Obamacare – Savannah Unplugged http://www.billdawers.com Mon, 30 Dec 2013 16:35:21 +0000 en-US hourly 1 https://wordpress.org/?v=7.1.3 18778551 A wonkish look at ACA signups, state by state http://www.billdawers.com/2013/12/29/a-wonkish-look-at-aca-signups-state-by-state/ Sun, 29 Dec 2013 22:36:08 +0000 http://www.billdawers.com/?p=6553 Read more →

]]>
If you’re interested in following the course of the Affordable Care Act (aka, Obamacare), then you ought to be keeping track of changes at Charles Gaba’s site ACASignups.net.

The same data is a little easier to read, I think, via this Google doc.

The spreadsheet is pretty complicated, as one would expect of such a complex law, but it clearly shows a few key things:

  • As of the end of 2013, at least 2 million Americans have signed up for private insurance through exchanges.
  • At least 4 million Americans have newly enrolled in Medicaid.
  • Most of the new enrollees in Medicaid are in states that have accepted the ACA expansion, but the so-called “woodwork effect” is leading to additional signups even in states that haven’t expanded the program.
  • Another 3 million or so Americans  in their 20s are receiving insurance from their parents’ plans — an Obamacare provision that has been in place for three years.
  • So that’s over 9 million Americans who have insurance today because of the ACA.
  • That 9 million does not include any Americans who bypassed the exchanges because of technical problems and signed up directly with insurers on the exchange.
  • Predictably, states like Georgia that did not set up their own exchanges, that did not accept the Medicaid expansion, and that are making no efforts to market the ACA are seeing relatively few new residents being covered under the law.
  • For example, Georgia has only had about 7,000 exchange enrollees and about 11,000 new Medicaid signups. Compare that to the almost 2 million uninsured residents of Georgia
  • Kentucky, on the other hand, which set up its own exchange and has expanded Medicaid, has already seen (as of 12/21) about 26,000 exchange enrollees and 74,000 new Medicaid recipients. So Kentucky has already reduced its percentage of uninsured by about 15 percent.
  • We are only halfway through the enrollment period for the exchanges — and the first two months of the federal exchange were a disaster.

It’s frequently being claimed that the exchanges need a total of 7 million signups for viability, but that’s not true. That number is the CBO projection of exchange enrollees, but the exchanges might be viable with far fewer.

I suspect we’ll see some upward revisions of these year-end numbers. We’ll likely see a pretty quiet few weeks at the start of January, but I suspect we’ll see steady numbers into March, and then see another big surge in signups in the final couple of weeks of March.

The ACA is far from perfect and has disrupted insurance for some unspecified number of Americans — some have lost coverage and others will have to pay more than they used to.

But by mid-year, we’ll have millions more Americans covered by insurance than we had just a few months ago.

]]>
6553
Gov. Deal: Ga. will give up state control, let federal government run insurance exchange http://www.billdawers.com/2012/11/17/gov-deal-ga-will-give-up-state-control-let-federal-government-run-insurance-exchange/ Sat, 17 Nov 2012 13:22:52 +0000 http://www.billdawers.com/?p=4179 ]]> I understand why Governor Deal, his administration, and other Republican-controlled state governments delayed preparations to comply with the Affordable Care Act/Obamacare.

But, after the Supreme Court upheld the vast majority of the law, there were plenty of reasons to assume that the ACA — or the vast majority of it — would still go into effect even under a Romney presidency:

  • Even if one discounted the presidential polling, it has looked unlikely for months that Republicans would gain control of the Senate, and it was never realistic for them to establish a 60 vote majority in that chamber.
  • Of the major components of Obamacare, the individual mandate is the only one that polls badly with the American people. And the mandate really isn’t a mandate, since taxpayers can just pay a higher tax if they choose to remain uninsured.
  • Some of the other components of Obamacare are highly popular, like parents being able to keep children on their plans till age 26, and would be hard to overturn even if there had been a Republican landslide.
  • Obamacare is at heart a Republican plan, even if many have now rebuke it. Mitt Romney instituted a very similar plan in Massachusetts. Given his policy shifting over the decades, did anyone think Romney was really serious about totally throwing Obamacare out and starting all over with some new undefined plan?

By delaying their preparations, states like Georgia put themselves in a bind. The ACA is going into effect, and states need to play catch up if they want to make the law work as well as possible for their citizens.

Yesterday, Governor Deal, citing too many restrictions in how the states can run their own insurance exchanges, ceded power to the federal government to establish and operate the online insurance exchange from which uninsured Georgians will choose their coverage (or not).

So because the state can’t have enough control, we’ve opted not to have any control.

From the AJC’s Georgia cedes control of health insurance exchange to feds:

The exchanges are a pillar of the landmark law that aims to provide millions of uninsured Americans with health coverage. They are online marketplaces where consumers and small businesses will be able to compare the quality and prices of health plans. An estimated 900,000 Georgians are expected to shop on the exchange website — where people will also be able to find out if they are eligible for Medicaid, the government health program for the poor, or federal subsidies designed to make coverage affordable.

Industry observers say a state-created exchange would have been able to respond more quickly to market forces unique to Georgia.

The state also could have had some flexibility in how an exchange operated, such as who would govern it and how it contracts with health plans, said Tim Sweeney, a health-care policy expert at the nonprofit Georgia Budget and Policy Institute.

While Georgia choosing not to create its own exchange may be a missed opportunity, consumers will still have access to the same options under a federal marketplace, Sweeney added.

“It’s important for people to know that there will still be an exchange here,” he said. “Other provisions of the law will be implemented … this is not opting out of the law.”

Governor Deal is also likely to reject the expansion of Medicaid in the state. That’s a key part of the law, too, but the Supreme Court allowed states to opt out of that. At first, the Medicaid expansion would be 100 percent federally funded, and then funded later at 90 percent (if I have my numbers right). So the state government would have to pay relatively little for the dramatic expansion of insurance to low income Georgians. But if we reject that expansion out of principle, keep in mind that Georgians’ federal taxes will at the same time be supporting Medicaid expansion in other states.

And we already guarantee emergency treatment — very expensive treatment — for low income citizens. The Medicaid expansion would give those same people access to preventive care and other basic services that could pre-empt more costly emergency room visits and, more importantly, improve quality of life.

From the Georgia Budget and Policy Institute’s recent post Expanding Medicaid to cover more Georgians is a great deal for Georgia:

Financially, the expansion is a great deal for Georgia because the federal government will pick up the vast majority of the costs – and the state will spend less on services for Georgians without health insurance, because there will be dramatically fewer people without coverage.

The expansion will also give a boost to Georgia’s economy because the federal money coming in will pay salaries of nurses, doctors and other health care workers all over the state.

Finally, and perhaps most importantly, the expansion will save lives and improve the health and well-being of the Georgians who will get needed health care. Georgians who become newly covered through the Medicaid expansion will be healthier and more financially secure as a result, recently published (and still ongoing) studies show.

I actually feel pretty confident that Georgia will eventually get on board with the Medicaid expansion. If the federally established health care exchange works decently well, we might not opt for a state-run one. But that would be too bad.

Republican leaders who have opposed and continue to oppose Obamacare have two options, as I noted in the comments of a lively conversation at Peach Pundit.

They can keep trying to resist it even though it’s the law of the land. That course will virtually guarantee that the law won’t help citizens as much as it could.

Or they can get in the game, implement the existing law as well as possible, and work from within to change it.

]]>
4179
Health care, Obamacare, insurance reform — a collection of interesting links http://www.billdawers.com/2012/07/03/health-care-obamacare-insurance-reform-a-collection-of-interesting-links/ Tue, 03 Jul 2012 14:25:35 +0000 http://www.billdawers.com/?p=3304 Read more →

]]>
I’m going to bet that the Affordable Care Act is going to become significantly more popular now that Americans are increasingly focused on the law’s practical effects.

I think there are some extremely problematic elements, but parts of the law have been broadly popular right through the debates, like allowing children to stay on their parents’ plans until age 26 and giving chances for people with pre-existing conditions to buy insurance. The individual “mandate” is broadly unpopular, but it’s not really a mandate — anyone who wants to can opt out of buying insurance and pay a penalty at tax time. As I discussed in a recent post, many will figure out how to avoid paying the penalty entirely.

Anyway, I could go on and on about all that, but this post is just to include some interesting links to pieces I’ve read this morning.

First a moving column from Dr. Mark Murphy in today’s Savannah Morning News:

To compartmentalize health care into a political football batted back and forth between the Democrats and Republicans loses sight of its most fundamental element. Health care is not about politics. It transcends that on so many levels.

It is about little Bobby having surgery for a lazy eye, or waiting all night in the hospital lobby after a teenage boy’s car accident to hear the trauma surgeon say, “He made it.” The ragged cry of a newborn, an old woman’s first step after a hip replacement, and each and every tear shed over lives lost and gained are all part of the equation.

Health care is about all of us.

So when you hear the seemingly political debates and want to plug up your ears over the buffoonery of the election season, think about this: Think about the people you love. Think about the dedicated doctors, nurses and other health care professionals who sacrifice their precious time and limited energies to take care of others they barely even know.

The SMN editorial encouraging sober, rational discussion about whether to opt out of the Medicaid expansion, which would insure approximately 700,000 low income Georgians:

If Mr. Deal and state leaders decide that Georgia won’t take part in Medicaid expansion, some of these Georgians could qualify for a subsidy that will be available through Obamacare and then buy insurance through a special exchange that will be set up. Then they would have coverage — and avoid a federal tax they’d have to otherwise pay.

Hospital officials in Georgia say they have to eat $1.5 billion in expenses each year to treat the poor and uninsured. That’s huge. To keep their doors open, they must shift costs to paying patients.

All this cost-shifting makes it tougher to follow the money. Just where is it going? Is it fair compensation? Or is there a better way? That’s what Mr. Deal and other state leaders must find out.

From the AJC regarding insurance from those with pre-existing conditions, which concludes with an anecdote about former Savannah Morning News writer Amy Swann:

Amy Swann sees it differently. The 48-year-old from Augusta believes she would be dead without the health care law.

Swann suffers from a genetic heart condition that killed her father at 46. A few years ago, Swann quit her job to care full-time for her ailing mother, who suffered from dementia. Her COBRA insurance eventually ran out. Her mother’s teacher pension checks, which had kept them afloat, stopped coming when she died last year.

Without insurance, Swann couldn’t get the treatments she desperately needed. Her heart began racing. She became bloated — gaining 25 pounds of fluid.

“I don’t think people understand that your life can change forever in a second,” she said. “A broken leg will put you into bankruptcy.”

Last August, Swann joined the Pre-existing Condition Insurance Plan after having no insurance for the requisite six months. Surgeons implanted a defibrillator in her chest late last year, and Swann said she’ll likely need a heart transplant at some point.

“I have to hang on to this insurance no matter what happens,” she said. “If President Obama had not pushed these policies through, I would be a dead girl walking.”

And from another AP piece, Mass. health law may bode well for federal law: A

An additional 400,000 individuals have gained insurance since 2006, meaning about 98 percent of residents have coverage.

A recent study by the Blue Cross Blue Shield of Massachusetts Foundation found that between 2006 and 2010, the use of emergency rooms for non-emergency reasons fell nearly 4 percent. That was a key goal of the law, since using emergency rooms for routine care is far more expensive than visiting a doctor.

State health officials also point to what they say are increases in mammograms, colon cancer screenings and prenatal care visits and a 150,000-person reduction in the number of smokers after the state expanded coverage for smoking cessation programs.

“Since Gov. Romney signed health care reform here in Massachusetts, more private companies are offering health care to their employees, fewer people are getting primary care in an expensive emergency room setting, and hundreds of thousands of our friends and neighbors have access to care,” said Gov. Deval Patrick, a Democrat and co-chairman of Obama’s re-election committee.

Another reason the law remains popular may be that so many Massachusetts residents receive insurance through work and have been largely untouched by its penalties. The Blue Cross Blue Shield study found 68 percent of non-elderly adults received coverage through their employers in 2010, up from about 64 percent in 2006.

So employer insurance coverage actually increased in Massachusetts since the law was changed in 2006?

]]>
3304
My first take on the Supreme Court ruling on Obamacare http://www.billdawers.com/2012/06/28/my-first-take-on-the-supreme-court-ruling-on-obamacare/ http://www.billdawers.com/2012/06/28/my-first-take-on-the-supreme-court-ruling-on-obamacare/#comments Thu, 28 Jun 2012 16:34:06 +0000 http://www.billdawers.com/?p=3265 ]]> I taught the Public Affairs Reporting class at Armstrong this past spring, and I was pretty certain that the individual mandate in the Affordable Care Act (Obamacare) would be upheld after a student – Nancy Rentz – delved deeply into the law for a paper.

Those without insurance are not in fact mandated to buy insurance. They are told that they should, are given avenues to do so that in theory would be affordable (but, as Nancy pointed out, probably won’t be for many), and are threatened with penalties if they don’t.

If the uninsured do not buy insurance, they will be penalized through the tax code. But the IRS has no clear methods for collecting the penalty from those who are determined not to pay it. For taxpayers due refunds, the IRS can simply deduct the penalty from the refund if the taxpayer does not include it in the filing. But those who opt not to pay the penalty and who are not due a refund are apparently in the clear – as I understand it, the penalty is not subject to tax liens and criminal enforcement.

Obamacare supporters never liked to call the mandate a tax, but that simple reality seems to have been at the heart of the 5-4 Supreme Court decision today.

I support the ACA, but I agree that the bill is a big sprawling mess. To a significant degree, it’s a mess because Congressional Republicans thought that they could kill it rather than work on compromise proposals that could actually attract some bipartisan support and move us toward universal coverage. We are the only industrialized nation with such a large number of uninsured people, and we desperately need to address that. There are many ways to get there, and Obamacare actually incorporates ideas – like the individual mandate – that used to be widely supported by Republicans.

So the ACA seems like a starting point – not a great one by any means, not even a good one. But it’s a starting point.

For all the talk of a politicized Supreme Court, I was glad to see Chief Justice Roberts be the author of such a practical and easily understandable decision. If Roberts had ruled against the law along with the other four more conservative justices, the court itself would have become a huge issue in this fall’s election and a bitter, partisan 5-4 overturning of Obamacare could have overshadowed many of the court’s future decisions.

Roberts is just 57 and will likely be Chief Justice for a couple of more decades. He has a lot to lose in both power and respect if the Supreme Court is widely viewed as nothing but a partisan political arm of one party or the other.

]]>
http://www.billdawers.com/2012/06/28/my-first-take-on-the-supreme-court-ruling-on-obamacare/feed/ 3 3265