This list is great. I’ve copied and pasted my favorites, helpfully annotated.
You are young and don’t want health insurance? You are starting up a small business and need to minimize expenses, and one way to do that is to forego health insurance? Tough. You have to pay $750 annually for the “privilege.” (Section 1501)
Freedoms being lost: The freedom to have me pay for your uninsured emergency room visits and your freedom to start up a business which can’t bring in enough revenue to cover a single annual expense of $750. Jesus wept!
You are young and healthy and want to pay for insurance that reflects that status? Tough. You’ll have to pay for premiums that cover not only you, but also the guy who smokes three packs a day, drink a gallon of whiskey and eats chicken fat off the floor. That’s because insurance companies will no longer be able to underwrite on the basis of a person’s health status. (Section 2701).
Freedoms being lost: The insurance companies’ freedom to deny coverage to anyone who isn’t young and healthy.
You would like to pay less in premiums by buying insurance with lifetime or annual limits on coverage? Tough. Health insurers will no longer be able to offer such policies, even if that is what customers prefer. (Section 2711).
Freedoms being lost: Your insurance company’s freedom to refuse to pay for you to be cured of most serious illnesses, such as cancer. You are also losing the freedom to have me pay for your uninsured emergency room visits during your downhill spiral. More Jesus tears!
Think you’d like a policy that is cheaper because it doesn’t cover preventive care or requires cost-sharing for such care? Tough. Health insurers will no longer be able to offer policies that do not cover preventive services or offer them with cost-sharing, even if that’s what the customer wants. (Section 2712).
Freedoms being lost: Your freedom to drive up my insurance premiums by needing a lot more expensive medical treatment for conditions that, had you used preventive care, could have been circumvented or caught far earlier in their much less expensive phases.
If you are a physician and you don’t want the government looking over your shoulder? Tough. The Secretary of Health and Human Services is authorized to use your claims data to issue you reports that measure the resources you use, provide information on the quality of care you provide, and compare the resources you use to those used by other physicians. Of course, this will all be just for informational purposes. It’s not like the government will ever use it to intervene in your practice and patients’ care. Of course not. (Section 3003 (i))
Freedoms being lost: Your physician’s freedom to hide from you the quality of the care he provides and how much it tends to cost. I personally am going to miss the current system of finding a physician, which if I’m lucky can be based on a friend’s recommendation but is more often a total crapshoot based on geographic proximity to my home or workplace, where I get to test-drive him on my precious, one-and-only body.
You are a health insurer and you want to raise premiums to meet costs? Well, if that increase is deemed “unreasonable” by the Secretary of Health and Human Services it will be subject to review and can be denied. (Section 1003)
Freedoms being lost: Your insurance company’s freedom to jack up your rates without any explanation or justification. Jesus Tears Mark III!
The government will extract a fee of $6.7 billion annually from insurance companies. If you are an insurer, what you will pay depends on your share of net premiums plus 200% of your administrative costs. So, if your net premiums and administrative costs are equal to 10% of the total, you will pay 10% of $6.7 billion, or $670,000,000. In the reconciliation bill, the fee will start at $8 billion in 2014, $11.3 billion in 2015, $1.9 billion in 2017, and $14.3 billion in 2018 (Section 1406).Think you, as an insurance executive, know how to better spend that money? Tough.(Section 9010 (b) (1) (A and B).)
Freedoms being lost: Your insurance company’s freedom to funnel as much of their profits as possible into “administrative costs” rather than into your medical care.
You will have to pay an additional 0.5% payroll tax on any dollar you make over $250,000 if you file a joint return and $200,000 if you file an individual return. What? You think you know how to spend the money you earned better than the government? Tough. (Section 9015).
That amount will rise to a 3.8% tax if reconciliation passes. It will also apply to investment income, estates, and trusts. You think you know how to spend the money you earned better than the government? Like you need to ask. (Section 1402).
Freedoms being lost: For 98.5% of Americans, absolutely none.