GOP Healthcare Bill Written For Everyone Except Themselves: They Keep Golden Plan We Have To Pay For

(THIS ARTICLE IS COURTESY OF THE WASHINGTON POST)

New GOP health care bill will determine winners, losers

 July 15 at 2:36 AM
WASHINGTON — Republicans’ latest health care plan would create winners and losers among Americans up and down the income ladder, and across age groups.It would give consumers more responsibility for their insurance choices, a goal long held by conservatives who argue that’s key to a true health care market. Younger adults and healthy people in the solid middle class may find more agreeable options. But low-income people may not be able to afford coverage, along with older and sicker adults.

And there are potential unintended consequences for people with employer-provided insurance, currently about 170 million Americans. Allowing individuals to pay premiums from tax-sheltered accounts may create incentives for employers to stop offering coverage, say some independent analysts.

The legislation would put limits on federal spending for Medicaid, a partnership program with states to cover low-income people, the disabled and nursing home residents. The drawback is that state officials could eventually face no-win choices, such as having to pick between paying for coverage for low-wage working mothers and support services for elderly people trying to stay out of nursing homes.

As Senate Majority Leader Mitch McConnell, R-Ky., steers toward debate and votes next week, here is a look at some of the latest changes and major issues:

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CRUZ’S PLAN

The new Senate bill incorporates the core of a proposal from Sen. Ted Cruz, R-Texas, that would reorganize the market for policies purchased by individuals. As many as 20 million Americans get coverage this way, about half through subsidized markets like HealthCare.gov, created under former President Barack Obama.

Cruz would change basic requirements that Obama’s law imposed on individual plans, including standard benefits such as pregnancy, maternity and newborn care; wellness visits and mental health treatment. The law also requires the same premium rates for sick and healthy people.

Under the Cruz approach, an insurer can offer plans that don’t comply with such requirements, provided they also offer coverage that does. The problem, say critics, is that the healthy would flock to low-premium, skimpy plans, leaving the sick to face escalating prices for comprehensive coverage.

“Healthy people would have opportunities to buy lower-premium, skinnier plans, while people with pre-existing conditions not eligible for premium subsidies could find themselves priced out of insurance,” said Larry Levitt of the nonpartisan Kaiser Family Foundation.

The latest bill includes another $70 billion to help states keep health insurance affordable for older, sicker customers. But it’s not clear how those backstops would work, and the federal funding eventually would end.

Some insurers are worried because of a technical change with huge practical implications: Health plans that enroll healthier customers would no longer have to cross-subsidize those with sicker patients, as is currently required.

“We think it is unworkable,” said Justine Handelman, top Washington lobbyist for the BlueCross BlueShield Association. She predicted skyrocketing costs for taxpayers also, stuck with the bill for sicker patients.

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EMPLOYER ESCAPE HATCH?

McConnell’s new bill made a major change to tax-sheltered health savings accounts, which was also advocated by Cruz.

Under the bill, health savings accounts could be used to pay premiums with pre-tax money. Under current law, they can only be used to cover out-of-pocket costs, such as deductibles and copayments.

The change is meant to level the playing field for people buying individual plans, as compared to people getting employer coverage. The value of workplace insurance is tax-free for employees and tax-deductible for employers.

But some analysts say McConnell risks undermining workplace coverage.

The upside is that the change might encourage more self-employed people to buy individual health insurance policies. The downside is that some employers may see it as an invitation to drop health benefits, particularly since the GOP also would repeal Obama’s requirement that larger companies provide health care or face fines.

“Allowing individuals to purchase insurance with pre-tax dollars eliminates one of the advantages to employer-provided insurance,” said Elizabeth Carpenter of the Avalere Health consulting firm. “That may lead some employers to consider whether or not they want to continue to offer health insurance.”

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THE POOR AND THE SICK

McConnell kept some of the Obama-era tax increases used by Democrats to finance expanded coverage. But the money will be going to shore up private insurance, not the Medicaid program. Medicaid accounts for half or more of the 20 million Americans gaining coverage as a result of the Affordable Care Act.

Medicaid covers low-income people, from many pregnant women and newborns, to disabled people and many elderly nursing home residents. The GOP bill would start by phasing out enhanced federal financing for Obama’s Medicaid expansion, adopted by 31 states. Perhaps more significantly, it would limit future federal funding for the overall program. As a result, it’s estimated Medicaid would cover 15 million fewer people by 2026.

The bill would add $45 billion to help states confronting the opioid epidemic pay for treatment and recovery. But that hasn’t swayed the American Medical Association, which points out that people in recovery also need comprehensive health insurance.

Republican governors don’t like the Medicaid cuts, and some have been vocal. About half the states that expanded Medicaid now have GOP chief executives.

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Nevada Gov. Brian Sandoval, a Republican who oversaw a Medicaid expansion, said more than 200,000 people gained coverage in his state.

“You think about 210,000 men, women and children, senior citizens, the drug addicted, the chronically ill,” Sandoval said. “These are people that used to get their treatment in emergency rooms, if they got any treatment at all. I keep going back to the fact that they are living a better quality of life.”

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Associated Press writer Jennifer McDermott in Providence, Rhode Island, contributed to this report.

Copyright 2017 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

New GOP health care bill could allow cheaper plans with fewer benefits

(THIS ARTICLE IS COURTESY OF CNN)

New GOP health care bill could allow cheaper plans with fewer benefits

  • Cruz’s so-called Consumer Freedom amendment is contentious among Republicans
  • The amendment would allow insurers to sell cheaper plans with fewer benefits

Washington (CNN) Senate Republicans unveiled their newest health care bill Thursday as they continue to search for the majority needed to repeal and replace Obamacare.

Now, it’s up to senators to decide if they like it.
The new bill includes major changes to the original. One of the most significant was the inclusion of an amendment by Texas Sen. Ted Cruz, which would allow insurers offering Obamacare plans to also offer cheaper, bare-bones policies. The amendment was included in an effort to earn more conservative support, but could also drive away some moderates who fear the amendment could drive up premiums for those with pre-existing conditions.
It also contains significant new funding for opioid treatment and money for states meant to lower premiums for high-cost enrollees. But it would keep two Obamacare-era taxes on the wealthy and maintains significant cuts to Medicaid, meaning 15 million fewer people could insured by the program by 2026.
Majority Leader Mitch McConnell is still in search of the 50 votes he needs to pass the bill — he can only afford to lose two senators — but the hope for leadership is that a few changes may be able to finally get Republicans on a path to repeal and replace Obamacare after seven years of campaign promises.
Already on Thursday Sen. Rand Paul of Kentucky said he wouldn’t even support the motion to debate the bill on the floor.
Sen. Susan Collins, a Republican from Maine, also told reporters that she would not vote for the motion to proceed unless she saw significant signs from the nonpartisan scoring agency — the Congressional Budget Office — that the cuts to Medicaid would be less severe than she anticipated.
“The only thing that can change that is if the CBO announcement, which come out on Monday, indicates that there would be far fewer in Medicaid than I believe there are now,” Collins said.
Emerging from a meeting with fellow senators Thursday, Republicans were cautiously optimistic with many saying they needed to sit down to read the bill before they made any final decisions.
Sen. Jeff Flake, an Arizona Republican, said he was “still thinking” as reporters swarmed him.
Sen. Bill Cassidy of Louisiana said “I always want to say I criticized Nancy Pelosi for saying ‘we got to pass the bill to know what’s in it.’ I want to know what’s in it before I say I’m gonna pass the bill.”
Moderates from Medicaid expansion states continued to voice their concerns about the new bill. West Virginia Republican Sen. Shelley Moore Capito said she was “very much undecided” and would meet once again with McConnell this afternoon.
“I still think there’s a lot of unanswered questions particularly coming from a state that has a high percent of people with pre-exiting conditions,” she said.
Alaska Sen. Lisa Murkowski, one of the GOP holdouts, was unhappy that reporters had seen a summary distributed to lobbyists before she had seen the bill.
Asked if she was upset by how the process unfolded, she said “yes.”
“I think that as a courtesy to those of us who are actually making the decisions that we would actually have an opportunity to see it first,” Murkowski added.
A major question remains whether President Donald Trump can use his bully pulpit to actually move senators.
Trump has lobbied for Republicans to move quickly. The President said Wednesday he would be “very angry” if Republicans can’t pass the bill.
“I don’t even want to talk about it because I think it would be very bad,” Trump said in an interview with the Christian Broadcasting Network. “I will be very angry about it and a lot of people will be very upset.”

What’s new?

The revised legislation has $45 billion in opioid treatment funding — a top request from senators like Rob Portman of Ohio and Shelley Moore Capito of West Virginia — as well as in state stabilization money aimed at lowering premiums for high-cost enrollees.
But another concern for moderate senators — that the Senate bill makes steep cuts to Medicaid funding — was not addressed in the new version. The original bill calls for slashing $772 billion from Medicaid by 2026, compared to current law, leaving 15 million fewer people insured by the program.
In a retreat from a key GOP promise, the bill would also keep two Obamacare-era taxes on the wealthy. That came as members said they worried about the optics of cutting taxes for the rich while also slashing funding for subsidies that go to help low-income people to buy insurance. Retaining the taxes, which saves the federal government $230 billion over 10 years, provides McConnell money to help boost the stabilization fund, sources said. But it is also likely to infuriate conservative lawmakers and lobbying groups.
The legislation would allow consumers to use their health savings accounts to pay their premiums for the first time, which Cruz called “very significant.”

Graham plan

Also Thursday, GOP Sens. Cassidy and Lindsey Graham of South Carolina proposed an alternative approach to replacing Obamacare that would keep much of the federal taxes in place and sending that money to the states to control.
They say that one of the primary reasons Republicans are having such a hard time agreeing is because they are working from the Obamacare template — particularly federal control of health insurance.

Cruz amendment

Cruz’s so-called Consumer Freedom amendment is considered contentious among Republican senators with some moderates having raised concerns that it could hurt those with pre-existing conditions. The amendment would allow insurers that offer Obamacare plans on the exchanges to also sell policies that are exempt from certain of the law’s mandates. That could allow carriers to provide less comprehensive plans with lower premiums, which would likely attract younger and healthier Americans.
But that would leave the sicker, more expensive consumers in the Obamacare plans, causing their premiums to spike.
Offering Obamacare plans will also make insurers eligible for new federal funding aimed at helping insurers pay for high-cost enrollees.
Sen. Mike Lee — a Utah Republican and close Cruz ally — tweeted Thursday morning to say that he has not seen the newest version of the Cruz amendment included in leadership’s health care bill and was unsure if he could support it.
There’s also no guarantee the Cruz amendment — in whatever form — will even get a Senate vote. It could be stripped from bill at any time as GOP leaders negotiate and work their way through Senate rules.
Insurers, who have largely stayed on the sideline in the health care debate, voiced strong opposition to the amendment, saying it would destabilize the individual market. Two major lobbying groups said this week that it would create two sets of rules and make coverage unaffordable to those who are sick.
“I’m writing to make clear my view on how the ‘Consumer Freedom Option’ is unworkable as it would undermine pre-existing condition protections, increase premiums and destabilize the market,” Scott Serota, CEO of Association of Independent Blue Cross Blue Shield Plans, wrote to Senators Cruz and Lee earlier this week.

Senator Ted Cruz Hit The Republicans Biggest Issue Straight In The Face: And He Doesn’t Even See It

 

 

Yesterday just as I was switching off my t.v. set I caught one line spoken by Senator Cruz as he was attempting to bash Senator Marco Rubio in a speech. It is this one line that to me says all that most of us Americans need to hear in comparing these two men and how they feel about the issues. Senator Cruz speaking about Senator Rubio in a very negative manner said “he is willing to negotiate with the Democrats”! I like most of the American people are sick and tired of the gridlock in D.C., that is a poll topper. Yet the tails of these two Parties  have been waging the dog for to long. Senator Cruz believes that he should be the President because he would get things done. Okay, how? By not ever compromising with the Democrats, by making sure that absolutely nothing but his will get done? Senator Cruz, you are the face of gridlock and your actions in your campaign have also helped mark you as the face of hypocrisy. People like Mr. Cruz truly don’t understand that we the people of this Country are going to require action out of this next President and Congress and having a President whom won’t negotiate with both sides of Congress….

Well Senator Cruz, you will soon see that we the people simply are not interested in you as a person or your politics. Your un-Christian actions have turned many people, Christian and non-Christians away from considering you. If Senator Cruz is correct, and I hope that he is on this one issue, then if we the people want for the government to start functioning much better, we should vote for Senator Rubio and definitely not him.

Ted Cruz Not Beholding To The big banks: That Is A Huge Lie!

 

Within the last four years Ted Cruz is attempting to go from a political ‘who’ to being the President of the United States. So, who is this dude who in 2012 when he was attempting to become a U.S. Senator ran on the story-line of not being beholding to the ‘Big Banks’. Sir, even with you being born in Canada being an issue right now as to whether you are technically eligible to hold the Office, I believe let the U.S. Supreme Court just tell us one way or the other. Folks, make this issue be settled ASAP, so that it can become a non-issue, and possibly disqualify this man outright. I have never trusted this man personally, as a Christian I have just not felt good vibes coming from him, ever. Mr Cruz exploits his ‘Christian Faith’ to help him garner votes both in his Texas Senate Campaign and now in his Presidential Campaign, yet his ‘not beholding to Big Banks’ propaganda is evidently just a lie. It appears that Mr and Mrs Cruz did put everything up in hock to help support his Senate campaign and for those kind of guts I do commend both him and his wife. But, and a really, really, big but, Mrs Cruz was employed by a Wall-Street Bank and that bank as well as one other Wall-Street Bank gave the couple a cool Million-Dollars in loans to help fund the campaign. The lies get even better, he violated Congressional Law by not reporting these loans to the Congress when he was sworn in. If you or I lie to Congress the FBI comes and give us a visit, I doubt that Mr Cruz will be getting any bracelets anytime soon though.

On a personal opinion, I as a fundamentalist Christian do not want anyone whom actually believe (as Mr Cruz) says he does, that the Earth was created in a literal six-human day event, is too stupid and to ignorant to be ever welcomed in ‘Our’ Oval Office! Can a person who was educated at among other places, Harvard Law, be so ignorant of what the Scriptures teach? If Mr Cruz is as lacking in knowledgeable of our Nations laws as he is in God’s Laws (don’t base your campaign on a lie)! What lie Mr Cruz? How about the not being beholding to big banks lie?

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