Obamacare supporter shocked that employers moving to bare bones coverage

posted at 7:21 pm on May 20, 2013 by Jazz Shaw

Over at National Review, Veronique de Rugy highlights a recent Wall Street Journal article which brings home yet again the law of unintended consequences. (Assuming that the consequences of Obamacare are “unintended” based on the Pelosi theory of needing to pass the bill to find out what’s in it.) The short version of the analysis – and I know this will come as a massive shock to many of you – shows that employers will flock to lower cost, bare bones medical plans to avoid the increased costs and mandates of Obamacare, turning implementation into even more of “a train wreck”. Yes… yes… I know. Who could possibly have seen this coming?

Benefits advisers and insurance brokers—bucking a commonly held expectation that the law would broadly enrich benefits—are pitching these low-benefit plans around the country. They cover minimal requirements such as preventive services, but often little more. Some of the plans wouldn’t cover surgery, X-rays or prenatal care at all. Others will be paired with limited packages to cover additional services, for instance, $100 a day for a hospital visit.

Federal officials say this type of plan, in concept, would appear to qualify as acceptable minimum coverage under the law, and let most employers avoid an across-the-workforce $2,000-per-worker penalty for firms that offer nothing. Employers could still face other penalties they anticipate would be far less costly.

The explanation here isn’t exactly long division. As employers seek to obtain plans which will meet the new mandate without busting their budgets, they will bring on bare bones, low premium plans which qualify. Younger workers, particularly those who are healthy and don’t have families yet, will flock to those options to save money. This means that the more expansive plans which offer full coverage will essentially be flooded with those who are ill, worried about their health, have dependents with high medical costs or who have many children. With fewer healthy, low cost employees in the system, per capita costs rise and those costs are passed on to the employer and then to the employees.

And yet, when the Wall Street Journal asked some of the key planners of Obamacare, they seemed mystified that this might happen.

“We wouldn’t have anticipated that there’d be demand for these types of band-aid plans in 2014,” said Robert Kocher, a former White House health adviser who helped shepherd the law. “Our expectation was that employers would offer high quality insurance.”

Part of the problem: lawmakers left vague the definition of employer-sponsored coverage, opening the door to unexpected interpretations, say people involved in drafting the law.

That’s the funny thing about a giant ball of string like the United States economy. When you decide to yank really hard on a loose end in a system which was essentially stabilized under its own momentum, you just never know what’s going to happen. Unless, of course, you happened to have listened to the millions of people warning you before you yanked on it.


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Supporter didn’t read it, even after Pelosi passed it.

Schadenfreude on May 20, 2013 at 7:23 PM

Dumb, lazy American voters…..

…but we ALL get the government the LEFT deserves.

Lucky us.

PappyD61 on May 20, 2013 at 7:25 PM

No problem, Sebelius will simply write another 3000 pages of regulations to thwart the cleverness of corporation CEOs and lawyers.

fogw on May 20, 2013 at 7:26 PM

It was all part of the plan.

Philly on May 20, 2013 at 7:27 PM

Absolutely oblivious to human nature. How many of them ran out to hire more people…on their OWN dime? Yeah, I thought so. Audit all the Obamacare proponents! #SeeHowThatWorks?

CitizenEgg on May 20, 2013 at 7:30 PM

“It’s such a blessing to see you, Mr. President. Thank you for taking time out of your day. OH GRACIOUS GOD! THANK YOU SO MUCH!

I work at Mcdonalds part time…
What are you going to do about me getting better health insurance?
WHAT???
You are leveling the playing field???
Everyone else will have the same coverage as me??”

Electrongod on May 20, 2013 at 7:32 PM

[A]s guns became more common in Europe, murder and violent crime rates declined. By the 1840′s more than half of European families had at least one “fusil” at home, and murder hand declined from the hundreds per 100,000 population to a fraction of a murder per 100,000 population.

http://extranosalley.com/?p=44540

davidk on May 20, 2013 at 7:33 PM

Politicians are not as smart as the average person, let alone people who own and run businesses…
They are good at garnering votes, getting elected…that is all.

right2bright on May 20, 2013 at 7:33 PM

Electrongod on May 20, 2013 at 7:32 PM

Good olde Julio Osequeda.

tom daschle concerned on May 20, 2013 at 7:34 PM

Our nitwit union leadership were all for this dog. They all have been told to take their family pictures down the union office. It will be easier for them to move when they are voted out.

Thicklugdonkey on May 20, 2013 at 7:34 PM

B-b-b-but it looked so good on paper!/

cornbred on May 20, 2013 at 7:35 PM

What, yet another fascistic government control and welfare program doomed to failure from conception?

When 47% of those allowed to vote have IQs less than 47 and morality quotients at or near Obama (i.e., Zero) — you’re bound to get more of the same on the road to serfdom and catastrophic national implosion …

ShainS on May 20, 2013 at 7:35 PM

Unless, of course, you happened to have listened to the millions of people warning you before you yanked on it.

You mean those astroturfing angry bitter racist homophobes who cling to their guns and religion ? Those millions of people ?

burrata on May 20, 2013 at 7:36 PM

Is this the site with the “Louis Renault Award?”

If it IS, I’d recommend it’s issuance, at least for today.

JFKY on May 20, 2013 at 7:38 PM

“We wouldn’t have anticipated that there’d be demand for these types of band-aid plans in 2014,” said Robert Kocher, a former White House health adviser who helped shepherd the law. “Our expectation was that employers would offer high quality insurance.”

It truly boggles the mind that there can be so many high-level “advisers” and cabinet officers in this administration with this degree of stupidity.

They couldn’t have anticipated that most employers would offer the cheapest health insurance policies the law would allow? Seriously? Seriously?

AZCoyote on May 20, 2013 at 7:38 PM

I get a kick when 0 says

“It’s working!”

Define ‘working’. What is the desired outcome of the person saying ‘working’.

kurtzz3 on May 20, 2013 at 7:39 PM

It was all part of the plan.

Philly on May 20, 2013 at 7:27 PM

I agree. Te law was not written in the Senate. The whole deal is typical of the social manipulations performed by the likes of Soros, who prefers to change the environment so the herds of inferior lemmings will rush towards whatever trap he has set.

Look what the evil bosses have planned for the poor workers.

That is how it will be demogoged

entagor on May 20, 2013 at 7:41 PM

I hope all the libs who voted for and still love Obama choke when they see the results of this when it comes to fruition. I hope they pay out the wazoo for less coverage than they have right now.

Of course many of us will suffer, too, but libs are big into sharing. So, I don’t mind seeing the pain spread around to them, for once and at long last.

Liam on May 20, 2013 at 7:41 PM

Here is hoping to a fall. *clink!*

Bmore on May 20, 2013 at 7:43 PM

Gosh, oh Golly! You don’t suppose that the fact that the Socialist in Chief and his socialist lackies and sycophants, none of whom have a clue how an economy works, could have foreseen this development?/sarc

This is what happens when folks elect a “community organizer” and a mob of dirty, filthy, stinking, hippy occupy types to run the country/

It’s gonna take more than a generation to undo the damage these morons have done.

TKindred on May 20, 2013 at 7:43 PM

Where my wife works.. they just had a meeting a few weeks ago about the changes in insurance. Premiums doubled from about 160. every two weeks to over 300. Deductible also doubled from 500 to 1000.

This is going to devastate some employees who can’t handle a payment that just doubled. But, what difference does that make since the people are irrelevant.

Say hello to the freaking affordable care act.

I’m telling you… congress is going to secretly exempt themselves and their staffs. This will be how they keep loyal staffs. Cross your congressman or Senator.. and your out of the cushy health care system and kicked into the one for the peasants.

They are going to do it even while they say they aren’t. But they will.

JellyToast on May 20, 2013 at 7:45 PM

These darn fools all need to read Adam Smith and learn something about the invisible hand.

The masterminds in DC think they are smarter and better able to manage the economy than 300 million Americans acting out of self-interest.

Charlemagne on May 20, 2013 at 7:48 PM

“We wouldn’t have anticipated that there’d be demand for these types of band-aid plans in 2014,” said Robert Kocher, a former White House health adviser who helped shepherd the law. “Our expectation was that employers would offer high quality insurance.”

He based that conclusion on what? A wing and a prayer?

Liam on May 20, 2013 at 7:50 PM

I remember a while ago when it became apparent that teenage girls paid a lot less in auto insurance than teenage boys. When it was pointed out and people started complaining, the insurance companies announced that they would be happy to level the playing field. The solution of course was to raise the insurance rates for teenage girls. Opposition melted away and the issue was never discussed again for years in the media.

The song The Trees, by Rush is more than just a song on an album; it’s a tried and true method for control of unruly factions.

CitizenEgg on May 20, 2013 at 7:51 PM

Robert Kocher, a former White House health adviser who helped shepherd the law

Perhaps if you Obama goons had spent more time listening to Patriotic Dissenters instead of using the IRS to harass them you would’ve know what was going to happen.

txhsmom on May 20, 2013 at 7:52 PM

The Underpants Gnomes strike again.

myiq2xu on May 20, 2013 at 7:53 PM

“We wouldn’t have anticipated that there’d be demand for these types of band-aid plans in 2014,” said Robert Kocher, a former White House health adviser who helped shepherd the law. “Our expectation was that employers would offer high quality insurance.”

Square that with the selling points for the carbon tax, tobacco taxes, energy taxes, luxury taxes, etc…..all designed to modify behavior and reduce consumption of the target good or service.

To actually say they didn’t foresee a reduction in consumption due to a tax requires a willing suspension of disbelief.

“Our expectation was that stores would offer high quality cigarettes“.

BobMbx on May 20, 2013 at 7:53 PM

He based that conclusion on what? A wing and a prayer?

Liam on May 20, 2013 at 7:50 PM

Das Kapital

burrata on May 20, 2013 at 7:55 PM

Das Kapital

burrata on May 20, 2013 at 7:55 PM

+100

Liam on May 20, 2013 at 7:57 PM

I know this is going to sound stupid but would you buy your employers insurance if it had no hospital coverage

gerrym51 on May 20, 2013 at 8:00 PM

An upside is that, with their wallets thinner and lighter for sake of Obamacare, liberals won’t have as much money to donate to the DEm Party and their fave liberal causes. I’m Hollywood, and the unions will take up the slack, hitting them in the purse, too.

This last time, Bill Maher handed over to the Dems a cool million. I wonder how he’ll like being hit up for a million and a half next time.

Liam on May 20, 2013 at 8:01 PM

The song The Trees, by Rush is more than just a song on an album; it’s a tried and true method for control of unruly factions.

CitizenEgg on May 20, 2013 at 7:51 PM

Extra points for quoting Neil Peart!

There is unrest in the forest
There is trouble with the trees
For the maples want more sunlight
And the oaks ignore their pleas

The trouble with the maples
(And they’re quite convinced they’re right)
They say the oaks are just too lofty
And they grab up all the light
But the oaks can’t help their feelings
If they like the way they’re made
And they wonder why the maples
Can’t be happy in their shade

There is trouble in the forest
And the creatures all have fled
As the maples scream ‘Oppression!’
And the oaks just shake their heads

So the maples formed a union
And demanded equal rights
‘The oaks are just too greedy
We will make them give us light’
Now there’s no more oak oppression
For they passed a noble law
And the trees are all kept equal
By hatchet, axe and saw

turfmann on May 20, 2013 at 8:03 PM

And as premiums continue to rise, even these bare bones plans will become to expensive, and more and more employers will drop coverage altogether. Welcome to Obamacare.

mbs on May 20, 2013 at 8:08 PM

“We wouldn’t have anticipated that there’d be demand for these types of band-aid plans in 2014,” said Robert Kocher, a former White House health adviser who helped shepherd the law. “Our expectation was that employers would offer high quality insurance.”

Obviously a man who has never run a business of his own. Bet he’s an academic, non-profit employee or life-long government employee.

Wethal on May 20, 2013 at 8:10 PM

And what happens to a person who works at a job and gets health insurance, then gets laid off and goes to the exchanges, then six months later gets a different job, etc.?

He will never have health insurance for sure; he will have various applications for insurance floating around government and business computers forever.

PattyJ on May 20, 2013 at 8:10 PM

National Review, WSJ… so pretty much nobody on the left knows what’s what sort of train wreck is on the way.

Hill60 on May 20, 2013 at 8:10 PM

I hope all the libs who voted for and still love Obama choke when they see the results of this when it comes to fruition. I hope they pay out the wazoo for less coverage than they have right now.

Of course many of us will suffer, too, but libs are big into sharing. So, I don’t mind seeing the pain spread around to them, for once and at long last.

Liam on May 20, 2013 at 7:41 PM

Liberal elites won’t give a damn, Obamacare will never touch them. The liberal elites are those wealthy enough that Obamacare doesn’t matter, and the greedy-union elites that are exempted from Obamacare.

It’s the low-information voters in the middle class that will get the shaft.

slickwillie2001 on May 20, 2013 at 8:13 PM

National Review, WSJ… so pretty much nobody on the left knows what’s what sort of train wreck is on the way.

Hill60 on May 20, 2013 at 8:10 PM

They have no clue. When premiums first started rising a year ago, and though Obama was giving all those waives to unions, liberals simply decided the increases are because of ‘corporate greed’ on the part of the insurance companies. I’m sure many still believe it.

Liam on May 20, 2013 at 8:15 PM

If socialized government regulated health care was so good there would not be a huge medical center in Plattsburgh, New York (population ~ 6000) just an hour drive from Montreal, Quebec, Canada. The Quebecois love their socialism, except when it comes to actually getting timely medical treatment, then they flock south of the border. Where can we flock to once ObamaCare gets fully implemented? Thailand, perhaps India or Singapore? Guaranteed that is where overlords well head.

simkeith on May 20, 2013 at 8:16 PM

There was a time when people in India dreamed of coming to America to get Health Care. Soon now, under Obama, people in America will dream of going to India to get Health Care.

Martin Luther King: “I have a dream”.
Barack Hussein Obama: “I bring death”.

VorDaj on May 20, 2013 at 8:20 PM

It’s.The.Law.

And.It.Sucks.

hillsoftx on May 20, 2013 at 8:20 PM

It was all part of the plan.

Philly on May 20, 2013 at 7:27 PM

It turns out that it generates more profit for the company to pay the mandate instead of the benefit. That being said, small companies with great talent will crumble to the larger companies that offer better benefits when their top talent jumps ship.

ericdijon on May 20, 2013 at 8:21 PM

Obamacare Supporter Gets Mugged By Reality…Pure Schadenfreude Ensues

Resist We Much on May 20, 2013 at 8:20 PM

May they all get affirmative action doctors.

VorDaj on May 20, 2013 at 8:22 PM

Obamacare Supporter Gets Mugged By Reality…Pure Schadenfreude Ensues

Resist We Much on May 20, 2013 at 8:20 PM

That was so heartbreaking! Too bad I don’t play violin…/

Pffft!

Liam on May 20, 2013 at 8:22 PM

If socialized government regulated health care was so good there would not be a huge medical center in Plattsburgh, New York (population ~ 6000) just an hour drive from Montreal, Quebec, Canada. The Quebecois love their socialism, except when it comes to actually getting timely medical treatment, then they flock south of the border. Where can we flock to once ObamaCare gets fully implemented? Thailand, perhaps India or Singapore? Guaranteed that is where overlords well head.

simkeith on May 20, 2013 at 8:16 PM

If Obamacare is ever fully implemented, offshore healthcare will explode. Bahamas, Bermuda, Virgins, India, Thailand; all of those places will benefit, and many of the doctors there will have left the USA.

slickwillie2001 on May 20, 2013 at 8:24 PM

Pics of the Day: Meet ‘Mr Balls’

Resist We Much on May 20, 2013 at 8:20 PM

Hey, show some sensitivity, that’s Hotlips new job!

slickwillie2001 on May 20, 2013 at 8:25 PM

A plan devised by the people that think they are smart.

jukin3 on May 20, 2013 at 8:26 PM

The Country screamed at Congress and 85% of the Nation was satisfied with their health coverage but we got it rammed down our throats and it was not read through until it was passed; And political writers tell us to write and call our Congress. You’ve GOT to be kidding me.

mixplix on May 20, 2013 at 8:28 PM

It truly boggles the mind that there can be so many high-level “advisers” and cabinet officers in this administration with this degree of stupidity.

They couldn’t have anticipated that most employers would offer the cheapest health insurance policies the law would allow? Seriously? Seriously?’

AZCoyote on May 20, 2013 at 7:38 PM

this was the whole premise behind david halberstam’s The Best and the Brightest. JFK’s admin had the best and the brightest, just like barry. And they got us into the Vietnam war…because they just didn’t understand the situation very well.

politicians, especially leftists, always think they are brighter than everyone else. But they are not. In fact their NPD shuts off the information needed to make good decisions.

pretty stupid…but it pays very well…and you get to be on TV and adored by other people

r keller on May 20, 2013 at 8:28 PM

I get really angry at my friends and relatives who I know voted to re-elect President Obama every single month when I pay my health insurance bill which has almost TRIPLED in cost since Obamacare was passed.

I explained to them over and over again before the election how bad Obamacare was going to be, but they still voted for Obama.

Democrats should know that half of this country is very, very angry at them for their stupid votes.

wren on May 20, 2013 at 8:30 PM

“Our expectation was that employers would offer high quality insurance.”

Well they’ve already admitted THEY ARE THE MOST INCOMPETENT ADMINISTRATION, EVAH!

GarandFan on May 20, 2013 at 8:32 PM

“Our expectation was that employers would offer high quality insurance.”

Of course, these acolytes of Obama and Obamacare having zero experience in business, not a clue about managing a real budget, never once having maintain a payroll or produce products or services at a competitive price…well…they still seem to believe most employers are not in business to make a profit. Nor do they have a clue as to keeping a business running as efficiently as possible.

When all you have is some sort of pie-in-the-sky notion that real employers hire folks so they can feel good…this sort of stuff is to be expected.

After the impeachment, can we talk about abolishing Obamacare in its entirety?

coldwarrior on May 20, 2013 at 8:33 PM

We all know that it was never about health care. The cACA was about the biggest tax hike in history and more importantly putting a politicized IRS in control of people’s lives.

jukin3 on May 20, 2013 at 8:34 PM

hahahaha..
there is always a work around.
It shall be found.

bazil9 on May 20, 2013 at 8:36 PM

This is all according to plan. The ultimate goal is to get universal, gov’t healthcare. The way to do this is to eliminate the insurance industry. The Obama administration will demonize them as being greedy and selfish, not caring about the little guy, and the sheeple will say, “Yeah! Go git ‘em, Obama!”

Decoski on May 20, 2013 at 8:42 PM

Pics of the Day: Meet ‘Mr Balls’

Resist We Much on May 20, 2013 at 8:20 PM

That’s just nuts!

VegasRick on May 20, 2013 at 8:43 PM

Oddly there are not many trolls on this thread either. Is barky saving his money for his defense team?

VegasRick on May 20, 2013 at 8:46 PM

they had to jam thru something…the left didn’t much care what (i know, there’s the whining about the public option, but that was just political theater)

the Ds seriously didn’t care what was in the bill…that can be ‘fixed’ later. The message was the major thing

Obama Will Pass a National Heath Care Reform bill…for all the little people.

like that leftist form IA Harkin said…it is a Christmas present to the Peasants…soaking the Rich to give free stuff to the Peasants. That was all this was.

The press cheered and adored the new Nation. The Right to health care was a reality in their lifetimes!

that is the only thing the left/media care about. Tweaks (single payer) come later…barry will still be, and always be, the Won

r keller on May 20, 2013 at 8:46 PM

You will buy the mandated health insurance and you will like it. Otherwise, you will be harassed by the IRS until you are bankrupt and humiliated by order of Dear Leader (PBUH).

Philly on May 20, 2013 at 8:49 PM

Obamacare was designed to fail. It will collapse under its own ridiculous weight. And the healthcare market will become destabilized.

Then they will pass Single-Payer because that was the plan all along. Problem solved.

Never let a manufactured crisis go to waste.

goflyers on May 20, 2013 at 8:52 PM

It would be better to get the government, employers and insurance companies out of the healthcare business completely.

Pets get better treatment for less cash than people do under these bloated, controlling, wasteful and fraudulent health-care plans.

It’s not just Obamacare, but the whole idea that a big bureaucracy must be involved in the delivery of any service. Last time I checked, I did not need to fill out a form to get my oil changed, I don’t claim it from my car insurance … and that’s not a problem.

virgo on May 20, 2013 at 8:52 PM

Assuming that the consequences of Obamacare are “unintended” based on the Pelosi theory of needing to pass the bill to find out what’s in it.

I thought one of the lessons the fall of the Soviet Union was that economic central planning doesn’t work.

Why is it that people are so afraid to trust markets?

antifederalist on May 20, 2013 at 8:57 PM

and I know this will come as a massive shock to many of you

Well don’t look at me :-)

antisocial on May 20, 2013 at 9:05 PM

Free healthcare is going to price most out of the system.

tom daschle concerned on May 20, 2013 at 9:06 PM

In the Obama depression, people are lucky to have a job. Think they’re going to be choosy about health care?

If it’s bare bones or Medicaid, it’s not a tough choice.

NoDonkey on May 20, 2013 at 9:33 PM

It has just begun.

The serious pain and shock will hit mid 2014.

Many of us working for small employers will just be glad to have any coverage. The exchanges aren’t happening and the socialist vision of single payer will not have happened yet.

of course, the government workers, union thugs and the ruling elite will have their “seperate but equal” healthcare. No problem for them.

acyl72 on May 20, 2013 at 9:38 PM

When we told people that Obamacare would make them pay more for less, they would not believe us. They just kept saying it is free and you can keep your plan if you like it. Sadly, slogans are not a good substitute for market competition forces.

KW64 on May 20, 2013 at 9:48 PM

I’ve always felt that the purpose of this legislation was to bring about single payer health care, they just plan on doing it through the back door. Once this plan is implemented, and completely destroys the present insurance system, people will be clamoring for the government to take over health care and they’ll be more than happy to do it.

It’s amazing that the insurance companies were so willing to commit suicide for Obama on this one. I guess they just don’t understand the plan. More Soylent Green anyone?

bflat879 on May 20, 2013 at 10:33 PM

“We wouldn’t have anticipated that there’d be demand for these types of band-aid plans in 2014,” said Robert Kocher, a former White House health adviser who helped shepherd the law. “Our expectation was that employers would offer high quality insurance.”

Top. Men.

Cicero43 on May 20, 2013 at 11:36 PM

But
But

I got weed and beer
Who cares
Ribbit.

losarkos on May 21, 2013 at 7:26 AM

Only a fool tries to regulate supply and demand

Everyone has self interests, consumers, lobbyists, politicians, etc.

The system is dynamic and the participants adapt to changes in the system.

There is no utopia on earth and only misery results from its forced pursuit.

Not-a-Marxist on May 21, 2013 at 7:41 AM

Actually, I completely missed this loophole in the 50 pages of the bill I read. Health insurance has evolved in an odd way, but was always intended to cover major procedures and serious illnesses-the expnesive things. Obamacare tried to expand it to cover every preventive procedure known to man, but took it for granted that insurance would continue to cover the items people actually need insurance for and thus didn’t specifiy that.

Now, no individual would ever buy a policy like this, only covering preventive care, but a business would in a minute if they could save money.

The Obamacare authors have missed to whole point of insurance coverage. It’s not supposed to cover routine maintence like painting your house or oil changes or shots-those are items you are supposed to pay for yourself. It’s supposed to cover maor things, a house burning down, an accident or cancer surgery

talkingpoints on May 21, 2013 at 8:04 AM

My family plan costs over $1200 per month. I forget what my deductible is. But I think it’s $500.
It’s one of those Cadillac policies.
My employer,a public school in small town ND, pays 98% of it.
Yes. You saw that.
I also live in the same county & pay taxes. Too many taxes.
ND being drunk with oil $$, well, those little town govts. they howl for more $$ & sometimes the state gives it to them.
I am outraged & appalled by the growth of state govt.
And I pay more in taxes for native prairie pasture than farmers do for ‘prime’ farmland. WTF?!
I’m not quite sure what is going to happen with this Obamacare regarding these types of Cadillac plans. Perhaps I should buy a damned book.
Bcs I cannot see our small screwl being able to do this much longer.

Badger40 on May 21, 2013 at 8:06 AM

It’s supposed to cover maor things, a house burning down, an accident or cancer surgery

talkingpoints on May 21, 2013 at 8:04 AM

And if the New Deal BS had never come down the pike, voted for by the ‘greatest generation’ (which is BS), healthcare would be like car insurance & paying to get your car fixed, more affordable.
Although really these days I would argue that getting your car repaired isn’t hardly affordable anymore bcs of GOVT MANDATES on everything associated with it.
IT’s why I have AFLAC. And I guess next Sept I’m going to add cancer coverage as well.

Badger40 on May 21, 2013 at 8:09 AM

The Obamacare authors have missed to whole point of insurance coverage. It’s not supposed to cover routine maintence like painting your house or oil changes or shots-those are items you are supposed to pay for yourself. It’s supposed to cover maor things, a house burning down, an accident or cancer surgery

talkingpoints on May 21, 2013 at 8:04 AM

How many times do the “best and brightest” in government get to say “oops” before even progressives realize that government cannot write rules and processes to micromanage a major sector of the economy regardless of how many staff members assigned to the job boast Ivy League credentials?

Nomas on May 21, 2013 at 8:20 AM

Here’s what we’re in for if we are lucky enough to keep benifits supplied by our employer.

Look around on that site. They want to send texts to remind you to take your meds, harrass you on social media, etc.

If you think govt prying into every aspect of your life is onerous, get ready for your boss and insurance company to be incentivized to inflict nanny misery.

Akzed on May 21, 2013 at 9:22 AM

. . . bucking a commonly held expectation that the law would broadly enrich benefits . . .

“commomly held”? By whom?

What happens when you let the lunatics run the asylum.

dissent555 on May 21, 2013 at 9:38 AM

Akzed on May 21, 2013 at 9:22 AM

From my experience in the healthcare field, working for a company that saves money for employers with self-funded plans… the only wellness program that has measurable benefits that actually work, is tobacco cessation.

All the other ones are very subjective, and depend greatly on the will of the participant to change their lifestyle and keep it changed over a long period of time.

But the problem is… the people with the willpower are usually the ones that already maintain a healthy lifestyle, and do not benefit from wellness programs. And the people with lower willpower do not have a healthy lifestyle, and will rarely enact major change (because of their lower willpower) and thus benefit from wellness.

dominigan on May 21, 2013 at 10:02 AM

The goal was always single payer. The MSM knows this. They are all complicit. Are the GOPers once again going to snatch victory from the jaws of defeat? This is the perfect time to put forward legislation to postpone Obamacare. With the IRS as it’s main enforcer and the recent revelations of the same the GOP has the chance to say we need to wait on Obamacare since we are in the middle of this IRS investigation. Then when in 2014 they sweep in and take over the senate and hold the house they can start to de-fund this turkey. If the GOP isn’t able to get this legislation passed then again they will have the perfect opportunity to point out to voters what is coming and say they tried to stop it. Will the GOP finally prove they are on the other side or will they finally prove they are in cohoots with the Dems in destroying this country? The ball is in the GOPs court.

neyney on May 21, 2013 at 10:09 AM

We wouldn’t have anticipated that there’d be demand for these types of band-aid plans in 2014,” said Robert Kocher, a former White House health adviser who helped shepherd the law. “Our expectation was that employers would offer high quality insurance.”

(emphasis mine) My question is WHY?

Employers respond to incentives. Given the uncertainties involved (another thing that Mr. Kocher would probably say was unexpected), the employers will seek out the lowest-cost plans consistent with their needs, at least initially, that would meet the legal requirements then as the situation develops adjust accordingly.

The idea that employers would not respond is the same kind of thing as expecting that taxpayers would not respond to changes in tax rates and the tax code. Increase costs (or taxes) associated with the current setup/compensation and employers/people adjust to it, as best they can.

Russ808 on May 21, 2013 at 4:47 PM