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Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsExpert: Trump proposals for replacing the ACA amount to definition of insanity
They say the definition of insanity is doing the same thing over and over again and expecting a different result. If thats so, then we have a textbook case in the Trump transition teams proposed replacement of the Affordable Care Act (ACA), posted recently on their website.
The dumb idea that wont go away
. . .
Seriously? High-Risk Pools?
Good grief, I cant believe anyone still thinks returning to the days of high-risk pools is a good idea. They didnt work before the ACA and they wont work after it is repealed. Lets review: Before the ACA, 35 states had high-risk pools. They were basically health insurance ghettos for people with pre-existing conditions and expensive, poor quality ghettos at that. On the eve of the ACA market reforms, they enrolled 226,615 people, a tiny fraction of those potentially eligible. Heres why:
1) Coverage was unaffordable. Nearly all of the high-risk pools had to set premiums at higher-than-market rates. Even though the high-risk pools were subsidized, those subsidies couldnt cover the actual costs of this high-need population.
2) Coverage didnt cover the care needed. To keep costs in check, nearly all the high-risk pools imposed pre-existing condition exclusions, meaning that even if you could afford the premiums, the insurer could refuse to cover any costs for your pre-existing condition for as many as 12 months.
3) Coverage was limited. All but two of the pools imposed lifetime dollar limits on coverage, usually between $1-2 million. Others imposed annual dollar limits on coverage, or limits on specific items or services, such a prescription drugs or rehabilitative services.
The dumb idea that wont go away
. . .
Seriously? High-Risk Pools?
Good grief, I cant believe anyone still thinks returning to the days of high-risk pools is a good idea. They didnt work before the ACA and they wont work after it is repealed. Lets review: Before the ACA, 35 states had high-risk pools. They were basically health insurance ghettos for people with pre-existing conditions and expensive, poor quality ghettos at that. On the eve of the ACA market reforms, they enrolled 226,615 people, a tiny fraction of those potentially eligible. Heres why:
1) Coverage was unaffordable. Nearly all of the high-risk pools had to set premiums at higher-than-market rates. Even though the high-risk pools were subsidized, those subsidies couldnt cover the actual costs of this high-need population.
2) Coverage didnt cover the care needed. To keep costs in check, nearly all the high-risk pools imposed pre-existing condition exclusions, meaning that even if you could afford the premiums, the insurer could refuse to cover any costs for your pre-existing condition for as many as 12 months.
3) Coverage was limited. All but two of the pools imposed lifetime dollar limits on coverage, usually between $1-2 million. Others imposed annual dollar limits on coverage, or limits on specific items or services, such a prescription drugs or rehabilitative services.
LINK: http://pulse.ncpolicywatch.org/2016/11/17/expert-trump-proposals-replacing-aca-amount-definition-insanity/
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Expert: Trump proposals for replacing the ACA amount to definition of insanity (Original Post)
CousinIT
Nov 2016
OP
HAB911
(8,890 posts)1. At least a lot of his goober supporters will lose coverage
sad to say a lot of real humans will too
MRDAWG
(501 posts)2. In his 60 Minutes interview Trump said ....................
He would keep pre-existing conditions insurable. He said that children could stay on parents plan. That is 2/3 of the ACA. The third is expanded Medicaid.
The rest of the ACA is details lie deductibles, co-pay, premiums etc.
If true, he ain't changing much. He is just able to say he repealed Obamacare.
Mosby
(16,306 posts)3. He also said he wants to move people into HSAs
Most people can't afford HSAs and if you have young kids forget about it, your going to pay out the ass.