![Article Image](https://www.freedomsphoenix.com/Uploads/Pix/000-1012083821.jpg)
Wait for benefits is 3 years if health care passes
• YahooUnder the Democratic bills, federal tax credits to help make health insurance affordable for millions of low- and middle-income households won't start flowing until 2013 — after the next presidential election. But Medicare cuts and a sizable chunk of