Commentary, Trump Administration

Message to Trump administration: Protect our care; don’t weaken the Marketplace

You don’t have to be low-income or uninsured to grasp how challenging and complex the modern world of health care and health insurance has become. Even in my role as a fully insured professional who works in the field every day as an advocate, I wrestle with the challenges the system presents — especially when I grapple with the health concerns of my teenage children and retired parents. The Affordable Care Act has certainly improved things, but we clearly have a long way to go.

In such an environment — one that challenges even informed and comparatively well-off people — it’s remarkable and outrageous that the Trump administration released a proposed health care rule yesterday that would make it harder to for people to remain covered. This proposal — which comes just one day after many North Carolinians celebrated the value of Affordable Care Act at various #HaveAHeart events throughout the state — shows that opponents of the ACA in Congress and the Trump administration value the short-term bottom lines of insurance companies over citizens that elected them into office.

The proposed rule would increase premiums and out-of-pocket costs for consumers while reducing financial help (i.e. tax credits) and plan offerings. It would also shrink the open enrollment period from three months to less than two — a change favored by some insurance companies which complain that people sometimes enroll toward the end of open enrollment period to pay for upcoming costly services only to drop coverage soon after. Instead of viewing the late sign-up as an economic issue for consumers, it seems insurers and the Trump administration believe there are people who actually plan in advance to develop a health condition, suffer a trauma or even receive news of a serious diagnosis after a preventive screening only to drop it and not continue future care.

Another provision on the table provides that regardless of health status, insurers can decide to refuse coverage to individuals or employers who have unpaid premiums. Such a policy would be sure to produce devastating effects in the form of delayed care and worse health outcomes (even death) for families dealing with significant economic and medical needs. It would also increase long-run costs as earlier, lower-cost interventions give way to later, higher-cost treatments. Sadly, the Trump administration seems determined to address the concerns of the insurance industry by shifting all of the burden onto the backs of millions of average Americans.

It shouldn’t (and doesn’t have) to be this way. Instead of higher costs and greater uncertainty, Americans should instead be assured they can have health coverage to access the care they need, when they need it, free from discrimination. Insurers should have a place in a stable, strong Market free from provisions that encourage collapse. What’s more, insurance companies should do what they usually do best — look at the long term — and join with consumers to push for such a win-win outcome.

Right now, individuals, providers, public officials and other leaders across the country are pushing back against the Trump proposals. Let’s hope insurance companies — many of which are among the leading corporate citizens in North Carolina and elsewhere — begin to look beyond their own narrow, short-term interests and join in this effort.

Check Also

It’s past time for the president to stop sabotaging the ACA

Even though efforts to repeal the Affordable Care ...

Top Stories from NCPW

  • News
  • Commentary

The controversy over “Silent Sam,” the Confederate monument on UNC’s Chapel Hill campus, has been ra [...]

North Carolina tries to mine its swine and deal with a poop problem that keeps piling up A blanket o [...]

This story is part of "Peak Pig," an examination of the hog industry co-published with Env [...]

Few issues in the North Carolina’s contentious policy wars have been more consistently front and cen [...]

Five years ago, the U.S. Department of Justice (DOJ) filed a jaw-dropping civil rights lawsuit again [...]

Will Burr and Tillis really vote for this? For much of the 20th Century, one of the labels that Amer [...]

President Trump and Congressional Republicans aim to rebrand enormous tax cuts for the wealthiest ho [...]

20—number of years since a bipartisan coalition in Congress passed the Children’s Health Insurance P [...]

Spotlight on Journalism

We invite you to join a special celebration of investigative journalism! The evening will feature Mike Rezendes, a member of the Pulitzer Prize-winning Boston Globe Spotlight Team known for their coverage of the cover-up of sexual abuse in the Catholic Church.

Tickets available NOW!

Spotlight On Journalism

This event will benefit NC Policy Watch, a project of the North Carolina Justice Center. Sponsorship opportunities available now!

Featured | Special Projects

NC Budget 2017
The maze of the NC Budget is complex. Follow the stories to follow the money.
Read more


NC Redistricting 2017
New map, new districts, new lawmakers. Here’s what you need to know about gerrymandering in NC.
Read more