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Thread: Repeal and Replace

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    Repeal and Replace

    That a repository of repeal and replace stuff for the Affordable Care Act would be cool to keep track of all the stuff that pops up.

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    Interestingly, Paul's plan would provide a two-year window for people with preexisting conditions to sign up for care. It would then revert to pre-ACA rules in which people with preexisting conditions could still get coverage in the group market. It's unclear what would happen to people with preexisting conditions in the individual market after the two-year open-enrollment period.
    I don't see how that makes any sense. Are people going to stop getting cancer after two years? Or stop moving to new states or getting laid off?

    “And I got a call from the head of the Boy Scouts saying it was the greatest speech that was ever made to them, and they were very thankful."
    -President Donald J. Trump

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    Quote Originally Posted by Norm dePlume View Post
    I don't see how that makes any sense. Are people going to stop getting cancer after two years? Or stop moving to new states or getting laid off?
    It's Business Insider. They probably didn't read the proposal correctly. If their story is accurate I'd say it's an improper way to limit adverse selection.
    "What truly matters is not which party controls our government, but whether our government is controlled by the people. January 20th 2017, will be remembered as the day the people became the rulers of this nation again. The forgotten men and women of our country will be forgotten no longer."

    link

    Time will tell.

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    Quote Originally Posted by scott View Post
    It's Business Insider. They probably didn't read the proposal correctly. If their story is accurate I'd say it's an improper way to limit adverse selection.
    They were doing so well talking among themselves...
    13. “Pick the target, freeze it, personalize it, and polarize it.”
    Cut off the support network and isolate the target from sympathy.
    Go after people and not institutions; people hurt faster than institutions.

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    A letter from America's Health Insurance Plans (AHIP) and Blue Cross Blue Shield Association regarding the Cruz amendment:

    Dear Leaders McConnell and Schumer:

    As the U.S. Senate considers the Better Care Reconciliation Act, we are writing to urge
    you to strike the "Consumer Freedom Option" from the bill. It is simply unworkable in
    any form and would undermine protections for those with pre-existing medical
    conditions, increase premiums and lead to widespread terminations of coverage for
    people currently enrolled in the individual market.

    The Consumer Freedom Option allows insurers to sell products that must comply with all
    rules in current law alongside plans that do not comply with current insurance reforms –
    meaning they are allowed to refuse offering coverage to certain people, charge different
    rates based on age and gender, and not provide comprehensive health benefits. This
    would allow the new plans to “cherry pick” only healthy people from the existing market
    making coverage unaffordable for the millions of people who need or want
    comprehensive coverage, including, for example, coverage for prescription drugs and
    mental health services.

    Some have asserted that a “single risk pool” – which requires insurers to place all
    consumers into one pool to determine premiums – as well as additional dedicated funding
    for high risk individuals will make this work. That is not the case. The Consumer
    Freedom Option establishes a “single risk pool” in name only. In fact, it creates two
    systems of insurance for healthy and sick people. A new paper from the American
    Academy of Actuaries on risk pooling confirms this view. We also firmly believe that the
    dedicated funding included in the bill to address the cost of plans that cover people with
    pre-existing medical conditions is insufficient and additional funding will not make the
    provision workable for consumers or taxpayers.

    As healthy people move to the less-regulated plans, those with significant medical needs
    will have no choice but to stay in the comprehensive plans, and premiums will skyrocket
    for people with preexisting conditions. This would especially impact middle-income
    families that that are not eligible for a tax credit. Taxpayers will pay more to finance
    federal tax credits for the individuals in comprehensive plans and these costs will
    continue to increase, even with dedicated funding. Risk adjustment is also critical to
    making the individual market sustainable, but can only work when there are uniform
    benefit requirements across the market.

    Finally, this provision will lead to far fewer, if any, coverage options for consumers who
    purchase their plan in the individual market. As a result, millions of more individuals will
    become uninsured.

    Given our experience and longstanding commitment to providing health care coverage,
    we understand what it takes to make health insurance markets work for consumers. We
    believe strongly that the rules must apply equally to all insurance products offered in state
    individual and small group markets. A level playing field and effective risk adjustment
    across uniform benefits is important to assure effective competition, choice and
    affordability. The Consumer Freedom Option does not meet these requirements and
    would harm consumers who are most in need of coverage. We strongly oppose this
    provision.
    Cruz' plan effectively ghettoizes high cost patients. Their coverage will experience death spiral, while thin coverage plans for healthy people will benefit from the lack of high-cost customers.
    Last edited by Norm dePlume; Sunday, July 16th, 2017 at 12:37 PM.

    “And I got a call from the head of the Boy Scouts saying it was the greatest speech that was ever made to them, and they were very thankful."
    -President Donald J. Trump

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    Quote Originally Posted by Michele View Post
    They were doing so well talking among themselves...
    Must get tricky logging on and off. You think he has two hats and changes them so he can keep track of who he is.
    __________________________________________________ __________________________________________________ _________
    May fordings never be too deep, And alders not too thick; May rock slides never be too steep And ridges not too slick.
    And may your bullets shoot as swell As Fred Bear's arrow's flew; And may your nose work just as well As Jack O'Connor's too.
    May winds be never at your tail When stalking down the steep; May bears be never on your trail When packing out your sheep.
    May the hundred pounds upon you Not make you break or trip; And may the plane in which you flew Await you at the strip.
    -Seth Peterson

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  11. #9
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    Quote Originally Posted by Norm dePlume View Post



    Cruz' plan effectively ghettoizes high cost patients. Their coverage will experience death spiral, while thin coverage plans for healthy people will benefit from the lack of high-cost customers.
    Not so bad, seeing as how the majority of high cost patients are the elderly, on a death spiral anyway.

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    Quote Originally Posted by Frostbit View Post
    Must get tricky logging on and off. You think he has two hats and changes them so he can keep track of who he is.
    Six months to compose a clever retort, and this is what you come up with?

    “And I got a call from the head of the Boy Scouts saying it was the greatest speech that was ever made to them, and they were very thankful."
    -President Donald J. Trump

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