As Friday dawns, here's what a health insurance crisis looks like to many millions of Americans: Barely six weeks shy of 2014, they do not know whether they will have medical coverage Jan. 1. Or which hospitals and doctors they might patronize. Or what they may pay to protect themselves and their families against the chance of medical and financial catastrophe. How much, that is, they may pay in order to satisfy the Democratic politicians and federal bureaucrats who are worsening a metastasizing health coverage fiasco.
For perhaps 5 million of those Americans thus far — estimates vary — the Washington-ordered cancellation of their policies is especially maddening. In the past these people took responsibility for their coverage and bought policies that balanced their needs, finances and personal choices. Congress and President Barack Obama, by enacting the Affordable Care Act, in effect ordered insurers to dismantle many of those individual plans — and cancel those policies.
The Americans manhandled by this exercise in government arrogance now find themselves divided into warring tribes: Those with chronic ailments who have found new plans on Obamacare exchanges and are pleased. Those who don't want or can't afford the replacement policies Obamacare offers them. Those whose new policies block them from using the health providers who have treated them for many years. The estimated 23 million to 41 million people whose employer-sponsored plans are the next to be imperiled. And on and on.
Most of these tribespeople only wish their big problem was a slipshod Obamacare website. On Thursday, their plight grew more frightful. With even Democratic members of Congress storming the White House over the cancellations, Obama declared — by what legal authority is unclear — that he would overrule the law he signed in 2010 and allow insurers to extend those canceled policies for a year.
If, that is, insurance regulators of the 50 states permit this potential distortion to risk pools inside and outside of Obamacare. The regulators, including those in Illinois, had better put protection ahead of politics: Within two hours of Obama's announcement, Mike Kreidler, insurance commissioner of Washington, a Democrat-leaning state, rejected the president's notion, citing "its potential impact on the overall stability of our health insurance market. ... We will not be allowing insurance companies to extend their policies."
Note that these are the same insurance companies that have done what Obamacare demanded of them, while they often were being vilified by politicians and bureaucrats who haven't done what Obamacare demanded of them: Create workable, economically sustainable, insurance markets. A spokesman for America's Health Insurance Plans, an industry group, said Thursday that Obama's decree could further drive up prices: "Premiums were set based on assumptions about people transitioning to the (Obamacare) marketplaces," Robert Zirkelbach told The Washington Post. "Changing the rules in the middle of the game could dramatically change who actually signs up. If the exchanges become nothing more than a high-risk pool, that's going to result in massive premium increases for consumers."
So, what Obama presented Thursday as a favor looks like one more mess for state governments, insurers and ... American citizens. Under the policy Obama articulated, the states and insurers aren't required to do anything. The American citizens? Under Obamacare, they're still required to have health insurance. Or pay a government fine.
Note that the president's intent to enable the extension of policies his administration deems inferior also contradicts a key tenet of Obamacare: the guarantee that (almost) every private health plan in the nation must offer a lengthy list of mandated benefits.
On some level, then, the president plainly agrees with critics of Obamacare, this page included, that the law needs to be rewritten: He and his administration keep rewriting its major components — remember the mandate that sizable employers offer coverage in 2014? — as practicalities and politics demand.
But in this country we don't change bad laws by presidential fiat. We change them by having Congress rewrite them or by starting from scratch. Obama doesn't want to reopen this law for fear that Republicans and some Democrats will substantially rewrite it. But that's what has to happen.
We understand why the president and leaders of his party want to rescue whatever they can of Obamacare. On their watch, official Washington has blown the launch of a new entitlement program ... under the schedule they alone set in early 2010.
What we don't understand is their reluctance to give that failure more than lip service. Many of the Americans who heard their president say Thursday that "we fumbled the rollout of this health care law" would have been pleased to hear him add: So we're admitting it. This law is a bust. We're starting over.
No comments:
Post a Comment