HEALTH CARE : DISINFORMATION : UNITED STATES: POLITICS: POLITICAL PARTIES: REPUBLICAN PARTY, TEA PARTY : INDUSTRIES: PETROLEUM : LIBERTARIANISM : RACISM : BIGOTRY : EXTREMISM : HATE GROUPS : INTOLERANCE : DONALD TRUMP : BLATANT FALSEHOODS : SERIAL LIARS : REPUBLICAN WAR ON WOMEN : RAPE CULTURE : SEXISM : NEO-NAZIS : KU KLUX KLAN : RELIGION: CHRISTIANS: RELIGIOUS RIGHT : VIOLATIONS OF THE CONSTITUTION : MEDIA SUPPRESSION : LEGAL ISSUES : REPUBLICAN OBAMACARE REPEAL : MEDIA : FREEDOM OF THE PRESS : CENSORSHIP : POLITICS: VOTER SUPPRESSION : DICTATORSHIPS : OLIGARCHIES : FAKE NEWS : COUNTRIES: RUSSIA : INVESTIGATIONS : COLLUSION : RESISTANCE: Donald Trump on Health Care

David P. Dillard
 

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HEALTH CARE :

DISINFORMATION :

UNITED STATES: POLITICS: POLITICAL PARTIES: REPUBLICAN PARTY, TEA PARTY :

INDUSTRIES: PETROLEUM :

LIBERTARIANISM :

RACISM :

BIGOTRY :

EXTREMISM :

HATE GROUPS :

INTOLERANCE :

DONALD TRUMP :

BLATANT FALSEHOODS :

SERIAL LIARS :

REPUBLICAN WAR ON WOMEN :

RAPE CULTURE :

SEXISM :

NEO-NAZIS :

KU KLUX KLAN :

RELIGION: CHRISTIANS: RELIGIOUS RIGHT :

VIOLATIONS OF THE CONSTITUTION :

MEDIA SUPPRESSION :

LEGAL ISSUES :

REPUBLICAN OBAMACARE REPEAL :

MEDIA :

FREEDOM OF THE PRESS :

CENSORSHIP :

POLITICS: VOTER SUPPRESSION :

DICTATORSHIPS :

OLIGARCHIES :

FAKE NEWS :

COUNTRIES: RUSSIA :

INVESTIGATIONS :

COLLUSION :

POLITICS: ELECTIONS :

RESISTANCE:

Donald Trump on Health Care

How Trump Is Destroying Obamacare

By Kimberly Amadeo

Updated October 20, 2017

THE BALANCE

http://tinyurl.com/l5ms7qz

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Donald Trump on Health Care

How Trump Is Destroying Obamacare

By Kimberly Amadeo

Updated October 20, 2017

THE BALANCE

http://tinyurl.com/l5ms7qz


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On October 17, 2017, Senators Lamar Alexander, R-Tenn, and Patty Murray, D-Wash, announced a bipartisan deal to save Obamacare from President Trump's latest attack. On October 12, 2017, Trump threatened to stop reimbursing insurers who waive deductibles and copayments for low-income customers. The next payment is due on October 21, 2017. The administration blames Congress for not appropriating the funds.

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Trump initially asked for a bipartisan deal, supported it on the day it was released, but backed away on October 18. The fate of the deal, and of Obamacare itself, is now tenuous.

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The Alexander-Murray deal would continue the subsidies until 2019. It would also restore $106 million in funding to promote the health insurance exchanges. In return, it would give states more flexibility in the variety of choices they can give to consumers." It would allow insurers to offer catastrophic plans to those aged 30 and over. It loosens the requirements for states to received 1332 waivers. Insurance policies must still cover Obamacare's 10 essential benefits. They cannot raise prices on policies for those with pre-existing conditions. The bill still needs to pass the House and Senate before going to the president.

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Without the deal, insurance companies would raise customers' premiums by 20 percent. The ACA subsidies would cover those costs for many people.
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But that would add to the deficit. The Congressional Budget Office estimates it would cost the government $194 billion more over the next 10 years.

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As a result of the uncertainty, some major insurers had signaled possible pullbacks. They included Cigna, Health Care Service, Molina Healthcare, Highmark Health and Independence Blue Cross.

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They all agreed to stay in the exchanges. But half of the counties only have one insurer, and another 30 percent have two.

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To keep them in the exchanges, states had to approve rate increases. For example, Kentucky, Mississippi, and Virginia approved a 25 percent rate increase. That's to buffer companies' profits in case Trump decides to eliminate the reimbursement.

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Trump's Executive Order Weakening Obamacare

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On October 12, 2017, President Trump signed an executive order that modifies Obamacare in five ways. These changes won't go into effect until later in 2018 at the earliest.

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First, the order directs the Secretary of Labor to expand access to association health plans. These are policies made available to trade groups, small businesses, and other associations. Its members can purchase policies in other states.

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The order fulfills a campaign promise to allow health insurance companies to operate across states lines. Each state has specific regulations. That makes it expensive for national insurance companies to operate in different states. As a result, five companies service half the insured population. Trump maintains that the increased competition would reduce these companies' monopoly power.

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That would drive insurance costs down.

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But the executive order could increase these five companies' power instead. They are the only ones that have the clout to operate across state lines. If they controlled that market, they would raise prices.

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Even more frightening is that the new policies wouldn't be regulated. The administration is likely to exempt association plans from the Affordable Care Act's rules. They wouldn't have to get state licenses, either.

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As a result, they wouldn't have to offer the ACA's 10 essential benefits. They could reimpose lifetime and annual limits. They could charge more to those with pre-existing conditions. Without regulations, these plans would look like they did in the early 1990s. They left 398,000 people with $123 million in unpaid claims, according to a report by the Government Accountability Office.

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If this rule took effect, it would make the insurance offered on the health insurance exchanges unaffordable. That's because healthy people would flock to the lower-cost association plans that offer fewer benefits. The ACA-compliant plans would be stuck with the sickest people. That's like asking auto insurance companies to insure only those who have been in car accidents. Insurance companies would have to raise rates to remain profitable or drop out of the health insurance exchanges completely.

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The order may affect those with company-sponsored plans. The ACA allows employers to choose a coverage plan from any state. That didn't matter when the ACA mandated all plans to have the same benefits. But employers might flock to the new plans have fewer benefits because they cost less.


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snip

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Additional Topics Covered in This Article


How Trump's Plan Would Affect You

Other Trump Efforts to Weaken the ACA

Trump Is Frustrated With Congress' Failed Efforts to Replace Obamacare

Graham-Cassidy Bill

Senate Skinny Bill

Senate Better Care Reconciliation Act

American Health Care Act



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The complete article may be read at the URL above.

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