Good morning, Hank. It's Tuesday, and today I'm going to answer Willie's questions about the American health care reform bill. Well, to start, will you just explain what the health care reform bill is? Yeah, but that's harder to do than you would think because there are actually two health care reform bills: one that passed the House of Representatives and one that passed the Senate. For our purposes, I'm mostly going to talk about the Senate bill. Basically, the bill regulates the insurance industry, preventing it, for instance, from not insuring people who have pre-existing conditions. It also creates a private-based nonprofit insurance exchange where people who don't have jobs, work for themselves, or work for small businesses can go and get health insurance, which will be subsidized by the federal government. Okay, but what if I have insurance through my job? You don't have a job, you're a puppy. But if you had a job, nothing would change, except arguably your premiums. But more on that in a moment. How many people is this new health bill going to cover? About thirty million Americans who are currently either uninsured or underinsured would be covered under this bill. What about pre-existing conditions? Under the Senate bill, by 2014, health insurance companies will no longer be able to exclude people with pre-existing conditions or charge higher premiums based on gender. Because as a rule, ladies are more expensive to insure than dudes. Because ladies, like I don't know if you guys know about this, this is crazy, but they have babies come out of their bodies, and that is expensive. Also, wowsie. So, because insurance companies won't be able to charge women and people with pre-existing conditions more, it's possible that the premiums for healthy, relatively young men like myself...
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