Stopping the Obamacare Cost-Sharing is Going to Cost a LOT of Money

Stopping the Obamacare Cost-Sharing is Going to Cost a LOT of Money

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Last year, the Trump administration stopped making cost sharing payments to insurance companies who operate on the Obamacare exchanges, and all that saved government loot has now gone to increased subsidies. A recent court decision means insurance companies will be able to recoup a lot of that money. Healthcare Triage (with thanks to Nick Bagley for the legal interpretation) has the details.

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How to Fix Obamacare’s Marketplaces

Obamacare’s marketplaces were supposed to give consumers choices of health plans from insurers that compete to keep premiums down. But fewer insurers are participating, and premiums are increasing sharply.

Fixing this problem will obviously be politically difficult with a Republican-controlled Congress that has vowed to “repeal and replace.” President-elect Donald J. Trump has also said he wants to get rid of the ACA, although he amended that recently by saying he’d like to keep some elements. Replacing the law, without a Senate supermajority, would also be politically difficult.

From a policy standpoint, however, some solutions to problems facing the marketplaces are ones that Republicans have endorsed before: for Medicare. That’s the topic of this week’s Healthcare Triage.

This episode was adapted from a column FOTS Austin Frakt wrote for the Upshot. Links to further reading and sources can be found there: https://www.nytimes.com/2016/11/15/upshot/politics-aside-we-know-how-to-fix-obamacare.html

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What you need to know about the House vote to repeal Obamacare

The House of Representatives has voted to repeal the Affordable Care Act, better known as Obamacare. The replacement bill, The American Health Care Act, still needs to pass the Senate before President Trump can sign it into law.

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The YouToons Get Ready for Obamacare

Watch the newest YouToons video (released Nov. 11, 2014), Health Insurance Explained – The YouToons Have It Covered: http://youtu.be/-58VD3z7ZiQ

About The YouToons Get Ready for Obamacare: Join the YouToons as they walk through the basic changes in the way Americans will get health coverage and what it will cost starting in 2014, when major parts of the Affordable Care Act, also known as “Obamacare,” go into effect. To download the video, please visit www.kff.org/health-reform/video/youtoons-obamacare-video/


One paragraph of Obamacare saved this boy’s life

A baby was born 6 days after an Obamacare regulation — and it made all the difference.

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Read Sarah Kliff’s full article: http://www.vox.com/policy-and-politics/2017/2/15/14563182/obamacare-lifetime-limits-ban

Timmy Morrison was delivered by emergency C-section, weighing in at 3 pounds, 9 ounces. Doctors put him under anesthesia within a week and into surgery within a month. Some of the contents of his stomach sometimes made their way to his lungs. Workers in the intensive care unit frequently needed to resuscitate him. He arrived seven weeks premature — but, in a way, just at the right time.

Six months before Timmy was born, President Barack Obama signed a sweeping health care law that would come to bear his name. Six days before Timmy’s birth, the Obama administration began to phase in a provision that banned insurance companies from limiting how much they would pay for any individual’s medical bills over his or her lifetime. At the time the Affordable Care Act passed, 91 million Americans had employer-sponsored plans that imposed those so-called lifetime limits.

That group included Timmy’s parents, whose plan previously included a $1 million lifetime limit. This Obamacare provision took effect September 23, 2010. Timmy was born September 29. On December 17, he surpassed $1 million worth of bills in the neonatal intensive care unit. He didn’t leave the NICU until he was 6 months old.

If Timmy had been born a week earlier, his medical benefits could have run out while he was still in the NICU. But that didn’t happen. His insurer covered everything. The NICU bills his parents save total just over $2 million (they come out to $2,070,146.94, to be exact).

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Republicans Praise Trump; Trump Claims He Repealed Obamacare: A Closer Look

Seth takes a closer look at Republicans gleefully celebrating their tax plan and lavishing praise on President Trump.
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Obama Clearly Explains “Obamacare”

President Obama explains what the Affordable Care Act — aka, Obamacare — is.
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“I think that any time you’re implementing something big, there’s going to be people who are nervous and anxious about is it going to get done, until it’s actually done.
But let’s just step back for a second and make sure the American people understand what it is that we’re doing. The Affordable Care Act — Obamacare — has now been with us for three years. It’s gone through Supreme Court tests. It’s gone through efforts to repeal. A huge chunk of it has already been implemented. And for the 85 to 90 percent of Americans who already have health insurance, they’re already experiencing most of the benefits of the Affordable Care Act even if they don’t know it. Their insurance is more secure. Insurance companies can’t drop them for bad reasons. Their kids are able to stay on their health insurance until they’re 26 years old. They’re getting free preventive care.
So there are a whole host of benefits that, for the average American out there, for the 85 to 90 percent of Americans who already have health insurance, this thing has already happened. And their only impact is that their insurance is stronger, better, more secure than it was before. Full stop. That’s it. They don’t have to worry about anything else.
The implementation issues come in for those who don’t have health insurance — maybe because they have a preexisting condition and the only way they can get health insurance is to go out on the individual market, and they’re paying 50 percent or 100 percent more than those of us who are lucky enough to have group plans; people who are too poor to get health insurance and the employers don’t offer them. Maybe they work for a small business and this small business can’t afford right now to provide health insurance.
So all the implementation issues that are coming up are implementation issues related to that small group of people, 10 to 15 percent of Americans — now, it’s still 30 million Americans, but a relatively narrow group — who don’t have health insurance right now, or are on the individual market and are paying exorbitant amounts for coverage that isn’t that great.
And what we’re doing is we’re setting up a pool so that they can all pool together and get a better deal from insurance companies. And those who can’t afford it, we’re going to provide them with some subsidies. That’s it. I mean, that’s what’s left to implement, because the other stuff has been implemented and it’s working fine.
The challenge is that setting up a market-based system, basically an online marketplace where you can go on and sign up and figure out what kind of insurance you can afford and figuring out how to get the subsidies — that’s still a big, complicated piece of business. And when you’re doing it nationwide, relatively fast, and you’ve got half of Congress who is determined to try to block implementation and not adequately funding implementation, and then you’ve got a number of members of — or governors — Republican governors — who know that it’s bad politics for them to try to implement this effectively, and some even who have decided to implement it and then their Republican-controlled state legislatures say, don’t implement, and won’t pass enabling legislation — when you have that kind of situation, that makes it harder.
But having said all that, we’ve got a great team in place. We are pushing very hard to make sure that we’re hitting all the deadlines and the benchmarks.”


Republicans have one major problem on Obamacare

What Republicans and what Americans hate about Obamacare are different.

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Obamacare vs. Affordable Care Act #2

Back in 2013 we conducted an experiment on our show. We went out on the street and asked people which was better: Obamacare or the Affordable Care Act. Obamacare is of course just a nickname for the Affordable Care Act. They’re the same thing. So with all the attention now on this subject, we decided to ask this question again to see if Americans have learned anything over the last three years.

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Obamacare vs. Affordable Care Act #2


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