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BACKGROUND QUESTIONS AND ANSWERS
ON HEALTH CARE PLAN
Q. I like my current insurance coverage. Will I have to change plans?
A. No, you will not have to change plans. For those who have insurance now, nothing will change under the Obama plan – except that you will pay less. Obama’s plan will save a typical family up to $2,500 on premiums by bringing the health care system into the 21st century: cutting waste, improving technology, expanding coverage to all Americans, and paying for some high-cost cases.

Q. How will I be able to sign up?
A. Signing up for the plan will be easy. You will be able do it on your tax return, on the Internet, on forms you can get from your employer, in churches, libraries, motor vehicle bureaus and all sorts of places.

Q. How will the mandate that children be covered affect me?
A. When children are born, their parents will be assisted in signing them up for
affordable, high quality coverage, either through their own employer-sponsored insurance plans, through Medicaid or SCHIP, or through options established by the Obama plan. We will continue to make sure that children are covered, which may include verification when parents sign them up for daycare or school. Obama’s plan will help parents make sure their children get the care they need, at the time they need it.

Q. I am on Medicaid / my family is on S-CHIP. Will I be able to stay on these
programs?
A. Yes. The Medicaid and SCHIP programs are examples of successful state-federal partnerships, covering millions of low-income children, adults, disabled individuals and seniors, including many seniors in nursing homes. As we work to expand health coverage to every American, it makes sense to build upon these successful partnerships, and equally important, to increase the funding to keep them sustainable, instead of dismantling them. The Obama plan would actually expand Medicaid and S-CHIP to cover more families and working people.

Q. Won’t my employer drop coverage?
A. No. Employers who do not offer meaningful coverage to their employees will have to contribute a percentage of their payroll to help offset the cost of providing coverage to all Americans. In most cases, this will eliminate an employer’s incentive to drop coverage. Some small employers will be exempt from this requirement.

Q. Obama says his plan will save $2,500 annually for my family. How?
A. Through a combination of developing efficiencies in the system, expanding
coverage to all Americans, and picking up the cost of some high-cost cases.

Specifically:

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