3. PPACA vs Ga Reforms

Compare

PPACA & Georgia Health Reform 2013

 

PPACA
Unconstitutional
Georgia Health Reform 2013
Constitutional

BASIC PRINCIPLES COMPARISON

Expands Free Markets

No

YES

Increases Insurer Competition

No

YES

Consumer Choice

No

YES

Personal Responsibility

No

YES

Level Playing Field

No

YES

Use of Private Agents/Brokers

No

YES

Support for Charity Care Networks

No

YES

High Risk Pool

No

YES

Benefits of Cross-state selling

No

YES

MANDATE COMPARISONS

Individual Mandate

Yes

NO

Individual Penalty for No Coverage

Yes

NO

Federal Subsidies

Yes

NO

Employer Mandate

Yes

NO

Employer Penalty for No Coverage

Yes

NO

INSURANCE COMPARISONS

Insurance Exchanges
Defined Contribution Plans
Federal Control
Prohibited
Private Market
Encouraged

Standard Benefit Package

Yes

NO

New Coverage Mandates

Yes

NO

Medical Loss Ratio Mandate

Yes

NO

Limits on Adequate Pricing

Yes

NO

Single Risk Pool

Yes

NO

Health Savings Accounts

Limited

Expanded

Limited use of HSA for OTC

Limited

Expanded

Cap on Medical FSAs

Yes

NO

Children

Child To Age 26

Tax Dep.Child To Age 26

Children under 19

No Pre-existing Conditions

No Pre-existing Conditions on parent’s policy

TAX COMPARISONS

New Tax on HSA withdrawals

Yes

NO

New Tax on Medical Devices

Yes

NO

New Tax on Insurance

Yes

NO

New tax on Insurance Officers

Yes

NO

New tax on non-insured Medical Expenses

Yes

NO

New Tax on Pharma

Yes

NO

New Tax on Tanning Services

Yes

NO

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