Great news: Another wave of health-plan cancellations on the way?

posted at 12:21 pm on April 24, 2014 by Ed Morrissey

A new report on ObamaCare would tend to distract from the White House victory lap earlier in the month, and might even – gasp! — “re-open” the debate that Barack Obama insisted was closed. Don’t look for this information on the right-wing blogs, though. Vox’s Sarah Kliff, formerly at the Washington Post, warns that another class of policies will get canceled due to coverage mandates, and that will put some lower-income Americans in a fiscal bind:

The Obama administration is quietly trying to stamp out some of the skimpiest health plans, a decision that industry officials say could trigger yet another wave of cancellation notices.

The administration is targeting a type of coverage called fixed benefit or indemnity insurance, which give patients a fixed sum of money whenever they visit the doctor or land in a hospital.

These plans are less expensive than regular medical insurance because they are less robust. And new federal regulations would make it illegal for insurers to sell these plans as stand-alone insurance coverage. Instead, the Obama administration only wants to allow people to buy fixed-benefit plans as supplemental insurance to a more comprehensive medical plan.

So why cancel these plans? Well, for one thing, they don’t meet the coverage mandates of the ACA. For another, as Kliff reports, “consumer advocates” who know better than the consumers themselves want this provision enforced on fixed-benefit plans. That’s going to create yet another wave of consumers who will find out the hard way that the Lie of the Year for 2013 just keeps on chugging along:

“We’re going to have another public outcry about, ‘if you like your health plan, you can keep it,’” says Pat O’Neill, general counsel at US Health Group, which sells fixed-benefit plans. “Not as long as its fixed benefit, you can’t.”

Fixed-benefit plans don’t provide the kind of health-expense coverage most people are used to. Instead, they pay the patient directly a set amount when they use health care services. Some might, for example, pay out $100 for each day spent in the hospital or $50 for a trip to the doctor.

Unlike traditional health insurance, payouts from these plans aren’t tethered to which doctor a subscriber sees. There are no networks; patients can see whichever doctor they want. This is very different from traditional health insurance, where networks have been shrinking.

In other words, they cost less for consumers because they lower costs for risk pools, as well as make them more predictable. On the flip side, patients know what their reimbursements will be and can shop for providers to get them the best retail price. That can still leave people far short of the actual bill when dealing with serious illnesses, though, which is why this kind of plan makes a lot more sense for younger, healthier people who don’t necessarily need to spend thousands each year on health insurance premiums only to get a few hundred dollars in benefits — if that, considering how high deductibles have now risen.

The Obama administration wants to keep fixed-benefit plans available, but not eligible to meet the individual mandate as primary coverage. That would mean that people who have and like these plans now would have to pay premiums for both, which is perhaps an implicit admission that deductibles have made health insurance a bad bet for nearly everyone. The kind of consumers most likely to have fixed-benefit plans now, though, are the ones who were least likely to be able to afford the comprehensive insurance now required through ObamaCare.

In fact, the insurers tell Vox that enrollments in such plans have increased because of the escalating deductibles in ObamaCare plans, as well as the escalating premium prices. The number of people in these plans are at least in the six figures, if not in the millions, which means yet another major disruption for Americans — probably one that will hit lower-income earners disproportionately.

In the fall, parts of the employer mandate will come into play for larger firms that employ 100 or more people. The Obama administration postponed the mandate for smaller businesses of 50-100 employees in an attempt to avoid the consequences of the negative incentives on those firms.  The Wall Street Journal reports today that attempt to dodge the predictable and rational choices being forced on employers hasn’t actually worked:

Some owners have begun to weigh strategies that might help them avoid complying with the law later on, such as opting out of providing the required coverage and instead paying a federal penalty of $2,000 for each full-time worker after the first 30.

Others have begun restructuring their businesses, reducing their employees’ hours, for example, or trimming their total head counts to fewer than 50 full-time workers.

“You’ve really got to run the numbers and find out what’s going to work best for your bottom line,” says Melinda Emerson, chief executive of Quintessence Group Inc., a small-business consulting firm in Philadelphia. “You don’t want to wait and then have to make a drastic cost increase to your customers or make a significant reduction to your labor force” when the law’s provisions take effect, she says. “You want to do that gradually.”

In January, nearly half of small-business owners with at least five employees, or 45% of those polled, said they had had to curb their hiring plans because of the health law, and almost a third—29%—said they had been forced to make staff cuts, according to a U.S. Bancorp survey of 3,173 owners with less than $10 million in annual revenue that will be released Thursday.

Businesses react to incentives as soon as they become known and reasonably fixed. So do consumers. And voters usually do as well, which is going to be bad news this fall when larger employers start scaling back coverages, increasing deductibles, or just bail out on providing health insurance at all — just as the next round of premium spikes hit.

Of course, we can expect plenty of “debate is over” declarations between now and the midterms, complete with quotes of statistics that have more in common with Pinocchio than reality. In my column for The Fiscal Times today, I point out that pattern from the Obama administration on ObamaCare — and other parts of the White House agenda, too:

This dishonesty with numbers continued last week as Obama himself claimed, “thirty-five percent of people who enrolled through the federal marketplace are under the age of 35.”Kessler again called foul, noting that not only did this distort the actual data from the White House data sheet (where the figure was actually 28 percent), but also ignored the fact that the Obama administration itself was on record that it needed the number to be 40 percent for the sake of the risk pools.

“By the time the dust settled, the original 40 percent goal was largely forgotten,” Kessler wrote, “as well as the fact that the final 28 percent figure was only slightly better than the 27 percent achieved in March.” …

The 77-cent myth has been repeatedly debunked, so much so that even Obama’s allies began objecting to the “revolting equal-pay demagoguery.” The National Republican Senatorial Committee used the White House formula on pay equity to note that Obama only pays women 88 cents for every dollar earned by men, and that Democrats running for the Senate perform far worse. Slate’s John Dickerson wondered whether lying was a deliberate strategy, akin to the axiom that there’s no such thing as bad publicity.

The federal government applies policies and exercises authority on a vast scale, far too broad to see the impact from one limited vantage point. Citizens need reliable metrics to judge policy and regulation on a rational basis. As government grows larger, though, the need to distort those rational measures has increased, especially in this administration – and that undermines confidence in authority in general and especially in big-government accountability.

If we can’t trust the big-government activists to tell us the truth, then there’s a 100 percent chance we can’t trust the institution they represent.

Hey, if you like your reality … you can keep your reality.


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Obama is Awesome……

Electrongod on April 24, 2014 at 12:25 PM

Bishop – 1

Electrongod on April 24, 2014 at 12:26 PM

I pray that enough people will vote against the Dems in 2014 and 2016 because of Obamacare.

Supergirl333 on April 24, 2014 at 12:26 PM

ObamaCancel

Electrongod on April 24, 2014 at 12:27 PM

I guess Obama was right…

we can save $3000/year in premiums….

by not paying premiums…

Electrongod on April 24, 2014 at 12:28 PM

Love it!

Schadenfreude on April 24, 2014 at 12:29 PM

Repeal. Repeal. Repeal. YES! We can repeal bad law. There is precedence for it. Does anyone remember ‘prohibition’? …and that was a friggin amendment, not just some stupid wimpy little law. Pffffft.

R.U.Sirius on April 24, 2014 at 12:29 PM

Shouldn’t that read a “another wave of liars on the way!” So say Dingy Harry.

rjoco1 on April 24, 2014 at 12:30 PM

Obama is Awesome……

Electrongod on April 24, 2014 at 12:25 PM

Teh Most Awesome pResident evah!!

If We can’t don’t trust the big-government activists to tell us the truth, then so there’s it’s a 100 percent chance that we can’t don’t trust the institution they represent.

FIFY….no Ifs or Chance about that.

hawkeye54 on April 24, 2014 at 12:30 PM

Obama is doing his best to destroy this nations health care.

Maybe I can keep my sanity, period.

sadatoni on April 24, 2014 at 12:30 PM

So he’s going to have to stop spiking the football then?

ConstantineXI on April 24, 2014 at 12:33 PM

Obama is doing his best to destroy this nations health care.

Maybe I can keep my sanity, period.

sadatoni on April 24, 2014 at 12:30 PM

Your sanity may be the only thing you CAN keep…and yet there may some uncertainty on even that.

hawkeye54 on April 24, 2014 at 12:34 PM

You don’t need your crappy fixed-benefit plans and that’s just the way it is, flyover hick dolts.

Jeebus, why do I have to explain EVERYTHING to you homophobes.

Bishop on April 24, 2014 at 12:35 PM

In January, nearly half of small-business owners with at least five employees, or 45% of those polled, said they had had to curb their hiring plans because of the health law, and almost a third—29%said they had been forced to make staff cuts, according to a U.S. Bancorp survey of 3,173 owners

Just let those numbers sink in.
Who could have predicted that?
/
This slow motion train wreck is far from coming to a halt, yet every day I hear what I assume are otherwise reasonably intelligent people defending the ACA. One can only conclude the media holds far more power than they should.

JusDreamin on April 24, 2014 at 12:36 PM

How can the debate be over, when Obamacare isn’t fully implemented?

LouisianaLightning on April 24, 2014 at 12:36 PM

“We must provide access to health care for the uninsured.”
/Dems circa 2009

Great news: Another wave of health-plan cancellations on the way?

This seems a rather poor way of meeting the stated goal above.

Bitter Clinger on April 24, 2014 at 12:37 PM

Maybe I can keep my sanity, period.

sadatoni on April 24, 2014 at 12:30 PM

Best of luck to you. I’m not that strong…

JusDreamin on April 24, 2014 at 12:38 PM

In January, nearly half of small-business owners with at least five employees, or 45% of those polled, said they had had to curb their hiring plans because of the health law, and almost a third—29%—said they had been forced to make staff cuts, according to a U.S. Bancorp survey of 3,173 owners

RAAAAACIST!

ConstantineXI on April 24, 2014 at 12:38 PM

Hey, if you like your reality fantasy … you can keep your reality fantasy.

PatriotRider on April 24, 2014 at 12:38 PM

If you like your President, you can keep your President. I am lying!

Sven on April 24, 2014 at 12:39 PM

War on Poor People…

PatriotRider on April 24, 2014 at 12:39 PM

I think we need to call him O’ Llama, he keeps spitting in our face.

Sven on April 24, 2014 at 12:40 PM

And the GOP will still blow it…

PatriotRider on April 24, 2014 at 12:41 PM

Cancellations, indeed!

Then there’s the slow grind of being shuffled from one policy to another through the implementation process. Since September, 2013, I have been on three different policies and will start yet another on May 1st.

The first change, October 1st, was “normal” as the annual rollover of a policy with a coverage year that ran from the beginning of October to the end of September.

Next was the year-end change, where I was “permitted” to keep my old policy until the end of March because of Oregon’s implementation problems. Except it was a brand new policy with a duration of 3 months.

Then on April 1, I started another new policy that was fully compliant with the requirements of the healthcare exchanges. I had applied for a subsidized premium back in February, but it had not yet been approved.

Now, since I qualify for a small subsidy, I will start yet another policy on May 1st.

The fun part… any credit for those annual deductibles and out of pocket limits that go with each policy are zeroed out each time I got rolled over. My situation isn’t too bad (so far) but the insurance companies got the actuarial benefit of applying annual limits to policies that lasted between one and three months. I can however imagine someone getting whacked with maximum deductibles 3 or 4 times in less than 6 months.

The ‘fun’ with Obamacare is only beginning!

DaveK on April 24, 2014 at 12:43 PM

I don’t think that Obama cares that he makes rep voters pay more to subsidize dem voters

avi natan on April 24, 2014 at 12:44 PM

Say, that is great news.

Lanceman on April 24, 2014 at 12:46 PM

No worries. The “Joseph Goebbels Memorial Propaganda Organization,” aka the DNC will simply continue lying about how great O-care is. None of the LIVs will notice.

NavyMustang on April 24, 2014 at 12:49 PM

Oh look. A whole new bunch of liars. – Harry Reid

bigmacdaddy on April 24, 2014 at 12:49 PM

My company sells this type of plan in the States; it’s not as popular in Canada, since we have single-payer already. It should be interesting to see what the reaction is from all the policyholders. And a large percentage of those policyholders are union members.

CanadianB on April 24, 2014 at 12:53 PM

Obama is an Awesome con artist……

Electrongod on April 24, 2014 at 12:25 PM

FIFY.

Steve Z on April 24, 2014 at 12:53 PM

How can the debate be over, when Obamacare isn’t fully implemented?

LouisianaLightning on April 24, 2014 at 12:36 PM

You don’t understand what the Rats mean when they say the debate is over.

It doesn’t mean that the issue is settled after robust discussion. It means that they are through talking about it. The way an exasperated parent ultimately will say “because I said so” to a child that keeps asking why. That’s how the filthy rat-eared wonder views us all- as unruly children.

Happy Nomad on April 24, 2014 at 12:54 PM

Well, what else do you expect from this administration and the policymakers in D.C.? More of the same…

Gwalchmai on April 24, 2014 at 12:56 PM

If you like your plan… well… screw you.

faraway on April 24, 2014 at 12:57 PM

Comrades Secretary General Obama and his wise commissars know best. This is just one more feature, not bug of grand and glorious Obama-democrat Care. Proletariat is too dumb to know what best for them. Smart people in glorious government know how to make web sites for stupid peasants for best care.

Comrades it is going to be a glorious future, GLORIOUS!!

jukin3 on April 24, 2014 at 12:58 PM

If you like your plan… well… screw you.

faraway on April 24, 2014 at 12:57 PM

Ah! The tin foil plan.

Happy Nomad on April 24, 2014 at 1:01 PM

If you like your President, you can keep your President. I am lying!

Sven on April 24, 2014 at 12:39 PM

Meh, if you don’t like your pResident, live with it, you’ve got him anyway, and remember the IRS, NSA, FBI, EPA, HHS, and USPS are watching and listening, and you will be hearing from them….I am NOT lying.

/SNARK

hawkeye54 on April 24, 2014 at 1:02 PM

If only people were willing to make appropriate sacrifices for the greater good. All of these icky issues would simply go away. Obviously these business owners are just greedy employment barrons. Thinking only of their evil profits. They and those pointing out these slight mis-steps by our Dear Leader are nothing but racist bigots who can’t handle a gentleman of color in the white house.

Did I leave out any talking points? Where’s my check? Will it be mailed? Direct deposited?

Biggyrat on April 24, 2014 at 1:02 PM

great and glorious news comrades!

The commissars in Washington state ban narrow healthcare networks. Now all peasants can go to any doctor or hospital. Soon Secretary General Obama will demand that useless and uncaring congress make fair for all and force greedy capitalist pig doctors to treat all for free or lose money. We all know they have swimming pools of gold coin in basement.

It’s going to be a glorious future, GLORIOUS comrades!!

jukin3 on April 24, 2014 at 1:04 PM

You people who complain that President pen & phone lies all the time are being a little harsh. I mean what is he going to say if he doesn’t bend the truth? Give the guy a break, it’s not like he has offended all our allies, or unilaterally is disarming our conventional and nuclear capability or has wasted billions on failed green energy projects or kills jobs with excessive regulation or just plain breaks the law…at this point what difference does it make? The problem is not him but those fools who still support him and his ideologies. What can I say , the world is going to hell

warmairfan on April 24, 2014 at 1:04 PM

That would mean that people who have and like these plans now would have to pay premiums for both

Or they could pay the penalty for not having comprehensive and keep their fixed benefit plan. For adults older than 26, this might be the most cost-efficient way for them to go.

lineholder on April 24, 2014 at 1:05 PM

…it’s ok!…he is over in Asia…working to screw that up too!

KOOLAID2 on April 24, 2014 at 1:05 PM

Comrades it is going to be a glorious future, GLORIOUS!!

jukin3 on April 24, 2014 at 12:58 PM

Absolutely now that the chocolate ration has gone up!

Hate week this year is going to be awesome!!!

Happy Nomad on April 24, 2014 at 1:05 PM

So, the government is trying to improve on their “junk plans”? Now there’s an original concept.

Rovin on April 24, 2014 at 1:05 PM

…it’s ok!…he is over in Asia…working to screw that up too!

KOOLAID2 on April 24, 2014 at 1:05 PM

Well, of course he’s there to screw it up, much as Biden in Ukraine screwing it up there. Its what they’ve been instructed to do, and what they do best.

/SNARK

hawkeye54 on April 24, 2014 at 1:08 PM

Did I leave out any talking points? Where’s my check? Will it be mailed? Direct deposited?

Biggyrat on April 24, 2014 at 1:02 PM

Sorry but you missed a few key points:

-Some of us who have been more fortunate have to pay a little more so that everybody gets awesome health insurance under the ACA.

-The ACA is a settled debate.

-Obama is open to good ideas from wherever. The GOP needs to stop fighting the ACA and work in a bipartisan way to fix the few snags in rolling out affordable healthcare for all.

So, no check but thanks for playing.

Happy Nomad on April 24, 2014 at 1:11 PM

bayam! Come out and play with us…

Del Dolemonte on April 24, 2014 at 1:15 PM

Everyday is like democrat anti-christmas pain deliverance day in the era of that f****t Obama regime.

Murphy9 on April 24, 2014 at 1:17 PM

Why is HHS fighting so hard to keep good folks from getting health insurance? Why have Oregon and Maryland and Massachusetts and California (etc.) been working so hard for people not to have health insurance? Why are they all so mad about people having health insurance? I don’t understand it…

Gymistokles on April 24, 2014 at 1:20 PM

in soviet america, health cares for you

todler on April 24, 2014 at 1:24 PM

Barry really shouldn’t toke before speaking.

GarandFan on April 24, 2014 at 1:26 PM

I pray that enough people will vote against the Dems in 2014 and 2016 because of Obamacare.

Supergirl333 on April 24, 2014 at 12:26 PM

As a Christian, I can attest to that prayer having already been answered (in the negative) in 2008 and 2012. I find it highly likely to be answered in a similar fashion, frankly, in 2014 and 2016. I doubt the Republicans will take the Senate this year, and even if they do they will lose it again in 2016 as well as the White House.

GOPe politicians keep pissing on their base, while Democrats ramp their base up with red meat and actual enactment of policy preferences.

xNavigator on April 24, 2014 at 1:27 PM

LouisianaLightning on April 24, 2014 at 12:36 PM

 
You don’t understand what the Rats mean when they say the debate is over.
 
It doesn’t mean that the issue is settled after robust discussion. It means that they are through talking about it. The way an exasperated parent ultimately will say “because I said so” to a child that keeps asking why. That’s how the filthy rat-eared wonder views us all- as unruly children.
 
Happy Nomad on April 24, 2014 at 12:54 PM

 
Happy Nomad, that is an excellent post.

rogerb on April 24, 2014 at 1:33 PM

Once again, thank you, John Roberts.

Cleombrotus on April 24, 2014 at 1:33 PM

Suckers… how that party line vote for the DIMocrats working out for you now?

Khun Joe on April 24, 2014 at 1:54 PM

In old USA you get health care.
In new USSA health care gets you.

In old USA you hate government.
In new USSA government hates you.

jukin3 on April 24, 2014 at 2:10 PM

Guess everdiso hasn’t gotten his talking points from his masters yet.

HumpBot Salvation on April 24, 2014 at 2:12 PM

Here is another round of medical insurance cancellations coming in late 2014.

Companies like 3M will be dropping their medical insurance for non-Medicare eligible retirees or their spouses on Jan 1, 2015.

The only insurance for these people will be via the various exchanges. I don’t know about all companies in this situation but 3M will be providing a subsidy to the people affected to help offset the higher costs of ObamaCare.

3M dropped medical insurance for retirees who are Medicare eligible ( greater than 65 yrs old) several years ago (2010). Again they are providing a modest subsidy to help cover these expenses.

Dasher on April 24, 2014 at 2:24 PM

n old USA you get health care.
In new USSA health care gets you.

In old USA you hate government.
In new USSA government hates you.

jukin3 on April 24, 2014 at 2:10 PM

100+

Dasher on April 24, 2014 at 2:25 PM

If you like your plan, you can remember it fondly….

Axeman on April 24, 2014 at 2:58 PM

If you like your plan…

- … you can put it in a scrap book.

- … shut up.

- … no one asked for your opinion.

Axeman on April 24, 2014 at 3:03 PM

I don’t care because Obama is awesome. Haters gonna hate!

TypicalLib on April 24, 2014 at 3:10 PM

Did any of you guys read the news today in which it was pointed out that ~6 million people “lost” their insurance and were rolled over into new plans every year….BEFORE obamacare?

Probably not.

everdiso on April 24, 2014 at 3:12 PM

Complain if you must, but the Republicans continue to have no better idea of how to fix healthcare. So we’re stuck with this.

100 Percent Beef on April 24, 2014 at 3:25 PM

I know it’s called Obama “Care” but I’m really starting to get the feeling that he doesn’t!

Lance Corvette on April 24, 2014 at 3:34 PM

Complain if you must, but the Republicans continue to have no better idea of how to fix healthcare. So we’re stuck with this.

100 Percent Beef on April 24, 2014 at 3:25 PM

Actually, some Republicans do appear to have a better idea, maybe not perfect, but better, I believe. Notice a few names conspicuously absent from the list of cosponsors, and yeah Weepy, Cantor and Ryan, I’m lookin’ at you:

The American Health Care Reform Act – H.R. 3121

Full List Of Cosponsors
*Original Cosponsors
*Rep. Roe (TN-01)
*Rep. Scalise (LA-01)
*Rep. Price (GA-06)
*Rep. Fleming (LA-04)
*Rep. Gosar (AZ-04)
*Rep. Blackburn (TN-07)
*Rep. Ellmers (NC-02)
*Rep. Rokita (IN-04)
Rep. Aderholt (AL-04)
Rep. Amodei (NV-02)
Rep. Bachmann (MN-06)
Rep. Barletta (PA-11)
Rep. Barton (TX-06)
Rep. Barr (KY-06)
Rep. Benishek(MI-02)
Rep. Bentivolio (MI-11)
Rep. Bilirakis (FL-12)
Rep. Black (TN-06)
Rep. Boustany (LA-03)
Rep. Bridenstine (OK-01)
Rep. Brooks (AL-05)
Rep. Bucshon (IN-08)
Rep. Byrne(AL-01)
Rep. Capito (WV-2)
Rep. Chabot (OH-01)
Rep. Cole (OK-04)

Rep. Collins (NY-27)
Rep. Cook (CA-08)
Rep. Conaway (TX-11)
Rep. Cotton (AR-04)
Rep. Culberson (TX-07)
Rep. Cramer (ND at large)
Rep. Crenshaw (FL-04)
Rep. Davis (IL-13)
Rep. DesJarlais (TN-04)
Rep. Duffy (Wi-07)
Rep. Duncan (SC-03)
Rep. Fincher (TN-08)
Rep. Fleischmann (TN-03)
Rep. Flores (TX-17)
Rep. Forbes (VA-04)
Rep. Fortenberry (NE-01)
Rep. Foxx (NC-05)
Rep. Franks (AZ-08)
Rep. Gardner (CO-04)
Rep. Gibbs (OH-07)
Rep. Gingrey (GA-11)
Rep. Goodlatte (VA-06)
Rep. Gowdy (SC-04)
Rep. Graves (GA-14)
Rep. Griffin (AR-02)
Rep. Guthrie (KY-02)

Rep. Hall (TX-04)
Rep. Harris (MD-01)
Rep. Harper (MS-03)
Rep. Hartzler (MO-04)
Rep. Hensarling (TX-05)
Rep. Holding (NC-13)
Rep. Hudson (NC-08)
Rep. Huelskamp (KS-01)
Rep. Huizenga (MI-02)
Rep. Hunter (CA-50)
Rep. Jenkins (KS-02)
Rep. Johnson (OH-06)
Rep. Johnson (TX-03)
Rep. Jordan (OH-04)
Rep. Kelly (PA-03)
Rep. Kingston (GA-01)
Rep. Kline (MN-02)
Rep. LaMalfa (CA-01)
Rep. Lamborn (CO-05)
Rep. Long (MO-07)
Rep. Luetkemeyer (MO-03)
Rep. Lummis (WY at large)
Rep. Marino (PA-10)
Rep. Marchant (TX-24)
Rep. Meadows (NC-11)
Rep. McCaul (TX-10)

Rep. McClintock (CA-04)
Rep. McHenry (NC-10)
Rep. McKinley (WV-01)
Rep. Messer (IN-06)
Rep. Miller (FL-01)
Rep. Mullin (OK-02)
Rep. Mulvaney (SC-05)
Rep. Noem (SD at large)
Rep. Nunnelee (MS-01)
Rep. Olson (TX-22)
Rep. Palazzo (MS-04)
Rep. Pearce (NM-02)
Rep. Perry (PA-04)
Rep. Pittenger (NC-09)
Rep. Pompeo (KS-04)
Rep. Radel (FL-19)
Rep. Renacci (OH-16)
Rep. Ribble (WI-08)
Rep. Roby (AL-02)
Rep. Rogers (AL-03)
Rep. Roskam (IL-06)
Rep. Ross (FL-15)
Rep. Rothfus (PA-12)
Rep. Royce (CA-39)
Rep. Salmon (AZ-05)
Rep. Schock (IL-18)

Rep. Schweikert (AZ-06)
Rep. Scott (GA-08)
Rep. Sessions (TX-32)
Rep. Simpson (ID-02)
Rep. Smith (TX-21)
Rep. Southerland (FL-02)
Rep. Stewart (UT-02)
Rep. Stivers (OH-15)
Rep. Stockman (TX-36)
Rep. Stutzman (IN-03)
Rep. Thompson (PA-05)
Rep. Thornberry (TX-13)
Rep. Wagner (MO-02)
Rep. Walberg (MI-07)
Rep. Weber (TX-14)
Rep. Wenstrup (OH-02)
Rep. Westmoreland (GA-03)
Rep. Williams (TX-25)
Rep. Wilson (SC-02)
Rep. Wittman (VA-01)
Rep. Woodall (GA-07)
Rep. Womack (AR-03)
Rep. Yoder (KS-03)
Rep. Yoho (FL-03)

The centuries-old oath taken by health care professionals reads, “Do no harm.” It is time for Washington lawmakers to take a similar approach when working to fix the problems that exist in our broken health care system. Simply repealing the President’s health care law is not enough—it must be replaced.

Conservatives recognize that patient-centered reforms rooted in free markets are the best way to lower costs and solve problems in our health care system. That is why the Republican Study Committee (RSC) is proud to bring forward a pragmatic, practical, and portable free-market alternative to the current health care system. Simply put, our bill is a better way forward. Specifically, H.R. 3121, the RSC’s American Health Care Reform Act:
Fully repeals President Obama’s health care law, eliminating billions in taxes and thousands of pages of unworkable regulations and mandates that are driving up health care costs.
Spurs competition to lower health care costs by allowing Americans to purchase health insurance across state lines and enabling small businesses to pool together and get the same buying power as large corporations.
Reforms medical malpractice laws in a commonsense way that limits trial lawyer fees and non-economic damages while maintaining strong protections for patients.
Provides tax reform that allows families and individuals to deduct health care costs, just like companies, leveling the playing field and providing all Americans with a standard deduction for health insurance.
Expands access to Health Savings Accounts (HSAs), increasing the amount of pre-tax dollars individuals can deposit into portable savings accounts to be used for health care expenses.
Safeguards individuals with pre-existing conditions from being discriminated against purchasing health insurance by bolstering state-based high risk pools and extending HIPAA guaranteed availability protections.
Protects the unborn by ensuring no federal funding of abortions.

Repeal and Replace Obamacare: It’s Time for Reform

hawkeye54 on April 24, 2014 at 3:36 PM

Did any of you guys read the news today in which it was pointed out that ~6 million people “lost” their insurance and were rolled over into new plans every year….BEFORE obamacare?

Probably not.

everdiso on April 24, 2014 at 3:12 PM

Does it hurt to be that fukking ignorant?

Millions lost their plans BECAUSE of obamacare as reported by the insurance companies that had provided the plans.

And millions more had their plans rolled into other plans as their companies changed insurers or plans.

The two situations aren’t mutually exclusive.

So again, are you really that stupid?

HumpBot Salvation on April 24, 2014 at 3:58 PM

.

The hidden, secretive nature of ObamaCare

A Catastrophe Like No Other

___________________________________________

You cannot look at ObamaCare and call it anything but

a huge, historic mess.

There’s a brute test of a policy:

If you knew then what you know now, would you do it?

___________________________________________

Democrats who would do ObamaCare over again.

Some would do something different, but they wouldn’t do this.

The cost of the blunder has been too high

in terms of policy and politics.

___________________________________________

Global HAWK on April 24, 2014 at 4:00 PM

Does it hurt to be that fukking ignorant?

Millions lost their plans BECAUSE of obamacare as reported by the insurance companies that had provided the plans.

And millions more had their plans rolled into other plans as their companies changed insurers or plans.

The two situations aren’t mutually exclusive.

So again, are you really that stupid?

HumpBot Salvation on April 24, 2014 at 3:58 PM

But they were crappy plans and now they have Democrat approved plans, so all is good!

libbyscooter on April 24, 2014 at 4:09 PM

The hidden, secretive nature of ObamaCare

A Catastrophe Like No Other

__________________________________________

You cannot look at ObamaCare and call it anything but

a huge, historic mess.

There’s a brute test of a policy:

If you knew then what you know now, would you do it?

__________________________________________

There are very, very few Democrats

who would do ObamaCare over again.

Some would do something different, but they wouldn’t do this.

The cost of the blunder has been too high

in terms of policy and politics.

__________________________________________

Global HAWK on April 24, 2014 at 4:09 PM

The real danger in Obama’s propensity to lie all the time, even about things which are obvious lies or easily checked, is that sooner or later the low information voters who make up the Democrats’ coalition (comprised of elite bankers, elite academics, and the dummies) will start to get the idea. They may ask, where is the progress the progressives keep promising? They may ask if dependency is the most progressives can offer them.

If the dummies in the herd ever once get wind of the wolves in the Democratic elite, they could stampede.

Adjoran on April 24, 2014 at 4:13 PM

There’s a brute test of a policy:

If you knew then what you know now, would you do it?

__________________________________________

There are very, very few Democrats

who would do ObamaCare over again.

Some would do something different, but they wouldn’t do this.

The cost of the blunder has been too high

in terms of policy and politics.

__________________________________________

Global HAWK on April 24, 2014 at 4:23 PM

The other Stealthy ObamaCare Menace

___________________________________________

The Center for Medicare and Medicaid Innovation

exists to impose price controls and limit payments to providers.

The Affordable Care Act’s Independent Payment Advisory Board

has been so heavily criticized for being an unaccountable body

with the power to effectively ration Medicare services

that many congressional Democrats no longer support it.

___________________________________________

IPAB’s bureaucratic cousin —

the Center for Medicare and Medicaid Innovation —

The agency’s authority is broad enough to allow across-the-board cuts

in payments to hospitals and physicians, and lower reimbursements

for pharmaceuticals and related products as well,

all in the name of innovation.

___________________________________________

http: //online.wsj.com/news/articles/SB10001424052702304279904579515690799077728?mg=reno64-wsj

.

Global HAWK on April 24, 2014 at 4:34 PM

The other Stealthy ObamaCare Menace

___________________________________________

The Center for Medicare and Medicaid Innovation

exists to impose price controls and limit payments to providers.

___________________________________________

.

The Affordable Care Act’s Independent Payment Advisory Board

has been so heavily criticized for being an unaccountable body

with the power to effectively ration Medicare services

that many congressional Democrats no longer support it.

___________________________________________

IPAB’s bureaucratic cousin —

the Center for Medicare and Medicaid Innovation —

.

The agency’s authority is broad enough to allow across-the-board cuts

in payments to hospitals and physicians, and lower reimbursements

for pharmaceuticals and related products as well,

all in the name of innovation.

___________________________________________

http: //online.wsj.com/news/articles/SB10001424052702304279904579515690799077728?mg=reno64-wsj

.

Global HAWK on April 24, 2014 at 4:38 PM

Did any of you guys read the news today in which it was pointed out that ~6 million people “lost” their insurance and were rolled over into new plans every year….BEFORE obamacare?

Probably not.

everditso on April 24, 2014 at 3:12 PM

Does it hurt to be that fukking ignorant?

Millions lost their plans BECAUSE of obamacare as reported by the insurance companies that had provided the plans.

And millions more had their plans rolled into other plans as their companies changed insurers or plans.

The two situations aren’t mutually exclusive.

So again, are you really that stupid?

HumpBot Salvation on April 24, 2014 at 3:58 PM

Ditso appears to be admitting that the great majority of the 7-8 million Obamacare signups that The Precious boasts about are simply people rolling over plans from a 2013 plan and being forced into an Obamacare plan that costs more and provides less. Very few of them are the most-holy previously uninsured that the whole piece-of-crap Obamacare was hatched for.

slickwillie2001 on April 24, 2014 at 4:54 PM

No worries, they already have their answer for you.

Have to pay more and get less?

http://hotair.com/archives/2014/04/21/msnbc-host-offers-bold-blueprint-for-dems-you-cant-keep-your-crappy-plan-just-deal-with-that/

JUST DEAL WITH IT.

Hey, and if the poor can’t afford bread now… why not let them eat cake?

gekkobear on April 24, 2014 at 6:47 PM

If you like your president, you can keep your president. Since so many like obama,hopefully we can get rid of the piece of shit and any other democrat/liberal coming up.

Duna on April 24, 2014 at 9:49 PM

Did any of you guys read the news today in which it was pointed out that ~6 million people “lost” their insurance and were rolled over into new plans every year….BEFORE obamacare?

Probably not.

everdiso on April 24, 2014 at 3:12 PM

Plans and coverages they chose, not plans and coverages mandated by the federal government. The relatively few bureaucrats think they can better decide plans and coverages for millions of unique households and then manage the subsequent millions upon millions of unique health/medical transactions.

They passed the Patient Non-Protection and Unaffordable Care Act and it now affects nearly everyone, so, yeah, it is all Obamacare’s fault.

Gymistokles on April 24, 2014 at 10:12 PM