[Rushtalk] We'll See.............

John A. Quayle blueoval57 at verizon.net
Wed Nov 6 23:07:18 MST 2013

Will Stop Insurance Cancellations

Written By : Dick Morris
November 6, 2013

Democrats in the House and Senate will force 
President Obama to stop canceling insurance 
policies and restore those he has already caused 
insurance companies to cancel. The Party simply 
cannot go into the next election with tens of 
millions of voters angry at them for costing them 
their health insurance. Especially after the 
president made “If you like your health care 
plan, you can keep your health care plan” the 
signature statement of his administration’s 
policy, these cancellations carry too big a 
political price for his party to bear.



Dick Morris 3

Which congressman can face his district having 
voted for legislation that canceled the health 
insurance that protected 100,000 of his 
constituents? The pretense that the new policies 
they find on the exchanges will be better and 
cheaper than the policies they already have will 
have been exposed as a lie and the congressman 
will face a very difficult road to re-election.

Democrats will realize that they have no chance 
of taking the House or of keeping the Senate 
after they have cancelled the health plans of 50 
million Americans over their objections.

To roll back the cancellations and to prevent 
future terminations would require no statutory 
amendment of the ACA legislation. For both 
individuals and employers, the Affordable Care 
Act provides that policies in force before 
February 2010 will be grandfathered in and 
accepted even if they fall short of the exalted requirements of HHS regulators.

The cancellations stem not from anything in the 
law itself but from regulations adopted by HHS 
after its passage ­ and never affirmed by 
Congress. These administrative fiats preclude 
grandfathering in any policies that have been 
changed, in any way, since February 2010. Any 
change in premiums, deductibles, coverage, 
eligibility, and so forth, triggers the 
termination of the policy unless it is fully in 
conformity with Obamacare standards.

Democrats will argue that they never intended for 
the grandfather clause to be waived so easily. 
They will argue that they inserted the provision 
precisely to permit the president to claim that 
“If you like your health care plan, you can keep 
your health care plan.” They will say that they 
were never consulted on the Department of Health 
and Human Services regulation that effectively 
vitiates the grandfather provision and will demand its repeal.

The president, with his personal credibility at 
stake, will have to give in and void the HHS 
regulation. He cannot afford to have his legacy 
become one of a big lie that impacted tens of millions of Americans.

What happens then?

Without the cascade of new Obamacare enrollments 
that would be generated by a steam of 
cancellations of current coverage, the enrollment 
statistics for Obamacare will be pathetic. They 
will be a national joke, much as the glitches in 
the enrollment process itself has turned out to be.

State statistics indicate that between 65 percent 
and 85 percent of the enrollments have been in 
traditional Medicaid (2/3 under the new 
eligibility and 1/3 under the old standards). The 
number of Obamacare enrollments is miniscule.

People will soon learn that the fines for not 
have insurance are nominal. $95 is enough for a 
dinner and a movie, not a significant enough 
threat to force a single person to buy a policy 
that might cost him the equivalent of a car 
($300/month). Nor will the threatened escalation 
of the fine in the out years to $250 do much to 
frighten people and to cause them to enroll and 
pay a multiple of that sum for insurance they neither need nor want.

Obviously, Congress will never raise the 
penalties and the IRS will do little to enforce 
them. The individual mandate will become a national farce.

And so Obamacare will likely have all of three or 
four million participants ­ if that! It will be 
dwarfed by the 100 million on Medicaid and the 
170 million with individual or employer based insurance.

That level of participation will never justify 
the administrative superstructure that has been 
created to run it. Obamacare will fade into 
oblivion as a token program, the penalty for 
giving a party that nobody attended.

Also see,

Will Create Its Own Demand
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