Category: Defending PPACA

Insurers Once on the Fence Plan to Join Health Exchanges in ’15 – NYTimes.com

 

In a sign of the growing potential under the federal health care law, several insurers that have been sitting on the sidelines say they will sell policies on the new exchanges in the coming year, and others plan to expand their offerings to more states.

“Insurers continue to see this as a good business opportunity,” said Larry Levitt, a health policy expert at the Kaiser Family Foundation. “They see it as an attractive market, with enrollment expected to ramp up in the second year.” Eight million people have signed up for coverage in 2014, and estimates put next year’s enrollment around 13 million.

In New Hampshire, for example, where Anthem Blue Cross is the only insurer offering individual coverage on the state exchange, two other plans, both from Massachusetts, say they intend to offer policies next year. Harvard Pilgrim Health Care, a nonprofit insurer with 1.2 million members, said it expected to participate in the exchanges in both New Hampshire and Maine for the first time and to add Connecticut to the mix in 2016.

Insurers Once on the Fence Plan to Join Health Exchanges in ’15 – NYTimes.com

Cabbies Hail For Health Insurance | NBC 10 Philadelphia

Getting health insurance in spite of Gov. Corbett!

About 80 percent of the nearly 5,000 taxi drivers in the city did not have insurance prior to the Affordable Care Act going into effect, said Ronald Blount, president of the Unified Taxi Workers Alliance of Pennsylvania.

"They were pretty much on their own," he said. "If a driver was hit by a drunk driver, the taxi auto insurance doesn’t cover the driver.”

"They’d be stuck with big medical bills,” added Blount, who said many drivers are plagued by “silent killers” like diabetes, high blood pressure and high cholesterol since many eat while on the go and are sitting for most of the day.

In an effort to enroll as many cabbies as possible, the TWA teamed up with two nonprofits focused on health care, Healthy Philadelphia and Get Covered America, to hold regular enrollment and information sessions.

Cabbies Hail For Health Insurance | NBC 10 Philadelphia

Opinion: Cancer survivor: Obamacare got me covered – CNN.com

 In January, for the first time since my diagnosis 36 years ago, I will have an individual health plan that offers quality coverage for me and my family. I will save $628 every month on premiums. Best of all — I wasn’t even asked if I’ve ever had cancer.

Opinion: Cancer survivor: Obamacare got me covered – CNN.com

Obamacare meets extra resistance in Oklahoma – Page 2 – Los Angeles Times

The cognitive dissonance should make these people’s heads explode, but I don’t think there’s enough cognition to create the dissonance.

In dozens of interviews here, many said they feared they would be forced to buy insurance they couldn’t afford. Some said they were told (erroneously) that insurance penalties would come out of their Social Security checks; others said they’d heard the law meant they’d soon have to travel several hundred miles to see a doctor.

"They say it’s affordable, but when you ain’t got no money, nothing’s affordable," said 55-year-old Paul Bush of Midwest City, who accompanied his sister to a clinic for care last week. While he supports efforts in Congress to kill the program — "Heck yeah," he said — he wasn’t happy about Fallin’s decision to reject the Medicaid expansion: "The state could really have used the money."

Bush’s sister, Teresa Springer, might have qualified for care under a Medicaid expansion, but she supported Fallin’s decision.

Springer, who has applied for disability assistance, said she worried that fines related to the healthcare law would cut into her disability checks at the same time that some Republicans in Congress were talking about cutting food stamps.

"That’s all I have," she said after a visit to the Mary Mahoney Memorial Health Center in Spencer, Okla. "I’m going to either pay my bills or not eat." The law, she added, "is hurting everybody."

Obamacare meets extra resistance in Oklahoma – Page 2 – Los Angeles Times

Uninsured in Texas and Florida – NYTimes.com

 

A new Census Bureau report documents the alarming percentages of people in Texas and Florida without health insurance. Leaders of both states should hang their heads in shame because they have been among the most resistant in the nation to providing coverage for the uninsured under the Affordable Care Act, the law that Republicans deride as “Obamacare.”

Uninsured in Texas and Florida – NYTimes.com

“Secretary of ‘splaining” – NYTimes.com

 

“I have agreed to give this talk today because I am still amazed at how much misunderstanding there is about the current system of health care, how it works, how it compares with what other people in other countries pay for health care,” Mr. Clinton told the crowd assembled in a hall around the corner from a montage of black-and-white photographs of the 1992 presidential campaign. The audience of about 250 included Gov. Mike Beebe, a Democrat, and Speaker Davy Carter of the Legislature and Michael Lamoureux, president of the State Senate, both Republicans.

Despite the bipartisan show, health care is a contentious topic in Arkansas politics that conservatives have seized on in local campaigns. Mr. Pryor did not attend the event for risk of being too closely associated with the health care law, according to one person with knowledge of his plans, but who was not authorized to discuss them publicly. A campaign spokesman has said that Mr. Pryor had a scheduling conflict.

With the new insurance markets set to open on Oct. 1 for an initial six-month enrollment period, the White House has asked cabinet officers and other presidential appointees to step up efforts to promote the law. The administration has also recruited actors and entertainers and is seeking athletes and disc jockeys to whip up enthusiasm. Last week, the singer Katy Perry retweeted a Twitter post from President Obama encouraging young people to sign up for coverage. He responded, “Thanks for spreading the word.”

Mr. Clinton’s speech, which the White House broadcast live on its Web site, was not the first time that the former president, whose own attempt to sell a universal health care law failed drastically in his first term, has stepped into the debate over the new law. At the Democratic National Convention last September, Mr. Clinton delivered an endorsement of Mr. Obama that included concrete, well-received explanations of his policies, including on health care. That speech in particular signaled to the White House that Mr. Clinton could be an effective surrogate to sell the highly complicated Affordable Care Act.

On Wednesday, the former president carefully laid out Mr. Obama’s plan without delving into politics. But his mere involvement in selling the law provides him with a platform to reframe the failed battles of “Hillarycare” from his own administration.

“It would not be in her interest to be running for president and have this be a huge controversial issue in 2016,” said Robert J. Blendon, a professor of health policy at Harvard who closely follows public opinion of the law. “The Clintons have a lot of interest in getting this up and working and making it a legacy for the Democratic side.”

Reading glasses perched on his nose, Mr. Clinton struck a professorial tone as he explained in extensive detail the intricacies of the act. He laid out who would qualify for federal subsidies to help pay for the cost of coverage through the new markets and even ticked off Web addresses and phone numbers where Americans could find information.

Clinton Urges Americans to Sign Up for Health Care Exchanges – NYTimes.com

Obamacare Showdown Over a Ham Breakfast in Kentucky – NationalJournal.com

 

Beshear’s advocacy, by contrast, was striking in its intensity and in how personally he approached the issue, picking up on the idea that many people who don’t have health insurance are embarrassed by that and don’t talk about it.

The governor compared health insurance to "the safety net of crop insurance" and said farmers need both. He said 640,000 Kentuckians—15 percent of the state—don’t have health insurance and "trust me, you know many of those 640,000 people. You’re friends with them. You’re probably related to them. Some may be your sons and daughters. You go to church with them. Shop with them. Help them harvest their fields. Sit in the stands with them as you watch your kids play football or basketball or ride a horse in competition. Heck, you may even be one of them."

Beshear went on to say that "it’s no fun" hoping and praying you don’t get sick, or choosing whether to pay for food or medicine. He also said Kentucky is at or near the top of the charts on bad-health indicators, including heart disease, diabetes, cancer deaths, and preventable hospitalizations. He said all that affects everything from productivity and school attendance to health costs and the state’s image.

"We’ve ranked that bad for a long, long time," he said. "The Affordable Care Act is our historic opportunity to address this weakness and to change the course of the future of the commonwealth. We’re going to make insurance available for the very first time in our history to every single citizen of the commonwealth of Kentucky."

About half the audience burst into applause at that point while the other half sat on their hands. But he wasn’t done. He cited a study that showed the law would inject about $15.6 billion into the Kentucky economy over eight years, create 17,000 new jobs, and generate $802 million for the state budget.

"It’s amazing to me how people who are pouring time and money and energy into trying to repeal the Affordable Care Act sure haven’t put that kind of energy into trying to improve the health of Kentuckians. And think of the decades that they have had to make some kind of difference," Beshear finished pointedly.

Obamacare Showdown Over a Ham Breakfast in Kentucky – NationalJournal.com

The Affordable Care Act And People With Disabilities – Forbes

 

“ACA changes the world for persons with disabilities and funds who will now have a choice between public or private health insurance. For significant financial as well as health reasons, we believe that private health insurance, not Medicaid, will be soup d’jour for the vast majority of (Special Needs Trusts) SNT clients. We cannot know for certain, but I would not be surprised to see persons with disabilities leaving public health insurance (Medicaid) for the private market in January, 2012.

The most obvious and most significant health industry reform important to our SNT clients is the elimination of pre‐existing conditions as a bar to purchasing private health insurance. However, ACA also eliminates annual or lifetime caps, rescission of insurance policies, non‐renewability, and higher premium costs for persons with pre‐existing conditions. For individuals with significant medical problems, elimination of cost‐containment ceilings is just as important as access to the door of private medical care. It is not unusual to see clients who have maxed out their lifetime cap and are now seeking public health insurance.

Why would clients opt to pay for private health insurance rather than “free” Medicaid? The two major reasons are first, securing health insurance without a payback on death and second, access to significantly better medical care…

Change makes most of us uncomfortable, but change is a constant in our lives. This is one time when special needs attorneys can both lament the negative impact of national legislation on our personal financial well‐being, but rejoice in the concomitant good fortune of our clients with disabilities who can now join the private health insurance market with the rest of us as equal citizens with their dignity intact.”

The Affordable Care Act And People With Disabilities – Forbes

Engaging confidently on health care reform | Battleground Surveys

 

Republicans will run on health care reform in 2014 and 2016, so get used to it. But do not believe that it will give them a better chance of securing their seats or the best shot at putting competitive Democratic seats in danger.  Democrats in the most rural and the strongest Romney seats will have to be inventive as usual, but Democrats have a lot to say on health care: fix it, don’t repeal it, don’t put the insurance companies back in charge and take your hands off Medicare.

Health care is just not a wedge issue that threatens to change these races very much – as we saw in the 2012 elections where Republicans played out this strategy.  This is basically a 50-50 issue in the battleground districts and the country, and it remains a 50-50 issue after voters have heard all of their toughest attacks, including one on the role of the IRS in the new system.  These attacks have power, and it is important to engage on the issue.  But there is no reason to think the debate changes the dynamic in these competitive House seats: we actually show Democrat members gaining on handling health care reform in their own seats.

Why is it that the popularity of the Republican Congress keeps going down as the Republicans vote now 40 times to repeal the Affordable Care Act, despite that the law is not popular with the public?  We suspect because the House Republicans are associated with gridlock, extreme partisanship, and intense anti-Obama sentiment; because voters have other serious priorities and their steadfast focus on health care alone says Republicans are not focused on them and their issues; because Democrats are more trusted than Republicans on health care; and most important because voters do not want to repeal the law.  The more voters hear “repeal,” the less they are interested in voting Republican.

We know Republican base voters feel intensely about health care reform, but voters rank “government takeover of the health care system” pretty low as a concern about Democrats in Congress.

These results suggest Democrats should engage the issue with some confidence — they can undermine the Republican attacks and indeed gain an advantage by educating the public on the reforms. 

Engaging confidently on health care reform | Battleground Surveys

If this health plan is ‘socialism,’ we need more of it — latimes.com

 

If this health plan is ‘socialism,’ we need more of it

As Obamacare’s exchanges take shape in California, true, transparent, capitalistic competition will be seen among insurance firms, going toe to toe to win consumers.

David Lazarus

6:18 PM PDT, May 23, 2013

So this is what socialism looks like: Private companies competing for people’s business in an open marketplace.

Californians got their first glimpse Thursday of what insurers plan to charge for coverage to be offered next year to about 5 million state residents who don’t receive health insurance from employers.

In southern Los Angeles County, for example, Health Net is charging $242 a month for one of its plans. Blue Shield is charging $287 and Kaiser Permanente $325 for the same coverage.

For the first time, consumers are in a position to make an informed decision about health insurance. They can opt for the lowest-priced plan or they can factor in other considerations, such as personal convenience.

Insurers, meanwhile, are going toe to toe to win customers, keeping prices as low as possible and stepping up quality of service.

Amazingly, the sky hasn’t fallen and the world as we know it hasn’t come to an end.

Critics of Obamacare have long warned of the dire consequences of reforming the U.S. healthcare system. The federal Affordable Care Act constitutes a government takeover of healthcare, they have said. We might as well be living in Cuba.

In reality, what we’re seeing is some much-needed sunlight being cast upon a market that for too long has operated largely in the shadows, denying consumers the information they need to make choices about medical treatment.

Private insurers will have to meet minimum standards for coverage when they begin open enrollment in October, allowing people to compare apples to apples for the first time when shopping for individual or family policies.

Insurers also will have to post their prices in a clear and easily accessible fashion, introducing a long-absent element of competition to the market.

"It will be a one-stop shop for selecting policies," said Devon Herrick, a healthcare economist at the National Center for Policy Analysis. "That should make things a lot easier for people."

If this health plan is ‘socialism,’ we need more of it — latimes.com