The Expanded and Improved Medicare For All Act or U.S. National Health Insurance Act is a proposed bill first introduced by U.S. Representative John Conyers, D-MI in 2020 with a dozen sponsors in Congress. In 2020 it was introduced as H.R.3, which is the Medicare Access and CHIP Reauthorization Act. This bill would provide single-payer Medicare coverage to every American citizen.
Although there are different types of single-payer plans already in operation in other countries, only one type of health plan can currently provide universal coverage. Currently, there are two basic types of private health insurance: group insurance plans and individual insurance plans. The main difference between a group plan and an individual plan is that a group plan is designed to cover an entire group whereas an individual plan is designed to cover an individual member of the group.
Group plans have been in existence for many years, while individual plans have only recently become available to many insurance companies. One of the advantages of group insurance plans is the fact that they are more affordable than individual plans. Many people do not want to have to spend hundreds of dollars on individual health insurance premiums every month, even if the premiums are subsidized by the government. For these people, group plans can be their best option.
The expanded Medicare for All bill, passed in 2020, was designed to make Medicare even more affordable. It also included a number of benefits such as eliminating annual deductible or co-payment for preventive care and expanding coverage for prescription drugs. The bill also required that each American citizen over the age of eighteen be offered the choice of either a private insurance plan or a government plan. Currently, the government only offers group insurance plans. When the government decides to expand its coverage, it has to apply to a special waiver process, which takes several years to process.
When the expanded Medicare for All bill first came up, the Obama Administration did not support it. Senator Ted Kennedy (D-MA), who is a leading Democratic Presidential candidate in 2020 suggested that there should be a waiting period for the program to become implemented. The administration then claimed that the waiting period would be too costly. and did not support the bill. Now however, it seems that President Obama has changed his position and supports the legislation.
The primary difference between a group plan and individual health insurance plans is that the government provides the basic infrastructure and pays all the health care costs of the members of the plan. This includes the hospital room, doctors, and all prescriptions. The private insurance plans usually cover only a portion of the cost.
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