[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 administrations
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.
Will Create Its Own Demand
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