Require the Office of Personnel Management to contract with insurers to offer at least two multi-state plans in each Exchange. At least one plan must be offered by a non-profit entity and at least one plan must not provide coverage for abortions beyond those permitted by federal law.

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Create an essential health benefits package that provides a comprehensive set of services, covers at least 60% of the actuarial value of the covered benefits, limits annual cost-sharing to the current law HSA limits ($5,950/individual and $11,900/family in 2010), and is not more extensive than the typical employer plan.

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Limit deductibles for health plans in the small group market to $2,000 for individuals and $4,000 for families unless contributions are offered that offset deductible amounts above these limits.

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Reduce the out-of-pocket limits for those with incomes up to 400% FPL to the following levels:

  • 100-200% FPL: one-third of the HSA limits ($1,983/individual and $3,967/family);
  • 200-300% FPL: one-half of the HSA limits ($2,975/individual and $5,950/family);
  • 300-400% FPL: two-thirds of the HSA limits ($3,987/individual and $7,973/family).
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Create state-based American Health Benefit Exchanges and Small Business Health Options Program (SHOP) Exchanges, administered by a governmental agency or non-profit organization, through which individuals and small businesses with up to 100 employees can purchase qualified coverage.

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Assess employers with 50 or more employees that do not offer coverage and have at least one full-time employee who receives a premium tax credit a fee of $2,000 per full-time employee, excluding the first 30 employees from the assessment.  Employers with 50 or more employees that offer coverage but have at least one full-time employee receiving a premium tax credit, will pay the lesser of $3,000 for each employee receiving a premium credit or $2,000 for each full-time employee, excluding the first 30 employees from the assessment.  Require employers with more than 200 emp

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Require U.S. citizens and legal residents to have qualifying health coverage (phase-in tax penalty for those without coverage).

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Requires states to expand their Medicaid eligibility rules to cover those up to 133% of the federal poverty level. Over half of those newly insured via ObamaCare will be getting their new insurance coverage through Medicaid.

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Myth It’s not a government takeover. See: President Obama’s weekly radio address from July 19, 2009 Fact The new health law hands over to the federal government immense new powers, powers that will, over time, mean all important decisions about the organization and financing of American health care will need to meet the approval of…

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