Thursday, September 19, 2019

'Tis the season...

...for the annual letter from the health insurance company saying, "If you like your plan, too bad, because we're discontinuing it."

Incredibly, last summer Biden stepped very close to repeating Obama's "If you like your plan, you can keep your plan" promise.  From the health care page on his campaign site, I see that Biden is proposing to build on the Affordable Care Act/Obamacare, by increasing subsidies for people buying insurance on the exchanges, and greatly expanding Medicare, and increasing automatic enrollments into Medicaid.

Did you catch that bit? --Increasing subsidies for people buying insurance on the exchanges.  These people are already eligible for subsidies, up to an income limit of 400% of the federal poverty level.  He wants to increase the subsidies, and increase the income limits.

As for the people caught by the "family glitch" that I've already written about, all Biden is offering is a chance to buy into a government health plan.  No, thanks.  And Mr. Biden, don't stand too close to me, or you'll get badly scalded by the steam that is coming out of my ears.

In other health insurance news, I found an older post by The Silicon Graybeard that outlines some of the issues with Obamacare quite well.  The ACA is very long and complex, and much of what it did was to amend several other long and complex pre-existing laws, including the Social Security Act, in an intricate sort of way.  That is part of why it is very difficult to repeal.

His description of the trade-offs between efficiency and responsiveness is by itself well worth reading; it is an issue that I run into all the time as a mother.  




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