Affordable and Comprehensive Universal Health Care Coverage
The Affordable Care Act in peril, New York Hunger Action will work to aware and promote the creation of a universal health care system to provide comprehensive health care services to all New Yorkers. The most common sense solution is a single payer financing system, similar to a Medicare for all, a system used by almost all other industrial countries. We will educate and aware New Yorkers and support the NEW YORK HEALTH ACT – A5062 Gottfried/S3525 Rivera. This bill would enact the New York Health Act to establish a single payer, universal health care system in New York State. All residents would be eligible to participate and enroll in NY Health which would establish a comprehensive medical insurance program, coordinate that program with all current providers including Taft-Hartley funds, and establish parameters with regard to enrollment, covered services, provider participation and other aspects of the program.
How Would the New York Health Act Work?
It would provide comprehensive, universal health coverage for every New Yorker and would replace private insurance coverage. You and your health care providers work to keep you healthy. New York Health pays the bill
1. Freedom to choose your health care providers. There would be no network restrictions. Only patients and their doctors – not insurance companies – would make health care decisions.
2. Comprehensive coverage. All New Yorkers, regardless of immigration status, would be covered for all medically necessary services, including: primary, preventive, specialists, hospital, mental health, reproductive health care, dental, vision, prescription drug, and medical supply costs – more comprehensive than commercial health plans.
3. Paid for fairly. Today, insurance companies set the same high premiums, deductibles, and co-pays, whether it’s for a CEO or a receptionist, and a big successful company actually pays less than a small new business.
Under New York Health, individuals and employers would not pay premiums, deductibles and co-pays. Instead, coverage would be funded through a graduated assessment on payroll and non-payroll taxable income, based on ability to pay. For 98% of New Yorkers, it will be a substantial reduction in what they now spend. Prof. Friedman estimates that there would be savings for New Yorkers with incomes up to $400,000, with the biggest share of savings going to middle-class families.
4. Less administrative waste, better care, more accountability. The total cost would be $45 billion less than what we now spend, because we wouldn’t be paying for huge insurance company administrative costs and profits or for the costly time and paperwork health care providers spend for dealing with insurance companies. Health coverage would be accountable to the people of New York, not to insurance company stockholders.
5. Job-friendly. Health care costs are a significant and unpredictable problem for business. These costs as a share of payroll have increased 50% in a decade, with small group rates increasing almost 7% on average in 2014, and New York businesses spend over $2 billion annually just to administer health benefits. The New York Health Act simplifies and reduces costs for employers – large and small – by taking them out of the business of buying health coverage. That would make New York dramatically more job- friendly, especially for small businesses, start-ups, low-margin businesses, local governments and taxpayers, and non-profits.
6. The most affordable way. Any plan that keeps insurance companies in the picture means wasting close to billions of dollars each year. The cost of eliminating financial barriers to health care and providing universal coverage would be more than offset by savings on administration and through negotiated pricing for pharmaceuticals and other services.