National Health Insurance Act (644): Difference between revisions
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National Health Insurance Act (644) (view source)
Revision as of 23:01, 26 December 2022
, 1 year ago3 revisions imported
FDold>TheTypn (Created page with "''An addition and amendment to the The Public Hospitals and Healthcare Act (635) to ensure that all Kodiak citizens have absolute universal access to affordable health insurance. The National Health Service Amendment has the potential to improve individual health and ultimately population health by providing healthcare for citizens based on need and not the ability to pay while also slowing the rising cost of healthcare. The budget range is estimated to be 18000 - 22000...") |
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== '''National Health Insurance Act (644)''' ==
''An
=== '''Article 1 - The Removal of Article 3 Under the Public Hospitals and
▲1.1 - Hereby strikes said Article of said Act and render it null and void.
'''Article 2 - Mandatory Purchase of Private Comprehensive Health Insurance and Subsidization of Such Purchase''' ▼
▲=== '''Article 2 - Mandatory Purchase of Private Comprehensive Health Insurance and Subsidization of Such Purchase''' ===
1.1 - Mandates all Kodiak citizens to upgrade their insurance package from their choice of private insurer to a comprehensive package within thirty days.
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1.3 - Allows residents who are citizens of nations with public health services maintaining an agreement of reciprocity with the Kodiak Republic Department of Health exemption from the mandates of this Article.
2.1 - Should any qualified person fail to oblige with the mandates of this Article, they are mandated to pay a fine. The fine will be either 1000 Kodiak Florins or 2.5% of a person’s annual income, whichever means of being fined is available to the person.
* 2.1.1 - A person who fails to pay the penalty shall not be subject to any criminal prosecution or penalty and cannot have liens or levies placed on their property, but the Ministry of Revenue and Treasury will be able to withhold future tax refunds from them.
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* 4.1.1 - "Full-time" is defined as, with respect to any month, an employee who is employed on average at least thirty (30) hours of service per calendar week.
5.1 - A Kodiak state may apply to the Ministry of Health and Education for a renewable five-year waiver. The decision of whether to grant the five-year waiver is up to the ministry. A state with the waiver would be exempt from the requirements of this act. However, the state will not receive compensation for any federal subsidies, tax credits and such for which its residents and employers would have been eligible under the amendment.
'''Article 2 - Government Regulation Upon Private Insurers''' ▼
▲=== '''Article 2 - Government Regulation Upon Private Insurers''' ===
1.1 - Mandates Ministry of Education and Health publish, annually, a document known as the mandate which specifies healthcare coverage requirements which insurers should seek to meet.
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3.1 - Insurers are prohibited from excluding pre-existing medical conditions.
4.1 - All new insurance plans must cover preventive care and medical screenings.
5.1 - Insurers are prohibited from charging co-payments, co-insurance, or deductibles for all services provided.
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11.1 - Mandate insurers spend 80% (for individual or small group insurers) or 85% (for large group insurers) of premium dollars on health costs and claims, leaving only 20% or 15% respectively for administrative costs and profits, subject to various waivers and exemptions.
12.1 - Prohibit insurers from denying coverage or charging higher rates to any individual based on pre-existing medical conditions or discrimination of any sort.
'''Article 3 - Goverment Funding of Employer Healthcare Association Plans''' ▼
▲=== '''Article 3 - Goverment Funding of Employer Healthcare Association Plans''' ===
1.1 - Companies that provide early retiree benefits are eligible to participate in a temporary program that reduces premium costs.
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* 2.1.1 - Seasonal employees, owners and their relations are not considered as an employee under this amendment.
=== '''Article 4 - Transparency of Insurers''' ===
1.1 - Mandate the Ministry of Health and Education provide consumer insurance information for individuals and small businesses in all states.
2.1 Mandate Insurance companies use simpler, more standardized paperwork with the intention of helping consumers make apples-to-apples comparisons between the prices and benefits of different health plans.
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