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house Bill H.R. 6311

Letting Premium Tax Credits Cover Low Premium Insurance Plans & Ending the “Use It or Lose It” Rule for Flexible Spending Accounts

Argument in favor

This bill would expand consumers’ choices in the healthcare market by allowing all to purchase the health insurance plans with premium assistance tax credits while making changes to make Health Savings Accounts more useful to all Americans.

Jennifer 's Opinion
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07/25/2018
Comments are all over the board again. And with many, it’s very obvious that they have not read the legislation, nor do they have even a basic understanding of health savings accounts. Even the Democrat opposition listed show their ignorance. But for the most part...1) This is somewhat bi-partisan, 2) Just because it doesn’t include birth-control—which I think it should, because a person is spending money from their own account and it is not funded by an employer—that an individual can use it for over-the-counter drugs may help prevent a more expensive trip to the physician (pregnancy or flu), 3) It will allow for gym fees to be included which works toward prevention, 4) Health Savings Accounts are not only for the rich. Many employers offer these, 5) Health Savings accounts allow people to put pre-taxed income in an account to use for healthcare, and allow for flexibility for those CHOOSING to use one, 6) These accounts will not drive up healthcare costs, but provide one more option to pay for the things that may help someone to stay healthy so they don’t have to run off to the doctor for every sniffle, for high blood pressure or pre-diabetes related illnesses, all which can be prevented with exercise. I say vote, “yeah,” on this legislation.
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07/22/2018
Yes to self-sufficiency. Yes to keeping more of your own money. Yes to increased HSA allowances.
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David's Opinion
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07/25/2018
Health Savings Accounts (HSA) are a No-Brainer! Young people can become healthcare independent by retirement age as a result of having an HSA during their working life.
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Argument opposed

This bill would unwisely promote enrollment in cheap health insurance plans that cover few up-front costs and expand Health Savings Accounts, which primarily benefit the wealthiest Americans.

Craig 's Opinion
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07/22/2018
Single payer healthcare now! The ACA does nowhere near enough to help Americans. This bill favors wealthy Americans. Keep the ACA intact or replace it with Medicare for all.
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alexbente's Opinion
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07/25/2018
Single payer healthcare system is really the best move forward for healthcare in America.
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Hannah's Opinion
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07/22/2018
No, under the guise of increased consumer flexibility, this bill would start the slippery slope back down to where we were before. The paltry protections they give are not worth the money they cost. Please vote no.
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bill Progress


  • Not enacted
    The President has not signed this bill
  • The senate has not voted
  • The house Passed July 25th, 2018
    Roll Call Vote 242 Yea / 176 Nay
      house Committees
      Committee on Energy and Commerce
      Committee on Ways and Means
    IntroducedJuly 6th, 2018

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    This bill would expand consumers’ choices in the healthcare market by allowing all to purchase the health insurance plans with premium assistance tax credits while making changes to make Health Savings Accounts more useful to all Americans. Increase my liberties and freedoms by allowing me to make my own choices and spend my own money.
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    We need single payer. While this will make more options this is a terrible option for anyone! Pay less for less care and hope you never get sick or need medical attention.
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    I am self employed and for us, the health care bill increased our deductables and the cost of our policies. Also, if the government takes over health care for the entire country, there will be a two tiered system, those on the public HC system and those that can afford private care. Health Savings Accounts are the way to go.
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    Health Savings Accounts should be eliminated as they benefit only the rich. "Low Premium" insurance plans don't cover many common needs. Another word for them is "junk insurance" like we had before the ACA. Their existence also drives up the cost of health care for everyone else who needs full coverage by reducing the pool. Apparently Republicans don't understand how insurance pools work - hold down costs for everyone by increasing the size of the pool.
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    The problem with the current structure of HSA's is the use it or lose it rule. It promote wild spending at the end of the year, wild guessing on your spending for the following year, with a penalty if you over or under guess, you can't win. If we could keep the fund year over year we could also build a kitty to cover us as we age ewhen we reach the point of end of life when our expenses are extremely high. It thus promots saving for those days.
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    This would actually end up INCREASING premiums for most people, particularly those with families, special needs children, and seniors. It would allow the healthiest to purchase dirt cheap plans, thus taking them out of insurance pools leaving insurance companies with more medically needy customers thus requiring greater and greater premium increases. Additionally studies have repeatedly found that HSAs do not bring down medical costs for families, they only cause people to forego preventative care/maintenance and end up needing costlier interventions, or waiting too long resulting in greater likelihood of disability or death
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    MEDICARE FOR ALL-----IT WOULD COVER EVERYONE
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    Why are we subsidizing insurance companies? When are we going to cut out the middleman and take healthcare straight to the people?
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    Poor and low income families don’t have flexible spending accounts. Universal healthcare is good enough for congress, it’s good enough for the American people. Stop trying to pass BS legislation that doesn’t help those who need the most help.
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    Health care needs to work for those that work for it. It should be 100% in favor of working peoples’ benefit vs the government benefit.
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    We are the only first world nation to view healthcare as a privilege available only to those who can afford it. This bill does not provide for healthcare but instead makes it more difficult to obtain the healthcare people need. As for HSA’s, you have to have a significant income to afford them. Most middle class and working families can’t.
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    This is “allowing” citizens to buy garbage plans that do nothing but take their money. They are the worst kind of capitalist swindle, praying on sick people. This is reprehensible.
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    It looks like this bill is being positioned to break up the ACA marketplaces.
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    SINGLE PAYER FOR ALL! When will the United States join the Civilized Nations with REAL actual Healthcare for their people and actually start taking care of ALL of its citizens like those countries do? Hell Costa Rica has a far better healthcare system than the US does! You can tell by the fact the mortality rate for Pregnant Women and Newborns is much LOWER in Costa Rica than it is here in the US, a supposed First World Nation. I don’t think so! As things stand now, Congrats,it’s official,we live in a Third World Banana Republikkk complete with extreme income disparity and blatant corruption in the government—But hey, we got a fucking huge bad ass Nuclear Arsenal. Phooey! Our Government now operates and creates policies based on the morally bankrupt Philosophy: Billions for Defense BUT not one goddam cent for the Defenseless—and Death Panels for All.
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    To me it only makes sense especially when it eliminates use it or lose it.
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    Lower premium plans are generally not worth the paper they are printed on.
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    Used to be there weren't these restrictions on hsas. Also, this is OUR money. It should be permitted to be rolled over and not go back to the government at the end of the fiscal cycle.
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    Obamacare is a blight on medicine, medical innovation, and consumers. It improved NONE of the issues it was purported to and made many aspects exponentially worse.
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    Low cost health insurance is an oxymoron. Any health insurance that provides any real benefit to the patient cost real money. These "low cost health insurance plans are mostly useless and insurance scams.
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    About time!
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