The impact of ObamaCare on doctors and patients, companies inside and outside the health sector, and American workers and taxpayers
“Doctors and hospitals treated more patients and collected more payments in the spring as millions gained insurance coverage under the health law, new figures from the government show.
But analysts called the second-quarter increases modest and said there is little evidence to suggest that wider coverage and a recovering economy are pushing health spending growth to the painful levels of a decade ago.”
“A flaw in the federal calculator for certifying that insurance meets the health law’s toughest standard is leading dozens of large employers to offer plans that lack basic benefits such as hospitalization coverage, according to brokers and consultants.
The calculator appears to allow companies enrolling workers for 2015 to offer inexpensive, substandard medical insurance while avoiding the Affordable Care Act’s penalties, consumer advocates say.
Insurance pros are also surprised such plans are permitted.
Employer insurance without hospital coverage “flies in the face of Obamacare,” said Liz Smith, president of employee benefits for Assurance, an Illinois-based insurance brokerage.”
“Obamacare—or at least the version of it that the president and his advisers currently think they can get away with putting into place—has been upending arrangements and reshuffling the deck in the health system since the beginning of the year. That’s when the new insurance rules, subsidies, and optional state Medicaid expansions went into effect. The law’s defenders say the changes that have been set in motion are irreversible, in large part because several million people are now covered by insurance plans sold through the exchanges, and a few million more are enrolled in Medicaid as a result of Obamacare. President Obama has stated repeatedly that these developments should effectively shut the door on further debate over the matter.
Of course, the president does not get to decide when public debates begin or end, and the public seems to be in no mood to declare the Obamacare case closed. Polling has consistently shown that more Americans oppose the law than support it, and that the opposition is far more intense than the support. The law is built on a foundation of dramatically expanded government power over the nation’s health system, which strikes many voters as a dangerous step toward more bureaucracy, less choice, higher costs, and lower quality care. The beginning of the law’s implementation does not appear to have eased these fears, and in some cases has exacerbated them.”
“The uninsured rate for kids under age 18 hasn’t budged under the health law, according to a new study, even though they’re subject to the law’s requirement to have insurance just as their parents and older siblings are. Many of those children are likely eligible for coverage under Medicaid or the Children’s Health Insurance Program.
The Urban Institute’s health reform monitoring survey analyzed data on approximately 2,500 children, comparing the uninsured rate in June 2014 with the previous year, before the health insurance marketplaces opened and the individual mandate took effect. It found that rates remained statistically unchanged at just over 7 percent for both time periods.”
“The politically divisive legacy of ObamaCare has vulnerable Democrats trying to downplay their past support of the legislation ahead of Election Day – by criticizing the president’s execution of the law or by sidestepping the issue altogether.
Lately, Democrats in tough Senate races have been slamming President Obama for breaking his pledge that everyone could keep their health plans and doctors “no matter what.”
Louisiana Sen. Mary Landrieu, locked in a race with Republican Rep. Bill Cassidy, says of Obama in a recent ad: “This is a promise you made. This is a promise you should keep.”
Landrieu previously offered legislation requiring people be allowed to keep their plans and doctors and not be forced into ObamaCare, though Senate Majority Leader Harry Reid has yet to schedule a vote on it.”
“A report out today puts numbers behind what hit many workers when they signed up for health insurance during open enrollment last year: deductible shock.
Premiums for employer-paid insurance are up 3% this year, but deductibles are up nearly 50% since 2009, the report by the Kaiser Family Foundation shows.
The average deductible this year is $1,217, up from $826 five years ago. Nearly 20% of workers overall have to pay at least $2,000 before their insurance kicks in, while workers at firms with 199 or fewer employees are feeling the pain of out-of-pocket costs even more: A third of these employees at small companies pay at least $2,000 deductibles.”
“An NBC affiliate in Virginia reports that nearly 250,000 people in that state will lose their health care plans due to Obamacare:
“Nearly a quarter million Virginians will have their current insurance plans cut this fall,” said the local anchor. “That is because many of them did not–are not following new Affordable Care Act rules, so a chunk of the companies that offer those individuals their policies will make the individuals choose new policies.”
Says the reporter, “This goes back to that now heavily-criticized line we heared before Obamacare was put in place: ‘If you like your plan, you can keep it.’ Ultimately, that turned out not to be true for thousands of Virginians and companies in the commonwealth. … Wednesday Virginia lawmakers on the health insurance reform commission met for the first time this year. Turns out, a staggering number of Virginians will need new plans this fall.””
“Though the law will be a year older, Republicans will push a vote to repeal Obamacare if they take back the Senate in November, a top GOP senator told reporters Thursday morning.
“I suspect we will vote to repeal early to put on record the fact that we Republicans think it was a bad policy and we think it is hurting our constituents,” said Sen. Rob Portman (R-Ohio), appearing at a breakfast hosted by the Christian Science Monitor. “We think health care costs should be going down, not up. We think people should be able to keep the insurance that they had. They are worried about the fact that the next shoe to drop is going to be employer coverage.”
As Portman’s remarks indicated, a repeal vote by a Republican-controlled Senate would be a largely perfunctory exercise, designed to register GOP opposition with the health care law once again. The president would never sign such a measure, even if he were severely chastened by the 2014 election results. Even top conservative donors concede as much.”
“Some of Obamacare’s big supporters say the new law has already contributed to decreases in the rate of growth of health spending.
But a new report from the Center for Medicare and Medicaid Services Office of the Actuary says the rate slowed because of a slow economic recovery, increased cost-sharing for those enrolled in private plans and sequestration.
Indeed, the report does not mention Obamacare when assessing the situation. “The recent period is marked by a four-year historically low rate of health spending growth, which is primarily attributable to the sluggish economic recovery and constrained state and local government budgets following the 2007-09 recession,” the report states.”
“TOPEKA — The three private insurance companies that administer the Kansas Medicaid program under KanCare lost $72.6 million in the first half of 2014, after losing $110 million in 2013.
Rep. Jim Ward, a member of a KanCare oversight committee who requested the fiscal information from the Kansas Department of Health and Environment, questioned Tuesday how long the three companies can sustain such losses.
“These companies can’t keep subsidizing Medicaid to the tune of $100 or $150 million per year, and that’s what’s happening,” said Ward, D-Wichita.
KanCare is the initiative launched by Gov. Sam Brownback on Jan. 1, 2013. It moved virtually all the state’s Medicaid enrollees into health plans run by Amerigroup, UnitedHealthcare Community Plan and Sunflower Health Plan, a subsidiary of Centene.
The three managed care organizations, in information to be filed with the National Association of Insurance Commissioners, reported a total of about $96 million in underwriting losses in the first half of this year. The claims they paid outstripped the $394 million to $483 million each received from the state based on how many Medicaid clients they have.”