Friday, November 8, 2013
is that most of what I do is in the "no spin zone." I may agree or not with a holding or a policy, but my job is to explain--not (in my view) editoralize.
Unless something is really wrong--and this headline is really wrong. Obama: ‘I’m Sorry’ About Americans Who Are Losing Current Health Plans
Yes, I heard President Obama say he was "sorry" that people who "liked" their health insurance were losing it. But there are no facts to support the implied conclusion that they were reasonable in their affection.
So--are people "losing" health insurance they had because it provided so little coverage (so little value for money) that it was as good as being uninsured? Yes. But are there any identifiable people who experienced an illness, were satisfied with the level of coverage they had from these policies? Not that I've heard speak in any form that can be recorded for review.
I'm from Connecticut and to say that people are losing coverage they "liked" is to suggest that those unlucky enough to pay a peddler for a piece of wood shaped like a nutmeg "liked" it well enough to continue putting sawdust in their eggnog for years to follow. Sure, maybe they had thought they got a bargain and at the time could not have afforded a real nutmeg. But there's a solid old time English word for what they experienced: they were swindled. And would in no sense describe their feeling about the old block of wood as "liking."
What's missing here is any definition--let alone understanding--of what it means to "like" insurance coverage for which you are paying a monthly premium only to discover on needing it that it's not worth what you paid for it. People who had this insurance did so either because they were defrauded or because they had no other access to health insurance and were hoping for the best from it.
Here's my concern--I'm not qualified to assess the politics of this or even the longterm economics. But I do know that many vulnerable people who either now have solid, excellent insurance through Medicare, the VA or their jobs believe that they could lose it because of Obamacare. And that's simply not true.
All of us who are health law professors field questions from students, friends, relatives, colleagues and acquaintances about Obamacare all the time--and my answer to almost everyone until very recently was, "I don't know--we'll have to see what happens when it actually takes effect."
But here is something I do know---the people who are "losing" healthcare are losing something that was never worth having--and which, by the way, they would surely have lost instantly the first time they made a claim. Thus putting them in the same catagory of people from whom we have heard no complaints--those without access to health insurance because of pre-existing conditions or prohibitive premiums and now find it available and affordable.
Folks who are finding out that the coverage they had did not meet minimum standards and who now have the option of buying insurance that is worth what it costs may well not know the details yet--because they haven't been able to get on line to read about it. And if they were lucky enough to never have had to use their policies, they may never have known how little they had.
But lets not forget that the system we had was responsible for 62% of personal bankruptcies due to medical bills. And that includes a lot of people who had health insurance they "liked" but which proved inadequate when needed.
Not being a pundit--let alone an expert on presidential speech writing--I can't imagine how President Obama thought it was a good idea to make a promise that he had as much power to keep as that it wouldn't rain on anyone's Fourth of July Parade or that the entire United States would be covered by an even blanket of new snow on Christmas Eve.
Most people with "good" insurance through work face changes in doctors, hospitals, and covered medications just about everytime their employer re-negotiates their contract. It's a reality we all live with.
But are people who had adequate and affordable insurance losing coverage? To switch states for a moment, we have to all be from Missouri. Show us.
Until we see what options are available to these folks who were paying monthly premiums to plans, now being cancelled, which would not be there when needed, lets stop scaring people by telling them that the adequate insurance they do have is going to be taken away. And that they will become uninsured.
Sure, the roll out is a disaster--and in retrospect predictable once it became apparent how many states were declining the opportunity to set up their own exchanges and shifting the burden onto the woefully unprepared department of Health and Human Services.
But lets not confuse the messenger with the message. The actual insurance available is from private insurance companies--which for the first time must by law provide comprehensive health insurance for a fair price. There's no reason to think it will be worse than the expensive and inadequate plans it replaces. And certainly it will be far better than nothing. And it seems like the people directly affected by these cancellations know that because with all the glitches and apologies, the majority of Americans continue to support the increased access to affordable care insurance at the same rate they did when the bill was passed--three years ago!.
Getting back to being a professor, one of the biggest problems in explaining this topic is that it's a moving target and a substantial mistrust about sources of information. Once again, I recommend the non-profit and non-partisan Kaiser Family Foundation which continues to gather and explain facts. If indeed the people "losing" their insurance do not soon have access to better coverage at an affordable price, then there is a serious problem far past computer glitches. Lets wait and see.