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If Obamacare dies, a Facebook post could cause you to lose your health insurance

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It's a scary thing, to hear something that’s been lurking over you for decades get a name.

My therapist used words like "depression" and "anxiety." Maybe some people take comfort in it. I didn't. I met those labels face-to-face, for the first time, and no weight lifted from my shoulders. But it was a start.

It's also evidence of a pre-existing condition. And if Obamacare's repealed, it's possible that people could be denied coverage for something like what I'm doing right now: Writing about their mental illness on websites and social media. That could include me, and millions of other Americans who've taken to the internet to give and take solace in the sharing of these intensely personal experiences. Read more...

More about Obamacare, Affordable Care Act, Anxiety, Depression, and Stigma Reported by Mashable 11 hours ago.

This Is Why Repealing Obamacare Looks So Much Uglier Than Passing It Did

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Watching President Donald Trump on Tuesday, as he arrived at the Capitol and prepared to rally House Republicans around replacing the Affordable Care Act, it was hard not think about a similar occasion almost exactly seven years ago: Former President Barack Obama went to Capitol Hill in March 2010 to urge House Democrats to pass the very legislation Republicans are now trying to wipe away.

But the differences are more striking than the similarities. They reveal a lot about which party is more serious about policymaking ― and which one actually cares about helping people get health care.

And now the question is whether those differences will determine the fate of House Republicans’ American Health Care Act.

Democrats Had Overcome Their Divisions

By the time Obama made that visit in 2010, the House and Senate had already passed their versions of health care reform. The Senate did so with a 60-vote supermajority, in order to overcome a Republican filibuster. Nancy Pelosi, the California Democrat who was speaker of the House at the time, hadn’t quite sold her caucus on voting for the Senate’s less generous, less progressive version. But she was close.

Democrats understood that moving forward had political peril. They had gotten a taste of electoral defeat that January, when a special election in Massachusetts put the late Democrat Edward Kennedy’s old seat in the hands of a Republican and set in motion the chain of events that led to that March vote on the House floor. But Democrats were also leading quite a large posse, including pretty much every organization that represented either the people who provide health care (like the American Medical Association and the American Hospital Association) or the people who most frequently consume it (like AARP and the American Heart Association). It had taken time to build that coalition, just as it took time to craft the legislation ― and to work through all tradeoffs of politics and policy. (When Obama was thinking through the complications, he’d twist an invisible Rubik’s cube in the air, Vox noted recently.) Working within parameters the Congressional Budget Office had set, Democrats ended up with a plan that, by the CBO’s reckoning, would expand coverage and reduce the deficit ― just as they’d always promised.

But perhaps most importantly, the Democratic Party, for all of its misgivings and internal ideological divisions, was largely united around its vision for reform. It had been since the beginning of the legislative effort. After more than a year of intense debate in Congress, the party was also resolute in its determination to finish the job ― to take a giant leap on a journey that had begun three-quarters of a century before, when Harry Truman launched the first formal effort at creating a national health insurance program.

And the leap worked, in large part. The ACA, or Obamacare, slashed the national uninsured rate to a historic low by expanding health care coverage to 20 million people who didn’t have it before. Some people are paying more for coverage than they were before, and plenty are unhappy with their insurance. But access to care has improved and financial distress from medical bills has declined, according to multiple studies.

At the same time, national health care spending growth slowed to an unprecedented rate. That may have been related to the ACA, but even if it wasn’t, it occurred during a time when an increasing number of Americans had health coverage and received medical care.

Republicans Are Divided ― And Increasingly Isolated

Trump and House Speaker Paul Ryan (R-Wis.) may yet succeed in their effort to undo most of that. But they faces challenges that reflect upon their preparation, their seriousness and, ultimately, their priorities.

Nearly all of the groups that supported the ACA oppose repealing it. And some of them, like hospitals and the AARP, are fighting hard to preserve the new guarantees of coverage ― even as conservative groups fight the measure because they think it doesn’t dial back the coverage expansion enough.

Amid this torrent of criticism, support for the measure and the president championing is falling. Polls now generally indicate that voters want Republicans to slow down ― and that the ACA, seven years into its existence, is finally becoming popular.

Most striking of all, the Republican Party is divided. One day before the planned House vote, factions within the party are still arguing over fundamental questions ― and if those divisions don’t stop the bill in the House, they are sure to cause major problems in the Senate. Sens. Ted Cruz (R-Texas) and Rand Paul (R-Ky.) can’t stand the idea of leaving any of the Obamacare edifice in place, while Sens. Bill Cassidy (R-La.), Susan Collins (R-Maine) and Lisa Murkowski (R-Alaska) are saying they won’t vote for anything with such significant coverage losses.

That’s a massive ideological gap to close, dwarfing anything Democrats had within their ranks in 2009 and 2010. Senate Majority Leader Mitch McConnell (R-Ky.) has indicated he wants to bring legislation from the House directly to the floor, and amend it there, next week. It looks an awful lot like an attempt to rush the process even more than the House did, perhaps in the hopes that McConnell can force his caucus into voting yes before anybody quite grasps the full implications of the proposed law. 


Obama could defend the core of his plan because he understood it and quite obviously believed in it. Knowledge meant power and control.

Ryan, among others, keeps suggesting that Trump will make it all happen. But Obama could successfully rally Democrats partly because he had been engaged on the issue, directly and substantively, throughout his presidency. In early 2010, when the bill was in its greatest political peril, Obama famously held forth on the plan details ― jousting with Republicans at a January 2010 party retreat in Baltimore and then in a February marathon bipartisan open meeting at Blair House, near the White House.

In the late stages of a legislative fight, rallying votes is more about politics than policy ― and, for sure, the Obama administration made plenty of quiet deals to keep wavering Democrats in the fold. But Obama could defend the core of his plan because he understood it and quite obviously believed in it. Knowledge meant power and control.

Trump has given no indication he has similarly strong feelings about the House bill ― or that he even understands it at more than a superficial level. He has said he wants the win, which is what he always wants. But the president repeatedly has made it clear that he’s not picky about what the win actually achieves, only that he wants it to somehow mean the end of Obamacare.

Republican Policies Don’t Back Up Republican Promises

In the absence of a deep substantive commitment to the details of the bill, the fallback rationale for passing it ― not just from the White House, but from other GOP leaders as well ― is that Republicans have to act because they promised to do so.

And it’s true. That is what Republicans have been promising for seven years.

But the GOP’s reverence for promises turns out to be curiously selective in this case, because Republicans also promised to “replace” the ACA. And they didn’t have just any old replacement in mind.

Over the years, Republicans attacked Obamacare for sticking people with high deductibles and premiums they could not afford. They promised to deliver better coverage ― offering the same Obamacare goodies, like protection for people with pre-existing conditions, without the unpleasant stuff like the individual mandate.

Trump was the most audacious of all, repeatedly saying thinks like “everybody’s got to be covered” and, during the transition, assuring a Washington Post interviewer that he wanted “insurance for everybody.” Polling and interviews have made it clear that many people, including a lot of Trump voters, took the promise seriously. If they didn’t truly expect everybody to be covered, they at least expected everybody’s coverage to be better.

This is not a promise he or the Republicans are going to keep. If there were any lingering doubt about that, it vanished a week ago when the CBO issued its official analysis, predicting 14 million newly uninsured Americans within a year and 24 million within a decade. Republicans have told critics, and perhaps they have told themselves, that the estimate is wrong. But as Sen. Lindsey Graham (R-S.C.) pointed out at the time, even if the projection is off by a factor of two, that would still mean 12 million people losing coverage.

Republicans insist that their plan would reduce premiums, citing the same CBO report they disparage. The part of the story Republicans don’t tell is why the CBO thinks premiums would go down. It would predominantly be because older and sicker people drop increasingly pricey coverage, and because the market would gravitate toward less generous plans ― in other words, plans with even higher deductibles than the ones Republicans have been criticizing all these years. Were the Republican plan to become law, deductibles for the typical plan would rise by 60 percent to $4,100, according to a Henry J. Kaiser Family Foundation analysis that appeared in Axios. 

If the bill ends up gutting insurance regulations more, as conservative members have urged House leadership to do, it would mean still lower premiums but still higher out-of-pocket costs, along with gaps in coverage for services like mental health and maternity care.There is, of course, one policy promise that Republicans take seriously, and its centrality to the repeal crusade becomes increasingly apparent as the debate goes on: the vow to roll back Obamacare’s taxes, particularly new payroll tax “surcharges” that fall exclusively on the wealthy. This is a straight-up, one-to-one transfer of money from low- and middle-class people (who lose health insurance) to the wealthy (who get a tax cut).

Another new analysis, which the Urban Institute published Wednesday, looked at all the changes in federal revenue and spending ― the lower taxes on wealthy Americans, the loss of Medicaid and financial assistance for the poor and middle class. It found that households with incomes below 200 percent of the poverty line (about $49,000 per year for a family of four) would see net losses of income, while households with incomes above 300 percent of the poverty line (about $73,000 for a family of four) would see net gains. And families with incomes of six times the poverty line, or about $146,000 a year for a family of four, would see the greatest gains of all. It is an almost perfect inversion of Obamacare, not that anybody should be surprised. Republicans spent seven years attacking the health care law and pretending they had a better way to protect the poor and the sick, even as they called for policy changes that would expose both groups to crippling medical costs. Writing legislation has revealed that contradiction once and for all. Republicans still have the votes to pass repeal. But if they do, they will be delivering something very different than they promised.
-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 10 hours ago.

Proposed Poquoson school budget requests $195,000 more from city

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The proposed Poquoson City Public Schools budget requests $195,000 more from the city to cover costs for teacher raises and more expensive health insurance.

Superintendent Jennifer Parish presented the proposed budget for the fiscal year that begins July 1 at a Tuesday evening School Board meeting... Reported by dailypress.com 9 hours ago.

GOP health care bill would send California’s costs skyrocketing

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SACRAMENTO — The Republican-backed bill that would overhaul the Affordable Care Act would shift billions of dollars in health care costs from the federal government to states, with California on the hook for $6 billion in 2020 and growing to $24.3 billion by 2027, according to an analysis released Wednesday by Gov. Jerry Brown’s administration. Nearly 14 million Californians, one in three adults and half the state’s children, are covered by Medi-Cal, the state’s version of the federal Medicaid program. “This raises a lot of questions about how we would finance the Medicaid program in general going forward,” Mari Cantwell, state Medicaid director with the California Department of Health Care Services said Wednesday. Health care advocates fear the bill, which is scheduled to be voted on in the House on Thursday, would lead to devastating cuts to the program, hurting the state’s poor and the broader insurance market. The state’s analysis on the impact of the bill was shared with the California delegation of lawmakers in Washington, D.C. In a letter the governor sent to McCarthy in January, Brown said the Affordable Care Act led to 5 million more Californians having health insurance and the state’s uninsured rate dropping from 17.2 percent in 2013 to a historic low of 7.4 percent in 2016. Since Medicaid was created 50 years ago, funding for the program has been uncapped so that anyone who needed coverage received it. Beginning in 2020, the bill would reduce federal funding by an estimated $400 million for In-Home Supportive Services, which pays for a caregiver to assist elderly and disabled residents in their homes, which for many avoids placement in costlier nursing homes. “The state’s analysis confirms that the American Health Care Act will devastate the health care safety-net and that it is not a viable replacement for the ACA,” said Carmela Castellano-Garcia, president of CaliforniaHealth+ Advocates, which advocates for community health centers. President Trump and Congress are forcing low-income communities to foot the bill for their cost-cutting measures and eliminating health care coverage for millions of Californians. Reported by SFGate 9 hours ago.

Hampton City Schools switching health insurance providers in fiscal year 2018

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Hampton City Schools is switching health care providers for employees next school year, an estimated savings of about $600,000 that will go toward providing raises in the proposed fiscal year 2018 budget.

Coverage will switch to Cigna from Anthem, a change that should have minimal service interruptions... Reported by dailypress.com 8 hours ago.

Mental Health, Maternity Care Guarantees In Jeopardy As GOP Wrangles For Votes

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Someone with bipolar disease might have no way to pay for a psychiatrist to monitor his condition.

A couple might have to fork over $15,000 to have a baby.

These are just two of the possible consequences of a deal now under discussion in the U.S. House as Republican leaders working with the Trump administration try furiously to round up the votes they need to win approval for their bill to repeal the Affordable Care Act.

Several media outlets, including The Huffington Post, reported Wednesday night that negotiations between GOP leaders and the party’s conservative wing were focusing on changing a series of key insurance rules that Obamacare had put in place.

These rules were part of the law’s efforts to upgrade coverage for people buying insurance on their own ― to make sure that every policy covered all standard forms of medical care. Before Obamacare, plans frequently left out whole classes of services or covered some incompletely, so that people with any number of serious medical conditions could end up paying to treat them mostly or completely out of their own pockets ― in some cases, rendering their coverage essentially worthless.

The Affordable Care Act’s rules sought to put an end to that and to bolster insurance in other ways by, for example, setting limits on out-of-pocket costs. But, in so doing, they also drove up insurance premiums because the rules meant that insurers were having to cover medical bills they could previously have avoided.

For that reason, Republicans have long called for weakening or eliminating the rules, leaving discretion to the states, as it was before. This is part of what leaders like House Speaker Paul Ryan (R-Wis.) mean when they say they want to eliminate costly mandates in order to lower premiums ― and to let people choose the policies they want rather than the policies Washington wants for them.

But when GOP leaders wrote the American Health Care Act, the bill that House leaders hope to bring to a full floor vote on Thursday, they mostly left the insurance regulations alone.

The Republican leaders did so because they are trying to pass the measure through the budget reconciliation process, in which Republicans wouldn’t need the 60 votes necessary to overcome a Republican filibuster ― but in which parliamentary rules forbid provisions that don’t have a direct and meaningful effect on the federal budget. The prevailing assumption has been that the Senate parliamentarian, who interprets those rules, would decide that the insurance rules were extraneous and not allowed ― potentially complicating efforts to pass the bill with a simple majority.

But conservative Republicans saw things differently and were furious that the bill left so many regulations intact. On Wednesday, the conservative House Freedom Caucus announced that it had 27 members prepared to vote no on the bill ― with the presence of those regulations a major sticking point.

By Wednesday night, the White House and House GOP leaders had signaled they were ready to make some kind of deal, perhaps on the theory that there was no harm in testing to see whether the regulatory changes could go through the Senate.

Exactly what that deal might entail, or whether it was a done deal, was unclear as of late Wednesday ― even though House GOP leaders said they remained committed to holding a vote Thursday, which suggests they might literally be rewriting passages as the debate begins. But the gist of what conservatives want, and what leaders are thinking about giving them, is clear enough.

For some time conservatives have zeroed in on those benefit requirements ― in particular a set of 10 “essential benefits” that all plans must include.

TEN ESSENTIAL BENEFITS

Ambulatory patient services

Emergency services

Hospitalization

Maternity and newborn care

Mental health and substance use disorder services, including behavioral health treatment

Prescription drugs

Rehabilitative and habilitative services and devices

Laboratory services

Preventive and wellness services and chronic disease management

Pediatric services, including oral and vision care


Prior to the Affordable Care Act, in states that didn’t impose mandates of their own, some insurers omitted prescription coverage or at least limited the scope of the benefit. And coverage for three services in particular ― mental health, maternity and habilitative services (such as physical therapy) ― was hard to find, as a recent paper from Milliman noted.

If the AHCA became law and the essential benefit mandates went away, it’s safe to assume those three would be the first benefits insurers would drop. That might reduce premiums, but only a little bit ― mostly because the big money is in benefits like hospitalization that policies traditionally covered even before the new regulations were in place. 

Republicans like to present the elimination of benefit mandates as allowing more choice, but this is yet another example in which removing rules could ultimately limit choice. That’s because of the predictably perverse dynamics of health insurance markets, in which no insurer wants to be the only one offering a benefit that attracts people with a serious medical condition.

Ironically, this problem could be even worse under repeal, because Republicans have said they would keep in place some form of guaranteed coverage for people with pre-existing conditions. Unable to avoid insuring those people, insurers would be more likely to skew their benefits in a way that would make their policies less attractive to people with expensive-to-treat medical conditions.

“Coverage would likely be even worse than the pre-ACA market because insurers used to be able to screen out people who were sick,” Larry Levitt, senior vice president at the Henry J. Kaiser Family Foundation, told The Huffington Post. “No insurer will want to be the one in the market with the benefits attractive to sick people, so there would be a race to the bottom.”

If these changes went through, the one bulwark against an erosion of benefits would be state governments, which presumably would have power to set their own benefits. But, as a recent Commonwealth Fund report warned, “the likely result is that many consumers with illness or injury will once again bear the financial risk under policies that purport to provide full coverage but in reality offer much less.”

Of course, it’s possible that House leadership will decide against meddling with the essential benefits, or that they will focus instead on other insurance regulations or that they will include the changes only to have the Senate parliamentarian reject them. (And at that point, in theory, Senate leaders could fire the parliamentarian.)

Another possibility is that loosening insurance regulations could set off a chain of events that would cause the price tag for the entire Republican proposal to grow. Yes, that’s right: This could make the Republican bill more costly to the Treasury. That could trigger a different sort of objection from the parliamentarian. (Jim Newell, from Slate, has the explanation.)

But whatever the outcome of the negotiations and the House vote, whenever it takes place, the desire to gut essential benefits and other insurance requirements actually says a lot about the very different ways Democrats and Republicans think about health insurance.

Democrats added these rules in order to protect people with certain medical needs, by spreading the financial responsibility for them as broadly as possible ― even though that meant slightly higher premiums for everybody. Republicans want to reverse that, so that premiums for everybody come down a little but costs for the people who actually need medical care go way, way up.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 4 hours ago.

GOP Rep. Thomas Massie Says Trump Could Be A 'One-Term President' If Health Care Bill Passes

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.@RepThomasMassie: GOP fears Trump a "one-term president" if health care bill passes, adds "we're tying to save him" https://t.co/gK2T7hl3Me

— OutFrontCNN (@OutFrontCNN) March 22, 2017


A Republican lawmaker says he is trying to save President Donald Trump by voting against the White House-backed health care bill.

“We’re afraid he’s a one-term president if this passes,” Rep. Thomas Massie (R-Ky.) told CNN’s Kate Bolduan. “We are trying to save him.”

Massie also made headlines on Wednesday for changing his vote on the American Health Care Act from “no” to “hell no.” 


Sorry if I let you down. I'm changing my vote on #AHCA pic.twitter.com/JLUotqaO9L

— Thomas Massie (@RepThomasMassie) March 22, 2017


Earlier this week, Massie said he had received 275 phone calls from constituents who were against the bill, and only four who called to support it. 

“Electorally, voting for this is bad today,” he said on CNN. “And it’s going to be really bad in two or three years when the changes start kicking in and health insurance prices start going through the roof.”

The bill has been the subject of last-minute negotiations in an effort to appease conservatives, but Massie predicted it would be defeated if it was brought to the floor for a vote on Thursday.

“After this bill goes down tomorrow, we can go back to the drawing board and they can bring conservatives to the table instead of just trying to break their kneecaps and twist their arms after the bill is written,” he told CNN. “And then we can all take the credit for a good bill.”

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 3 hours ago.

Obama health law's 'essential benefits' may be in jeopardy

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WASHINGTON (AP) — Scrambling to nail down votes for the health care overhaul legislation, Republicans are considering ways to ease federal requirements that insurers cover such basic services as prescription drugs, maternity care and substance abuse treatment. [...] the ACA requirement had not been considered a budgetary issue. The ACA's "essential benefits" include outpatient care, emergency services, hospitalization, pregnancy, maternity and newborn care, mental health and substance abuse treatment, prescription drugs, rehabilitation, laboratory and diagnostic tests, preventive and wellness services, and pediatric care, including dental and vision services for kids. In a letter to congressional leaders early this year, organizations representing nearly 400,000 doctors said "all health insurance products should be required to cover evidence-based essential benefits" in any new health care legislation. Reported by SeattlePI.com 2 hours ago.

The Next Progressive Health Agenda

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Erik McGregor/Sipa via AP Images

Health-care justice advocates and other grassroots groups gather outside Trump Tower to protest against President Trump's pledge to repeal the Affordable Care Act. 

This is the second part of a two-part article. Part I is here. The full version appears in the Spring 2017 issue of The American Prospect under the title: “The Republican Health-Care Unraveling: Resist Now, Rebound Later.” This is the “rebound” part. Subscribe here to the magazine.

Even as they resist the Republican rollback of the ACA and Medicaid, Democrats should be thinking about new initiatives in health care. No doubt the next steps will depend in part on what Trump and the Republicans end up doing. In the wake of federal legislation, many of the critical decisions in the short run may move to the states. But Democrats cannot limit themselves to defensive efforts to salvage the ACA at either the federal or the state level. They need to think about a more attractive national agenda in health care that reflects the lessons of the ACA and new political realities.

The coming national Democratic debate is going to focus on extending Medicare—to whom, how quickly, and under what rules will be the questions. The strategy for universal coverage in the ACA relied on the extension of Medicaid for the poor, but the limitations of that approach should now be clear. In its 2012 health-care ruling, the Supreme Court effectively made it impossible to use Medicaid as a foundation for universal coverage. As a mixed federal-state program, Medicaid affords states the opportunity to limit coverage, and the ACA experience has shown how far red states will go in doing that. Republicans may also succeed in eliminating Medicaid’s status as an entitlement, which will be hard to restore.

As a national program with deeper public support as an entitlement and no role for the states, Medicare does not suffer from these problems. When Medicare was enacted in 1965, its backers hoped to use it to cover other groups besides seniors, and in 1972 Congress did extend it to the disabled and patients with end-stage renal disease. (The disabled become eligible for Medicare two years after they qualify for federal disability insurance, a delay that leaves many people with high costs in the individual market.) But the expansion of Medicare then stopped, and in the 1980s Democrats in Congress obtained Republican support for incremental expansions of Medicaid to cover low-income pregnant women and young children. This was the path that led to the ACA’s further Medicaid expansion, a strategy that the Supreme Court and Republicans have now brought to an end.

Many people will equate an expansion of Medicare with a “single-payer” plan. But even Medicare-for-all would not be a single-payer system since about one-third of current Medicare beneficiaries use the program to buy coverage in a private Medicare plan. Medicare today is a marketplace—but a marketplace with a dominant public plan and not just a “public option,” which might turn out, if badly designed and established separately from Medicare, to be a relatively small and weak player in the market.

Medicare-for-all faces two enormous obstacles. Moving everyone under age 65 into Medicare would require a huge increase in taxes; employees who now receive health care as a fringe benefit would inevitably look at those taxes as an additional burden, even if reformers try to assure them that their wages would rise once health care was financed by taxes.

Moreover, many seniors insist that Medicare is their program, and they fear—or can be made to fear—that extending the program to others will jeopardize their coverage. They also see Medicare as an earned benefit, and many of them resist extending it to people who they believe haven’t earned it.

But there is a way forward: create a new part of Medicare for the older population below age 65—the older population who have also earned Medicare coverage by paying taxes and who are directly threatened by current Republican legislation. My name for this new program is “Midlife Medicare,” which would be open to people age 50 to 64 not otherwise insured (for example, by an employer). Seniors would be more likely to accept this extension than any other; for one thing, AARP welcomes as members all Americans 50 years of age and older. Earlier versions of this idea have been referred to as a “Medicare buy-in”; I have in mind a program that would be partly financed by taxes and that would automatically provide a basic level of coverage (no mandate needed), which those in midlife could increase by paying income-related premiums (as seniors do now).

Midlife Medicare would have advantages for both its beneficiaries and those age 49 and below remaining in the individual insurance market. The enrollees in Midlife Medicare would benefit from the countervailing power that Medicare exercises. Medicare pays provider rates that are substantially below those paid by private insurers in the non-Medicare market, yet providers accept Medicare patients, who consequently do not face the “narrow networks” in most plans in the individual and small-group markets. Americans who continue to have employer coverage will have the assurance that if they need to retire early, they will have health insurance as good as they would now get at age 65. Midlife Medicare is also a response to the rising death rates and declining health that economists Anne Case and Angus Deaton have demonstrated among non-Hispanic whites in midlife.

Moreover, by pulling the 50- to 64-year-olds out of the individual insurance pool covering people 49 years of age and under, Midlife Medicare would make coverage for the younger population substantially cheaper. The younger enrollees in the individual market would, in effect, no longer be shouldering part of the cost of the more expensive 50- and 60-year-olds. This is a much better way to reduce rates for 20-year-olds than the Republicans’ proposal to let insurers charge 60-year-olds five times as much as young adults.

An additional step to relieve the burden on the individual market would be to eliminate the two-year delay in the eligibility of the disabled for the existing Medicare program. Combining this step with Midlife Medicare and a strong reinsurance program would stabilize and make coverage in the individual insurance market significantly less expensive. With these measures in place, the system could be more or less workable even if Republicans eliminate the individual mandate in favor of a 30 percent premium surcharge on individuals who fail to maintain continuous coverage (as the Ryan bill would do). Although I don’t think that would be a good thing to do, I also don’t think Democrats want to focus their next health agenda on restoring the individual mandate.

Formulating a new health-care agenda requires acknowledging that although the ACA has done much good, it has not worked out as well as its supporters originally hoped. The Supreme Court and the red states have limited how far the strategy could go in achieving health care for all. High deductibles and narrow networks have meant that many people are unhappy with the coverage they are receiving. Trump and the Republicans cynically played on public dissatisfactions, suggesting they would provide something better when, in fact, their alternatives would intensify the problems Americans face. We need to move in a more promising direction that takes into account the difficulties that progressive reform has long faced in health care. Midlife Medicare could be a big next step toward a system that works better for everyone. Reported by The American Prospect 51 minutes ago.

Mick Mulvaney: Trickle Downer of the Week

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(AP/Andrew Harnik)

Budget Director Mick Mulvaney speaks about President Donald Trump's budget proposal for the coming fiscal year during a daily press briefing at the White House. 

Everyone knew that Mick Mulvaney, Trump’s director of the Office of Management and Budget, is a Tea Party darling and notorious budget deficit hawk. But in recent days, he’s exceeded expectations and proven himself to be one of the most radical members of the cabinet (and given this cabinet, that’s no small achievement). As he works to sell Trump’s draconian budget cuts and regulatory rollbacks, he’s pushing the limits of just how callous and illogical a politician can be in service of advancing trickle-down economics.

He made a lot of hay last week in a press conference on Trump’s “skinny budget” proposal that calls for deep cuts to social service programs while bolstering military spending. Mulvaney justified proposed cuts to federal programs that provide food after school to low-income kids by saying there is “no demonstrable evidence” that they improve school performance. Responding to a question about cuts to the Meals on Wheels program that delivers food to senior citizens, Mulvaney said, “Meals on Wheels sounds great” but “we’re not going to spend [money] on programs that cannot show that they actually deliver promises that we’ve made to people.” He said that gutting domestic spending in favor of defense spending “is one of the most compassionate things we can do.”

As he explained on Morning Joe last Thursday, the White House’s approach is completely rational. “When you start looking at places that we reduce spending, one of the questions we asked was, can we really continue to ask a coal miner in West Virginia or a single mom in Detroit to pay for these programs? The answer was no. We can ask them to pay for defense, and we will, but we can’t ask them to continue to pay for the Corporation for Public Broadcasting.”

This rationale, though, is completely ludicrous. Not only does the United States spend more on its military than any other country (by a long shot), but Trump’s proposed budget cuts take direct aim at the very people Mulvaney purports to have in mind.

As Eric Levitz wrote for New York magazine:

Trump’s proposal cuts many programs that are more intuitively valuable to coal miners in West Virginia—and single mothers in Detroit—than a 10 percent increase in defense spending. The president’s budget cuts funding for early-childhood education, public housing, transit, food assistance, and job training—all programs that disproportionately benefit single mothers in cities with low median incomes. And it also abolishes the Appalachian Regional Commission and Rural Business-Cooperative Service, while shrinking the Labor Department—all moves that disadvantage coal miners.

Mulvaney hasn’t retreated, even after being widely lambasted for his cruelty-masquerading-as-budget-wonkery.

Talking on Face the Nation this past Sunday, Trump’s budget chief defended the Republican health-care plan that is projected to boot 24 million people off health insurance by lamenting that universal coverage is only attainable through authoritarian means. He claimed that “The only way to get truly universal care is to throw people in jail if they don’t have it.”

On Meet the Press, Mulvaney promised that Trump will soon unveil a plan to eliminate budget deficits within a decade—and implied that, to do so, the White House will go after mandatory spending programs, which would theoretically include Social Security and Medicare. "It is a very complicated budget process when your entitlements, your mandatory spending is driving most of your budget deficit," he said. "So over the course of the next decade, we'll have to look at the mandatory spending side in order to figure out a way to make changes to the way we spend money."

The one thing Mulvaney hasn’t mentioned is that the severe budget cuts to relieve coal miners and single mothers of burdensome programs like PBS are a pretty clear attempt not only to dramatically reduce the federal government’s footprint on American society, but also to secure huge tax cuts for the rich and corporate America.

As it stands now, Trump’s tax plan is a massive giveaway to the top one percent of taxpayers, who would see a 14.1 percent after-tax gain in income. About 51 percent of the total tax cuts would go to the wealthy, while the bottom 60 percent of taxpayers—those who’d be impacted most by domestic spending cuts—would see less than 10 percent of the cuts. Meanwhile, the Republicans’ repeal of Obamacare would also deliver major tax cuts to the ultra-rich while increasing healthcare costs and taking away coverage for tens of millions of Americans.

What’s particularly brazen about Mulvaney is just how far he’s willing to go to try to establish a sense of morality for an intrinsically immoral ideology. For that, Mick Mulvaney is our Trickle Downer of the Week. 

Tax Cuts for the rich. Deregulation for the powerful. Wage suppression for everyone else. These are the tenets of trickle-down economics, the conservatives’ age-old strategy for advantaging the interests of the rich and powerful over those of the middle class and poor. The articles in Trickle-Downers are devoted, first, to exposing and refuting these lies, but equally, to reminding Americans that these claims aren’t made because they are true. Rather, they are made because they are the most effective way elites have found to bully, confuse and intimidate middle- and working-class voters. Trickle-down claims are not real economics. They are negotiating strategies. Here at the Prospect, we hope to help you win that negotiation. Reported by The American Prospect 51 minutes ago.

The Cosmological and Temporal Implications of the GOP Tax Cut in the AHCA

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AP Photo/Andrew Harnik

House Speaker Paul Ryan calls on a member of the media during a news conference following a GOP party conference at the Capitol. 

We fail to appreciate the depth of thought that has gone into House Speaker Paul Ryan’s bill repealing and replacing the Affordable Care Act, which may be brought to a vote today if there are enough Republican votes to pass it.

Well, not the original, pre-amendment bill, which would reduce the number of Americans with health insurance by 24 million and cut taxes on the wealthiest Americans by nearly half-a-trillion dollars over the next decade.

No, what’s elevated the bill to the forefront of contemporary physics is an amendment pushed by House Ways and Means Committee Chairman Kevin Brady, a Texas Republican. Ryan’s original legislation repealed the 3.8 percent tax that Obamacare imposed on capital gains, dividend and interest income for individuals with annual incomes of $200,00 or higher, or families with annual incomes of $250,000 or more, which Obamacare’s authors put into the legislation to help fund the ACA subsidies and Medicaid expansion. In the original Ryan bill, the repeal of this tax was to take place in 2018. As now augmented by Brady’s amendment, the bill makes that tax cut retroactive to January 1 of this year—taking effect, that is, nearly three months ago.

Why the rush to repeal? As The Wall Street Journal reported, Republicans “say the 2017 repeal date would encourage investors to avoid waiting to make decisions. Without the change, some people would sit on unrealized gains for months as they wait for the capital-gains rate to go lower.” (Later this year, a Republican bill to lower the capital gains tax rate even further will come before Congress.)

Before we get to the more intellectually challenging issue of how a tax cut announced in March can increase investment during the preceding January and February, let us devote just one paragraph (this one) to the more prosaic general idea that lowering the capital gains tax rate increases investment and jobs at all. In brief, it no longer does, if it ever did. As University of Chicago economist Simcha Barkai recently demonstrated, since 1984 the share of corporate revenues going both to wages and capital investment has declined by more than 6 percent apiece, while the share going to un-reinvested profit—chiefly, to share buybacks and dividends—has increased by more than 13 percent. In today’s America, it turns out, tax cuts on investment income don’t reward investors for creating jobs—they actually reward them even though investors' demands for payouts now come at the expense of jobs and corporations’ capacity to create them.

But I digress. Where the Brady-backed amendment enters the realm of high and speculative physics is in its treatment of time. By moving the date of the Ryan bill’s repeal of the ACA investment tax to three months ago, and by arguing that this will “encourage investors” to go ahead and invest, the Brady amendment can mean one of only two things. The first is that the argument for it is deceptive. That’s because the stated raison d’etre for the cut, namely to increase investment, cannot be achieved retroactively. Any reduction in taxes on income derived from investments during 2017’s first 91 days—the number of days between the time the tax cut would take effect and the first day it became public knowledge—cannot possibly be said to have increased investment during those 91 days. Making the tax cut retroactive, under this interpretation, is simply a give-away to the rich that cannot possibly increase investment over a time period that’s already come and gone. But it sure as hell can make wealthy investors cuddle up even more lovingly with Brady, Ryan and their peers when Republicans come knocking for more campaign contributions.

But not wishing to think ill of our elected representatives, we are compelled to consider the alternative explanation of making this tax cut retroactive—one in which retroactivity will, indeed, create higher rates of investment during the past several months and simultaneously preserve the honor of Brady, Ryan, et al. This second explanation is simply this: Under the AHCA, as now amended, time moves backward.

Improbable, you say? Impossible? That’s not what leading physicists think. “Whether through Newton’s gravitation, Maxwell’s electrodynamics, Einstein’s special and general relativity or quantum mechanics, all the equations that best describe our universe work perfectly if time flows forward or backward,” Scientific American’s physics editor Lee Billings has written.

And work by physicists from Oxford, the University of New Brunswick, and the Perimeter Institute for Theoretical Physics, published in Physical Review Letters, (which, for all we know, Brady and Ryan read avidly) posits a “mirror universe” to ours, where time does indeed move backward. In an interview with Quartz, one of the paper’s authors argued “that for any confined system of particles—a self-contained universe such as our own, for example—gravity will create a point when the distance between particles is minimal. When the particles then expand outwards, they do so in two different temporal directions. Oxford physicist Julian Barbour and his colleagues created a simplified 1,000 particle point model of the universe showing this dual expansion, with gravity creating structure in both directions.”  

“Time is not something that pre-exists,” Barbour said. “The direction and flow of time we have to deduce from what’s happening in the universe. When we look at it that way, it’s natural to say that time begins at that central point and flows away in opposite directions.”

Or, as Barbour and his colleagues put it in the summation to their Physical Review Letters article:

It is widely believed that special initial conditions must be imposed on any time-symmetric law if its solutions are to exhibit behavior of any kind that defines an “arrow of time.” We show that this is not so. The simplest nontrivial time-symmetric law that can be used to model a dynamically closed universe is the Newtonian N-body problem with vanishing total energy and angular momentum. Because of special properties of this system (likely to be shared by any law of the Universe), its typical solutions all divide at a uniquely defined point into two halves. In each, a well-defined measure of shape complexity fluctuates but grows irreversibly between rising bounds from that point. Structures that store dynamical information are created as the complexity grows and act as “records.” Each solution can be viewed as having a single past and two distinct futures emerging from it. Any internal observer must be in one half of the solution and will only be aware of the records of one branch and deduce a unique past and future direction from inspection of the available records.

Anyone reading the amended AHCA must surely see the influence of this time flexibility looming large over Ryan’s and Brady’s thinking. It clearly illuminates how amending the bill in mid-March can actually increase investment during the preceding January and February, and pleasantly dispels any notion that the authors are simply pandering to rich campaign contributors by conferring still-greater riches upon them.   Reported by The American Prospect 15 hours ago.

AtlasMD building reputation for lowering costs

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Mick Lowderman couldn’t afford to offer health insurance for his employees at Go Green Pest Control Services Inc. But he knew something had to give when a person who had been with the company for three years left the organization for a lesser-paying job at another business that offered health insurance benefits. So Lowderman looked for options and discovered Dr. Josh Umbehr’s AtlasMD, a membership-based health care business that allows patients to bypass the insurance requirements often associated… Reported by bizjournals 18 hours ago.

GOP Health Bill Changes Could Kill Protections For People With Preexisting Conditions

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House Republicans are considering a deal that would remove the requirement that health insurance plans cover 10 essential health benefits, hoping to secure the votes of conservative lawmakers. Reported by NPR 18 hours ago.

A look at US healthcare spending as Obamacare repeal looms

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U.S. President Donald Trump and fellow Republicans in the House of Representatives have proposed a healthcare law to kick off their promise to repeal and replace Obamacare. Following are some questions and answers about healthcare spending and health insurance coverage in the United States as Republ... Reported by Raw Story 15 hours ago.

Hardline conservatives are demanding 'Trumpcare' repeal the most popular parts of Obamacare, and it might sink the bill

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Hardline conservatives are demanding 'Trumpcare' repeal the most popular parts of Obamacare, and it might sink the bill As Republicans near a vote in the House of Representatives on their healthcare bill, some hardline conservatives are driving a hard bargain that may sink the legislation.

The House Freedom Caucus, a group of very conservative House lawmakers, reportedly is demanding that the American Health Care Act strip key, popular provisions of Obamacare — officially known as the Affordable Care Act.

On Wednesday night, reports said that President Donald Trump and the White House had conceded to the Freedom Caucus that they would change the bill to strip out the ACA's essential health benefits. This was a provision that forced insurers to cover a baseline of care.

These changes were not enough for some members of the Freedom Caucus, according to reports. Rep. Jim Jordan of Ohio, a prominent member of the Freedom Caucus, told reporters that essential health benefit repeal was not enough and "it's always been beyond that."

The freedom Caucus has reportedly asked for a repeal of some "Title 1 provisions" in the ACA. These provisions do things like prevent insurers from denying coverage based on a pre-existing condition, allow children to stay on their parents insurance until they turn 26 years old, and annual limits on healthcare costs.

The only problem is that many of these Title 1 provisions are the most popular parts of the law.

On Wednesday, a Harvard Harris Poll found that 90% of people surveyed supported the pre-existing conditions provision. 80% supported the provision allowing children to stay on their parent's health insurance until age 26.

In terms of the essential health benefits, a poll in December 2016 by the nonpartisan health policy think tank The Kaiser Family Foundation found that 83% of those surveyed supported the provision to eliminate out-of-pocket costs for preventative services.

Trump promised on the campaign trail to keep these provisions intact and now appears to be balking at the request from hardline conservatives. According to Bloomberg, the White House refused the Freedom Caucus' demands for Title 1 provision repeals at the meeting on Wednesday.

The fear is also that more moderate Republicans may drop their support of the AHCA if these elements are repealed. On the other hand, the GOP risks the Freedom Caucus uniformly voting against the bill, which would be enough to block its passage.

Trump was meeting with Freedom Caucus leaders at the White House to smooth over these details and get the needed support for the bill as of the 12:25 p.m. ET.

*SEE ALSO: The final countdown for 'Trumpcare'*

Join the conversation about this story »

NOW WATCH: This is how impeachment works — and what a president would have to do to be impeached Reported by Business Insider 16 hours ago.

Basic-Services Requirement Is at Heart of Health-Insurance Split

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At the heart of the last-minute negotiations over the House GOP health-care bill is the Obamacare requirement that most insurance policies cover a basic set of health services, including maternity and mental-health care. Reported by Wall Street Journal 16 hours ago.

State report: American Health Care Act would cost California $24.3 billion by 2027

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The plan being touted by President Trump and congressional Republicans as a replacement to the Affordable Care Act would cost California more than $24 billion by 2027, a new report released this week says. It would also threaten the health insurance of millions and cut federal funding for in-home support services, according to an analysis released Wednesday by the California Department of Health Care Services. The analysis was released as congressional leaders reportedly planned a vote Thursday… Reported by bizjournals 16 hours ago.

Remember the good old days when you couldn't get insurance with a preexisting condition? They're probably coming back

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Raise your hand if you want to go back to the days when you couldn’t get health insurance because you’d been sick or injured.

That’s one of the galling possibilities raised by the evolving version of the American Health Care Act, the House GOP leadership’s plan to repeal and replace Obamacare.... Reported by L.A. Times 13 hours ago.

Room Full Of Men Decides Fate Of Maternity Coverage

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President Donald Trump and Vice President Mike Pence met with a group of conservative male lawmakers to determine the fate of maternity coverage in health care plans Thursday.

Members of the House Freedom Caucus, which is composed of all men, went to the White House to talk with the president about what changes they’d like to see to the GOP health care bill. One of the major adjustments would be no longer requiring insurance companies to offer maternity care in all health plans.

Pence proudly tweeted a photo of the meeting, which didn’t feature a single woman (although White House counselor Kellyanne Conway was reportedly there): 


Appreciated joining @POTUS for meeting with the Freedom Caucus again today. This is it. #PassTheBill pic.twitter.com/XG6lQIy5a6

— Vice President Pence (@VP) March 23, 2017


The Affordable Care Act created a list of 10 essential health benefits that all health insurance plans must cover. Pregnancy, newborn and maternity care are on that list. 

Before the Affordable Care Act became law in 2010, the insurance market was a bleak place for women. They often had to pay more than men for the same coverage. Only 12 percent of individual market plans covered maternity care. And it was completely legal for insurance companies to refuse coverage to women who were pregnant or might become pregnant in the future.

But many Republicans argue that this pre-2010 system was better, because men shouldn’t have to pay for things like maternity care. Republicans argue that premiums will go down if people can shop around more for a la carte services. 

Experts worry that if insurance companies are given the option of offering expensive services like maternity care, it will become a race to the bottom where that coverage, once again, becomes scarce.
But there were few, if any, women at the White House this morning to voice these concerns to the men around the table. House Minority Leader Nancy Pelosi (D-Calif.) told reporters Thursday that the GOP health care bill could end up “making being a woman a pre-existing condition.”

“Stripping guaranteed maternity care is a pregnancy tax, pure and simple,” she said.

In one of his first acts as president in late January, Trump signed an executive order regarding funding for abortion and women’s reproductive rights worldwide surrounded entirely by men.

*Want more updates from Amanda Terkel? Sign up for her newsletter, Piping Hot Truth, **here**.*

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 13 hours ago.

Spicer Denies That Ending Maternity Care Guarantee Would Mean Women Pay More For Health Care

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White House press secretary Sean Spicer on Thursday defended the idea of taking away guaranteed maternity coverage in health insurance, denying that it would mean women must pay relatively more for their health care.

He’s wrong about that. Ending the guarantee could mean slightly lower premiums for individual men and much older women, but it would just as surely drive up premiums for women of child-bearing age and their families ― unless it left them paying the full cost of prenatal care and delivery, typically many thousands of dollars, out of their own pockets.

It’s yet another case of Republicans trying to disguise the very real trade-offs of their effort to repeal the Affordable Care Act.

The issue of maternity benefits began to get a lot of attention on Wednesday night, as word spread of a deal that the White House and GOP leaders were making with conservative House Republicans, in a desperate effort to rally the votes they need to win approval there for the American Health Care Act.

Conservatives have been holding back support, because, they say, the repeal bill leaves too much of “Obamacare” intact. And a big focus of their anger has been the law’s regulations on what insurance covers ― which, by and large, the original version of repeal legislation left intact.

In the course of negotiations, the White House and GOP leaders agreed to revise the bill, so that it repeals a set of rules requiring that all insurance plans cover a set of 10 “essential health benefits.” One of those benefits is coverage for maternity care.

The Affordable Care Act mandates maternity coverage because, in the old days, insurance frequently didn’t offer it ― or did so only if beneficiaries were willing to pay a hefty surcharge. Today, all policies include maternity, along with coverage of mental health care, habilitative care, and prescriptions ― three benefits that, previously, insurers frequently did not.

These mandates came with a cost. Including these benefits has forced insurance companies to pick up medical expenses they were able to avoid previously, and as a result they have raised premiums to cover their new costs ― a point that Spicer, during his daily White House briefing, made correctly.

But a reporter asked Spicer the natural follow-up: If eliminating maternity coverage will reduce premiums overall, won’t it also mean higher costs for people who actually need the care?

And wouldn’t it be the same for other essential benefits ― slightly lower premiums for all, but much higher out-of-pocket costs for the people who might need some of those other essential services?

The correct answer would have been “yes.” Here is how the exchange went instead:

Q: Is the president concerned that without having those essential benefits in there, you’ll have a situation where women are just de facto paying higher for health insurance. Obviously they’d be paying for maternity leave ―

SPICER: No, you could have a family plan. Again, you’re picking one benefit and trying to extrapolate it. It’s also saying should young people pay for end-of-life care? The idea is to instill choice back into the market. It’s not just about one particular benefit. It’s allowing people to tailor a plan and cost point that’s good for them and their family or them and their spouse.


It’s not entirely clear what Spicer means by a “family” plan. A plan for the whole family, rather than an individual? One that includes maternity coverage as a special addition?

Either way, absent a guarantee of maternity coverage, most insurers will not offer it or charge extra for it ― which, in either case, means the people who want it would have to pay more.

The second part of the answer gets closer to the heart of the issue, which is really the fundamental debate taking place right now. To what extent should the cost of health care fall on those individuals and families who need it, because they have health problems, and to what extent should government require insurers to spread that financial burden as broadly as possible?

But the trade-offs here are different than Republicans typically let on. The price for allowing everybody to save a few dollars a month on premiums is forcing thousands, tens of thousands, or even hundreds of thousands of dollars in medical bills onto those with illnesses that insurance doesn’t cover.

As for the idea that removing regulations will allow people to “tailor” benefits to their liking, that overlooks the fact that people frequently have no idea what medical problems they will have in the future ― and that, in an unregulated insurance market, even insurers that want to cover services like mental health or maternity would find it too costly, because doing so would attract disproportionate numbers of people who need the coverage.

In other words, people who wanted or needed those benefits would be unable to find them.

And if the American Health Care Act were to become law, coverage could end up even worse than it was before Obamacare, because Republicans have said they would keep in place the law’s popular guarantee of coverage for people with pre-existing conditions.

Unable to avoid such customers, insurers would have even more incentive to avoid providing expensive benefits ― to the point that they might start cutting out services pretty much everybody takes for granted.

The only safeguard against this would be new state regulations. But in the past, many states had thin regulations ― and if somehow Republicans were able to both allow and encourage cross-state insurance purchases, even states trying to regulate their markets might be unable to do so. 

David Anderson, who until recently was an analyst at the UPMC Health Plan in Pennsylvania and is now an analyst at Duke University’s Margolis Center for Health Policy, thinks the end result in unregulated states could be deeply bifurcated markets ― with comprehensive, traditional coverage available only at extremely high prices that few could afford, and cheap policies with bare-bones benefits that barely qualify as insurance.

Such policies, he explained at the blog Balloon Juice on Thursday, would have tiny, narrow networks of doctors and hospitals, $20,000 deductibles, and maybe no coverage for things like asthma inhalers, Epi-Pens and insulin.

“Their benefits will be designed to drive away sick people with chronic conditions … the population that will choose these policies will have to be very healthy,” Anderson wrote.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 14 hours ago.
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