Keep Fighting for Health Insurance for All
“Keep Fighting for Health Insurance for All” : The Trump administration has found yet another way to undermine the Affordable Care Act and the individual “Health Insurance” market. Lucky for Washington consumers, “Insurance” Commissioner Mike Kreidler is on his back.
Kreidler is protecting consumers against the Trump Administration’s ill-conceived attempt to allow Americans to bypass ACA requirements and enroll for short-term medical plans without the protections encoded in Obamacare.
The US Department of Health and Human Services has proposed new regulations that invite “insurance companies” to offer low-benefit health plans again through so-called short-term medical plans.
“Health Insurance” : Short-term plans are not short-they can last for almost a year. They do not cover pre-existing conditions and are not needed to cover the essential “health benefits” of the ACA, such as coverage for mental ‘health’, maternity, and prescription drugs.
“Fighting for Health Insurance”: Plans will be less expensive than the plans currently being sold under the ACA rules, and probably will not be worth much if someone gets sick. Young and healthy people can sign up to save some money, but if they fall ill with something expensive to treat, these short-term plans offer a crude surprise. Kreidler says the insurance company is likely to try to prove that, whatever the cause of the treatment needed, it is a pre-existing condition.
“Health Insurance” : Short-term plans can also hurt other insurance clients by raising premium prices on regular plans. The simple math of the insurance market requires a mix of young and old, sick and well clients, to share risk and costs and keep rates reasonable. Take the healthiest people out of the mix and the prizes increase dramatically.
“Health Insurance for All”: State law in Washington requires the Office of the Commissioner of Insurance to approve any ‘health insurance’ plan before it can be sold to the public. Kreidler is working on new rules to combat federal action on short-term plans. It encourages consumers to get involved in the rules-making process. They should also contact their Congressional representatives.
Kreidler says management’s approach will not help solve the problem of high-cost insurance.
“I seriously question the president’s mistaken belief that the only way to offer cheap health insurance is to do it at the expense of those lucky enough to get sick or have some health problem,” he said.
“Keep Fighting for Health Insurance” : Kreidler should be commended for preventing this new threat from destabilizing Washington’s successful ‘Health Insurance’ market. A record number of people – 242,000 – purchased health insurance through Washington’s health plan, finding the last period of open enrollment.
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