Soaring jobless claims are poised to leave millions without insurance coverage during the coronavirus pandemic. Here's what Biden, Sen. Sanders and President Trump have proposed to help them.
get coverage from their employers. Health care, already a top issue for voters, is about to become even more salient as many wonder what the system would look like if President Donald Trump, Democratic front-runner Joe Biden and Democratic underdog Bernie Sanders had their way.
"In all three proposals, whether people are insured or uninsured, they would likely get care if they showed up at a hospital with COVID-19. The question is: How does that care get financed?" said Sabrina Corlette, a research professor who directs Georgetown University's Center on Health Insurance Reforms.
"In the Sanders plan, it's very clear — the government picks up the tab for that almost 100 percent. In the Biden plan, for the most part either the government or your employer would pick up the tab. You might have to pay some deductible or cost-sharing," she said."In the Trump world, it largely falls to the consumer or patient — or the hospital eats the cost or tries to pass it on to employer-based plans.
Here's a guide to what uninsured Americans can do today and how the Biden, Sanders and Trump plans would change the system.One is to sign up for coverage through the Affordable Care Act, or ACA, also known as Obamacare. They can enroll in Medicaid or buy a subsidized plan on the exchanges, depending on their income. Some may fall into a coverage gap if they live in the
that declined the expansion of Medicaid and make too much for Medicaid but not enough for Obamacare assistance, which kicks in at the federal poverty level of $12,760 for an individual without kids."If you lose your job-based coverage, you have 60 days to sign up for an ACA pre-exchange plan. You can actually do that before you lose your job-based coverage.
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