What We Know And Don’t Know About Obamacare

The White House spent billions last year on efforts like this to promote Obamacare enrollment. How will they do this year? [Credit: Washington Post]

The White House spent bil­lions last year on efforts like this to pro­mote Oba­macare enroll­ment. How will they do this year? [Cred­it: Wash­ing­ton Post]

If you are a law­ful res­i­dent of the Unit­ed States and you lack health insur­ance today, it’s almost cer­tain­ly your fault.  You can’t blame your employ­er, the gov­ern­ment or the insur­ance com­pa­nies.  It’s on you.

That is the last­ing achieve­ment of Oba­macare, whose sec­ond open enroll­ment peri­od began yes­ter­day. Gone are the days when peo­ple with pre-exist­ing med­ical con­di­tions could not find afford­able cov­er­age.   Whether the ends of this achieve­ment, which are unde­ni­ably good, jus­ti­fy the means its sup­port­ers employed to win its enact­ment remains a mat­ter of con­tro­ver­sy. Con­tin­ue read­ing →

Obamacare By The Numbers: Medicaid

Obamacare supporters are greatly inflating estimates of the number of previously uninsured people that have gained coverage because of the new law.  Here's sensible look at the numbers. [Credit: CNN/Money]

Oba­macare sup­port­ers are great­ly inflat­ing esti­mates of the num­ber of pre­vi­ous­ly unin­sured peo­ple that have gained cov­er­age because of the new law. Here’s sen­si­ble look at the num­bers. [Cred­it: CNN/Money]

Near­ly 13 mil­lion Amer­i­cans now have health insur­ance thanks to Oba­macare. Tell Repub­li­cans to stop vot­ing to take their cov­er­age away. – Demo­c­ra­t­ic Leg­isla­tive Cam­paign Com­mit­tee peti­tion drive

Hyper­bole over how many peo­ple have pre­sum­ably gained health cov­er­age as the result of Oba­macare won’t sub­side any­time soon. At its cur­rent pace, we seem des­tined to reach the point where the num­ber of peo­ple who are alleged to have gained cov­er­age because of Oba­macare sur­pass­es the num­ber that lacked cov­er­age in the first place. Con­tin­ue read­ing →

Obamacare: Should Taxpayers Take the Risk of Subsidies?

I testified on Obamacare yesterday before the House Oversight and Government Reform Committee.

I tes­ti­fied on Oba­macare yes­ter­day before the House Over­sight and Gov­ern­ment Reform Committee.

I tes­ti­fied yes­ter­day before the House Over­sight and Gov­ern­ment Reform Com­mit­tee on a some­what tech­ni­cal pro­vi­sion of Oba­macare.  The pro­vi­sion estab­lish­es “risk cor­ri­dors,” which lim­it prof­its and loss­es of insur­ers that sell through the exchanges.  Plans that make “excess prof­its” must pay into the risk cor­ri­dor fund; those that suf­fer “excess loss­es” receive mon­ey from that fund.   Con­tin­ue read­ing →

A Modest (And Potentially Bipartisan) Obamacare Proposal

Here are three changes Congress should make to Obamacare: 1) no cancellations; 2) no bailouts; 3) no tax on the uninsured. [Credit: thinkquest.org]

Here are three changes Con­gress should make to Oba­macare: 1) no can­cel­la­tions; 2) no bailouts; 3) no tax on the unin­sured. [Cred­it: thinkquest.org]

Here’s a crazy idea: Repub­li­cans and at least some Democ­rats say they sup­port mak­ing changes to Oba­macare; why doesn’t Con­gress give vot­ers a pleas­ant sur­prise and change it?

These changes would be polit­i­cal­ly pop­u­lar, rel­a­tive­ly mod­est and enjoy at least some bipar­ti­san sup­port. Although the pre­vail­ing polit­i­cal cli­mate makes it hard for law­mak­ers to do any­thing of sub­stance, mak­ing the health care law more friend­ly to con­sumers and less accom­mo­dat­ing to cor­po­rate inter­ests would appeal to vot­ers across the spec­trum. Con­tin­ue read­ing →

Is Congress Still Relevant?

All 100 Senators gathered last year for this photo. They have done little since. Have they become irrelevant? [Credit: senate.gov]

All 100 Sen­a­tors gath­ered last year for this pho­to. Under Har­ry Rei­d’s lead­er­ship, they have done lit­tle since. Have they become irrel­e­vant? [Cred­it: senate.gov]

Here is all you need to know about the decline of the Unit­ed States Con­gress: a US Sen­a­tor recent­ly asked a fed­er­al judge to block the Oba­ma Admin­is­tra­tion from unlaw­ful­ly sub­si­diz­ing his own health insur­ance coverage.

The law­suit illus­trates how Con­gress has become a sub­servient branch of the fed­er­al gov­ern­ment.  Sub­ject to the whim of the Exec­u­tive Branch, one of its Mem­bers must now appeal to the Judi­cial Branch for relief.  Actu­al­ly leg­is­lat­ing seems out of the ques­tion. Con­tin­ue read­ing →

Obamacare’s Comfort Food For The Insurance Industry

The President huddled with health insurance executives last month, part of a White House effort to assure them that the government has their back.  (Credit: LA Times)

The Pres­i­dent hud­dled with health insur­ance exec­u­tives last month, part of a White House effort to assure them that the gov­ern­ment has their back. (Cred­it: LA Times)

The healthcare.gov web­site now works to the Admin­is­tra­tion’s sat­is­fac­tion.  While only 30 per­cent of users could enroll when the site first launched, it’s now up to 80 per­cent.

Frus­trat­ing one in five poten­tial cus­tomers, evi­dent­ly the gold stan­dard for the White House, is viewed less favor­ably by pri­vate insur­ers.  It’s among the rea­sons that the health care law is caus­ing such anx­i­ety in the C‑suites of insur­ance com­pa­nies that are hop­ing to prof­it by sell­ing poli­cies through the exchanges. Which is why White House meet­ings with insur­ance exec­u­tives are hap­pen­ing more fre­quent­ly than Cab­i­net meet­ings. Con­tin­ue read­ing →

More Than A Website: Will Insurers Prosper Under Obamacare?

The Bee Gees' "More Than A Woman" was a 70s sensation.  In promoting his health care law, the President now has a similar mantra: "More Than A Website."  (Credit: AP)

The Bee Gees’ “More Than A Woman” was a 70s sen­sa­tion. In pro­mot­ing his health care law, the Pres­i­dent has adopt­ed a sim­i­lar phrase, remind­ing us that Oba­macare is more than a web­site. (Cred­it: AP)

The Pres­i­den­t’s health care law has had a trou­bled first month, but it is far too soon to know whether its prob­lems will prove last­ing and severe.  Even some of its most fer­vent sup­port­ers, like the Wash­ing­ton Post’s Ezra Klein, acknowl­edge that its defi­cien­cies run deep­er than a clunky web­site.  Oba­macare, the Pres­i­dent reminds us, is more than a web­site, but its prob­lems extend far beyond its 5 mil­lion lines of errant code. Con­tin­ue read­ing →

Obamacare: We Don’t Need No Innovation

The Ford Edsel didn't last, but the 1965 Medicare benefit remains largely unchanged nearly 50 years later. [Credit: phrenicea.com]

The Ford Edsel did­n’t last, but the anti­quat­ed Medicare ben­e­fit did, still large­ly unchanged near­ly 50 years lat­er. 
[Cred­it: phrenicea.com]

Begin­ning next Jan­u­ary, it will be ille­gal for insur­ance com­pa­nies to sell poli­cies mod­eled on the ben­e­fit that mil­lions of seniors receive through Medicare.

And that’s a good thing. Con­tin­ue read­ing →

Health Insurers and Democrats: An Awkward Embrace

W and O share an awkward embrace.  (Credit: Life)

Pres­i­dent Bush and Oprah shared an awk­ward embrace — but not near­ly as awk­ward as the one between health insur­ers and the Admin­is­tra­tion.  (Cred­it: Life)

When it comes to health insur­ance com­pa­nies, the Demo­c­ra­t­ic par­ty is divid­ed between those that don’t like them and those that real­ly don’t like them.

The suc­cess of the new health law, how­ev­er, depends in large part on the will­ing­ness of insur­ers to par­tic­i­pate in its health insur­ance “exchanges.”

How’s that work­ing out? Con­tin­ue read­ing →

Why It’s a Bad Time to Hold on to Holder

AG Eric Holder may have to help POTUS dig out from under mounting scandals. Credit: theatlantic.com

AG Eric Hold­er may have to go to help POTUS dig out from under mount­ing scan­dals.
Cred­it: theatlantic.com

May 10 was sup­posed to be about health care and moms.  The White House mes­sage of the day was that the health care law is pro-moth­er­hood. The law’s detrac­tors, with their “polit­i­cal bick­er­ing,” “tall tales,” and “polit­i­cal games,” are, by impli­ca­tion, against motherhood.

The Pres­i­dent deliv­ered this mes­sage two days before Moth­ers Day at a White House event. But his mes­sage nev­er did get out. Con­tin­ue read­ing →