Top News
OnPolitics Today: 'She admits that she was drunk'  ||   Arizona HS player faces suspension for high-stepping  ||   You can now eat at Napa wineries for the first time in almost 20 years  ||   Celeb mugshots: The good, the bad, the ugly  ||   This Swedish cheese is best served in a cup of coffee  ||   Paris Fashion Week 2018  ||   Man in Nepal mystery death was IM agent: Intel  ||   Kavanaugh accusers Ford, Ramirez admit memory gaps: Here's what trauma experts say  ||   Why this Chinese tea fetches thousands of dollars  ||   How the Vietnamese banh mi became New Orleans' 'other' sandwich  ||   Trump's boast at the United Nations prompts laughter from world leaders and ridicule on Twitter  ||   Brett Kavanaugh: Tensions rise as Senate hearing nears on sexual assault accusations  ||   Bill Cosby sentenced to three to 10 years in state prison, remanded to custody immediately  ||   An essential primer to all the Italian meats you'll find at the deli  ||   Rafiki’s Planet Watch is closing at Disney World’s Animal Kingdom  ||   Arizona Coyotes aiming for playoff bid  ||   'This is a very important day': Stars, advocates react to Bill Cosby's prison sentence  ||   Midterms: Florida's Rick Scott trails Bill Nelson in US Senate race by 7 points, poll says  ||   Number of babies born with syphilis has more than doubled since 2013  ||   Number of women pilots doubles to 1,000 in 4 yrs  ||            

Don't deny insurance to sick people. There are other ways to reduce health care costs.  2 Months ago

Source:   USA Today  

It's hard to think of a law that's been more controversial in the last decade than the Affordable Care Act, also known as Obamacare. Yet as the country continues to endure bitter division over the ACA, one provision remains extraordinarily popular: the requirement that insurers cover those who are sick. Even in the thick of the Obamacare debates a decade ago, 80 percent of Americans agreed the federal government should require insurance companies to offer coverage to everyone, regardless of their pre-existing illnesses and conditions.

As Americans prepare to vote in a midterm election where polls show health care is a top issue, they will need to decide whether they want to choose candidates who would permit discriminating against sick people and support undoing the progress we've made on one of the few policy issues where the country has managed to find consensus.

Before the ACA, commercial insurance companies had free rein to delay or deny insurance coverage to people with medical conditions. Approximately 50 million people had pre-existing conditions that put them at risk of losing coverage. For example, a patient with cancer could be told that payment would be denied for all of their health care costs related to cancer (drugs, outpatient visits, hospitalizations). In some cases, when changing jobs, health insurance companies could deny coverage to the patient altogether.

This was done for economic reasons: health insurance premiums would be lower if insurance for sick patients could be delayed or denied altogether. The policy seemed cruel, but it also was effective in getting healthy people to buy insurance. With the pre-existing condition exclusion, if a woman became pregnant and had an automobile or skiing accident and was uninsured, these conditions could be excluded from future insurance coverage for at least a year.

When the pre-existing condition exclusion was eliminated — and insurers were forced to offer coverage to everyone — insurance rates soared. Annual rate increases have grown from 5 percent to 19 percent over the course of the last decade. Getting rid of the pre-existing condition exclusion was morally correct but very expensive.

In recent weeks, conservatives have pushed a “Health Care Choices” plan, another Obamacare repeal effort that includes changes previously rejected on Capitol Hill. Critics say it would reduce health care coverage for many and threaten those with pre-existing conditions. “Rather than promoting competition and choice, this proposal would result in millions of people, especially the working poor and those with pre-existing health conditions, losing access to health care coverage,” a joint statement of physicians groups said.

Meanwhile, 20 state attorneys general have filed a lawsuit and are making the case that Obamacare is unconstitutional and insurers should, once again, be permitted to deny coverage to those with pre-existing conditions. The Trump administration has signaled its support for this argument.

Why are lawmakers throwing their weight behind a movement to declare Obamacare unconstitutional? If they win, the pre-existing condition exclusion would be back. It's difficult to imagine that any of those bringing the lawsuit actually think denying coverage to those with cancer is a good idea. However, insurance premiums have skyrocketed, and they could come down with the return of the pre-existing condition exclusion. 

It is likely that insurers would profit considerably if they regain the ability to deny coverage. Meanwhile, the president and Republican members of Congress have made no secret that they want to repeal Obamacare. If this lawsuit is a success, they have their win.

The big issue facing the country, as it pertains to health care, is soaring costs, and there are well known ways to reduce them. For instance, at a recent meeting I attended in Houston, national experts proposed saving more than a billion dollars. Among our top ideas: Permit Medicare to use cost in its coverage decisions, pay physicians for quality and not quantity, and use paraprofessionals to improve care coordination (cutting down on re-admissions and emergency room visits).  

If lawmakers and voters are serious about solving this problem, they should do it head on, instead of taking the easy way out by simply not paying to treat the sick.

More News
About Us Terms & Conditions Disclaimer
Advertise Contact
register and win

NRIS.COM is one of the premier NRI website that provides a range of resourceful services to Indian expats residing in the USA. Visiting the site you will find comprehensive information related to restaurants, casinos, pubs, temples, carpool, movies, education, real estate, and forums. The simple and easy to navigate format allows NRIs to gain information within a fraction of a second. Moreover, advertising through its column of Indian free classifieds in USA allow businesses to improve visibility of their brand.

VA NRI's Chat (0 Users Online)