Shubham Singhal, Jeris Stueland, & Drew Ungerman, McKinsey Quarterly
"Our research suggests that when employers become more aware of the new economic and social incentives embedded in the law and of the option to restructure benefits beyond dropping or keeping them, many will make dramatic changes. The Congressional Budget Office has estimated that only about 7 percent of employees currently covered by employer-sponsored insurance (ESI) will have to switch to subsidized-exchange policies in 2014. However, our early-2011 survey of more than 1,300 employers across industries, geographies, and employer sizes, as well as other proprietary research, found that reform will provoke a much greater response."
Paul Winfree, The Heritage Foundation
"One of the key components of ObamaCare, tax subsidies to purchase federally approved health insurance, will substantially increase the number of people who are not paying for government services and thus have a lower incentive to be concerned about record-breaking government spending. These tax subsidies, which take effect in 2014, will also harm the economy by increasing the national deficit and by creating huge marginal tax rates that will discourage productivity for many households. Obamacare’s tax subsidies are one of the primary reasons to repeal Obamacare."
Thomas Saving & John Goodman, Health Affairs
"Basically, hospitals will not be able to provide seniors with the same kind of services they provide younger patients. To survive, we may see hospitals specialize in Medicare patients and provide far fewer amenities. In some cases, they may offer reduced access to expensive technology. A private room paid for by Medicare may be replaced by four- or six-bed wards. Menu choices may be replaced by the civilian equivalent of meals-ready-to-eat. Hospitals that accept Medicare patients may have access to MRI scanners, but not PET scanners."
Pamela Villarreal and Michael Barba, National Center for Policy Analysis
"Beginning in 2014, the Affordable Care Act will expand the mandatory population and require that states make Medicaid available to all individuals, married or single, under the age of 65 with incomes at or below 133 percent of poverty. Although the federal government will provide funds for states to cover this newly eligible population, it will increase the fiscal burden on many states, particularly those that do not already cover expanded optional populations."
Brian Blase, The Heritage Foundation
"A variety of research shows that Americans enrolled in Medicaid have less access to health care, and when they do receive care, the quality is often inferior to the care provided to other similar patients. This Heritage Foundation paper lays out the research, and shows how Medicaid is failing current enrollees and taxpayers and must be fundamentally reformed. The Medicaid expansion contained in ObamaCare will further weaken the program—hurting those who really need it, as well as unduly burdening the taxpayers who pay for it."
Robert A. Levy, The Cato Institute
"First, the penalty for not buying health insurance is not a tax. Even if the penalty were a tax, it would fail the constitutional requirements for income, excise, or direct taxes. Second, the power to regulate interstate commerce extends only to economic activities; it does not permit Congress to compel such activities in order to regulate them. Third, the mandate is not necessary; indeed, it is merely a means to circumvent problems that would not exist if not for PPACA itself."
Paul Howard, Manhattan Institute
"The ACA presents New York policymakers with a unique opportunity to reform its individual and small-group insurance markets. However, creating an effective market-based exchange requires policymakers to recognize that simply imposing its current high-cost insurance arrangements on the exchange may lead to the collapse of the exchange over time. Instead, reforms should build on the lessons learned from state exchanges in Utah and Massachusetts, federal programs such as Medicare Part D, and private exchanges such as New York's HealthPass."
Rita Numerof, Ph.D., The Heritage Foundation
"The Patient Protection and Affordable Care Act (PPACA) creates federal 'accountable care organizations' (ACOs). In theory, ACOs provide financial incentives to health care organizations to reduce costs and improve quality. In reality, given the complexity of the existing system, ACOs will not only fail; they will most likely exacerbate the very problems they set out to fix. ACOs will concentrate more and more power in fewer and fewer organizations, allowing them to become 'too large to fail.' Such a system undermines competition and entrepreneurship—the bedrock of innovation and job growth in this country."
Lockton Benefit Group, Health Reform Financial Analysis Report
"Our actuarial modeling of more than 130 employee benefit plans
shows that last year’s health reform law imposes additional costs on
employers’ health plans. The study also shows that the law will create
a financial incentive for some employers to terminate health benefit
plans in 2014 when new Insurance Exchanges take effect."
Jean M. Abraham, PhD; and Pinar Karaca-Mandic, PhD, The American Journal of Managed Care
"In 2009, using a PPACA-adjusted MLR
deﬁnition, we estimated that 29% of insurer-state
observations in the individual market would have
MLRs below the 80% minimum, corresponding to
32% of total enrollment. Nine states would have
at least one-half of their health insurers below the
threshold. If insurers below the MLR threshold
exit the market, major coverage disruption could
occur for those in poor health; we estimated
the range to be between 104,624 and 158,736