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View Diary: AWESOME Vanity Fair Piece on the GOP lies about Obamacare (91 comments)

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  •  Single payer is on the horizon (5+ / 0-)

    Kudos to VF for getting the word out.  The more people learn about the complexity of this program, the more they will push for something better.  

    ACA is just a transitory phase, on the way to a better system of health care.

    "The international world is wondering what happened to America's great heart and soul." Helen Thomas

    by Betty Pinson on Sat Sep 28, 2013 at 03:32:53 AM PDT

    •  Yes, single payer has (2+ / 0-)
      Recommended by:
      Betty Pinson, elwior

      been forecast as the future. Is this because the law limits the amount that insurance companies spend on "administrative" operations? Like starving the beast.

      A true craftsman will meticulously construct the apparatus of his own demise.

      by onionjim on Sat Sep 28, 2013 at 04:44:02 AM PDT

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      •  ACA doesn't go far enough on medical loss ratios (1+ / 0-)
        Recommended by:
        elwior

        The amount insurance companies are allowed to spend was negotiated up to the current level and insurance companies are already finding ways to circumvent the law.

        Obama's decision yesterday to allow the state of AR to privatize Medicaid by making premium payments directly to private insurance companies makes the situation worse, as those entities aren't subject to any MLR requirements.

        "The international world is wondering what happened to America's great heart and soul." Helen Thomas

        by Betty Pinson on Sat Sep 28, 2013 at 05:19:24 AM PDT

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        •  You Got a Reference For This? (0+ / 0-)
          directly to private insurance companies makes the situation worse, as those entities aren't subject to any MLR requirements.
          I believe MLR requirements hold across the board at all private insurance companies.   They definitely apply to employer-sponsored large group plans, not just to the exchanges.  I think it's all non-self funded plans.
          •  MLR only applies to (1+ / 0-)
            Recommended by:
            elwior

            employer based plans and those who sell insurance in the exchanges.  ACA only regulates insurance plans for which it provides tax incentives, etc.

            Under the Arkansas plans, the insurance companies will continue to be regulated by states - the regulatory system that existed prior to ACA.

            Below is a link to a KFF article about current Medicaid MCO's (Managed Care Organizations) and the states, most of which have no MLR.

            Link

            This is a big chunk of the federally funded health care system that still isn't regulated under ACA.

            It's yet unknown if AR will use MCO's for their demonstration project, but currently there's no MLR regulation for Arkansas "Private Option" insurers.  Their plan is very clear that it will be regulated by the state Dept of Insurance.

            Link

            "The international world is wondering what happened to America's great heart and soul." Helen Thomas

            by Betty Pinson on Sat Sep 28, 2013 at 09:01:32 AM PDT

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        •  If that's true (0+ / 0-)

          then these companies will have less coverage or higher prices, and they would theoretically lose market share in the exchanges.

          Inevitably there is reason to see falling insurance costs, up to a point.

          A true craftsman will meticulously construct the apparatus of his own demise.

          by onionjim on Sat Sep 28, 2013 at 06:41:41 AM PDT

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          •  These companies aren't in Exchanges (2+ / 0-)
            Recommended by:
            onionjim, elwior

            This is a completely different system, not part of ACA exchanges.  They're simply insurance companies that the individual state contracts with.  

            They will automatically receive Medicaid funding or "premiums" every month from the federal government, whether or not the patient actually uses the plan.

            Some states may call them "exchanges" but they're not regulated by the federal government, except to the degree that Medicaid is regulated.  The expansion of Medicaid was the only thing that was included in ACA.  There's no provision to regulate private insurance sold by states.

            "The international world is wondering what happened to America's great heart and soul." Helen Thomas

            by Betty Pinson on Sat Sep 28, 2013 at 09:18:43 AM PDT

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    •  Dream on... Look at the tax code (0+ / 0-)

      and see how much complexity is appreciated.

      I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

      by samddobermann on Sun Sep 29, 2013 at 07:29:07 PM PDT

      [ Parent ]

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