Commentary

National experts assail Trump’s latest healthcare treachery

In case you missed it, the Trump administration has launched yet another outrageous attack on the Affordable Care Act today. Under the new proposed rule, the ACA ban on junk/sham health insurance policies would be, in effect, repealed. This is from an assessment by the experts at Families USA:

“The draft rule released by HHS allows insurance companies to sell sham insurance plans that do not cover essential health benefits or preexisting conditions, protections that are required under the Affordable Care Act (ACA). More specifically, the rule allows short-term, sham insurance plans, which currently may only be sold for a coverage period of 3 months, to be sold and marketed for up to 364 days. These sham plans can include fine print that, for example, would exclude coverage of asthma, diabetes, or cancer treatments, exclude critical services like pharmacy or maternity care, or include hidden limits, like covering only two days or no days of hospital care a year.”

Families USA executive director Frederick Isasi says the proposal would have disastrous consequences:

“The consumers who buy these plans won’t be the only ones harmed by the Trump administration rule. These sham plans are likely to cause the price of comprehensive coverage to escalate if healthier individuals and families exit the marketplace where comprehensive coverage is sold and instead buy these junk policies.”

Experts at the Center on Budget and Policy Priorities were also highly critical:

“The proposed rule change would roll back 2016 regulations defining short-term plans as those lasting less than three months, defining them instead as those lasting less than one year. It will be open for public comment until April 23.

Because short-term plans offer less coverage and can deny coverage or charge higher prices to people with pre-existing conditions, they offer lower premiums for some healthy consumers than comprehensive plans that comply with the Affordable Care Act (ACA). As a number of groups representing both insurers (such as America’s Health Insurance Plans and the Blue Cross Blue Shield Association) and consumers (including CBPP) have warned: “If short-term plans are allowed to be sold as a long-term alternative to regular health insurance, they will attract healthier consumers away from the regular insurance risk pool and endanger people’s access to comprehensive coverage.”

Compounding the problem, the tax law enacted in December will, in 2019, end the ACA’s individual mandate that most people have health coverage or pay a penalty. This year, the mandate could provide some protection against the expansion of short-term plans because enrolling in one wouldn’t protect someone from having to pay the penalty during 2018. But next year, without the mandate, short-term plans would likely attract more enrollees.”

The center says the change will likely lead to higher premiums in the individual market, the demise of market reforms and access to comprehensive coverage in the individual market, and the exposure of more consumers to gaps and high costs.

The proposal will, in other words, continue the Trumpists’ nefarious effort to undermine a law that they could not muster the votes in Congress to repeal. As such, it is yet another perfect symbol for a dishonest, illegitimate, incompetent and utterly heartless presidency.

Check Also

Another editorial pleads with Burr, Tillis to end ideological attack on federal courts

As Clayton Henkel noted yesterday, the Winston-Salem Journal ...

Top Stories from NCPW

  • News
  • Commentary

Shortly after 10 o’clock yesterday morning, a federal jury in the hog nuisance case Gillis vs. Murph [...]

North Carolina state law would seem to provide just two options for Wayne County school leaders, clo [...]

Perhaps the sixth time is the charm? Rep. David Lewis (R-Harnett) unveiled another attempt Tuesday b [...]

As the UNC Board of Governors prepares to take up the fate of the Silent Sam Confederate monument Fr [...]

Fayetteville is my hometown more than any – I was born here to military parents, this is where my gr [...]

It’s long been understood by those who pay attention to public policy debates that the age-old conse [...]

The post The newest nuisance in the 9th: Election Fraud Scandal appeared first on NC Policy Watch. [...]

Earlier this week, the UNC-Chapel Hill Board of Trustees (BoT) began plans to erect a statue dedicat [...]