Can someone help me with health insurance?

Can someone help explain how to read health insurance a little?

• Answer:

  While driving through Alabama this past year, I saw a billboard that said "Healthcare" with a Communist symbol incorporated into it, and below it it said 'Never elect a Democrat.' To be honest, with a couple of exceptions, I haven't had an INTELLIGENT political argument with a conservative on anything. The problem with our present health care system is that it is a "for profit" system. It is not a "for better health" system. That is why it costs 3 times higher per person that any other industrialized nation but delivers overall poor care (the U.S. ranks about 37th on the World Health Org. list) 35% of every health care dollar goes for administrative costs (much due to dealing with health insurance Co.s). Insurance companies get paid for profit as well but act as middle men between the patient and the care/doctor.. They not only cause more expense in the system, they don't provide care. In fact, health insurance companies make more profits denying care. If we had system which eliminated private for-profit health insurance, we would conceivably have a much cheaper and efficient system which would cost everyone less and eventually lead to better care Whether to keep the Health Care Act or not? Okay, if the provisions of the Health Care Act are revoked, we would be in the same position as before Obama with millions not getting medical treatments. People point to the 2014 mandate that requires everyone to buy insurance which may not materialize. The government is going to subsidize everyone to buy their own insurance. We have some taxes to pay for it and on upper income people their tax should raise by 3.8% percent which is the same as it was in 1999. You are smart enough to recognize that the "death panels" (committees to decide whether a very ill elderly person lives or dies) is false despite what the Republicans and Tea Partyers think. When you have insurance, the doctor always makes a decision about terminating your care based on whether you should have life support and what your wishes or your family's wishes are, how much your insurance benefits will cover. Some people said the government, Medicare, would decide when to end the patient's care. Medicare only pays claims. The government would not turn down any claim but private direct pay insurance does. Thats why this is a false argument. Obamacare (Health Care Act) is not universal care because it does not cover everyone and does not have people paying the government for their care. Our system is still privately paid for except for the Veterans Administration which is totally a government health delivery and Medicare which is a subsidy for seniors and disabled to buy private insurance. Medicaid is for people who are below a certain level of poverty and is separate from Medicare. It is decided at the local county level