Yours Truly has a guest opinion piece in our local paper, The Intelligencer, rebutting PA-8 representative Congressman Mike Fitzpatrick’s ideas about reforming healthcare.
With health care law repeal, many consumer protections would disappear
By Theresa BrownGold
Constituents familiar with my art and advocacy work often send me letters about health care they receive from our congressman, Mike Fitzpatrick. In some letters, the congressman mixes unhelpful talking points with his less well-known proposals. At times, the congressman even makes a strong case for Obamacare, albeit unwittingly.
The congressman says he wants to retain some of Obamacare’s consumer protections, such as keeping children on their parents’ policies until age 26 and providing coverage to those with pre-existing conditions (guaranteed issue). Who doesn’t? These goodies, however, need to be paid for.
By flirting with the notion of saving some of Obamacare’s consumer protections, the congressman should then list the consumer protections he’d discard by having the law repealed.
Here are just a few: no copays for preventive services, no dropping of coverage if you become ill (rescission), no more charging more for women, no more annual or lifetime caps on coverage and no more referrals for ob-gyn. Would our congressman get rid of accountable care organizations and medical homes that reward providers for outcomes, or the prescription drug benefit saving seniors billions (“closing the doughnut hole”)? How about transparency rules on the exchanges (easy to understand policies), telling the insurance companies they have to spend at least 80 cents of every dollar on actual care, requiring an outside agency to review exorbitant premium hikes, the SHOP exchange for small businesses, a limit to out-of-pocket expenses, essential health benefits (insurance policies can’t be too skimpy), subsidies to help lower-wage earners afford insurance and freedom from “job-lock” (stuck in a job for the insurance)?
And how would the congressman propose paying to repeal the Affordable Care Act? The Congressional Budget Office’s latest report says repealing the health care law would actually raise the deficit $109 billion over 10 years.
The congressman advocates selling insurance across state lines. This is an exceptionally bad idea. Insurance companies would set up in states with the fewest regulations and then be able to sell their skimpy policies to anyone in the country for cheap. Individual states’ insurance regulations and consumer protections would become null and void. He would, essentially, be nationalizing a new low standard for insurance coverage, squeezing states’ regulations out of the picture. Please note an insurance company can sell in any state now if it wishes to go through a state’s licensing process.
The congressman supports association health plans, where small businesses band together for greater purchasing power. What’s to stop businesses from doing that now? Chambers of commerce, guilds and associations have been offering insurance at group rates to their members for years. Furthermore, a business must shoulder the cost of joining that association before being allowed to purchase its group insurance. As far back as 2011, the Robert Wood Johnson Foundation reported employer-based coverage has been dropping precipitously. That trend has not changed, even though group insurance through associations has long been available.
Obamacare, on the other hand, takes this idea of pooling purchasing power by establishing small-business exchanges called SHOP. Small businesses will be able to go to the online marketplaces and buy group policies with the purchasing power of large businesses. Small businesses have been paying about 18 percent more than larger businesses for group insurance. SHOP looks to remedy this disparity.
Congressman Fitzpatrick is an advocate for tort reform as a way to end the practice of expensive defensive medicine. Ten years after Texas passed tort reform, doctors are seeing their malpractice premiums drop, but more people are not able to buy insurance and get health care. The notion that tort reform will cause premiums to fall, thereby giving millions of uninsured folks access to health insurance, has been debunked by the U.S. Census Bureau. In 2003, Texas held the top spot with 25 percent of its population uninsured. Ten years after tort reform, Texas still claims that dubious honor.
Theresa BrownGold, New Britain Township, is a portrait painter and uses her art to start dialogue around social issues. As a Pennsylvania Health Access Network certified trainer, she gives presentations about the Affordable Care Act.