Health insurance

[Zoe]

Just give Americans the health insurance Congress has.

Am I missing something?

 

[Zoe]

There is an old saying what is fair for the goose is fair for the gander. I may be missing something.............?

 

[Zoe]

Here are the states that will be hit the hardest. Many of them are red states..........hint......hint.

Here Are the States That Will Be Hit Hardest if ACA Subsidies Lapse in 2026 | The Motley Fool

Unless Congress extends ACA subsidies, these states will bear the greatest burden.

www.fool.com

Or should I say may have been red states.

 

[Charles West]

Just give Americans the health insurance Congress has.

Am I missing something?

Yes, you are missing something.

 

[Zoe]

Yes, you are missing something.

Good health insurance for 1 and a congress position another. I knew you were smart.

 

[Bobby Bucks]

Just give Americans the health insurance Congress has.

Am I missing something?

Obamacare is superior to the health insurance members of Congress have, anyone who disagrees with that fact is a bigot.

 

[Zoe]

Obamacare is superior to the health insurance members of Congress have, anyone who disagrees with that fact is a bigot.

Here you go:

https://www.congress.gov/crs-product/R43194

Way better health insurance than I have as small business owner. Read the list of all the benefits they receive. You can read can't you?

 

[Zoe]

Employer Contributions

Members and staff are able to receive an employer contribution toward coverage purchased through the DC SHOP. The employer contribution is calculated using the statutory formula for health plans offered under FEHB.<a href="https://www.congress.gov/crs-product/R43194#fn19" name="ifn19" title="5 C.F.R. §890.501(h).">19</a> The percentage of premiums paid by the federal government is calculated separately for individual, self plus one, and family coverage, but each uses the same formula. According to the formula, the employer contribution is set at 72% of the weighted average of all FEHB plan premiums, not to exceed 75% of any given plan's premium.<a href="https://www.congress.gov/crs-product/R43194#fn20" name="ifn20" title="5 U.S.C. §8906.">20</a> The employer contribution to a plan for a part-time worker is generally prorated, following FEHB program guidelines. OPM indicates that Member and staff contributions to premiums are collected by payroll deduction and the contributions are tax preferred, as they are for FEHB enrollees.<a href="https://www.congress.gov/crs-product/R43194#fn21" name="ifn21" title="OPM, Insurance FAQs: Members of Congress &amp; Staff, http://www.opm.gov/healthcare-insurance/insurance-faqs/?cid=6bf9dd32-d3b9-4fc7-9416-431e535f933a .">21</a> After determining their monthly premium on the DC SHOP website, Members and designated staff may use the OPM "Premium Contribution Calculator" to estimate their share of the premium.<a href="https://www.congress.gov/crs-product/R43194#fn22" name="ifn22" title="The calculator is available at http://www.opm.gov/healthcare-insur...lity-enrollment/#url=Members-of-CongressStaff .">22</a>

Other Health Benefits Related to Federal Employment

Members and staff (hereinafter, "staff" refers to all congressional staff), as well as other federal employees, have access to other health benefits, and their access to these benefits is not affected by Section 1312(d)(3)(D) and the final rule.<a href="https://www.congress.gov/crs-product/R43194#fn23" name="ifn23" title="Ibid.">23</a> Some of these health benefits are available to all federal employees and retirees, while others are only available to active employees, Members, and staff.

 

[Zoe]

Federal Flexible Spending Account Program

OPM administers a Flexible Spending Account (FSA) program, FSAFEDS. Active federal employees eligible for FEHB (including current Members and staff eligible for SHOP coverage) are also eligible to participate in FSAFEDS, whether enrolled in FEHB or not. There are three types of FSAs:

• 1. the Health Care Flexible Spending Account (HCFSA), which reimburses eligible health care expenses that are not covered or reimbursed by other insurance coverage, including copayments, over-the-counter drugs, eyeglasses, dental care, hearing aids, and infertility treatments;
• 2. the Dependent Care Flexible Spending Account (DCFSA), which reimburses eligible non-medical child day care and elder care expenses;
• 3. the Limited Expense HCFSA (LEX HCFSA), which is for those enrolled in a high-deductible health plan (HDHP) with a Health Savings Account, and it reimburses only eligible dental and vision expenses that are not covered or reimbursed by other insurance coverage.

The accounts are funded by the employee from pre-tax salary dollars, with no government contribution. Participants may carry over a limited amount of unspent funds into the following year when re-enrolling in a HCFSA or LEX HCFSA. The DCFSA does not allow carryover, but there is a grace period through March 15 of the following year to incur for expenses against the prior year's account. During the annual FEHB open season, employees may change the amount to set aside in the upcoming year or may choose not to deposit money in their FSA.<a href="https://www.congress.gov/crs-product/R43194#fn24" name="ifn24" title="OPM, Flexible Spending Accounts (FSAFEDS) FastFacts , http://www.opm.gov/insure/fastfacts/fsafeds.pdf .">24</a> Details about the allowed amounts to deposit in a calendar year and to carry over to the next year are available at https://www.fsafeds.com/.

 

[Zoe]

Federal Employees Dental and Vision Insurance Program

Dental and vision benefits are available to active federal employees and retirees (including current and retired Members and staff) through the Federal Employees Dental and Vision Insurance Program (FEDVIP) administered by OPM. FEDVIP enrollees are not required to enroll in FEHB. Enrollees are responsible for 100% of the premiums, and employees' salary contributions are paid with pre-tax dollars. To continue or obtain FEDVIP coverage in retirement, an employee does not have to participate in FEDVIP prior to retirement.

For dental coverage, enrollees have a choice of several nationwide and regional plans covering a variety of preventive and major services, as well as orthodontics for dependents under the age of 19.<a href="https://www.congress.gov/crs-product/R43194#fn25" name="ifn25" title="OPM, FastFacts for Dental Insurance , http://www.opm.gov/insure/fastfacts/dental.pdf .">25</a> For vision coverage, enrollees can choose from several nationwide vision plans that cover routine eye exams and glasses or contact lenses. Plans vary in the other types of services they cover, such as discounts on Lasik surgery.<a href="https://www.congress.gov/crs-product/R43194#fn26" name="ifn26" title="OPM, FastFacts for Vision Insurance , http://www.opm.gov/healthcare-insurance/fastfacts/vision.pdf .">26</a>

Federal Long Term Care Insurance Program

Federal employees and retirees (including current and retired Members and staff) are eligible to apply for long-term care coverage through the Federal Long Term Care Insurance Program (FLTCIP), administered by OPM. Long-term care includes services and assistance for those who can no longer perform activities of daily living, such as bathing and dressing, due to chronic illness, injury, disability, or aging. Most health insurance plans do not include coverage for long-term care services. To apply for coverage under FLTCIP, employees must answer questions about their medical history. Some medical conditions will prevent employees from being approved for coverage. Premiums for FLTCIP may be deducted from an individual's salary or annuity, but they are not pre-tax contributions, and employees pay 100% of the premiums.