health insurance

D-Day for ‘Obamacare’ repeal aka Trumpcare bill in the House

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It is decision day (D-Day) in the House.

The radical far-right GOP House Freedom Caucus is making eleventh-hour demands for more draconian measures to the GOP’s “Obamacare” repeal bill aka “Trumpcare 2.0” (soon to be 3.0?) ahead of the vote scheduled for today, only because it is the anniversary of President Obama signing the Affordable Care Act into law. The post-policy nihilists of the GOP only do propaganda, not policy.

The New York Times reports, Key to Health Vote, Hard-Line Conservatives Push New Cuts:

Hard-line conservatives in the House will meet Thursday morning with President Trump to hammer out changes to the House bill to repeal the Affordable Care Act, pressing to eliminate federal requirements that health insurance plans provide a basic set of benefits like maternity care, emergency services and wellness visits.

What the Freedom Caucus wants in the GOP health-care bill, and why it’s not getting it:

The Congressional Budget and Impoundment Control Act of 1974 dictates that not just anything can be passed by the “reconciliation” process; matters that are “extraneous” to the budgetary nature of the bill are excluded.

House leaders, including Speaker Paul D. Ryan (R-Wis.), are insisting that any provisions rolling back the ACA’s essential health benefits are indeed extraneous. And not only are they extraneous, Ryan argued Wednesday, but if the House adds them to the bill, the Senate couldn’t just strip them out — it could no longer consider it as a privileged reconciliation bill needing only a simple, Republican majority to pass.

Translation: the Senate cloture rule requiring 60 votes to end debate and advance to a vote on the bill will apply, and Democrats could comfortably filibuster this bill in the Senate.

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Alleged ‘Boy Genius’ Paul Ryan doesn’t know how insurance works

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Wow. This actually happened this week.

The GOP’s alleged boy genius, the “zombie-eyed granny starver from the state of Wisconsin” and Ayn Rand fan boy Paul Ryan, gave an “explainer” explaining his RyanCare TrumpCare repeal of ObamaCare in which he said Obamacare in a ‘death spiral’ because healthy people are forced to pay for sicker people (video).

Even a late-night comic, Jimmy Kimmel, could see the obvious flaw in boy genius’s argument. Jimmy Kimmel Sums Up the Problem with Paul Ryan’s Obamacare Replacement:

Kimmel reserved his most damning comments for House Speaker Paul Ryan, who has been trying to defend his party’s plan. “He said the reason Obamacare doesn’t work is because it makes healthy people pay for the care of sick people,” Kimmel explained. “Isn’t that how all insurance works?”

“Imagine trying to buy car insurance,” Kimmel continued. “’Hey, my car is fine. I’m not paying for those people who got in accidents.’ It’s like saying the lottery doesn’t work because only one person hits the jackpot.”

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House Tea-Publicans pass a symbolic anti-abortion bill to save face

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After the Tea-Publican House leadership failed to muster a majority among its own members for Rep. Trent Franks’ unconstitutional 20-week ban on abortions, being forced to pull the bill Wednesday night,  they finally settled upon a replacement with a symbolic, but potentially far more damaging bill, HR 7.  Bill PDF.

Joan McCarter at Daily Kos reports, House Republicans include a tax hike in their latest abortion bill:

Taliban[Tea-Publicans] revived their long-standing effort to codify a ban on federal funding of abortion that even extends to private insurance, and plans sold in Obamacare insurance exchanges. But it’s also a tax-hike on small businesses who provide employees with health insurance that covers abortion.

Under the SHOP exchange, a part of the Affordable Care Act, small businesses receive a tax credit if they include abortion care in their plans. Roughly 87 percent of private plans include abortion services as part of comprehensive coverage, meaning the bulk of small businesses would be hit with a tax hike if the bill, called the No Taxpayer Funding for Abortion Act, were to become law.

As Minority Leader Nancy Pelosi pointed out, House Republicans have shifted their attack from the thousands of women with the 20-week abortion ban to millions of women who would have this legal medical procedure stripped from their private insurance, for which they are paying.

[The bill also includes limitations on federal facilities and employees (e.g., military/veteran hospitals),  and local government funding for the District of Columbia.]

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Shopping the ACA Marketplace: One Small Business’ Route to ‘Affordable’ Healthcare

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ACA-paper12-sig-sm72by Pamela Powers Hannley

With full implementation of the  Affordable Care Act (ACA), January 2014 marks the beginning of a new era in health insurance in the US.

For the chronically uninsured and for those with pre-existing conditions, it's been a long and financially perilous wait for all of the ACA benefits to kick in.

For anti-government, conservative ideologues, the three-year waiting period gave them time to mercilessly attack reform that will provide insurance for millions of Americans, spread layers of misinformation about "Obamacare," hold dozens of meaningless repeal votes in the Republican-controlled House of Representatives, and hold the country hostage for 16 days in a multi-million-dollar government shutdown fiasco.

Today, December 23, 2013 is the cut-off date for enrollment in ACA insurance plans which begin January 1, 2014; the final deadline for ACA enrollment is March 31, 2014. Since the beginning of December, I have been shopping the healthcare marketplace on behalf of the ultra-small business that I work for–The American Journal of Medicine. On Friday, I submitted our final paperwork to our insurance broker.

This is the story of one small business' route to "affordable" care.

Our Journey

Our journey began long before the premier of Healthcare.gov, the much-maligned ACA enrollment website, and even before the ACA was signed into law in 2010. At the Journal, we had been unhappy with our health insurance plan through Aetna for years. Like clockwork, the cost went up 10-25% each year, forcing us to rethink coverage multiple times in order to live within our budget.  We also were dissatisfied with the limited number of even more expensive alternative plans offered to us. The Journal's editorial pages have been pushing for Medicare for all for years and broke the stories about medical bankruptcy in 2009 and continued medical bankruptcy under Romneycare in Massachusetts in 2011. Consequently, we were ready for the public option back in 2009; today, we're just glad that the ACA made it through the Republican gauntlet and the Supreme Court. Unlike recent news stories about people and small businesses wanting to keep their existing healthcare plans, we were waiting with baited breath for three years to dump our plan.

The bottomline is that with Obamacare, the Journal — and the emplopyees– will pay less for healthcare insurance. Read about our ACA Marketplace experiences and lessons learned after the jump.