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Tags: deductibles | obamacare | premiums

Congressional Republicans: Honor Voters Healthcare Mandate

Congressional Republicans: Honor Voters Healthcare Mandate

(Carolyn Kaster/AP)

Betsy McCaughey By Monday, 28 November 2016 12:17 PM EST Current | Bio | Archive

On the campaign stump, Donald Trump promised to repeal and replace the Affordable Care Act (ACA). Now obstacles are emerging on the left and right. Democrats are sowing panic, falsely predicting that over 20 million will lose coverage. Newly elected Senate minority leader Chuck Schumer claims Trump will “rue the day” Obamacare is repealed.

Meanwhile, on Trump’s right flank, House Republicans are pushing Medicare “reform” and taxes on workers’ health benefits — unpopular ideas that will undermine Trump’s political support and derail his agenda.

Here’s the real deal about repeal:

Will over 20 million lose coverage?

Not even close. Sixteen million of those who gained coverage are enrolled in Medicaid, the public program for low income residents. Obamacare allowed states to expand who could sign up for Medicaid, with the federal government covering the tab. Repeal could result in less federal funding. But no one is pushing to abolish the nation’s health safety net. And states that just expanded Medicaid are unlikely to do a 180 and shrink it.

The 16 million are likely safe.

President-elect Trump proposes giving states more flexibility in how Medicaid is managed. That’s urgently needed. Federal Medicaid spending has shot up 40 percent in the last three years. Research shows that extra spending is not improving health.
What about the other nearly five million newly insured? They’re in Obamacare plans, along with another six million who already had insurance, and all of them are having a tough time. Technically they’re “covered” but many can’t come up with the cash to see a doctor. They’re struggling with exorbitant deductibles — $6,000 per person for the typical bronze plan.

In short, about 5 million previously uninsured people — not the bogus 20 million — may need help after repeal. Trump is proposing market reforms to lower costs and increase choices for consumers stuck in the individual market. 

Will people with preexisting conditions lose out? No. 

All the GOP replacement plans protect them, but not through the cynical, coercive scheme that Obamacare used.

Obama forced two groups of people into the same insurance pool: the healthy and the chronically ill. Healthy people would pay premiums but never meet their sky high deductibles. Instead their premiums would foot huge medical bills for the chronically ill, who consume ten times as much medical care.

Healthy people saw it was a scam. They refused to sign up, despite the penalty.

Obamacare architect Ezekiel Emanuel says forcing the healthy to enroll is essential.

Sorry. There’s a fairer way. Trump would allow insurers to charge ill people more, then subsidize these “high risk” customers with taxpayer dollars. That spreads the cost fairly over the whole population, instead of burdening people in the individual market.

Voila, premiums and deductibles will drop fast for people in the individual market.

Is Obamacare "working" as the president claims? Heck no.

Heck no. More than200 million have been hurt by it. Count them: 155 million with employer-provided plans whose deductibles have soared thanks to the ACA, plus the 11 million paying ACA penalties for not enrolling, plus hundreds of thousands of part-time workers whose hours were slashed by employers dodging the mandate, and 55 million seniors harmed when Medicare funding cuts bankrolled Obamacare.

Repeal is a no brainer. Five million at risk, 200 million desperate to see the law ended.

Is this the time to change Medicare? No way. 

House Speaker Paul Ryan and Budget Committee Chair Rep. Tom Price want Medicare “reform” this spring. But candidate Trump promised to replace Obamacare, fund infrastructure, cut taxes, and fix immigration. Not change Medicare.

A Medicare battle could torpedo his agenda. Remember the demagogues, who vilified Ryan in 2012 with images of granny going over the cliff in a wheelchair?

Ryan and Price also want to cap the tax exemption on employer provided health plans. That would betray union workers who for years have swapped raises for lavish tax-free health benefits. These workers just gave Trump his remarkable win.

Donald Trump made the election a referendum on Obamacare. Republicans in Congress need to respect the voters and make Trump’s agenda the priority.

Betsy McCaughey is a patient advocate, constitutional scholar, syndicated columnist, regular contributor on Fox News and CNBC, and former lieutenant governor of New York. In 1993 she read the 1,362-page Clinton health bill, warned the nation what it said, and made history. McCaughey earned her Ph.D. in constitutional history from Columbia University. She is author of "Beating Obamacare 2014" and "Government by Choice: Inventing the United States Constitution." For more of Betsy's reports, Go Here Now.


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Donald Trump made the election a referendum on Obamacare. Republicans in Congress need to respect the voters and make Trump’s agenda the priority.
deductibles, obamacare, premiums
Monday, 28 November 2016 12:17 PM
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