Podcasts about reconciliation act

In April of this year, the report, Bitter Legacy: State Impunity in the Northern Ireland Conflict, was published. Written by a panel of international human rights experts (The International Expert Panel on Impunity) convened by the Norwegian Centre for Human Rights at the request of the Committee on the Administration of Justice and the Pat Finucane Centre, the report documents “widespread, systematic and systemic” impunity for British state involvement in killings, torture and ill-treatment, and collusion. In this episode, Brian Dooley, Senior Advisor at Human Rights First and member of The International Expert Panel, joins Lauren Dempster and Kevin Hearty to discuss state violence in Northern Ireland, the report's development and findings, and the impact of the Northern Ireland Troubles (Legacy and Reconciliation) Act 2023 on efforts to address the legacy of the past. You can access the report here: https://www.jus.uio.no/smr/english/about/id/docs/bitter-legacy-29-april-24.pdf Please note that this episode was recorded on 3rd July 2024, one day before the UK General Election in which the Government that introduced the ‘Legacy and Reconciliation' Act discussed in this episode lost power. The new Secretary of State for Northern Ireland has since provided an update to parliament on the new Government's approach to the Act: https://www.gov.uk/government/speeches/northern-ireland-troubles-legacy-reconciliation-act-2023#:~:text=It%20underlines%20the%20Government's%20absolute,and%20of%20victims%20and%20survivors

The Legacy Act is Here The widely opposed Legacy Bill is now enacted as the Northern Ireland Troubles (Legacy and Reconciliation) Act, 2023. But it remains widely hated and the Irish government has launched inter-state proceedings against the UK administration. This is a clear and strong sign of how bad relations are between the two governments that are co-guarantors of the Good Friday Agreement.Out of what we can now call the Legacy Act comes the Independent Commission for Reconciliation and Information Recovery. While this body – abbreviated to ICRIR – investigates past events from the Troubles, the Act limits criminal investigations, legal proceedings, inquests and police complaints. The Act also extends the prisoner release scheme that was initially enacted in 1998. In addition, the legislation aims to provide “for experiences to be recorded and preserved and for events to be studied and memorialised”.The Irish government's inter-state case claims that the Legacy Act reneges on previous commitments entered into by the UK government through the Stormont House Agreement. In addition, that the legislation is not victim-centred; that it is not consistent with obligations under the European Convention on Human Rights, which is a cornerstone of the Good Friday Agreement; that it is widely opposed within Northern Ireland; that it allows for the granting of immunity; and that it closes down existing police investigations and civil actions. Ireland argues that the ICRIR investigations are not a substitute for properly resourced police investigations.In the latest Holywell Conversations, Sara Duddy from the Pat Finucane Centre explains why it and the victims it represents will not co-operate with ICRIR. Coinciding with the establishment of ICRIR, the Centre has launched its own ‘Impunity Project', through which families of victims of Troubles killings seek to challenge false allegations against dead relatives. In some cases – as with Bloody Sunday – the Army falsely accused the dead of being bombers or otherwise paramilitaries to ‘justify' their killings.Families are now seeking two types of justice – to know the truth behind killings and to correct false allegations against dead relatives.The other interview in the latest podcast is with Peter Sheridan, a former senior officer with the RUC and PSNI who is now Commissioner for Investigations at ICRIR. He operates under the overall leadership of former Lord Chief Justice of Northern Ireland, Sir Declan Morgan, who is the Chief Commissioner.Peter says that ICRIR hopes to be fully operational in the middle of this year and explains how it will proceed and how relatives of those who died, and also those seriously injured, will be able to raise cases with ICRIR. He argues strongly that his police background will not undermine his credibility as lead investigator.With such a wide array of opponents and critics of the Legacy Act – ranging from the five largest Northern Ireland parties, to the Northern Ireland Human Rights Chief Commissioner, to the departing Victims Commissioner, to victims groups and to international human rights groups – it seems implausible that ICRIR will have an easy birth.The podcast can be listened to at the Holywell Trust website along with previous episodes. Disclaimer: This project has received support from the Northern Ireland Community Relations Council which aims to promote a pluralist society characterised by equity, respect for diversity, and recognition of interdependence. The views expressed do not necessarily reflect those of the Community Relations Council. 

Arbitrator, Mediator and Advocate Joseph Matthews joins Turlough O'Donnell SC for an insightful discussion on their experiences of mediation and negotiation throughout their respective careers. This seminar, entitled "Negotiation, Conflict Resolution & Mediation with some reference to the Northern Ireland Troubles (Legacy and Reconciliation) Act 2023" was recently hosted by The Bar of Ireland. Intro Music: Positive Fuse - French Fuse The views expressed in this podcast are the contributor's own and do not necessarily reflect the views of The Bar of Ireland.

We certainly cover a lot of ground in this week's episode.Kicking off ( pun definitely intended) with the retreat by Richard Turfitt on the draconian proposed restrictions on travelling Scottish football fans. The consultation document resulted in almost unanimous consensus in opposition right across the political spectrum.The decision by the Lord Advocate Dorothy Bain that it would “not be in the public interest to prosecute drug users” possessing drugs within a consumption room were one to be created." has also sparked surprising agreement among political parties with even the Scottish Tories supporting the ruling and the establishment of a pilot scheme in Glasgow. However Suella Braverman and the UK government seem set against the idea. Will this lead to a Scottish Tory rebellion?The Conservatives staved off a backbench revolt,led by Alok Sharma, on maintaining the ban on on-shore wind farm developments. However the latest auction of offshore licences proved a predictable disaster.One of several facing an increasingly chaotic UK government sailing in the face of expert and public opinion.This followed on from the report by the Commons International Development Committee on the unintended consequences of the Illegal Migration Act,which we explore.There has also been vehement and complete opposition to the Northern Ireland Troubles Legacy and Reconciliation Act from all Northern Ireland's political parties, the Irish government, victims' families and civic groups. Is the act a cover up for the so called "Dirty War"?Meanwhile there's trouble at t'mill or at least the TUC Congress 2023 with Unite leading the campaign for Labour not to roll back on workers rights and public ownership. The level of trust in an incoming Labour government might be judged by the motion passed calling for employment law to be devolved to Scotland.However, it does appear from all that's coming out of Labour HQ that all this has fallen on Blairite deaf ears.If you're interested in the "Break Up of Britain" conference memtioned by Lesley you can find out more and book tickets herehttps://thebreakupofbritain.net/https://www.tickettailor.com/events/thebreakupofbritain/936799All this plus reports back on Lesley's Thrive tour, house sitting adventures, and Pat's technical demands. ★ Support this podcast ★

Victims of apartheid have been sleeping outside the Constitutional Court for a month now demanding reparations for human rights violations under apartheid. According to Dr Marjorie Jobson the victims outside court are part of a group of people who never got an opportunity to submit their statements to the TRC but qualify to receive the grant from the Presidents Fund. The fund was established in terms of the Promotion of National Unity and Reconciliation Act of 1995 and  is administered by the Truth and Reconciliation Commission (TRC) unit within the department of justice and constitutional development. Sakina Kamwendo spoke to Dr Marjorie Jobson,  National Director at Khulumani Support Group.

Kevin Annett joins us to chat about the Residential School genocide, and Republic of Kanata. We chat about the reams of documents going back over 100 years, the sterilization act, the main problem with the Truth and Reconciliation Act, the Vatican, finding bones at the Mush Hole dig, destroying graves and death docs, and how political correctness fits into the problem.   We also chat about the overall scope of the residential school problem, massacre's happening again, the difference between the USA and Canada, the Queen taking kids, Mounties and missing women, google and big Pharma, and sled doc massacre's. What is the difference between the Band Council and the Tribes.   In the second half we get into intentional development like golf courses to cover up burial site's, the art of war, how we can fight back, common law training workshops, covid police state, the Indian Act, mandatory vaccinations, organizing in your own community, people's republic, and not having to pay taxes for countries convicted of genocide.   http://murderbydecree.com/   https://republicofkanata.ca/   Thank you for your support.  To gain access to the second half of show and our Plus feed please clink the link http://www.grimericaoutlawed.ca/support. Help support the show because without your help we can't continue to address these controversial topics. If you value this content with 0 ads, 0 sponsorships, 0 breaks, 0 portals and links to corporate websites, please assist. Many hours of unlimited content for free. Thanks for listening!!   See links to some of the other work that we talked about during the show:   http://whale.to/b/turner_h.html http://www.rayfowler.org/ https://www.phenomenamagazine.co.uk/  Steve Mera  http://beyondufos.com/ www.barrytaff.net https://www.reincarnationresearch.com/childrens-past-life-memories-and-the-research-of-ian-stevenson-md/   Support the show directly: https://www.patreon.com/grimericaoutlawed   Get your Magic Mushrooms delivered from: Mushroom Spores, Spore Syringes, Best Spore Syringes,Grow Mushroom Spores Lab   Our audio book page: www.adultbrain.ca Darren's book www.acanadianshame.ca   Other affiliated shows: https://www.13questionspodcast.com/ Our New Podcast - 13 Questions www.grimerica.ca The OG Grimerica Show www.Rokfin.com/Grimerica Our channel on free speech Rokfin   Join the chat / hangout with a bunch of fellow Grimerican's  www.grimerica.ca/chats   1-403-702-6083 Call and leave a voice mail or send us a text   GrimericaFM https://s2.radio.co/s053ed3122/listen Check out our next trip/conference/meetup - Contact at the Cabin www.contactatthecabin.com   Leave a review on iTunes and/or Stitcher: https://itunes.apple.com/ca/podcast/grimerica-outlawed http://www.stitcher.com/podcast/grimerica-outlawed   Sign up for our newsletter http://www.grimerica.ca/news   SPAM Graham = and send him your synchronicities, feedback, strange experiences and psychedelic trip reports!! graham@grimerica.com InstaGRAM https://www.instagram.com/the_grimerica_show_podcast/    Tweet Darren https://twitter.com/Grimerica   Connect through other platforms: https://www.reddit.com/r/grimerica/  https://gab.ai/Grimerica    Purchase swag, with partial proceeds donated to the show www.grimerica.ca/swag Send us a postcard or letter http://www.grimerica.ca/contact/ ART Napolean Duheme's site http://www.lostbreadcomic.com/  MUSIC Tru North Felix's Site sirfelix.bandcamp.com  

What role do the arts play in the Truth and Reconciliation Commission on Indian Residential Schools? I sat down with Dylan Robinson and Keavy Martin, the editors of the "Arts of Engagement" book to talk about the motivation behind the book, the intensity of the TRC events and the role arts play today in political action and healing. Music: http://www.purple-planet.com Shop handcrafted metal prints from Displate: https://bit.ly/2IC0TxU

  Right before Christmas, the government was temporarily funded for the fourth time this fiscal year, but this latest funding law came with a few surprises. In this episode, a feisty Jen outlines the law to expose a favor to the war industry, damage to the Affordable Care Act, a bad sign for the Children’s Health Insurance Program, a giant loophole that paved the way for a new mountain of government debt, and more. You’ll also learn about an “uncontroversial” bill that reduces accountability for foreign fighters who abuse women and that showers literal gifts upon a secretive Drug War commission. But it’s not all bad news! There’s also a reason for hope. Recommended Congressional Dish Episodes CD161: Veterans Choice Program Please Support Congressional Dish Click here to contribute using credit card, debit card, PayPal, or Bitcoin Click here to support Congressional Dish for each episode via Patreon Mail Contributions to: 5753 Hwy 85 North #4576 Crestview, FL 32536 Thank you for supporting truly independent media! Register for Podfest: Pay It Forward Bills H.R. 1370: Continuing Appropriations Act, Department of Defense Missile Defeat and Defense Enhancements Appropriations Act, CHIP and Public Health Funding Extension Act, 2018 Division A Section 1001: Extends 2017 funding levels until January 19, 2018 Section 1002: Delays the repeal of FISA warrantless spying authorities until January 19, 2018. Division B Title I: Missile Defeat and Defense Enhancements Appropriates over $3.8 billion for emergency ballistic missile equipment and research. Title II: Missile Construction Enhancements Appropriates $200 million, available until September 30, 2022 to construct an emergency missile field in Alaska Title III: General Provisions Section 2001: Clarifies that the money in this law for the Department of Defense will be in addition to the money it will be appropriated for 2018. Section 2002: For the extra money given to the military in this law, this section creates an exception to the rule that says that no new projects can be started with it. Section 2003: Clarifies that this money is being appropriated as an emergency requirement. Division C: Health Provisions Title I:: Public Health Extenders Section 3101: Appropriates $550 million for community health centers and $65 million for the National Health Service Corps for the first half of 2018 Section 3102: Appropriates $37.5 million for a program for type I diabetes for the first half of 2018 Section 3103:: Cuts [the authorization for the Prevention and Public Health Fund](http://uscode.house.gov/view.xhtml?req=(title:42%20section:300u-11%20edition:prelim) - 2019: Authorization decreases from $900 million to $800 million (was originally supposed to be $2 billion annually) - 2020 & 2021: Authorization decreases from $1 billion to $800 million - 2022: Authorization decreases from $1.5 billion to $1.25 billion. Title II: Children's Health Insurance Program (CHIP) Section 3201: Appropriates $2.85 billion for the Children's Health Insurance Program through March 31, 2018, which is a cut from previous appropriations. Division D: VA Choice Section 4001: Appropriates an additional $2.1 billion for the Veteran's Choice Program. Division E: Budgetary Effects Section 5001: The budgetary effects of the money for CHIP and VA Choice on the PAYGO scorecard will not be counted. Section 5002: The effects of the tax bill (the "Reconciliation Act" authorized by H. Con. Res. 71) will not be considered in the PAYGO budget. S.371: Department of State Authorities Act, Fiscal Year 2017, Improvements Act   Section 2: Orders a bunch of foreign policy related reports to be given to the Appropriations Committees in the House and the Senate. Section 3: Changes the original law signed in December 2016 to remove the requirement for "swift and effective disciplinary action against" police or troops of UN countries who sexually exploit or abuse people during their peacekeeping missions. In it's place, the requirement will be that the countries will have to "appropriately hold accountable" their personnel, which is left undefined. Section 10: Allows members of the Western Hemisphere Drug Policy Commission to "solicit, accept, use, and dispose of gifts, bequests, or devises of money, services, or property, both real and personal, for the purpose of carrying out any duty, power, or authority of the Commission." Additional Reading Article: Retirements of veteran Republicans fuel GOP fears of losing House majority by Mike DeBonis, The Washington Post, January 10, 2018. Article: Drug policy: Our unfinished business in the Americas by Reps. Eliot L. Engel and Matt Salmon, Huffington Post Report: Congress rushes Pentagon $4b for missile defense improvements by Marcus Weisgerber, Defense One, December 22, 2017. Report: House, Senate pass CR with emergency funding for missile defense, Navy ship repair by Justin Doubleday, Inside Defense, December 21, 2017. Article: Collision-damaged USS McCain arrives at Yokosuka for repairs by Leon Cook, Stars and Stripes, December 13, 2017. Article: USS Fitzgerald departs Yokosuka for Mississippi from U.S. 7th Fleet Public Affairs, America's Navy, December 8, 2017. Article: Could the U.S. actually shoot down a North Korean missile? by Larlsa Epatko, PBS, November 28, 2017. Article: Trump administration proposes $2.1 billion expansion of Fort Greely missile-defense base by Tim Ellis, AlaskaPublic.org, November 14, 2017. Press Release: AK delegation applauds major missile defense increase in Trump administration's budget request by Matt Shuckerow, DonYoung.house.gov, November 6, 2017. Report: Counternarcotics: Overview of U.S. efforts in the western hemisphere, U.S. Governtment Accountability Office, October 13, 2017. Article: Fort Greely stands firm in face of North Korean threat by Sean Kimmons, Department of Defense, October 11, 2017. Article: Doomsday Deflector: What is the THAAD missile system, where is the US program deployed and how does it work? by Patrick Knox, The Sun, September 4, 2017. News Report: Hudson Institute congratulates John Walters on congressional appointment to Western Hemisphere Drug Policy Commission by Hudson Institute, PR Newswire, June 29, 2017. Article: There's a flaw in the homeland missile defense system. The Pentagon sees no need to fix it by David Willman, The LA Times, February 26, 2017. Press Release: Engel measure to reassess drug policy headed to president's desk, Committee on Foreign Affairs, December 10, 2016. Article: The US government is literally arming the world, and nobody's even talking about it by William D. Hartung, Mother Jones, July 30, 2016. Article: U.S. missile defense system is 'simply unable to protect public,' report says by David Willman, The LA Times, July 14, 2016. Article: A test of America's homeland missile defense system found a problem. Why did the Pentagon call it a success? by David William, The LA Times, July 6, 2017. Report: Standard Missile-3 by Zach Berger, Missile Defense Advocacy, June 2017. Article: 'Double down' in fight against opioid abuse by Mary Bono, USA Today, March 6, 2017. Report: Assessment of DOD's reports on status of efforts and options for improving homeland missile defense, U.S. Government Accountability Office, February 17, 2016. Article: Bring back the war on drugs by William Bennett and John P. Walters, Boston Globe, September 9, 2015 Report: Fort Greely to get $50 million toward missile defense system by The Associated Press, Army Times, December 16, 2014. Article: Does missile defense actually work? by Roger A. Mola, Airspacemag.com, April 9, 2013. Resources Budget of the U.S. Government: Fiscal Year 2018 Department of Defense: Budget Amendment Fiscal Year 2018 Department of Defense: FY 2018 Budget Amendment Department of Defense: Military Installations Overview Fort Greely, Alaska Department of the Navy: FY 2018 Emergency Contingency Operations Amendments OpenSecrets.org: Boeing Co. Client Profile 2017 OpenSecrets.org: Faegre Baker Daniels Consulting Profile 2017 OpenSecrets.org: Raytheon Co. Client Profile 2017 Twitter Post @JordanUhl: Members of Congress Not Seeking Reelection Visual References Boeing Co Stock Summary Sound Clip Sources Hearing: U.S. Defense Strategy in South Asia; House Committee on Armed Services; October 3, 2017 C-Span Video Witnesses: - Joseph F. Dunford Jr. - James N. Mattis 57:25 James Mattis: I think the most important thing is that we get budget predictability and certainty, because without that, we cannot take the—adjust our forces and get predictability into our budgets that permits us to gain the best bang for the buck, to put it bluntly. We’re going into the ninth year with a continuing resolution. As you know, I cannot make new starts under that, even if the cyber domain or the space domain require that we do new things we’ve not had to do before to maintain our competitive edge. Cover Art Design by Only Child Imaginations Music Presented in This Episode Intro & Exit: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio)

Welfare reform was not just one of the most important legislative achievements of its era, it continues to serve as the starting point for discussions of poverty and inequality today. The conference will look back at the goals of welfare reform and whether or not it has achieved them, as well as looking forward to next steps. We hope to answer such questions as the following: Did welfare reform achieve its goal of moving people from welfare to work? Did welfare reform improve economic self-sufficiency and mobility? How did welfare reform impact family structure, health, and child achievement? Did reformed welfare still provide an adequate safety net during the economic turbulence of the last decade? Is welfare reform still relevant today? How can we build on welfare reform to reduce poverty and increase opportunity? What should a safety net look like in the future? See acast.com/privacy for privacy and opt-out information.

For this episode, I read the entire Patient Protection and Affordable Care Act. The following is a resource for finding information within the Patient Protection and Affordable Care Act. My goal was to highlight the portions of the bill that will most directly affect our lives and put them into plain, understandable English. I'd also like for you to be able to find the text that makes these rules within the bill. The easiest way to search within a bill is by section number. You'll have to read a bit to find exactly what you're looking for, but this outline will tell you which section you can find the different provisions in. Anything "in quotes" is exact text from the bill. There are two versions of the Patient Protection and Affordable Care Act (Public Law 111-148) you can read. This version is 906 pages. This version is 2,409 pages (the margins and the font are bigger). If you are going to attempt to read the Patient Protection and Affordable Care Act, you must know that Title X amends the first nine titles and The Reconciliation Act amended the whole bill. This means that the law is often not what the text says. Here is a section by section summary of the changes made by Title 10 and the Reconciliation Act. This document was provided to the United States Senate for clarification. TITLE I: "QUALITY, AFFORDABLE HEALTH CARE FOR ALL AMERICANS Subtitle A: "Immediate Improvements in Health Care Coverage for All Americans" Section 1001: Rules on health insurance minimums that became effective immediately Insurance company can't drop you when you get sick, unless you committed fraud Health insurance plans have to provide - at no extra charge: All of the preventatives services on this list Immunizations Preventative care screenings for kids Kids can stay on their parent's insurance plans until their 26th birthday Insurance companies must cover at least 60% of medical payments The health insurance companies need to provide customers with a summary of benefits, which can only be 4 pages long with a minimum of 12-pt font and must include limitations, co-payments, deductibles, and percentage of medical costs covered by the insurance company. If they fail to provide the summary, the health insurer has to pay $1,000 for each customer who didn't receive it Employers are not allowed to only offer coverage to their high-paid employees Section 1001 as changed by amendment (See Section 10101): No lifetime limits or "unreasonable annual limits" on the value of benefits for any customer They can place limits on things that are not essential health benefits Gun ownership health dangers must be ignored: Prevention programs can not collect information related to the presence of guns or ammunition in someone's home Premium rates can not be affected by the presence of a gun in someone's home Medical Loss Ratio Health insurance companies covering large groups must spend 85% of your premiums on you, or they have to issue a rebate check. Health insurance companies covering people in the individual market or small groups through exchanges have to spend 80% of your premiums on you or issue a rebate check. Hospitals must publish a list of standard charges for their services. Health insurance companies have to let you go to any primary care doctor that you choose and who can accept you The insurance company must have an appeals process for customers and must continue coverage while claims are in appeals If you get treatment in an out-of-network emergency room, your health insurance has to pay for those services. Health insurance companies can't require prior approval for emergency services. Health insurance companies can not require advance approval to go to get gynecological services. Section 1003: Premium Increase Reviews The Federal government and the States will review annual premium increases. States can recommend that a health insurance company be excluded from the exchange for unjustified premium increases. Subtitle B: "Immediate Actions to Preserve and Expand Coverage" Section 1101: Creates the "high risk health insurance pool program" to cover people with pre-existing conditions until January 1, 2014 Could only be run by non-profit private insurers or States Insurer had to cover at least 65% of customer's medical costs Could vary premiums based on age no more than a 4:1 ratio Only open to United States citizens or lawful residents who had no health insurance for the 6 months prior to enrollment Provided $5 billion (this money ran out & the government stopped accepting new applicants on February 15, 2013 - the House Republicans would have added money only if the Public Health fund were defunded, as explained in episode CD026) High risk pool ends on January 1, 2014 and customers will then buy their insurance on the exchanges, when health insurers will not be allowed to deny them coverage anymore Section 1102: Reimbursement for employers who give health coverage to "early retirees" Employers who provide health insurance to people over 55 years old but under 65 (when Medicare kicks in) will be reimbursed for a portion of that expense. Payments will be 80% of the amount over $15,000 up to $90,000. Payments must be used for health care expenses & can not be used as general revenue or count as income. Provided $5 billion for this program Program ends on January 1, 2014, when everyone can buy insurance on the exchanges Section 1104: Orders the Secretary of Health & Human Services to develop "uniform standards" for health information electronic data entry The rules will be for communication between hospitals/doctors and the health insurance companies. Allows for the creation of "machine readable identification cards" Penalty fee will be assessed beginning on April 1, 2014 for health insurance companies that don't comply Fee is $1 per customer covered until they've completed the electronic information requirements. The fee is imposed for each day the plan is not in compliance. The fee is increased annually and capped at $20 per customer or $40 per customer if the insurance company purposely provides false or incomplete information. Penalty fees are paid to the Treasury Department and are due November 1 of each year starting in 2014. Subtitle C: "Quality Health Insurance Coverage for All Americans" Section 1201: Health Insurance Market Reforms Health insurance companies can not exclude someone for having a pre-existing condition This law became effective for children starting six months after the Affordable Care Act was signed Premium rates are allowed to vary based on the following factors only: The number of people covered by the plan (individual or family) Location Age, but the rate can not vary more than a 3:1 ratio for adults Tobacco use, but the rate can not vary more than a 1.5:1 ratio Health insurance companies must accept every employer or individual customer who applies for coverage during their open enrollment periods. Health insurance companies can not deny a customer coverage due to health status, mental or physical illnesses, history of claims, medical history, genetic information, domestic violence history, disability, or any other health-related factor. Health insurance companies also have to renew your insurance policy Health insurance companies can offer rebates or premium discounts as a reward to customers' participation in wellness programs including: Reimbursement for fitness center memberships A disease testing program that does not base the reward on outcomes Waiving co-payments or deductibles for preventative care visits (prenatal care & well-baby visits) Reimbursement for programs that help people quit smoking, regardless of whether or not they can actually quit A reward for attending health education seminars Waiting periods can not be longer than 90 days This does not apply to the individual market  (added by Section 10103) Section 1201 as changed by amendment (See Section 10103) Health insurance companies can't deny coverage for approved clinical trials for treatment of cancer or another life-threatening disease. Section 1251: Grandfathered health care plans Nothing in the Affordable Care Act forces an individual to cancel the coverage they currently have. Grandfathered plans are exempt from the provisions of Subtitle A and Subtitle C, except for the provisions specifically listed below. New employees and their families can be enrolled in health plans that existed before the Affordable Care Act was enacted. Section 1251 as changed by amendment (See Section 10103) Grandfathered plans must provide the easily understood summary of benefits from Section 1001 to their customers. Grandfathered plans must issue rebate checks under the Medical Loss Ratio just like new plans Health insurance companies covering large groups must spend 85% of your premiums on you, or they have to issue a rebate check. Health insurance companies covering people in the individual market or small groups through exchanges have to spend 80% of your premiums on you or issue a rebate check. Section 1251 as changed by the Reconciliation Act (See Public Law 111-152) Grandfathered plans are prohibited from enforcing waiting periods over 30 days. Grandfathered plans are prohibited from enforcing lifetime or annual limits to coverage (group plans only). Grandfathered plans can not drop you when you get sick. Grandfathered plans will also have to cover children until their 26th birthday. Grandfathered plans can not refuse an employee with pre-existing conditions. Subtitle D: "Available Coverage Choices for All Americans" Section 1302: Essential Health Benefits Requirements Essential health benefits to be included in all "qualified health plans": Ambulances Emergency room services Hospitalizations Maternity and newborn care Mental health Substance abuse treatment Behavioral health treatment Prescription drugs Rehabilitation services and devices Laboratory services Preventative care Chronic disease management Pediatric care, including dental and vision Health insurance companies are allowed to cover more than these minimums Coverage for emergency services  can not require prior authorization Health insurance companies can't limit coverage because the ambulance took you to an out-of-network emergency room Out of pocket expense caps In 2014, an individual can not be charged more than $5,000/year for out-of-pocket expenses (not including premiums); after that, it can be increased by the same percentage as premium increases. Deductibles for employer-paid plans are capped at $2,000/year for individuals or $4,000/year for family plans. After 2014, these numbers can be increased by the same percentage as premium increases. Out-of-pocket caps do not include amounts for non-network providers or non-covered services Levels of Coverage Bronze: Covers 60% of medical costs Silver: Covers 70% of medical costs Gold: Covers 80% of medical costs Platinum: Covers 90% of medical costs Catastrophic Coverage available only on the individual market Plan provides no benefits until the person has spent the $5,000/year out-of-pocket limit (or whatever the limit is for that year, adjusted for inflation) Available only to people under 30 years old Available only if a monthly premium would exceed 8% of that person's income Section 1303 as changed by amendment (See Section 10104): Abortion Rules States can prohibit abortions from being offered by health insurance plans offered through the exchange. States must pass a law to do this. Health insurance plans do not need to include abortions. No Federal funds can be used to pay for abortions. No hospital or doctor's office can be discriminated against by insurance companies for not providing abortions. Section 1311: Health Insurance Exchanges States will be given Federal grants to set up their own health insurance exchanges, which are websites where people will compare and purchase their insurance plans. Grants will stop being awarded on January 1, 2015. Exchanges will include an "enrollee" satisfaction system for plans covering more than 500 people. Secretary must determine yearly open enrollment periods Stand-alone dental plans will be allowed on the exchanges. States are allowed to require more benefits than the Federal government requires, but must make up cost to individuals for extra costs if they're eligible for a tax credit. By 2015, exchanges must be self-sustaining and can charge user fees. Exchanges have to publish all payments required by the Exchange & the administrative costs. Interstate and regional exchanges are allowed. Creates "navigator" positions They will inform the public on the health plans, help people enroll, and help people understand their tax credits. Navigators are not allowed be employees of the health insurance industry Section 1311 as changed by amendments (See Section 10104) Health insurance companies need to publicly disclose - in plain language - information on claims payment policies, enrollment, denials, out-of-network charges, and customer rights. Section 1312: Health Insurance Eligibility & Members of Congress All customers in with a company's individual plan will be considered part of a one risk pool. All customers enrolled as employees of small businesses will be considered part of one risk pool. The individual and small business pools may be merged if the State determines it appropriate. Starting in 2017, States can permit large employers (over 101 employees) to offer insurance through the Exchange. Health insurance companies can offer insurance outside of the Exchanges. Only United States citizens and lawfully present foreigners will be allowed to purchase health insurance on the Exchange. Prisoners will not be eligible to buy insurance on Exchanges while they're still incarcerated The Federal Government can only offer health plans to members of Congress that are offered through an Exchange. Section 1312 as changed by amendment (See Section 10104) Agents and brokers are allowed to enroll employers and individuals in health insurance plans and help them apply for tax credits and out-of-pocket reductions. Section 1321: States Must Create Exchanges or Federal Government Will Do It For Them Department of Health and Human Services will provide an exchange for a State if the State will not have it's own operational by January 1, 2014. Section 1322: Grants for Creation of Non-Profit, Member-Run Health Insurance Companies The goal is to have at least one non-profit, member-run health insurance company in each State offer insurance on the individual and small business exchanges. If a State doesn't have a non-profit, member-run option, they will be loaned money to create one or to have one from elsewhere expand into their State. The loan must be repaid within 15 years (added by Section 10104) The non-profit, member-run health insurance companies are not allowed to use Federal funds for marketing. A health insurance company will not count as a non-profit, member-run insurance company unless "any profits made by the organization are required to be used to lower premiums, to improve benefits, or for other programs intended to improve the quality of health care delivered to its members." Non-profit, member-run health insurance companies will be tax exempt. Section 1323: Optional State Public Option (Killed by amendment: See Section 10104) States are allowed to offer a public option, labeled "community health insurance", but they are not required to. Section 1331: States Can Buy Insurance for Low-Income People Who Don't Qualify for Medicaid or Medicare To qualify for this program, if offered by your State: Must be a resident of the offering State Must be under 65 years old Your income needs to be between 133%-200% of the poverty level Section 1332: Waiver for States That Develop A Better System States that develop a system that covers as much and costs the same or less than the Federal system can apply for a waiver. If granted, they can enact their own system. The new system could begin on January 1, 2017. Section 1333: Allows Health Insurance Plans to Be Sold To Multiple States Health insurance companies would have to be licensed in all the States where its plans are sold. Health insurance companies would have to "clearly notify consumers that the policy may not be subject to all the laws and regulations of the State in which the purchaser resides." Plans sold in multiple states - "health care choice compacts"- can begin on January 1, 2016. Section 1334 as added by amendment (See Section 10104): National Health Insurance Plans The Director of the Office of Personnel Management will contract with at least two insurance companies to offer insurance to the individual and small group markets in every state. At least one of these companies must be non-profit. Plans need to be licensed in each State where they offer coverage. States can require health insurance companies to offer additional benefits but must pay the additional cost. The multi-state insurance plans will be nationwide within four years. Section 1341: Insurance Companies Will Have Insurance for "High-Risk" Customers for First 3 Years Subtitle E: "Affordable Coverage Choices for All Americans" Section 1401 as amended by Section 1001 of the Reconciliation Act: Tax Credits Taxpayers Making Between 100% - 400% of the Poverty Level Get Tax Credits To Pay for Premiums The tax credit is for the amount the health insurance plan exceeds a percentage of a person's income, based on the poverty level. The premium used for calculation is the second-lowest silver plan in the individual market where the taxpayer lives. Section 1402: Out-of-Pocket Limits Reduced Only applies to people who have purchased Silver Level coverage on an Exchange The standard out-of-pocket limits ($5,950 for individuals and $11,900 for families) would be reduced for people making under 400% of the poverty level. Reduction Levels: People making 100%-200% of the poverty level will have their limit reduced by 2/3. People making 201%-300% of the poverty level will have their limit reduced by 1/2. People making 301%-400% of the poverty level will have their limit reduced by 1/3. No health insurance company will ever pay more than 94% of medical costs (increased by Section 1001 of the Reconciliation Act). The Federal Government will pay the health insurance companies for the amount they reduce out-of-pocket limits Illegal immigrants are not eligible. *Tax Credit / Premium Calculator Section 1411: How Government Will Determine Eligibility & Grant Individual Exemptions People or employers who disregard regulations and provide false information are subject to a $25,000 fine. People or employers who purposefully provide false information are subject to a $250,000 fine. No property can be taken away if the person or company doesn't pay the penalty. Section 1412: Advance Payment of Tax Credits and Out-of-Pocket Reductions Premium tax credits can be claimed in advance to help pay for premiums. Section 1415: Premium Tax Credits Don't Count As Income Section 1421 as changed by amendment (See Section 10105): Small Business Tax Credit Eligible employers must: Have fewer than 25 employees and Pay average annual wages of less than $50,000/year. Pay at least 50% of total premiums. Eligible employers who purchase coverage through the State exchange can get a tax credit of up to 50% of their health insurance costs. Tax-exempt eligible employers can get a tax credit of up to 35% of their health insurance costs. Subtitle F: "Shared Responsibility for Health Care" Section 1501 as changed by amendment (See Section 10106): The Individual Mandate Individuals must ensure that they and their dependents have health coverage every month starting in 2014. If individuals fail to get themselves and their dependents covered, they will pay a penalty for each month they and their dependents were uncovered. (see Section 1002 of the Reconciliation Act) The penalty in 2014 will be $95 or 1% of income, whichever is higher The penalty in 2015 will be $325 or 2% of income, whichever is higher The penalty in 2016 and after will be $695 or 2.5% of income, whichever is higher. Penalties are capped at the cost of the national average for a bronze plan premium. Exemptions are allowed: For people in an exempt religious sect For members of a health care sharing ministry For Native Americans For people below 100% of the poverty level who can't afford available health insurance options People who have a coverage gap of less than three months (if the gap goes longer than three months, they get no exemption for any of that time) People who have proven to the Department of Health and Human Services that they have an extraordinary hardship. You can not be criminally prosecuted, thrown in jail, or have your property taken away if you fail to pay the penalty. Section 1502: Health Insurance Companies Will Report Your Coverage Status to the Government Every year, the Treasury Department will send notices to people who didn't get coverage telling them what is available to them on their State's exchange. Section 1503: Automatic Enrollment for Workers with Large Employers Companies with over 200 employees will automatically enroll their new full-time employees in one of the health plans they offer. Employees are allowed to opt out of their employer provided coverage. Section 1512: Workers Must Be Informed of Better Options If a company's health insurance plan doesn't cover at least 60% of medical expenses, the worker might be eligible for premium tax credits and out-of-pocket limit reductions. Companies need to inform their workers about the exchanges and provide a description of the exchange's services. Section 1513 as amended by Section 1003 the Reconciliation Act: Employers With Over 50 Employees Starting January 1, 2014, they must offer their employees health insurance. If one or more of their employees received tax credits or an out-of-pocket limit reduction on the exchange, the employer will be fined $2,000 per full-time employee. They will not have to pay the penalty for the first 30 full-time employees. If the employer offers health insurance but the employee claims tax credits and/or out-of-pocket limit reductions on the exchange, the employer will be charged either $3,000 per employee receiving tax credits or $2,000 per full-time employee minus the first 30 employees, whichever is less. Employers can not have waiting periods for health coverage of over 60 days. (Eliminated by the Reconciliation Act) Fines are not tax deductible. Seasonal workers - that work less than 120 days per year -do not count as full-time employees. Section 1514: Large Employers Must Report Your Coverage Status to Government Section 1553: No One Can Discriminate Against Anyone Else For Not Providing Doctor Assisted Suicide Section 1558: Protection For Employees Employers may not fire or discriminate against any worker who reports, testifies, or helps the government prosecute an employer that has violated the Affordable Care Act. Section 1560: Hawaii Can Keep Its Health Care System Section 1563: CBO Estimates The Affordable Care Act Will Reduce Budget Deficits TITLE II: "ROLE OF PUBLIC PROGRAMS" Subtitle A: Improved Access to Medicaid Section 2001 as amended by Section 10201: Medicaid for Poor People Starting in 2014, anyone making under 133% of the Federal Poverty Level will be eligible for Medicaid's health benefits. Medicaid's health benefits will include the essential benefits required of all health insurance plans on exchanges, prescription drugs, and mental health services. The Federal Government will pay States for the new Medicaid expenses at the following rates (changed by Section 1201 of the Reconciliation Act): 100% for 2014-2016 95% for 2017 93% for 2019 90% for ever *The June 28, 2012 Supreme Court ruling effectively made the Medicaid expansion optional for the States. The result is that unfortunate souls making under 133% of the Federal Poverty Level and living in States that have turned down the Federal Government money will not have health care coverage. Via: The Advisory Board Company Section 2004 as amended by Section 10201: Medicaid for Foster Children Beginning in 2014, States must cover former foster children in their Medicaid programs Subtitle B: "Enhanced Support For the Children's Health Insurance Program" Section 2101: Federal Financing of Children's Health Insurance Program (CHIP) Federal Government will increase its contribution to States' CHIP programs by 23%, funding up to 100%. Subtitle C: "Medicaid and CHIP Enrollment Simplification" Section 2201: Electronic Enrollment By January 1, 2014, States must create websites that allow individuals to apply and enroll in Medicaid and CHIP States that fail to create the website will lose their Federal Medicaid money. Section 2202: Hospital Enrollment in Medicaid Allows hospitals to determine whether a person qualifies for Medicaid based on preliminary information in order to provide them with medical assistance. Subtitle D: "Improvements to Medicaid Services" Section 2301: Free-Standing Birth Centers Requires Medicaid cover services from free-standing birth centers. Section 2303: Family Planning Services States can, but don't have to, provide family planning services as part of Medicaid. Subtitle E: "New Options for States to Provide Long-Term Services and Supports" Section 2401: At Home Services Option Allows States to cover at home services - the kind that would usually be offered in an institution - to people under 150% of the poverty level. Subtitle F: "Medicaid Prescription Drug Coverage" Section 2501: Prescription Drug Rebates Increases rebates for prescription drugs up to 100% of the cost of the drug. Section 2502: Additional Drugs Covered Drugs to help quit smoking, barbiturates, and benzodiazepines will be covered by Medicaid starting on January 1, 2014. Subtitle G: "Medicaid Disproportionate Share Hospital (DSH) Payments" Section 2551: Payment Reductions Reduces Federal payments to certain hospitals. Subtitle H: "Improved Coordination for Dual Eligible Beneficiaries" Section 2602: Medicaid and Medicare Coordination Creates a Federal Coordinated Health Care Office to coordinate the benefits of individuals who qualify for both Medicaid and Medicare. Subtitle I: "Improving the Quality of Medicaid for Patients and Providers" Section 2703: Care for Medicaid Patients with Chronic Conditions Gives States the option to create teams of health professionals to manage care for Medicaid patients with chronic conditions. Chronic conditions include: Mental health disorders Substance abuse issues Asthma Diabetes Heart Disease Obesity Subtitle K: "Protections for American Indians and Alaska Natives" Section 2901: No Out-of-Pocket Costs for Certain Indians Indians at or below 300% of the Federal Poverty Level will not have to pay out-of-pocket costs for insurance they get through a state exchange TITLE III: IMPROVING THE QUALITY AND EFFICIENCY OF HEALTH CARE Subtitle A: "Transforming the Health Care Delivery System" Section 3001: Links Hospital Payments to Performance Starting in 2013, a percentage of hospital payments will be tied to performance in treating common high-cost conditions (cardiac issues, surgeries, pneumonia, etc.) Section 3007: New System for Physician Payments Secretary of Health and Human Services must create a new budget-neutral payment system that will adjust Medicare payments to physicians based on the quality of care they deliver. New system will be phased in over two years beginning in 2015. Section 3008: Penalties for Poor Performance Hospitals in the top 25th percentile for rates of diseases caught inside the hospital will have a payment penalty through Medicare. Section 3011: National Strategy Secretary of Health and Human Services has to establish our national strategy to improve health care delivery and overall population health. Section 3025: Readmissions Reduction Ties Medicare payments to hospitals with the hospitals percentage of potentially preventable readmissions to the hospital. The Secretary of Health and Human Services will make readmission rates for certain conditions at every hospital available to the public. Subtitle B: "Improving Medicare for Patients and Providers" Section 3112: Eliminates "Medicare Improvement Fund" Saves over $22 billion Rest of Subtitle creates new systems and changes the way Medicare charges paid for by the government. Subtitle C: "Provisions Related to Part C" Section 3201: Limited Medicare Advantage Payments (Killed by Section 1102 of the Reconciliation Act) Section 3202: Prevents Private Medicare Advantage Plans from Overcharging Prohibits private Medicare Advantage plans from charging more for basic Medicare services than actual Medicare charges. Medicare Advantage plans that offer extra benefits must prioritize reductions in out-of-pocket expenses and preventative care over their extra goodies. Section 3204: Seniors Can Return to Actual Medicare Seniors will be allowed to unenroll in their Medicare Advantage plans and return to real Medicare from January 1-March 15 of every year. Section 3209: Medicare Advantage Plan Denial Allowed Secretary of Health and Human Services now has the authority to prohibit Medicare Advantage plans that significantly increase cost to customers or decrease benefits offered to seniors. Subtitle D: "Medicare Part D Improvements for Prescription Drug Plans and MA-PD Plans" Section 3301: Donut Hole Discount Program Medicare Part D private insurance plans pay 75% of drug costs up until $2,970 is spent and then start paying 95% once the senior has spent $4,750. Between $2,960 and $4,750, the insurance company pays nothing. This window is known as the "coverage gap" or "donut hole". This section requires drug manufacturers provide a 50% discount for brand name drugs for seniors while paying out-of-pocket for drugs in the coverage gap. Even though they only pay 50% of cost, the full price of the drug will count as paid so that they get out of the coverage gap sooner. The Secretary of Health and Human Services was put in charge of implementation. Section 1101 of the Health Care and Education Reconciliation Act Provides a $250 rebate to seniors who enter the "coverage gap""donut hole". Closes the Medicare Part D "coverage gap" "donut hole" by 2020. Section 3308: Reduces Medicare Subsidy for High-Income Seniors Section 3311: Medicare Advantage & Medicare Part D Complaint System Secretary of Health and Human Services will create a system so that seniors can submit complaints about the private Medicare Advantage and Medicare Part D drug plans Subtitle E: "Ensuring Medicare Sustainablity" Section 3401: Changes Payment Structures for Medicare Payments Section 3402: Freezes Premiums for High Income Seniors at 2010 Levels until 2019 Section 3403: Independent Payment Advisory Board (IPAB) Creates a 15 member board to propose ways to reduce the growth of Medicare spending. The board's recommendations will not go into effect during years that the Medicare growth rate is under control. The board will make non-binding recommendations during years when the Medicare growth rate is under control (added by Section 10320). The board is not allowed to propose anything that rations care, raises taxes, raises premiums for actual Medicare, increases out-of-pocket expenses for seniors, or reduces benefits. The board's suggestions will take effect unless Congress enacts alternative legislation that achieves the same level of  savings. Subtitle F: "Health Care Quality Improvements" Provides funding for a variety of programs. Subtitle G: "Protecting and Improving Guaranteed Medicare Benefits" Section 3601: Nothing in This Law Can Cut Medicare Benefits Section 3602: Nothing in This Law Can Cut Medicare Advantage Benefits TITLE IV: PREVENTION OF CHRONIC DISEASE AND IMPROVING PUBLIC HEALTH Subtitle A: "Modernizing Disease Prevention and Public Health Systems" Section 4002: Prevention and Public Health Fund Will provide $2 billion a year (starting in 2015) for public health programs that include research, health screenings, and immunizations. Subtitle B: "Increasing Access to Clinical Preventative Services" Section 4103: Free Wellness Plan for Medicare Seniors Seniors will get a physical their first year on Medicare and risk assessments every year following without having to pay a co-pay or deductible. Section 4107: Help to Quit Smoking for Pregnant Women on Medicaid States must provide counseling and products to help pregnant woman on Medicaid quit smoking with no out-of-pocket costs. Subtitle C: "Creating Healthier Communities" Section 4205: Nutrition Labeling at Chain Restaurants Chain restaurants with 20 or more locations have to provide the number of calories (or a calorie range for combo meals) on menus, boards, and drive-thru boards. Upon request by a customer, they must be able to provide calories from fat, saturated fat, cholesterol, sodium, total carbohydrates, sugars, fiber, and protein. Section 4207: Break Time for Nursing Mothers Employers must allow nursing mothers break time to milk themselves. The employers do not have to pay the mothers for that time. Employers with under 50 employees are exempt. Subtitle D: "Support for Prevention and Public Health Innovation" Funds research and other programs. TITLE V: HEALTH CARE WORKFORCE Subtitle A: "Purpose and Definitions" Subtitle B: "Innovations in the Health Care Workforce" Creates a commission and provides grants. Subtitle C: "Increasing the Supply of the Health Care Workforce" Section 5201: Federally Funded Medical Student Loans Federal government will help pay medical student loans if the student agrees to practice as a primary care physician for 10 years. Decreases the penalty for students who don't comply. Section 5202: Increases Student Loan Amounts for Nursing Students Section 5203: Federal Government Loan Payback for Pediatric Medicine Students If the student agrees to work full-time providing pediatric services, the Federal government will help pay their student loans up to $35,000 a year. Section 5204: Federal Government Service in Return For Loan Repayment If a medical student agrees to work for the government for 3 years or longer, the government will pay up to $35,000 of that student's loans. Subtitle D: "Enhancing Health Care Workforce Education and Training" Subtitle E: "Supporting the Existing Health Care Workforce" Subtitle F: "Strengthening Primary Care and Other Workforce Improvements" Subtitle G: "Improving Access to Health Care Services" Section 5601: Provides Funding for Community Health Centers TITLE VI: TRANSPARENCY AND PROGRAM INTEGRITY Subtitle A: "Physician Ownership and Other Transparency" Section 6001: New For-Profit Doctor-Owned Hospitals Can Not Participate in Medicare Section 6002: Reporting on Industry Payments to Doctors Starting on March 31, 2013, pharmaceutical companies and manufacturers must report any kind of payments that they make to doctors. Manufacturers must report any ownership or investment relationships their doctor customers have with the company. Penalties for not reporting Between $1,000 an $10,000 for each payment that was not reported, capped at $150,000. If the manufacturer knowingly failed to report a payment, the penalty is $10,000-$100,000 for each payment that was not reported, capped at $1,000,000. The payment information reported on by manufacturers must be posted on a searchable website by September 30, 2013 (this has been delayed one year). Section 6004: Reports on Prescription Drug Samples Drug manufacturers and distributors must report the identity and quantity of drug samples requested and distributed every year. Section 6005: Pharmacy Reports Pharmacies need to report on their generic drug dispensing rate, rebates, discounts, and price concessions. Subtitle B: "Nursing Home Transparency and Improvement" Section 6103: Nursing Home Comparison Website The Department of Health and Human Services will operate a website that will allow customers to compare nursing homes by providing staffing data, certifications, complaints, and criminal violations. Section 6105: Creates a Standard Complaint Form Section 6111: Penalties Reduced for Self Reporting Secretary of Health and Human Services will be allowed to reduce penalties by 50% for facilities that report their own violations Subtitle C: "Nationwide Program for National and State Background Checks on Direct Patient Access Employees of Long Term Care Facilities and Providers" Section 6201: Background Checks Secretary of Health and Human Services will establish a system for doing background checks that include fingerprints on employees of long term care facilities. Subtitle D: "Patient Centered Outcomes Research" Subtitle E: "Medicare, Medicaid, and CHIP Program Integrity Provisions" Section 6401: Provider Screenings Secretary of Health and Human Services must establish procedures for screening providers and suppliers for Medicare, Medicaid, and CHIP All screening will include license checks Secretary can impose additional screenings including fingerprinting, background checks, and random visits. Providers and suppliers will have to report shady affiliations, suspended payments, if they're excluded from other Federal programs, and/or if they've had their billing privileges revoked. There will be an application fee of $200 for individual doctors and $500 for institutions every five years. Section 6404: Medicare Claims Must be Made Within 12 Months Section 6407: Physicians Must Have Face-to-Face Meeting With Patient Before Certifying Home Services Section 6411: Recovery Audit Contractors Secretary of Health and Human Services will establish contracts with auditors who will identify under and overpayments and collect overpayments for Medicaid services. The Secretary is required to include Medicare Advantage and Medicare Part D. Subtitle F: "Additional Medicaid Program Integrity Provisions" Section 6501: Medicaid Termination States must terminate a Medicaid program if they were kicked out of Medicare or another State's Medicaid program. Section 6502: Medicaid Exclusions Medicaid must exclude an individual or company that owns or manages something that: Has unpaid overpayments Is suspended or excluded from participation Is affiliated with someone who is suspended or excluded from participation Section 6505: No Payments Can Go Outside of the United States Subtitle G: "Additional Program Integrity Provisions" Section 6601: Prohibits False Statements Insurance company employees can be prosecuted and sentenced up to 10 years in prison and fined if they lie about the plan's financial solvency, benefits, or regulatory status. Subtitle H: "Elder Justice Act" TITLE VII: IMPROVING ACCESS TO INNOVATIVE MEDICAL THERAPIES Subtitle A: "Biologics Price Comparison" Subtitle B: "More Affordable Medicines for Children and Underserved Communities" TITLE VIII: "CLASS ACT"(Repealed) TITLE IX: "REVENUE PROVISIONS" Section 9001 as amended by Section 1401 of the Reconciliation Act: Excise Tax on High-Cost Employer Paid Insurance Plans Starting in 2018, there will be a on insurance companies for any health plan that costs more than $10,200 for single coverage and $27,500 for family coverage. The tax is 40% of the amount of the premium above $10,200 and $27,500. The tax begins at $11,850 for individuals and $30,950 for families for plans covering people over 55 and in high risk professions. The tax does not apply to plans sold on the individual market; it only applies to employer paid plans. The tax does not apply to stand alone dental or vision plans. Section 9002: Employer-Paid Health Benefits Will be Included on W-2 Forms Section 9008 as amended by Section 1404 of the Reconciliation Act: Pharmaceutical Industry Fee A fee of at least $2.8 billion a year will be divided by market share and paid by pharmaceutical manufacturers and distributors. Section 9009 as amended by Section 1405 of the Reconciliation Act: The Medical Device Tax There will be a 2.3% deductible tax on the sale of medical devices to be paid by the manufacturer or importer. The tax is not applied to items sold directly to the public such as eyeglasses, contacts, etc. Section 9010 as amended by Section 1406 of the Reconciliation Act: Tax on Health Insurance Companies A non-deductible fee will be divided amongst all health insurance companies based on market share every year. The fee will not apply to insurance companies that make less than $50 million in net premiums. The fee will not apply to government or employers. Non-profits who get more than 80% of their money from government programs are exempt. The fee is: $8 billion in 2014 $11.3 billion in 2015-2016 $13.9 billion in 2017 $14.3 billion in 2018 2019 and beyond: The previous year's fee increased by the rate of premium growth Section 9012: Eliminate Incentives For Employers to Enroll in Medicare Part D Section 9013: Raises Threshold for Medical Expenses Deduction Increases from 7.5% to 10% Individuals over 65 can claim the deduction at 7.5% until 2016 Section 9014 as changed by amendment (See Section 10906): Tax on Wealthy Increases the hospital insurance tax on people earning over $200,000 a year individually or $250,000 married couples filing together by 0.9%. Section 9014 as changed by Section 1402 of the Reconciliation Act: Tax on Wealthy Wall Street Income The hospital insurance tax will include a 3.8% tax on income from interest, dividends, annuities, royalties, and certain rents on people earning over $200,000 a year individually or $250,000 married couples filing together. Section 9017 as changed by amendment (See Section 10907): Tax on Elective Medical Procedures Indoor Tanning There will be a 5% tax on elective cosmetic surgery There will be a 10% tax on indoor tanning services. TITLE X: STRENGTHENING QUALITY, AFFORDABLE HEALTH CARE FOR ALL AMERICANS Buried in Section 10104: Dismissal of Fraud Cases Changes Section 3730(e) of title 31, United States Code which determines how we prosecuted people who commit fraud, by eliminating this paragraph: In it's place, they put this: Section 10108: Free Choice Vouchers If a worker's health insurance contribution through their employer will be between 8%-9.8%, their employer has to offer them a voucher that will pay the employee's share if the worker would like to pick their own plan on the exchange. Section 10330: Update Computer Data Systems for Medicare and Medicaid Secretary of Health and Human Services must make a plan and determine the budget for modernizing the computer and data systems for Medicare and Medicaid Additional Provisions from The Health Care and Education Reconciliation Act Section 1103: Stops Medicare Advantage Excessive Profits Medicare Advantage plans must spend 85% of their revenue on medical costs rather than profit and overhead. Additional Information: Intro and Exit Music: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio) Music: Begging for Change - Healthcare Blues by Peter Alexander Is Obamacare Enough? Without Single-Payer, Patchwork US Healthcare Leaves Millions Uninsured, Democracy Now, October 7, 2013. Treasury Department Memo (describes why the large employer reporting requirements are delayed for a year), July 2, 2013. Obamacare Medical Loss Ratio Saved $1.5 Billion in 2011, Insurance Journal, December 5, 2012.

Carrier Sekani Tribal Chief David Luggi discusses his opposition to the proposed Recognition and Reconciliation Act. Provincial New Democrat finance critic Bruce Ralston talks about the state of the government's finances. And our rabble-rousing panel - Don Anderson, Eleanor Gregory, Bob Russell and Allan Warnke - debate the week that was in provincial and federal politics

We speak with former BC-STV campaign spokesperson Shoni Field about the future of electoral reform. British Columbia Chamber of Commerce president and chief executive officer John Winter discusses the proposed Recognition and Reconciliation Act, as well as the state of the economy. And our rabble-rousing panel - Don Anderson, Bob Russell, Allan Warnke and Monday Magazine's Jason Youmans - debate the week that was in provincial and federal politics.

We speak with children and youth representative Mary Ellen Turpel-Lafond about her advice for the third Campbell administration. Assembly of First Nations Regional Chief Shawn Atleo discusses his bid to become the assembly's national chief - as well as the proposed Recognition and Reconciliation Act. And our rabble-rousing panel - Don Anderson, Eleanor Gregory, Bob Russell and The Tyee's Andrew MacLeod - debate the week that was in provincial and federal politics.

On May 17, 2006, President Bush signed into law the Tax Increase Prevention and Reconciliation Act of 2005. Many income tax benefits expired at the end of 2005 but were not extended by this legislation (e.g. the deduction for state and local sales taxes; the deductions for school teacher's expenses; the deduction for higher education expenses; etc.).  More information can be found at http://www.moneyguy.com/2006/05/money-guy-05-31-2006