Posts Tagged ‘Health care reform’

Public Opinion Redux

Tuesday, October 12th, 2010

The most recent Bloomberg Poll has some interesting results on the fate of health care reform.

Here is the relevant question:

Turning to the health care law passed earlier this year, what is your opinion of the bill — should it be repealed or not?

It should be repealed: 47%
It should not be repealed: 42%
Not sure: 11%

It looks like this ought to be discouraging for proponents of reform. Until voters are polled on what’s in the health care law.

A 54% majority don’t want to bring back the lifetime caps on expenditures. A 75% majority do not want to repeal protections for pre-existing conditions. 60% want to preserve the insurance exchanges for the unemployed. 67% want to keep the elements of the law that allow kids up to age 26 to remain on their parents’ policies. 73% want to fill the Medicare donut hole.

Republicans seem to think that their calls to repeal the Affordable Care Act will be popular. Good luck with that.

But it would be nice if the public had a clue about what was in the bill.

Of course, if you get your news from the mainstream media you are likely to be confused about basic facts.

What the Health Care Plan Does Immediately

Wednesday, March 24th, 2010

There has been (and still is) a lot of nonsense said about the recently passed health care bill. So it is worth clearing up misconceptions. Nancy-Ann Perle summarizes the immediate benefits:

  • This year, children with pre-existing conditions can no longer be denied health insurance coverage. Once the new health insurance exchanges begin in the coming years, pre-existing condition discrimination will become a thing of the past for everyone.
  • This year, health care plans will allow young people to remain on their parents’ insurance policy up until their 26th birthday.
  • This year, insurance companies will be banned from dropping people from coverage when they get sick, and they will be banned from implementing lifetime caps on coverage. This year, restrictive annual limits on coverage will be banned for certain plans. Under health insurance reform, Americans will be ensured access to the care they need.
  • This year, adults who are uninsured because of pre-existing conditions will have access to affordable insurance through a temporary subsidized high-risk pool.
  • In the next fiscal year, the bill increases funding for community health centers, so they can treat nearly double the number of patients over the next five years.
  • This year, this bill creates a new, independent appeals process that ensures consumers in new private plans have access to an effective process to appeal decisions made by their insurer.
  • This year, discrimination based on salary will be outlawed. New group health plans will be prohibited from establishing any eligibility rules for health care coverage that discriminate in favor of higher-wage employees.
  • Starting January 1, 2011, insurers in the individual and small group market will be required to spend 80 percent of their premium dollars on medical services. Insurers in the large group market will be required to spend 85 percent of their premium dollars on medical services. Any insurers who don’t meet those thresholds will be required to provide rebates to their policyholders.
  • Starting in 2011, this bill helps states require insurance companies to submit justification for requested premium increases. Any company with excessive or unjustified premium increases may not be able to participate in the new health insurance exchanges.
  • This year, small businesses that choose to offer coverage will begin to receive tax credits of up to 35 percent of premiums to help make employee coverage more affordable.
  • This year, new private plans will be required to provide free preventive care: no co-payments and no deductibles for preventive services. And beginning January 1, 2011, Medicare will do the same.
  • This year, this bill will provide help for early retirees by creating a temporary re-insurance program to help offset the costs of expensive premiums for employers and retirees age 55-64.
  • This year, this bill starts to close the Medicare Part D ‘donut hole’ by providing a $250 rebate to Medicare beneficiaries who hit the gap in prescription drug coverage. And beginning in 2011, the bill institutes a 50% discount on prescription drugs in the ‘donut hole.’

Victory (I Hope)

Sunday, March 21st, 2010

Assuming, as expected, that the Senate plays ball, we will have Health Care Insurance Reform.

This is indeed an important victory and an historic moment. And it is testimony to Obama’s political skills and the policy chops of Senate and House Democrats.

Although the process has been exhausting and frustrating and the deal-making ugly, the result is impressive. Ezra Klein provides an excellent summary of the accomplishment:

This was a hard bill to write. Pairing the largest coverage increase since the Great Society with the most aggressive cost-control effort isn’t easy. And since the cost controls are complicated, while the coverage increase is straightforward, many people don’t believe that the Democrats have done it. But to a degree unmatched in recent legislative history, they have.

Furthermore, the bill reduces the federal budget deficit.

All of this was accomplished in the face of lies about “death panels” and “government takeovers”, deep cynicism, outright threats, an utterly polarized electorate, and powerful interest groups who could easily have scuttled the effort. Ezra Klein again:

This year, the Obama administration succeeded at neutralizing every single industry. Pharma supports the bill. Insurers are incoherent on it, but there’s not a ferocious and united campaign to kill the proposal. The American Medical Association has endorsed the Senate bill. The hospitals have endorsed the bill. Labor has endorsed the bill. The business community is split, with larger employers holding their fire.

The legislation isn’t perfect—far from it. And one could argue that Democrats should have pushed for a better bill, ditched the attempts at bi-partisanship that failed to garner a single Republican vote, and resisted the influence of the insurance companies who will likely come out winners from all of this.

But truth be told, there was not a lot of room for maneuver. The compromises were probably necessary given the political climate.

The unsung hero here is Nancy Pelosi who mastered the end game and guided this legislation through a House Democratic caucus with sharp ideological differences in an election  year.

But with all the celebration, a note of caution is in order. As Robert Reich wrote recently:

Nothing that’s legislated is perfect and in my view the good that will come from passing health care legislation outweighs the bad, but be warned: the pending House bill (that will go to the Senate for a “reconcilation” vote) does not repeal the antitrust exemption for health insurers, nor does it contain a public insurance option. It thereby will allow health insurers to continue to consolidate into even larger entities, gain as much market power as they can, and charge ever higher prices. Yet Americans will be required to buy health insurance from them. Assuming the bill becomes law, this dissonance spells trouble. It will have to be addressed before 2014, when the bill takes effect.

The real work starts now. This is complex legislation that must be implemented correctly if it is to have the desired effects on health care coverage and cost reductions. And much of the bill does not take effect until 2014—that is a lot of time for mischief-makers to derail the effectiveness of this much needed reform.

book-section-book-cover2 Dwight Furrow is author of

Reviving the Left: The Need to Restore Liberal Values in America

For political commentary by Dwight Furrow visit: www.revivingliberalism.com