Health Care Reform 101: Breakdown of Main Concepts of the New Health Care Reform Bill
H.R. 3962, also referred to as the Health Care Reform Bill, promises "To provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes." However, at 2,000 pages, the Health Care Reform Bill is a very lengthy document. Over the next five to ten years the Health Care Reform Bill will change the way Americans receive healthcare so it is important for all U.S. and Illinois residents to understand this bill.
This post will summarize the key issues involved in the Health Care Reform Bill rather than how the Healthcare Reform Act impacts Illinois residents. Basically, the Health Care Reform Bill deals with the issues of community rating in health insurance markets, employer mandates to offer health insurance, imposing a tax on "Cadillac" health insurance plans, and health insurance market competition.
The purpose of establishing community rating in health insurance markets is so that people with pre-existing conditions can gain access to affordable health insurance. Currently these people, who some would argue are the ones who need health insurance the most, are subject to higher rates and premiums on health insurance. These increased premiums were imposed by health insurance companies based on the logic that people with pre-existing conditions are more likely to see doctors than those without. Under a community rating plan, insurance companies would not be prohibited from charging higher health insurance premiums for people with pre-existing conditions and would be required to provide insurance to anyone who desires it.
One of the first changes that will affect Illinois residents is that the U.S. Department of Health and Human Services now has the ability to review and challenge any unreasonable health insurance rate increase. For example, the 
