Thu
Oct 29 2009
05:41 pm

Rep. Steve Cohen has an information-packed web page on the latest proposal for a House health care reform bill.

Just skimming the major departures from the previous HR3200 bill, there are still several problem areas in the nearly 2,000 page bill.

• The 5.4% surcharge on people making $500,000. Instead of surcharges, the costs should be spread around based on premiums as you would have with single-payer.

• The continued focus on mandatory employer provided insurance plans. (The new proposal at least exempts more small businesses.) Single payer eliminates employer provided insurance altogether and makes insurance portable regardless of job, location, or employment status.

• Expanding state Medicaid programs while cutting funding. Medicaid is already bankrupting state governments. Single payer in the form of opening up Medicare to everyone eliminates Medicaid. I suppose the idea is that reforms will slowly begin to reduce the need for Medicaid. (Did I mention that single payer would eliminate it?) We need to cover the less fortunate uninsured now.

• In addition to the public option and the exchange, we would now have co-ops. Shouldn't the idea be to make it simpler? Like single payer?

On the plus side, it preserves the public option, raises the medical loss ratio for private insurance to 85% of premiums paid, limits preexisting condition lookbacks now, prohibits preexisting condition exclusions starting three years from now, excludes domestic violence as a preexisting condition, implements an immediate program for those uninsured because of preexisting conditions, eliminates rescission and guarantees renewability, bans lifetime limits, provides for Medicare payment rate reform including geographical (rural provider?) adjustments, discourages policy price gouging, and repeals the antitrust exemption for insurance companies.

So I guess it's better than a poke in the eye with sharp stick. And certainly better than the Senate plan (i.e. no state opt-outs that I can see). And presumably this additional 1100 pages of legislation is designed such that half or more of it can be negotiated away to Republicans who have their health care (or think they do) and don't want you to have yours, leaving at least a handful of somewhat meaningful incremental reforms.

Let's hope, anyway.

UPDATE: Roe, Duncan, Wamp, and Alexander oppose health care

Virgil Proudfoot's picture

The genius of the modern Democratic Party

The brilliant strategy of the modern Democratic Party is to redefine victory in such a way that it includes defeat. Here's the perfect example: universal healthcare run through the meat grinder of for-profit insurance companies.

I'd be sobbing if I'd expected anything better.

"I used to be with it, but then they changed what it was. Now what I'm with isn't it, and what's it seems scary and weird. It'll happen to you."
—Abraham Simpson

BrianPaone's picture

I'm assuming, Mr. Neal...

...that you're not at all a fan of the single-payer concept?

gonzone's picture

still a win

Not my ideal but still a big win.
We're seeing the battle between big money and the best interests of our country played out in real time.
Boss Hawg is a tough opponent. The Golden Rule (he who has the gold rules) and all that.
We don't need to break out the champagne yet 'cause it ain't over until the President signs a bill. One thing I do believe is that once we get this done, even in a somewhat less than optimal way, there's no way the GOP and their wealthy masters can take it back.
Hopefully it can be improved incrementally at a later date.

Next step: jobs, jobs, jobs

"If ignorance is bliss, why aren't more people happy?"

Virgil Proudfoot's picture

There's another scenario, perhaps more likely

As with the stimulus, we could well end up with a reform that's not much better than the current state of things in healthcare. Plus, since the Dems decided to go with full Rube Goldberg-level complexity rather than simple easy-to-understand Medicare for All, the Repubs will be able to magnify all the new paperwork and regulations to say things are even worse.

As Paul Krugman put it, with such watered-down reforms, things might not seem to improve for the general public until we're well into the second Palin administration.

"I used to be with it, but then they changed what it was. Now what I'm with isn't it, and what's it seems scary and weird. It'll happen to you."
—Abraham Simpson

gonzone's picture

yeah

Depressing but entirely plausible.

"If ignorance is bliss, why aren't more people happy?"

bizgrrl's picture

Thanks for the info.

Thanks for the info. Definitely need more time to review the bill.

Rhetorical questions of interest to me.

How about portability? Is it addressed? Would I be able to move to any state and retain the same health insurance?

Isn’t it absurd that this portion, “prohibits preexisting condition exclusions” isn’t immediate instead of ”starting three years from now”? Why wait? What happens in three years?

“Discourages” policy price gouging? What’s the point if it cannot be mandated with a little stronger language versus discouraged? Big business doesn’t care about being discouraged to do something. If they did, we would probably not be in the economic mess we are in at this time.

Up Goose Creek's picture

Preexisting conditions

It occured to me that the bills say you can't be denied coverage because of PE, it doesn't say your quoted rates can't go through the roof does it?

_________________________
more construction, less politics

R. Neal's picture

I believe the only allowed

I believe the only allowed premium adjustments are for age, geographic location, and family enrollment. Age related premium adjustments may not vary by more than two to one for a policy.

(Title II: Protections and standards for qualified health benefits plans, Subtitle B - Standards guaranteeing access to affordable coverage.)

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