Healthcare Reform in California

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Healthcare Reform in California

Lawmakers will need to move quickly to clear the way for Californians’ enrollment in a new state-run insurance market next fall in the run-up to the Affordable Care Act.

Lots changes happening, lots of changes every day.

When state lawmakers are sworn in Monday for the new legislative session, they will have little time to enjoy the pomp and circumstance.

Facing a federal deadline, the Legislature must move quickly to pass measures to implement President Obama’s healthcare law and revamp the state’s insurance market. New legislation will help extend coverage to millions of uninsured Californians and solidify the state’s reputation as a key laboratory for the federal law.

Legislative leaders have said they also want to overhaul environmental regulations, curb soaring tuition at public colleges, and tweak the state’s tax structure and ballot-initiative system.

But healthcare remains one of the largest and most immediate challenges.  Read on, this is important stuff.

The federal Affordable Care Act takes effect in January 2014, when most Americans face the requirement to buy health insurance or pay a penalty. State lawmakers must pass a series of rules to clear the way for enrollment in a new state-run insurance market next fall, including a requirement for insurers to cover consumers who have preexisting medical conditions and limits on how much they can charge based on age.

Gov. Jerry Brown is expected to call a special session of the Legislature next month — concurrent with the regular session — so healthcare bills that he signs can take effect within 90 days rather than the next year.

“It’s a very, very big undertaking to make the promise of the Affordable Care Act a reality,” said state Health and Human Services Secretary Diana Dooley. “We are working as hard and as fast as we can in a very complex area with a lot of conflicting information.”

As an early adopter of the Affordable Care Act, California has already laid much of the groundwork.

It was the first state to establish an insurance exchange after Congress passed the legislation in 2010. More than 30 other states have since sought federal help in enacting their own. Millions of Californians will be able to purchase coverage, with federal subsidies earmarked for families earning about $92,000 or less annually.

One of the most significant proposals will be an expansion of Medi-Cal, the state’s health insurance program for the poor. About 2 million low-income Californians would be newly eligible under the expansion, with the federal government subsidizing costs for the first three years. The state would then shoulder a portion of the bill.

According to a Kaiser Family Foundation study, the expansion could cost the state $6.3 billion over a decade, meaning a 1.7% increase in the amount California spends on Medi-Cal.

California got a head start on the effort by signing up more than 550,000 low-income people in a temporary program. They are expected to automatically move into Medi-Cal in 2014.

Lawmakers will also consider legislation that would create a health plan for people who cannot afford insurance on the open market but make too much money to qualify for Medi-Cal. The option, known as the Basic Health Plan, would provide coverage for individuals with incomes between 133% and 200% of the federal poverty level, or between $15,000 and $21,800 a year.

State Sen. Ed Hern andez (D-West Covina), chairman of the Senate Health Committee and author of the proposal, said the plan was needed to help California’s working poor. “I don’t think they should be choosing between putting food on the table and buying health insurance,” he said.

Insurers urged lawmakers to resist requirements that could make policies offered through the exchange unaffordable.

“We think the Affordable Care Act does much to get millions of people coverage, but new insurance taxes, costly benefit requirements and age pricing restrictions all have the potential of driving up costs,” said Nicole Evans, a spokeswoman for the California Assn. of Health Plans.

Healthcare advocates said it was critical for the Legislature to promote policies that would ensure a mix of healthy and sick policyholders to keep premiums affordable.

“It should be a goal of the state to have millions of people enrolled on Day 1,” said Anthony Wright, executive director of the consumer group Health Access California, “to bring in those federal dollars and make healthcare cheaper for everybody.”

 

Texting While Driving more laws

About everyone has heard about the dangers of texting while driving. Cell phone companies and online educational sites are even creating cool infographics with statistical data about these dangers. Although many data sources have varying report results, it’s agreed that people have a 23-percent greater chance to be in a car crash due to texting. Because of these statistics, and other disturbing results, many states are passing various laws to ban drivers from texting.

Laws vary from state to state. Some states are placing bans on all drivers, while other states only ban teen drivers. Also, some states require that the driver can only be given a ticket for texting while driving if they were pulled over for a different driving offense. While law enforcement is taking strides to reduce the number of distracted drivers using cell phones and sending text messages, it comes to public awareness that can prevent accidents and fatalities.

The more people who are aware of the law and national reports regarding the dangers of texting and driving, the more people will think twice of using the cell phone in the car. Hopefully, this awareness will save lives.

Driving While Texting: States Are Creating Bans To Safeguard Drivers

As you are driving down the freeway at 80mph to get to work, your cell phone buzzes to let you know that you just received an email. You snatch up the phone with one h and while the other holds the steering wheel, as you read and laugh over the satirical digital newsletter about the world’s dumbest drivers.

As you swerve to miss a loading van, you decide to send a text message about the email to your friend at the office. With both h ands typing on the tiny keyboard on your cell phone, you rely on your knee on the steering wheel ( and your cousin Billy Bob’s mechanical genius on repairing cars) to guide your high speeding vehicle down the road.

The irony should be obvious. Driving while all your attention is focused on typing out a text to a friend you are going to see in the next 20 minutes at work is dangerous. Both h ands are off the steering wheel, you are traveling at high speeds, and your eyes and attention are split between typing out the text and staying in your traffic lane. According to National Highway Traffic Safety Administration, over 3,092 people were killed in vehicle crashes in 2010 that had involved a distracted driver and 416,000 people were injured in vehicle accidents caused by a distracted driver. In addition, text messaging while you are distracted creates a 23-times greater risk in causing a serious crash than a driver who is paying attention to the road.

Individual States Take Action To Ban Texting While Driving

When people hear statistics like this, some will start shaking their heads and proclaiming to the sky that they are an excellent driver who can multitask. But why would you multitask while driving several tons of moving metal down the road at dangerous speeds? Why would you risk your safety, the safety of your passengers, the safety of other drivers, and the safety of pedestrians all because you can’t wait to park your car and turn it off before sending a text message?

With the growing concerns of distracted drivers causing serious accidents while texting, the government has stepped in to introduce bills to address this dangerous problem. In 2009, the Distracted Driving Prevention Act and the ALERT Drivers Act encourages states to take action in creating laws about drivers and texting, according to Consumer Reports. While one government act gives financial incentives to states who create texting bans, the other act takes away state funding for highway services in an attempt to force states to become proactive towards the problem.

As stated by The Insurance Institute of Highway Safety, text messaging has been banned in 38 states, including California, for all drivers. Only 5 states ban texting for drivers under the age of 21 or for novice drivers who only have their learner’s permit. The states that have not created a ban are Arizona, Florida, Montana, South Dakota, Ohio, and South Carolina.

Keep Your Teens Safe Behind The Wheel

Even if you decide to practice highway safety, your teen drivers might still feel the itch of placing their typing fingers on the phone’s keyboard while driving. As the Federal Communications Commission stresses, parents need to talk with their children about driving safely. Discuss how important their lives are and that no message is important enough to become distracted while behind the steering wheel.

Also, lead by example yourself and show your kids at an early age that you can keep your h ands off the cell phone while driving.