Posts Tagged - ‘healthcare reform’

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Arizona Proposition Would Ban Affordable Health Insurance Mandate

Wednesday, September 29th, 2010

The issue of healthcare reform is very controversial. Proponents admit that while the bill isn’t perfect, one of the most unpopular elements is necessary. Basically, in order to provide affordable health insurance without a public option or a national health service, private health insurers must be induced to accept the more popular regulations (such as accepting people with pre-existing conditions) by guaranteeing them a larger supply of healthy consumers, which is where the individual mandate comes in.

In November, Arizona voters will try to launch a challenge to that provision. Proposition 106 would write a ban against forcing residents to buy health coverage into the state constitution. Tea party groups believe that the Healthcare Freedom Act will inspire conservative voters to head to the polls, voting for Republican candidates at the same time. A similar proposition narrowly failed in 2008.

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Impact of Affordable Health Insurance Reform on Farming Families

Monday, September 27th, 2010

Image: AJay Tallam under CC 3.0

Although agriculture currently employs under 2% of American workers, farmers play a significant role in feeding the nation. How will affordable health insurance reform affect them?

For farming families, the impact is mixed.

On the positive side:

  • Health insurance exchanges will be created in 2014, which are meant to make prices more competitive for farmers and others.
  • A family of four that earns up to $88,000 will be eligible for subsidies to help them purchase health insurance. Most small farmers fall under this threshold.

Unfortunately, there is also bad news. Most significant is the individual mandate, which will require everyone to buy an individual health insurance plan. However, the annual penalty for not purchasing it is fairly minor.

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Can Healthcare Reform “Repeal and Replace” Promises Be Trusted?

Friday, September 24th, 2010

Image: Keven Law under CC 3.0

The Republican party is staunchly against the Obama administration’s healthcare reform law. So much so, that its politicians promise that if they regain the majority in Congress, one of their first tasks will be to repeal “Obamacare”. Then, they promise that they will replace it with a more moderate, business-friendly solution.

What they promote sounds like a good idea–retaining the popular measures, such as making it easier for people with pre-existing conditions to buy a health insurance plan; while dropping the potentially troublesome elements like the individual mandate.

However, history may make some skeptical of the GOP’s pledge. After helping to torpedo President Bill Clinton’s health insurance reform proposal in the early 1990s, they basically ignored the issue for over a decade of controlling the House of Representatives and the Senate. In the meantime, the issue became more pressing–and may need more drastic solutions than it did back then.

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Are Child-Only Health Insurance Plans Falling By The Wayside?

Thursday, September 23rd, 2010

Image: Pink Sherbet Photography under CC 3.0

Several health insurers, including Aetna and Anthem Blue Cross, will soon stop selling dedicated health insurance plans to children. These plans often appeal to parents who believe they cannot afford health insurance for the entire family, but decide to sacrifice for the sake of their kids. Still, children’s health insurance is a relatively small market by itself.

They blame newly effective provisions of the healthcare reform law that prevent them from denying coverage to children with pre-existing conditions, which means that those plans will no longer be cost-effective for them to offer.

Which states will lose this option? So far, they are:

  • California
  • Florida
  • Connecticut
  • Illinois
  • Virginia
  • Pennsylvania
  • Texas
  • Tennessee
  • Colorado
  • Arizona

Although there is a legitimate argument for the moral hazard of allowing adults with pre-existing conditions to forgo paying into the system when they are healthy and joining when they are sick, children have no choice in the matter. (The individual mandates that discourage this practice won’t go into effect until 2014–and may not survive a Supreme Court challenge.) Furthermore, unlike adults, children never contribute to their own health status by choice.

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Healthcare Reform Provisions and Obesity Treatment

Wednesday, September 22nd, 2010

Image: Combined Media under CC 3.0

Tomorrow, several of the earliest provisions of the healthcare reform law will go into effect. Many of these involve preventative care.

The paradox with a lot of health insurance plans is that they typically do not pay for medically supervised diets or nutritional counseling for the overweight and obese. (They may cover gastric bypass or other weight loss surgery, but some patients are not considered morbidly obese enough to be eligible for reimbursement.) However, they will cover the more expensive cost of treating related conditions like type 2 diabetes or sleep apnea when they are later developed.

The legislation looks to change that. Here is how it will change:

  • Recommended preventative care treatments are covered without co-payments or co-insurance percentages for policyholders, including behavioral counseling and obesity screening.
  • Public health initiatives will make calorie counts more visible, making it easier for people to eat healthily and lose/maintain their weight.
  • Comparative effectiveness research will be undertaken to determine if insurers will be required to cover gym memberships, therapy, or special meal programs.
  • An advisory group will look into the effectiveness and risks of weight loss drugs and surgery, possibly requiring coverage of those deemed more effective than harmful.
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Carter: Ted Kennedy Killed Affordable Health Insurance Reform

Tuesday, September 21st, 2010

Image: Mitchell Weinstock under CC 3.0

Saying that the late Ted Kennedy stood in the way of comprehensive healthcare reform seems strange: the liberal Democrat took on that issue for decades before his death last year. But that’s what former President Jimmy Carter claims.

Specifically, Carter accuses Kennedy of shooting progressives’ cause in the foot because he opposed a Carter administration proposal in 1978. Kennedy supported a single-payer national health insurance system and considered it a civil right, similar to the “public option” touted in recent years. Labor unions also funded the Campaign for National Health Insurance, which convinced Kennedy to back out of a compromise proposal with Republican Gerald Ford in 1975 due to the potential for soon having a Democrat in office. However, Carter was more moderate than they expected.

In retrospect, it may have made more sense to accept the affordable health insurance reform Carter offered–which would have been effect for decades by now. Washington, D.C. has only become more conservative and polarized since then, and subsequent policy proposals were even more narrow.

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Census: Percentage of Americans With Health Insurance Plan Dropped

Friday, September 17th, 2010

Image: Michigan Municipal League (MML) under CC 3.0

Since the Census Bureau began tracking the percentage of Americans who are insured in 1987, last year showed the lowest rate on record. 253.6 million reported having a health insurance plan in 2009, which doesn’t seem so bad until you find out that 255.1 million were insured last year.

The recession is largely to blame, because it caused hundreds of thousands of employees to lose jobs with health benefits. Supporters of healthcare reform will likely use this statistic as an argument for the necessity of the Obama administration’s legislation.

At the same time, Medicaid enrollment rose, along with the poverty rate.

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Health Insurance Plan Reform Lawsuit Will Probably Continue

Wednesday, September 15th, 2010

Image: Robotclaw666

The healthcare reform lawsuit launched by 20 states is currently being argued in a federal district court. According to the judge presiding over it, Roger Vinson, he will probably rule that the states have general jurisdiction to sue the federal government.

Vinson does not appear to be much of a sympathetic ear for the Obama administration’s lawyers, who claim that the health insurance plan mandate inherent in the bill should be considered as a tax–which they are allowed to impose.

When he decides on the lawsuit’s fate on October 14, Vinson predicts that the bulk of the lawsuit will be allowed to proceed to further arguments on December 16. However, some of it will probably be dismissed; a bittersweet fate for health insurance reform opponents.

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Predicted Health Insurance Reform Savings Misleading?

Tuesday, September 14th, 2010

Image: University of Tennessee

According to the Obama administration’s director of healthcare reform, Nancy-Ann DeParle, the law will result in a slight reduction in the cost of health insurance. Specifically, each insured person will save up to $1,000 on their health insurance plan by 2019.

While this sounds positive, it does not cancel out the fact that the government’s Medicare actuary predicted a modest cost increase. That is because that cost will be divided among more people–the law seeks to expand coverage to 93 percent of the American population.

Some may consider the relatively small increase a worthwhile investment in our society for helping others, but that trade-off should be presented honestly.

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Affordable Health Insurance Grants for Utah’s Native Americans

Monday, September 13th, 2010

Image: Bob Rosenberg under CC 3.0

Native Americans are one of the demographics most likely to be uninsured. Although a majority of them are eligible for affordable health insurance through CHIP (the Children’s Health Insurance Program) and Medicaid, they still struggle with access, especially on reservations.

The new healthcare reform law includes a grant for nearly $1 million to help Utah’s many tribes access health care. The smaller tribes are less likely to have charitable clinics established.

What will the grants cover? Their purposes include outreach from the Utah Navajo Health System to the nearby town of White Mesa, where there is a large American Indian population. 10 to 15 percent of children living there are enrolled in CHIP, when up to 95 percent are estimated to be eligible for that Utah health insurance plan. Several other walk-in clinics in the state will also receive grants.

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