More Health Care questions for Senators

Below is an email I sent to both our senators.

I have a few questions about the public health care option.

1. What will the limits on coverage be under the public option? Since we obviously can't spend an infinite amount of money curing every disease, how much coverage will each person have under the public option?

2. If the premium is less than the expected costs (such as the limitations proposed in section 213 of HR 3962 and section 222.a.3), where will the remaining premium come from?

3. In section 222.a, paragraph 5 and paragraph 3 seem to be in contradiction. Can you please explain this?

4. What is the difference between the Health Insurance Exchange and the Public Health Insurance Option?

5. From reading the bill, it looks like the Basic Plan of the Health Insurance Exchange will offer the same benefits as those outlined in title II. With no limitations on annual or lifetime benefits, how will this type of unlimited coverage be paid for? Will we spend an unlimited amount of money on health care claims? If not, what will the limits be?

6. What problems are the proposals in title I and title II attempting to solve? How will Title I and Title II solve those problems? What are the pros and cons of these solutions?

7. What are the health insurance Cooperatives in Section 310?

8. Section 322.a.1.b.i says that the premiums for the public health insurance option will fully finance the costs? How will individuals that can't afford health insurance benefit under the current systems benefit from a public option that still requires them to pay the entire premium?

9. Section 343 seems to say, basically, that the premium will be lowered depending on the households income. Am I understanding this correctly?

10. It doesn't seem like there will be enough money to pay for this public health insurance plan. Can you explain that part to me?