“You call up doctors and ask the price…”

[no_such_reality]

I read through the highlights last night. I’ll need to read the whole thing.

What I read was Obamacare with a 5x spread instead off 3x allowing insurers to make it cheaper for younger groups and a shift of financial aid to go more to their constituent base.

Nutshell, 20& 30s insurance cheaper that under ACA, 40 about the same. 50 and 60 more. Those 50&60s will pick up a $3500-$4500 tax credit (credit not deduction) up to $150k per couple and phase out incrementally over that. Everyone else gets a tax credit too.

They shell gamed the cost and credits otherwise it’s Obamacare. Can’t imagine this isn’t massively more expensive since it’s pork for all.

[Anonymous]

The legislation would [forbid] insurers to deny coverage or charge more to people with preexisting medical problems.

[…] the government would no longer penalize Americans for failing to have health insurance but would try to encourage people to maintain coverage by allowing insurers to impose a surcharge of 30 percent for those who have a gap between health plans.

Golly gee, that’s how all insurance should work!

[FlyerInHi]

From what I read, the Republican plan is far from a repeal and replace. It’s Obamacare light.

So how are people going to pay their premiums if they have to wait for the refundable credit? Presumably the IRS would advance the credit to the insurer and the taxpayer is billed the difference monthly? What an administrative nightmare.

The funny thing is that Obamacare was supposed to be a derisive name, but soon people will remember the good old days of Obamacare. I saw a woman on TV saying how she despises the name Obamacare. She’s on it and would rather call it ACA, haha

Sean Spicer said that Obamacare is killing small businesses. That is false and I should know since I’m partner in a small business. We don’t have employer provided insurance and, thanks to Obamacare, our employees are covered.

[all]

So, a family of 5 earning $150,000/year with employer-based coverage gets to pocket $13k-$14k/year?

[ocrenter]

the measure of a plan’s success comes at how it prevents and reduces ER visits.

tax credits that disproportionally favor people that pay taxes (and thus have insurance already) doesn’t address the issue of the lower income groups that previously treated the ER as their source of primary care.

the tax credit scheme can work if the Republicans are willing to remove the mandate for the ER to treat the sick and dying.

[Anonymous]

[quote=ocrenter]the measure of a plan’s success comes at how it prevents and reduces ER visits. [/quote]

That is an important measure.

Another measure is how it prevents ER visits that are never paid.

From what I can see, the Republican plan doesn’t even attempt to address this problem.

Back to square one.

[ocrenter]

[quote=harvey][quote=ocrenter]the measure of a plan’s success comes at how it prevents and reduces ER visits. [/quote]

That is an important measure.

Another measure is how it prevents ER visits that are never paid.

From what I can see, the Republican plan doesn’t even attempt to address this problem.

Back to square one.[/quote]

Yup. Repeal and replace, and watch that cost start to climb once again. And maybe next time around we might just get enough courage to go all out for universal coverage.

[no_such_reality]

Currently Medicaid costs are $552 Billion for ACA.

At the propose income limits for the tax credit per filer, 90% of return have AGI that qualify. Assuming married filing jointly get two and singles get one tax credit that averages $3000, we’re over $500 billion in tax credit.

Seems like they just proposed a trillion dollar program. Which afaict, is close to $400 billion more than current.

The cost of he U.K. System for our population size at he same expenditure per capita is $1.1 trillion.

[Anonymous]

It now has an official name:

https://www.congress.gov/bill/115th-congress/house-bill/1275/text

Apparently there’s been more than one bill introduced, but how could anyone argue against this one?

[outtamojo]

[quote=harvey]It now has an official name:

https://www.congress.gov/bill/115th-congress/house-bill/1275/text

Apparently there’s been more than one bill introduced, but how could anyone argue against this one?[/quote]

It should be called Putincare. They’re also going to have to throw in some racist/anti-immigrant provisions for coverage in order to get the GOP solidly behind it.

[FlyerInHi]

[quote=all]So, a family of 5 earning $150,000/year with employer-based coverage gets to pocket $13k-$14k/year?[/quote]

Nope

http://healthaffairs.org/blog/2017/03/07/examining-the-house-republican-aca-repeal-and-replace-legislation/

Individuals only qualify for the tax credit if they are

covered by state-approved individual health insurance that does not cover non-excepted abortions (not including excepted benefits coverage such as indemnity policies, or grandfathered or grandmothered coverage, but possibly short-term coverage) or unsubsidized COBRA coverage;
not eligible for employer coverage (regardless of its adequacy or affordability) or government programs (the leaked draft required ineligibility for health care sharing ministries, but the final bills do not refer to them);
citizens or nationals of the United States or qualified aliens; and
not incarcerated other than pending disposition of charges.

[no_such_reality]

I foresee a lot of small employers dropping their plans.

Think about it, if your employer doesn’t pay the bulk of the insurance and you’re a 40 something family of 4 you’d get $10,000 of tax credit if your employer doesn’t offer a plan, that’s $850/month towards a health plan on the individual market.

If they do offer something, you get nothing. Even if that something is a sub-60% plan.

As a couple you only can claim the benefit by filing jointly. So in the case of a prior employer that offered $400/month towards individual or family group plan. I wouldn’t be able to get the tax credit for either myself, my spouse or kid.

Going to be a lot of mad worker bees when they figure that out.

I really doubt most employers will give the people pay raises of the few hundred per month that they contribute today towards health plans and say ‘here’s a compensating pay raise’ now go buy your own and take the Fed tax credit…

[Anonymous]

I would say it’s amazing that they haven’t thought through these basic scenarios.

But I’m not surprised.

This plan has no coherent architecture. It’s just a patchwork of giveaways.

[enron_by_the_sea]

The sad thing is most of these issues were discussed when ACA was passed. That is why it is how it is.

So we have people who had 7+ years to figure it out and this is all they have! sad.

[FlyerInHi]

This is an analysis of how Trump working class supporters got scammed.
Oh well, they made their beds….

https://www.washingtonpost.com/blogs/plum-line/wp/2017/03/10/trump-scammed-many-of-his-working-class-supporters-this-new-analysis-leaves-little-doubt/?tid=pm_opinions_pop&utm_term=.d2cb97987835

[Author]

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