Tuesday, June 18, 2013

Tim Egan New York Times Obamacare

A friend of mine has an adult child with cancer, a young man just old enough to be beyond the age of coverage under his parents’ health care plan. After nearly killing him, the dreaded Hodgkin’s lymphoma is in remission. But he’s still a pariah in the eyes of the insurance industry, which means they can deny him a policy that might save his life.

Not for long. In six months’ time, the heartless practice of refusing to let sick people buy affordable health insurance — private-sector death panels, the most odious kind of American exceptionalism — will be illegal from shore to shore.

“I can’t wait for Obamacare,” my friend gushed the other day. And she’s not alone. About one in 10 people with cancer in this country have been denied health coverage.

The cartoon version of the Affordable Care Act, that much-loathed government takeover of one-sixth of the economy, is now moving from Beltway gasbags and caricaturists into the hands of consumers. Its fate will be determined by the countless anecdotes of people who will apply the law to their lives.

The early indications are that most Americans will be pleasantly surprised. Millions of people, shopping and comparing prices on the exchanges set up by the states, are likely to get far better coverage for the same — or less — money than they pay now. The law, as honest conservatives predicted, before they orphaned their own idea, is injecting competition into a market dominated by a few big names.

What will happen if, in the end, Obamacare really works?

You won’t hear this from the entrenched forces that have spent about $400 million denouncing the law on television ads, groups like the Karl Rove-backed Crossroads GPS. They have good reason to fear it: if Obamacare works, the game will be over for those who oppose the most significant change in American life in a generation’s time. You also don’t hear much from Mr. Obama himself; once again, he’s a passive observer of his presidency.

But out among the states that are actively building the foundations of Obamacare, the law seems to be doing what it was supposed to do. In Washington State, nine companies have filed paperwork to offer policies in a region that has long been controlled by three big entities.

“The surprise is that, for many in the individual market, the premiums will be lower and the benefits so much richer,” said Mike Kreidler, the state insurance commissioner in Washington. “Eventually, I can see the Affordable Care Act being embraced like Medicare, because once people get used to this kind of coverage, it’s going to be a pretty abhorrent thing to try and take it away.”

In Oregon, brisk competition will mean real choice for consumers. Starting in October, a 40-year-old resident of Portland can choose between one insurer charging $169 a month or another asking $422 for the same plan. When these rates were first posted not long ago, some of the companies requested a do-over so they could submit lower rates. Yes, lower rates. So much for a government takeover.

In California, 13 companies will compete for the business of 5.3 million or so people expected to purchase insurance through the new exchanges. Officials say the average monthly premium will be $321 — that is, $110 less than the national average predicted by the Congressional Budget Office.

All of the above are for individuals, shopping for their own health insurance as required by the new law. For the majority of Americans, those with employer coverage, Medicare or Medicaid, little will change except that insurers can no longer put a lifetime cap on benefits. The biggest change, the one likely to drive public perception, will be felt by people long denied care because of “pre-existing conditions.” Soon, they will pay the same insurance rates as healthy people, and get second chances at life.

As well, there’s a bonus opportunity for those stuck in jobs they hate, holding on only because they need the health care, for a take-this-job-and-shove-it moment. Moderate-income families qualify for significant bargains, using the subsidies of Obamacare.

Of course, you can expect scare stories and Fox News alerts about higher premiums. These anecdotes will focus on young, healthy people with no coverage who will have to join the rest of the country in the insurance pool, or pay a fine. Some employers will also choose to pay the government rather than insure their own workers, but you won’t find too many of those listed among the best places to work. And we’ve already seen claims of skyrocketing premiums under the new plan, but those have been widely debunked as fraudulent comparisons between the bottom-of-the-bin teaser rates of today and the substantial packages of coverage required in the new law.

It’s a fascinating moment, akin to the dawn of Social Security or Medicare. Republicans in the last three years actually did the country a favor by wildly overstating the case against a middle-ground approach to getting the United States closer to universal health care. As in 1935 and in 1965, the ossified right is warning once again of an impending end to American life as we know it. Thankfully, they’re right.



Capt. Joey said...

Thanks for the post Micheal...

Conchscooter said...

I hope he's right.

East Egg Bill said...

From what I have seen about Obama-Care is that no one knows exactly what it is about. How much is going to cost? What does it cover? What are the restrictions? What if you cannot afford it, do they toss you behind bars?

Unemployment is rampant here on Long Island and NY unemployment is below the national poverty level so how are those people going to afford anything? Mr. Obama never thought that one out.

And what about those like myself who have exhausted their unemployment? Mr. Obama never thought about that either.

You can buy private insurance now in NY for around $3K a month. Of course you can buy into Healthy NY for $1K a month for a family of 2. But with what it covers you are better off putting a gun to your head and pulling the trigger.

Then there is Medicaid. With the way Nassau County runs it, you have to sign over everything you own to the county including the shirt on your back. And the care you get is not even close to being of any decent quality.

I shudder to think what will happen when New York and Nassau County get's it's hands on Obama-Care.

What Mr. Obama should have done was not Obama-Care but Job-Care to get people back to work once again and stop the offshoring of our jobs.

Trobairitz said...

I was diagnosed with Crohn's Disease back in 1991 when living in British Columbia. Had surgery two years later and it has been in remission every since. Because I lived in BC and paid high taxes I wasn't bankrupt by the surgery. It didn't cost a dime out of pocket beyond what my high taxes were already paying.

We moved to Oregon in 2001 and I was refused insurance coverage because of my Crohn's even though I haven't seen a doctor for it since 1993.

I don't know if "Obamacare" (I really wish they wouldn't call it that) is the answer but I do think it is a step in the right direction.

Anonymous said...

I too am happy that we have finally made a move toward universal health care. There will be much work to do to perfect this system. Personally I would prefer a single payor system..modeled after the current Medicare Part B. What we are to get is similar to Medicare Part D (prescription portion of Medicare) which has a decent design and mission. Unfortunately for most of us the plan will be turned over to the insurance industry to administer in the name of free enterprise and competition. Guess what that industry is interested in. Yes. Making money and lots of it. Still I am happy that we have finally done SOMETHING.