Obama said in a statement after the vote. "This is what change looks like."

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After months of fierce debate in Washington and around the country and after an intense day of voting on Capitol Hill, the House of Representatives passed a ...
After months of fierce debate in Washington and around the country and after an intense day of voting on Capitol Hill, the House of Representatives passed a ...
 
 
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01:12 PM on 05/07/2010
I am told that something was snuck into the health care reform bill that requires 1099's to be given to every vendor a business has who recieves over a certain small dollar amount. Is this in fact true?
12:57 PM on 05/03/2010
The way I see it is this country is divided... not down the middle. Most people want the government out of their lives and let them make their own decisions on what they will spend their money on. They don't mind working hard for what they have and feel that they shouldn't be penalized for success. Then there are those that figure that the government should take care of them and don't mind being taxed out the kazoo to help pay the bills for those that can't seem to get their stuff together and take care of themselves. And this is NOT the majority of this country but they (minority) roar their position from the rafters of the media (liberals for the most part) so they are heard loud and clear. Whereas the majority has a strong voice too but they don't have the support of the media so they aren't heard as loudly. So it makes it look like that most agree with the minority which is not the case. This health care bill is paving the way in this country for a socialist government system instead of the capitalist government that has actually made this country successful and the best country in the world. I have high doctor bills too but I will be damned if I will let the government pay my bills. No thank you. I'll pay my own bills, thank you very much!
03:02 AM on 04/25/2010
I am enthusiastic about this new health care bill. As a student in the age range between 18-35, I can be included in the statistics of those without health care. This will help us access to the basic needs to survive in this country without having to place your home in mortgage or drown in credit card debts when you get sick. Other countries have always been ahead of us progressively and their total HDI has always been ahead of us, considering ourselves a very liberal and progressive country, we are ranked 13th in theHuman Development Index.The top countries include Norway, Australia and Canada.Despite some sacrifices we all have to make, such as longer wait times in the doctors office and an increase in tax, I think that overall, it will boost the moral of our country with everyone being cared for.
07:25 PM on 04/19/2010
I don't see how any one who is an american citizen can oppose the fact that the health care reform bill has been passed. why would be outraged that miliions of people will now have health care. There are so many out there that cannot afford health care or those who have pre-existing conditions that are not covered by health insurance. I for one am happy that this bill has been passed ,every one will now have the opportunity to get suffcient affordable health care. I am one of those adult children that can now be covered through my parents policies til im 26. before that i made too much money to get medicaid but not enought to afford it through my employers. so therfore i am greatful and i dont mind that my taxes are goin to help people that simply cannot afford health insurance regardless of their background or history!
07:56 PM on 04/12/2010
I am so angry that this bill passed. Why can't the government just get out of our lives? They are FORCING Americans to buy health care. That's illegal! what are they going to make us do next????? we are giving up our freedoms one step at a time! Doesn't anyone see this???? Lord please help us:(

http://www.facebook.com/pages/I-am-100-against-the-Health-Care-Bill-It-is-ILLEGAL/113166918711691?ref=mf

please join this group/become a fan if you agree!
10:02 PM on 04/16/2010
We also have to pay taxes for the military. I am a pacifist and I hate wars. So you are okay with paying for something that leads only to death, but something that can save lives is what you have a problem with? Why?
07:51 PM on 04/07/2010
People have a right to be furious about the healthcare bill. Yes its great that 3.2 billion people will have healthcare but why are we just finding out about what is in this thing now? I think that its stupid that it passed because in the first place we can not afford it. I know for a fact that my state can't because their one of the states suing. Where is Obama and his democrats going to get this money? All Americans have a right to be mad. One of the reasons why is because people who have a better healthcare plan will be taxed more than others. Who will that effect. The middle class, people who worked hard for their money in order to give a better healthcare plan to their children.
04:05 PM on 04/07/2010
I just contacted my insurance to get my 25 year old daughter (who is getting her master's degree) added to my insurance, and they said it won't take effect until November, 2011. Can someone point me to the actual bill because my daughter needs to have an operation within the next few months? Since she is a student, she is trying to apply for indigent status but with this new reform bill, she should be able to use my insurance. I don't trust my insurance provider to tell me the truth and I'd like to point to the actual language in the bill to refute their claims.

Thanks
04:07 PM on 04/06/2010
" -- but the major reforms will happen in 2014, when consumers will ***be able to choose an insurance policy among several available on an "exchange." **** "

Phrasing what happens in 2014 using the term "be able" is really a gross distortion of what happens in 2014. Starting 2014, 30 million people who now choose not to buy health care insurance, will be required by law to do so. If they do not purchase health care insurance they will be fined. Of those 30 million, 18 million earn more than $50K/yr and 12 million are in the ultra healthy age group of 18 to 34 (data from US census bureau). This is the issue which has prompted 14 AGs to file lawsuits against this bill. It is amazing to me how few people understand the basics of this bill. When this fall roles around, we will see how many of those who now have to buy health care insurance will think that they have been done a favor. We'll also see how many over 65 plusers will like this. My bet... not many!
11:06 PM on 04/05/2010
Thanks for this article! Really helpful! Has anyone else found any other blogs/ news sources that detail how health care will affect the everyday American? So far I have found this blog, in case anyone else wants to check it out!

http://blog.greensherpa.com/index.php/personal-finance/what-will-the-health-care-reform-do-for-you/
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HUFFPOST SUPER USER
Armando Olmos
Political Advocate For Seniors And
02:40 PM on 03/31/2010
The Republicans want to repel the new health care legislation; if they think that they can let them try. We won the election. Were in the driver seat. Do they want to go back to the days of 60,000,000 without health care insurance, and 6,000 dying every month because they lack health insurance.
07:11 PM on 04/12/2010
We can, and we will. Believe me. This bill is absolutely 100% ILLIGAL. No where in the consitution does it say that the president can force this on us. And yes, that is exactly what he is doing. Every American must now by health care, and if you don't, then you are going to jail. Nancy Pelosi even said so herself, and if you don't believe me, I can send you her audio in an interview.

Bet you didn't know this fact either: 47% of americans are currently not paying any icome tax based on specific criteria they have met. They pay for their taxes, but it gets rfounded to them. If you don't buy the health care, the government will take that refound from you in order to pay for it. Like it or not, that is how it is going to be.

How does winning the election have to do with this bill???? you may be in the driver's seat as of right now, but so many democrate reps realized that they made amistake in passing this bill that they aren't running for re election because they KNOW the people won't vote for them.
01:33 PM on 03/30/2010
This is theft Americans' right not to buy health care. Pure and simple. The whole health care insurance system is a money racquet. There is no fairness in it. Doctors don't charge the insurance companies as much for individual items as they do for somebody that walks in off the streets. I wonder what they get as a reward for this. If they charge you $20 for a vaccination, they charge the insurance company about $12 for the same vaccine. If they charge you $50 for a test, the insurance company gets charged $30 for it. If you have health insurance, you are part of the problem and not the solution. Boycott the health care insurance industry and save America from this money-making scheme.

"I think myself that we have more machinery of government than is necessary, too many parasites living on the labor of the industrious." Thomas Jefferson
09:54 AM on 03/30/2010
insurance isnt a right - you afford it by working and paying for it. what did our ancestors do 100 years ago - they bartered, traded, whatever to pay for medicines. I should not have to pay for a gang banger who drops out of school and sells drugs, steals, etc but has no reported income so therefore I cover him.

The problem with America is that people have lost sight of the principals of this country - that you are what you make of yourself.

Income redistribution is socialism at its worst.

government has proven it cant run something as simple as delivering the mail - I certainly dont want their hands in my medical choices.
04:18 PM on 03/29/2010
Nice try. The [civil rights] bill came before the full Senate for debate on March 30, 1964 and the "Southern Bloc" of 18 southern Democratic Senators and one Republican Senator led by Richard Russell (D-GA) launched a filibuster to prevent its passage. But your braindead readers will of course believe you.
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HUFFPOST COMMUNITY MODERATOR
Dosadi
Political agnostic
04:42 PM on 03/24/2010
Here is what I don't understand. President Obama just signed into law a bill that requires all Americans to be accountable for their own health care, ending the healthcare welfare system.

1.Why are the republicans against that?
2 How did so many people get brainwashed into believing this is somehow a giveaway?
3. Why is the tea party against welfare (no hand outs) but also against a bill that does away with health care welfare?

Something is not right here. The reasons given by the protestors do not match reality. They are hiding something, what could it be?
09:25 AM on 03/25/2010
I know that's what I was saying yesterday. It's not an entitlement right? sorry losers is all. Powertrip! due to the fact trying to make Obama FAIL well it didn't work.Fear tactics didn't work! We stood up for Obama for change! He's doing it! All at the polls, all rising up WE wanted something done! Republicans have SAID they will vote against all to make him fail. That should be against the law, treason, something! Contempt? The person that yelled out baby killer.. SHOULD BE ARRESTED you can't talk to a judge that way.. what is the President? At the top of all!

People like Rush, Shawn, Palin all the other ranting entertainers are going to get people killed! saying we need to take them out etc...
Talk about UNPATRIOTIC!! REMEMBER WHAT THEY DID TO THE DIXI CHICKS?
04:26 PM on 03/29/2010
1. It's Sean.
2. the "baby killer" comment was not "yelled" at Obama, it was as Stupak and the guy apologized. I haven't heard any democrat ever apologize for calling Bush a murderer.
3. Treason? oh my goodness, another year of school wouldn't hurt you a bit. But then again, the public (liberal) school system is probably where you got your misinformation.
4. No, what did we do to the Dixie Chicks? Talk about treason, I do believe they were as guilty as anyone of treason, actually.
04:20 PM on 03/29/2010
what's not right here is your understanding of the whole issue. This health care bill is one great big welfare package. In no way is this constitutional nor is it sustainable.
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HUFFPOST COMMUNITY MODERATOR
Dosadi
Political agnostic
04:46 PM on 03/29/2010
Prove it. This is just another example of someone whining about something they don't undersatnd. You just made some strong claims now prove them. haow about some facts, some history, a little 1 plus 1 equals 2. You got nothing. The Constitution makes it as legal as going to war. This is a right wing talking point that has no bases in reality.
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LostDemocracy
Equality in Opportunity, NOT in outcome
03:09 PM on 03/23/2010
"When the people find that they can vote themselves money that will herald the end of the republic." - Ben Franklin
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HUFFPOST COMMUNITY MODERATOR
Dosadi
Political agnostic
04:37 PM on 03/24/2010
Good quote. Fits today's times.