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None of the 5 bills (3 in the House, 2 in the Senate) has a public option that looks anything like Medicare.
For Medicare, we have payroll taxes deducted our entire working lives, and then at age 65 become eligible to sign up (you must sign up for Part A). Medicare Part A (hospitalization) is essentially covered for most people. If you want Part B, which pays for parts of doctor's visits, tests, and other ancillary things, you pay a premium. You pay another premium to get prescription drug coverage (through private insurers).
The public option is essentially just a non-profit health-insurance plan run by the government. If you choose it, you pay premiums every month just like with private insurance. It is anticipated to be about 20% cheaper than for-profit insurance. But it is not like Medicare.
So stop getting your information from Keith Olbermann, who honestly doesn't understand the legislation.
If you want to scotch the last 6 or 7 months of legislative brouhaha and start all over again, we could talk about Medicare for All. But that is not what is on the table.
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