How does the Affordable Health Care for America Act of 2009 help people with insurance?
The Affordable Health Care for America Act will stop insurance companies from denying coverage to Americans with pre-existing conditions including heart disease, cancer or diabetes and from hiking up rates or dropping coverage for those who get sick. It will also rein in rising health costs for American families and small businesses—introducing competition that will drive premiums down, capping out-of-pocket spending, eliminating copays for preventive care, ensuring no yearly caps on what the insurance company will cover, and providing premium subsidies for those who need them. For small businesses, tax credits will help them cover their workers and eliminating health status rating means they won’t pay higher premiums based on their employees’ health status. The bill ensures that it is doctors and patients—not insurance companies—making health care decisions. More family doctors and nurses will enter the workforce—helping to improve access. It moves us toward a system that rewards the
