Cruz Proposal Reminds State Insurance Regulators of 'Junk Insurance — NYTimes

17 Juillet, 2017, 16:03 | Author: Claudine Rigal

Nothing for maternity care, mental health or medication?

"The new Cruz Amendment is a risky bait-and-switch that will lead to junk insurance plans that no American would want", Schumer said at a news conference accompanied by fellow upper- chamber Democrats Patty Murray (Wash.) and Ron Wyden (Ore.), shortly after a draft of the legislation was released.

One of the critical parts of the ACA was that it prohibits insurers from denying coverage to or charging more for people with pre-existing conditions.

It may sound good in theory - free markets and freedom of choice - and it's an idea that has always been popular with conservatives. Experts say that could weaken the regulations around preexisting conditions.

"Healthier people naturally gravitate toward these unregulated plans, which could offer them much lower premiums", said Edwin Park with the Center on Budget and Policy Priorities, a DC-based think tank. The result would be skyrocketing premiums for the higher-risk insureds, under-subsidized by healthy people. "Well, it does. For healthy people".

Ultimately, the starkly explicit letter warned, "This provision will lead to far fewer, if any, coverage options for consumers who purchase their plan in the individual market".

The CBO estimated the original bill would increase the number of uninsured Americans by 22 million by the end of 2026. Leaving aside myriad complexities of insurance markets, ideally it balances out. The benefit of such coverage depends on the chance of getting a specific disease or diseases covered by insurance policy.

Yet if the sick and the well are sorted - or sort themselves - into separate pools, the system can start to fall apart. Mark Kirk who's no longer in the Senate.

"It's just Insurance 101", Lueck said. The other bill we could support is the 2015 bill that actually repeals most of Obamacare, which was supported by every single Republican in the Senate conference except for Susan Collins and Sen.

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Those Americans would still be subject to a penalty if they didn't maintain continuous coverage. So long, that is, as they also offer at least one plan that does meet all of the ACA's mandates.

The Cruz amendment would go an extra step, potentially prodding millions of people with problems like diabetes or heart conditions to stay insured.

Conservatives have criticized the Cruz amendment as well.

The Congressional Budget Office is analyzing the Cruz/Lee amendment to see how it would affect coverage. Senate GOP leaders are hoping to vote on revised legislation next week. Those funds could be used to subsidize premiums for people with health problems.

The idea of minimal coverage was tried before the ACA became law, with little success. "It shouldn't be the government dictating what insurance you can buy". This would create an isolated group of consumers that would face higher and higher premiums and deductibles because of the concentration of those in need of expensive care. "It's adverse selection", she said. "They mostly price-shopped, and if a policy was only 50 bucks a month, they said, 'I can afford that'".

Whether that funding would be enough to make the plans affordable remains to be seen.

Cruz has fully embraced the narrower goal.

Prior to choosing a fixed-indemnity insurance plan, it's important you understand what such a health plan entails.



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