In Part I, I wrote that Jonathan Gruber was fearmongering by insisting that 20,000,000 Americans would lose their health insurance if the ACA was repealed. Specifically, Dr. Gruber said “Twenty million Americans have gained insurance coverage, and millions more would be covered if recalcitrant states had fully embraced the law rather than resisting out of pure partisan politics.”
Betsy McCaughey disputes the notion that 20,000,000 people would lose their health insurance if the ACA was repealed in this op-ed. She explained “Sixteen million of those who gained coverage are enrolled in Medicaid, the public program for low-income residents. Obamacare allowed states to expand who could sign up for Medicaid, with the federal government covering the tab. Repeal could result in less federal funding. But no one is pushing to abolish the nation’s health safety net. And states that just expanded Medicaid are unlikely to do a 180 and shrink it. The 16 million are likely safe.”
Now that that myth is debunked, it’s time to disprove other claims Dr. Gruber made. For instance, he said this:
Republicans would like to pretend that they can therefore preserve the first leg while getting rid of the other two, as witnessed by Trump’s recent statements praising the insurance protections in the law. But this cannot be done. If you tell insurance companies that they can’t discriminate and allow individuals to wait until they are sick to buy insurance, then insurance companies will lose money. Insurers will rightly be afraid that individuals will wait until they are sick to show up to buy insurance, and as a result insurers will either exit the market or charge very high prices to protect themselves.
Actually, Republicans don’t have to go that direction. Minnesota’s high risk pool prevented Dr. Gruber’s scenario. Rather than implementing a mandate, Minnesota simply subsidized people with pre-existing conditions when they bought health insurance. The insurance companies got paid and they didn’t have to worry about Dr. Gruber’s scenario.
McCaughey asks and answers another important question:
Will people with pre-existing conditions lose out?
No. All the GOP replacement plans protect them but not through the cynical, coercive scheme that Obamacare used.
Obama forced two groups of people into the same insurance pool: the healthy and the chronically ill. Healthy people would pay premiums but never meet their sky high deductibles. Instead, their premiums would foot huge medical bills for the chronically ill, who consume 10 times as much medical care. Healthy people saw it was a scam. They refused to sign up, despite the penalty.
Obamacare architect Ezekiel Emanuel says forcing the healthy to enroll is essential.
Sorry. There’s a fairer way. Trump would allow insurers to charge ill people more then subsidize these ‘high risk’ customers with taxpayer dollars. That spreads the cost fairly over the whole population, instead of burdening people in the individual market.
Voilà, premiums and deductibles will drop fast for people in the individual market.
This is the key:
Healthy people would pay premiums but never meet their sky high deductibles. Instead, their premiums would foot huge medical bills for the chronically ill, who consume 10 times as much medical care. Healthy people saw it was a scam. They refused to sign up, despite the penalty.
The architects of the ACA are scrambling to protect their ‘accomplishment’ rather than considering doing what’s right. The important point in this is asking a simple question: why should we trust the people who told us that we could keep our plans and our doctors if we liked them? They’ve lied before. It’s foolish to think that they suddenly became honest now that they’re leaving office.
Technorati: Jonathan Gruber, Barack Obama, Ezekiel Emanuel, Affordable Care Act, Individual Mandate, Medicaid Expansion, Pre-existing Conditions, Democrats, Betsy McCaughey, High-Risk Pool, Federal Subsidies, Repeal and Replace, Donald Trump, Republicans
Authored By Let Freedom Ring Blog