Posted by: maboulette | July 14, 2017

The New Senate Health Care Bill Is Still an Assault on The Safety Net


health insurance

GOP senators met Thursday morning to review the new legislation, and McConnell still faces an uphill path to the 50 votes he needs to advance the bill.

GOP SENATORS

The Kentucky Republican can afford to lose just two of the 52 Republican senators; in his constitutional role as president of the Senate, Vice President Mike Pence can cast a tie-breaking vote, if needed. Already, GOP Sens. Rand Paul (Ky.) and Susan Collins (Maine) have all but definitively declared they won’t support the bill.

CORE DISPUTES

As happened when the House debated and ultimately passed its American Health Care Act in May, the core disputes between the more conservative wing of the GOP conference and “moderate” lawmakers are proving difficult to resolve.

APPEASE SEN. TED CRUZ (R-TEXAS)

To appease Sen. Ted Cruz (R-Texas) and other conservatives, McConnell included new provisions that would create a two-tiered health insurance market. Insurers would be able to offer plans that exclude people with pre-existing conditions or charge them higher rates ― or to market plans without comprehensive benefits ― just if they sell at least one plan with more comprehensive coverage that is available to everybody at a uniform price.

HEALTH INSURANCE INDUSTRY

The health insurance industry warns this system would fail because healthy customers would flock to the deregulated market, leaving sicker people behind in the Affordable Care Act-regulated market and leading to high costs and unaffordable premiums, especially for those who earn too much to qualify for tax credits to defray their costs.

PART OF THE BILL

This part of the bill is in addition to the sweeping changes the underlying measure would make to the health insurance system, including allowing insurers to sell policies with less coverage but higher deductibles and other out-of-pocket costs than are permitted under the Affordable Care Act.

INDIVIDUAL MANDATE

The bill also would repeal the law’s individual mandate that most Americans obtain health coverage or face a tax penalty and its requirement that large employers offer health benefits to workers.

WAIVE THE LAWS REQUIREMENTS

States would be allowed to waive that law’s requirements for coverage of core benefits ― such as hospitalizations, prescription drugs, maternity care and mental health. This would undermine protections for people with pre-existing conditions, who could be offered plans that don’t cover medical services and products needed to treat their ailments. People whose health coverage lapses for more than 63 days would be locked out of the insurance market for six months.

OLDER CUSTOMERS 5X MORE

And insurers could charge older customers five times what they charge younger people, up from three times under the Affordable Care Act.

BETTER CARE RECONCILIATION ACT

Another set of provisions in the Better Care Reconciliation Act would permit small businesses to band together to buy health benefits for their workers through “association health plans” sponsored by trade organizations. This may allow these companies to save money by offering skimpier plans, but they also risk further unbalancing the markefor people who buy their own insurance because healthier people would be absorbed into association health plans.

GOP SENATORS

Republican senators in the “moderate” camp, including Collins, Dean Heller (Nev.) and Lisa Murkowski (Alaska) appear to have gotten little in the rewrite that might win their votes, particularly since they identified the Better Care Reconciliation Act’s enormous Medicaid cuts as their chief concern ― and the new bill retains them. That’s in spite of a new provision that would help Alaska’s exceptionally high-cost health insurance market.

OTHER CHANGES

In addition to adopting a form of the insurance deregulation provisions favored by Cruz, the new bill includes other changes, according to the bill text and summary. They include:

  • States would have access to $182 billion over 10 years to shore up their insurance markets through mechanisms that would compensate insurance companies that cover the sickest patients.
  • Consumers would be able to use untaxed money from health savings accounts to pay their monthly insurance premiums.
  • High-deductible “catastrophic” health insurance plans currently available mainly to people younger than 30 would be open to all consumers, and people could apply tax credits to their premiums.
  • $45 billion in funding would be available for states to address the opioid addiction crisis, up from $2 billion in the original bill.

Here is what I do not understand – the GOP had 7 years to write a replacement bill to Obamacare, and they waited until the last minute to re-write the House’s bill.  7 YEARS – they could have written a great bill but 7 YEARS is not enough time? So now they want to throw older adults, children and single parents under the bus.  I don’t understand it at all.  7 years is long time – what have they been doing when a major talking point during most of the elections in these 7 years was – REPEAL AND REPLACE, REPEAL AND REPLACE – so why haven’t they written a decent replacement plan in those long 7 years?  Hey, and we elected them because we believed that they would repeal and replace – but they have NOTHING to REPLACE OBAMACARE with.  This is the worse form of leadership I have ever seen and I think in the next election for the House and the Senate should be REPEAL AND REPLACE every one of the GOP members.

And where is the leadership from the White House – President Trump also ran on REPEAL AND REPLACE!

 

 

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