Medicare-for-All fine print: Are you ready to give up your current coverage?

Medicare For All: If Not Now, When?

Medicare-for-All fine print: Are you ready to give up your current coverage?

The rise of Medicare for All has triggered mixed reactions.  Supporters see it as a cause for hope — the culmination of decades of research, education, and advocacy.

  President Donald Trump, on the other hand, is dyspeptic, fuming in his recent State of the Union that single-payer would “bankrupt our nation,” and vowing not to “let socialism destroy American healthcare.

”  A third group expresses sympathy for the goals of Medicare for All, and even acknowledges its policy merits, but sees the political obstacles as insurmountable — and advises that advocacy for such reform should be abandoned because it risks undermining beneficial, and more realistic approaches.  

A clear-eyed assessment of institutional realities that will face the next presidential administration, Billy Wynn recently argued in the Health Affairs blog, should temper Democrats’ demands.

He cautioned that Democratic victories in federal elections are far from secure; that Medicare for All may not be passable via budget reconciliation even if Democrats take the Senate with only a simple majority; and that Democratic legislators are, in any event, hardly unified in support of Medicare for All.  Similarly, John E. McDonough recently warned that comprehensive healthcare reform has, in the past, required an elusive “super-majority Trifecta” — Democratic control of the House, Senate (with 60-seats), and Presidency.  Even under such favorable conditions, he contends, our political capital might be better invested elsewhere.

While the hurdles are certainly formidable, steep political odds hardly compel us to abandon Medicare for All.  Indeed, advice to drop the push for such reform rests on a misunderstanding of the dynamics of political change.

  History suggests that movements organized around ambitious demands can, over time, create the conditions for their passage — and that demands for radical change often advance, rather than undermine, the prospects for more incremental progress in the interim.

  As important, the life-and-death urgency of single-payer healthcare reform – too often underemphasized by its critics – has the potential to bring together a coalition of supporters across cultural, geographic and even class lines.

  It may, in other words, trigger a movement that could accomplish the unexpected.

  1. The Dynamics of Political Change: Lessons from History

The institutional barriers that critics describe are real enough, and cannot be waved away.  But they are also not immutable: throughout history, energizing issues have changed political contexts.  

Consider, for instance, the passage of Medicare and Medicaid in 1965.  Democrats had been stymied since the Truman administration in their efforts to pass a public national health insurance plan, obstructed in part by members of Congress intent on accommodating the insurance industry.

John McDonough is right to emphasize that, from a narrow perspective, a super-majority Trifecta made Medicare achievable.  1964 saw a historic electoral shift, that, as Ted Marmor has noted, all but “guaranteed the passage of legislation on medical care for the aged.

”  But the achievement was only possible because people had been laying the groundwork for Medicare for years prior to the pivotal election.

  Senior citizen groups, progressive activists, organized labor, and allies in the civil rights movement forced it onto the national political agenda, holding politicians feet to the fire year after year — a point made by Natalie Shure in the Nation.

 Moreover, it required years of legislative efforts and coalition building to ready the ground for the final push. Had supporters not done so — had everyone waited to design and advocate for Medicare until the political chess pieces were in perfect position — the window would have opened, the window would have closed, and Medicare might very well not have come to be. 

The same can be said for almost every sweeping political change in US history.

The abolition of slavery, the reforms of the New Deal era, the civil rights legislation of the 1960s, and the legalization of gay marriage — none would have happened if reformers had patiently waited for the proper political alignment in the halls of Congress before envisioning, designing, and demanding change.

 The 2020 elections may or may not cause a political earthquake on par with 1964, but it hardly follows from this that we ought to lower our sights.  After all, nobody can accurately predict when the pivotal shift will come.  We do know, however, that if we wait for it happen, we will already be too late.  

  1. The Urgency of National Health Insurance

Dismissing Medicare for All as impractical also neglects the moral urgency of reform.

That uninsurance is deadly is no longer up for debate.

    Quasi-experimental studies of multiple coverage expansions have demonstrated that insurance reduces mortality (confirming earlier observational work), including: the Massachusetts health reform (number needed to insure [NNI] to prevent one death a year: 830); pre-ACA state Medicaid expansions (NNI: 239-316); and now the ACA Medicaid expansions (NNI: ~714 for adults 19-64).  Two of these estimates are remarkably close to that of the randomized Oregon Medicaid Experiment (NNI: 769), although that effect estimate was not statistically significant.  Most recently, however, another randomized study — of an intervention by the Internal Revenue Service — provided powerful experimental evidence that health insurance is life-saving.   Regardless of which NNI estimate one uses, basic arithmetic makes clear that — with 30 million uninsured — tens of thousands of people are dying annually for lack of coverage.  Notably, such deaths from lack of medical care are occurring everywhere, not only in states that have not expanded Medicaid.  While non-expansion states have higher uninsurance rates, the number of uninsured in expansion states — for instance, 2.8 million in California and 1.0 million in New York — mean that hundreds or thousands are dying from lack of medical care a year in most states. 

Critics might respond, however, by noting that Medicare for All is not the only way to address this challenge — that there might be other, and easier, ways to realize universal coverage.  That being said, most other alternative health reform proposals would fail to achieve this end.

  Democratic presidential candidate Joseph Biden’s public option proposal, for instance, would leave some 3% of Americans (or approximately 10 million individuals) uninsured according to his campaign’s own estimates.

 A recent analysis by RAND researchers of a Medicare “buy-in” for those age 50-64 found that it would have “little to no effect on total health insurance enrollment.

”  An estimate from the Congressional Budget Office similarly found that a public option made available on the ACA exchanges would have “minimal effects on … the number of people who would be uninsured.

”  And a recent analysis from the Urban Institute found that a package of reforms that included a public option could leave as many as 21.3 million uninsured.  In fairness, other more expansive proposals might cover everyone.  Nonetheless, in addition to achieving universal coverage, Medicare for All is uniquely designed to do something else: achieve a universal improvement of coverage. 

Rising copays and deductibles are causing more and more patients to go without needed care, or to face harsh financial consequences when they do.

  Underinsurance is, today, as much a problem as uninsurance — and, according to estimates from the Commonwealth Fund, is growing most rapidly among those with employer-sponsored coverage.  Exhibit 1 provides rates of uninsurance (including those with lapses of coverage) and underinsurance in 2018.

  Overall, about 1 in 3 Americans — or more than 100 million individuals — fall into one of these categories, and can be classified as having deficient health coverage.    

Exhibit 1: Deficient health coverage in the United States, 2018

Source: 2018 National Health Interview Survey; 2018 Commonwealth Fund Biennial Health Insurance Survey; Commonwealth Fund analysis of 2012 Medicare Current Beneficiary Survey extrapolated to 2018 (see notes).

Notes:

1. These are individuals who were insured at the time of survey but uninsured within the last year; the category does not overlap with those who are currently uninsured or underinsured in the Commonwealth Fund report I draw it from.

  Of note, that analysis reported only 24 million uninsured, but this excludes children and seniors.  Adding the estimated 4.

1 million uninsured children in 2018 to the Commonwealth figure produces a similar number of total currently uninsured as the National Health Interview Survey estimate I use here.

2. Defined by the Commonwealth Fund investigators as having deductibles >= 5% of income or annual out-of-pocket spending in last year >= 10% of income (or >5% of income for those with low incomes).

3. In 2016, according to Commonwealth Fund estimates, 24% of Medicare beneficiaries were underinsured (defined as annual out-of-pocket spending >= 10% of income year, a narrower definition than used for the age 19-64 group).  Applied to the 2018 elderly population of 52 million, this translates to 12.6 million individuals.

4. The Commonwealth Fund investigators report a lower total of the “inadequately insured” of 87 million.  However, this estimate excludes both children and seniors who are uninsured and underinsured.  My estimate also excludes underinsured children, as I am unaware of recent estimates of underinsurance for this group.

Similar to uninsurance, underinsurance has staggering adverse effects on health.

  Exhibit 2 presents evidence, drawn exclusively from randomized or quasi-experimental studies, on the health consequences of copays or deductibles for patients with six conditions: high blood pressure, heart attacks, diabetes, breast cancer, multiple sclerosis, and rheumatoid arthritis.  For those with each of these diseases, cost-sharing deters the use of needed medications and care and, in many instances, causes demonstrable clinical harm. 

Exhibit 2: Health consequences of copays and deductibles for those with select diseases

Source: Author’s analysis of reports of randomized trials and quasi-experimental studies

Medicare for All — un other reforms — would alleviate such widespread and unnecessary suffering not merely by covering the uninsured, but by eliminating financial barriers to care.  Rising costs from higher care utilization will be offset by large savings from simplifying administration.

Indeed, a recent systematic review found that some 19 22 economic analyses of Medicare for All predicted overall savings in the first year as a result of such efficiencies.

  Transforming healthcare financing is what makes such an unprecedented coverage expansion economically— and hence politically — feasible.

The policy advantages of Medicare for All, in other words, aren’t mere minutiae: they are part of the force for political change. 

Yet policy and politics are linked in another, more fundamental way.  The experience of illness and of medical care is almost universal.  This means that in the United States, encounters with our dysfunctional healthcare financing system are also near universal.

  How many have never had a spell of being uninsured, dealt with an onerous copay or deductible, contended with a medical bill or collections agency, gone without needed care because of cost, or faced a denial of care from their insurer?  It is not merely uninsured Americans who have much to gain from single-payer reform, in in other words, but also those with chronic conditions who pay a tax for their illness in the form of cost-sharing; those with Medicare coverage who lack dental and long-term care benefits; those with Medicaid who must hurdle administrative barriers to remain covered and face frequent “churn” the program, and who sometimes have inferior access to care.  Indeed, even those satisfied with their employer-sponsored coverage know that they are but one sickness — and consequent job loss — away from losing it. 

All of which is to say that at the end of the day, the vast majority of the nation could benefit from single-payer reform — and that fact makes it winnable.  Above all, however, we can be sure of one thing: not bothering to push for Medicare for All today will guarantee that it doesn’t happen tomorrow.

Author’s Note:  The author serves as President of Physicians for a National Health Program (PNHP), a non-profit organization that favors coverage expansion through a single payer program.

  He does not receive compensation from that group, although some of his travel on behalf of the organization is reimbursed by it.

  He wishes to thank Phillip Rocco, Natalie Shure, David Himmelstein, and Steffie Woolhandler for their review of drafts of this article and helpful suggestions for revision; any errors are the author’s alone.

Источник: https://www.healthaffairs.org/do/10.1377/hblog20200309.156440/full/

Offer SHOP health insurance

Medicare-for-All fine print: Are you ready to give up your current coverage?

Health insurance plans offered through the Small Business Health Options Program (SHOP) are quality, affordable health and dental insurance coverage for small businesses and their employees. SHOP plans are offered by private insurance companies, cover essential health benefits, and may not exclude coverage for treatments for pre-existing conditions.

Begin highlighted text

Ready to enroll in SHOP coverage?

You’ll either work with a SHOP-registered agent or broker or work through your insurance company. This may be different from how you have enrolled in SHOP coverage in the past. Some important things to remember:

  • You don’t need to create an account on HealthCare.gov or log into your existing account.
  • You won’t start an application through HealthCare.gov.
  • You will need to use the Eligibility Determination Form to verify your eligibility for SHOP.

Learn more about how to enroll in SHOP insurance (PDF).

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Making a SHOP health insurance decision

You can generally enroll in SHOP coverage year-round. To find the best plan for your business and employees, think about price, benefits, and features. You may also want to consider:

  • Whether to offer your employees one plan or a choice of plans
  • Whether to offer medical coverage, dental coverage, or both
  • How much of your employees' premiums you’ll pay
  • Whether to offer coverage to dependents and part-time employees
  • When coverage starts
  • How long new employees must wait before they get a coverage offer

You should also check SHOP availability in your state. Some states may use their own websites for enrolling and managing SHOP coverage.

Understanding SHOP insurance categories

When you compare SHOP insurance, you'll see 4 categories of plans. The categories have nothing to do with the quality of care. They're the way the cost of care will be shared between your employees and the insurance company.

SHOP health coverage: Estimated averages for a typical population. Your employees' costs will vary.Plan categoryThe cost of care paid by the insurance company, on averageThe cost of care paid by your employees, on averageBronzeSilverGoldPlatinum
60%40%
70%30%
80%20%
90%10%

Choosing a stand-alone dental plan

You can add dental coverage to your SHOP insurance offer or offer dental insurance by itself without a SHOP health plan. Some SHOP health insurance plans also include dental benefits.

As with health plans, you can choose how much of an employee’s dental premium you pay.

Talk to your insurance company or agent or broker to find out more about SHOP dental plans.

How to enroll through SHOP

You have 2 options for enrolling:

  • Work with a SHOP-registered agent or broker. You can use your current agent or broker or find a new one, as long as the agent or broker is registered with the applicable Marketplace to sell SHOP insurance. Find an agent or broker today using Find Local Help or Help On Demand.
  • Contact your insurance company and sign up with them. If you are searching with HealthCare.gov’s See SHOP Plans and Prices tool, you may want to write down some important information such as the plan name, metal level, plan type, and plan ID to have handy when you contact the insurance company.

Remember, the specific enrollment steps may vary by insurance company. Talk with your insurance company or SHOP-registered agent or broker to make sure you're aware of any monthly deadlines for completing your enrollment.

Your agent, broker, or insurance company will be able to provide you with the information you and your employees will need.

Note: You should not create an account, log into your existing account, or start an application on HealthCare.gov for SHOP coverage, even if that is how you have enrolled in SHOP coverage in the past.

Paying premiums & managing coverage

You'll pay your premiums to your insurance company, not HealthCare.gov. If you need to make changes or updates to your SHOP coverage during the year, contact your agent, broker, or insurance company.

Verifying your eligibility for SHOP

You must meet certain requirements to purchase insurance through SHOP. To verify that you can enroll in SHOP coverage, use the SHOP Eligibility Determination Form.

The SHOP Eligibility Determination Form only takes a few minutes to fill out, and you’ll get an instant determination. Just enter some basic information about your business, certify that you meet the eligibility requirements, review your form, and submit.

Save your eligibility determination results for your records. Proof of SHOP eligibility may be required to enroll in SHOP coverage through an insurance company or to claim the Small Business Health Care Tax Credit.

How to renew your SHOP plan

About 45–60 days before your current SHOP coverage ends, contact your insurance company, agent, or broker to see what plans and prices are available to you. Insurance companies may have different timelines for renewing coverage, so be sure to ask:

  • When you need to submit your enrollment for a coverage renewal
  • How long your employees will have to accept your renewal
  • When you should pay your first premium

More Answers: How to offer SHOP health insurance to employees

I am unable to enroll in SHOP insurance by logging into my HealthCare.gov account. What do I do?

For SHOP plans that start on or after January 1, 2018, you don't pick a plan, apply, or enroll through HealthCare.gov. Instead, you enroll either through the insurance company or with the assistance of a Marketplace-registered agent or broker.

As a small business employer, do I have to offer insurance to my employees' dependents?

Generally no, but some states do require it. Check with your state's Department of Insurance.

If you do offer insurance to employee’ dependents, they can accept or reject your offer. If they decline it, they can enroll in a plan for individuals and families through the Marketplace, but they may not be eligible for savings through premium tax credits or cost-sharing reductions. If they’re not eligible for such savings, they'd have to pay full price.

If I don't offer insurance to dependents, can they get insurance through the Marketplace?

Yes. Dependents can get insurance for individuals and families through the Marketplace, if they are otherwise eligible. Depending on the entire household's income, if dependents aren’t eligible for other health coverage, they may qualify for savings through premium tax credits and cost-sharing reductions.

Источник: https://www.healthcare.gov/small-businesses/choose-and-enroll/enroll-in-shop/

Medicare-for-All fine print: Are you ready to give up your current coverage?

Medicare-for-All fine print: Are you ready to give up your current coverage?

During this week’s “Medicare-for-All” hearing on Capitol Hill, Budget Chairman John Yarmuth, D-Ky., vowed to continue pushing for “access to quality, affordable health care” via the radical new proposal that would amount to a full government takeover of our health-care system.

However, achieving this goal will not come from socialized health care.

As noted by the Congressional Budget Office, Medicare-for-All could “lead to lower quality of care for patients,” and will cut doctor compensation which will “reduce the amount of care supplied.”

Under this plan “participants would not have a choice of insurer or health benefits,” and the development of new treatments and technologies would be slowed.

Not as easy as the left claims

To start, according to the Galen Institute, the transition to single-payer health care would force 173 million Americans to give up their current plan, and care would be arbitrarily apportioned and rationed by the government. Tax-advantaged Health Savings Accounts – which give choice and flexibility to 25 million American families –would also be repealed.

However, advocates of single payer say that transitioning to this system is simply a matter of shifting spending from the private sector to the government.

This is misleading. Overhauling the health-care system would cost between $32 and $36 trillion in new federal spending over the next ten years,  research from experts on the left and the right. This will mean dramatically higher taxes on every American family and business – not just “the rich” and large corporations that Democrats demonize.

Total U.S. health-care spending per year currently reaches $3.5 trillion, and roughly 60 percent of this is already borne by the federal government, so Medicare-for-All would require significant new spending.

There is no easy way to pay for this. Proponents of Medicare-for-All argue there would be efficiencies through consolidation and point to the fact that government programs such as Medicare already have low administrative costs, so they say expanding this program to all Americans will lead to savings.

Again, this is only one part of the picture. While public insurance often spends less than private insurance, this comparison is misleading.

Medicare Part D is administered through the federal government, but there are savings from the competition between Pharmacy Benefit Managers, insurers and manufacturers. Other agencies help administer the program – the IRS, the Social Security Administration and the states all play a role.

Moreover, administrative costs are only one part of a bigger picture – they can be reduced at the expense of better service or measures to fight waste, fraud and abuse.

Leading to shortages of care

Even if transitioning to a socialized system could be a smooth process, the new system will inevitably result in the rationing of health care.

Socialized medicine works by a combination of price controls and a reduction of payments for caregivers that would ration care for patients, harm the development of medicines, and limit patient access, as noted by CBO.

This is not hypothetical – there are numerous examples of the single-payer health-care systems used by foreign governments leading to shortages of care, medicines and doctors.

For instance, in the United Kingdom, patients reportedly wait more than six months to receive medical treatment and almost 25 percent of cancer patients did not start treatment on time despite referrals from their doctor. Canada’s system is a little better – patients reportedly wait over 20 weeks on average to receive treatment from a specialist. At any one time, over one million Canadians are waiting for a procedure.

This rationing of care extends to medicines.

Of the 290 new medical substances that were launched worldwide between 2011 and 2018, the U.S. had access to 90 percent. In contrast, the United Kingdom had access to just 60 percent of medicines, while Canada had access to just 44 percent.

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Make no mistake, the single-payer health-care plan being pushed by Democrats would end the U.S. health-care system as we know it.

Medicare-for-All would lead to tax hikes for every American, end current health care plans for 175 million Americans, and restrict access and choice for patients.

Alex Hendrie is director of tax policy at Americans for Tax Reform, a free market advocacy organization dedicated to lower taxes and limited government.

Источник: https://www.foxbusiness.com/healthcare/medicare-for-all-single-payer-socialized-medicine

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