Misleading Voters In The Hope Of Winning Elections

Investor’s Business Daily posted an editorial on Friday about misleading claims about ObamaCare by Democrats running for office.

The editorial reports:

Democrats want health care to be a major deciding issue in the midterm elections and are spending a fortune running campaign ads. Too bad most of the ads make the false claim that Republicans would take away protections for pre-existing conditions.

From January to July, Democrats spent some $17 million for 56,000 health care ads on behalf of Senate candidates, according to USA Today.

The Wesleyan Media Project reported that 44% of all the ads for congressional Democrats focused on health care. In Senate races, half of the ads were on health care, and another 16% on prescription drug costs.

One of the claims in the ads is that Republicans want to deny insurance to those with pre-existing conditions. This is a scare tactic.

The editorial explains the Republican plan for dealing with those who have pre-existing conditions (The article notes that the individual market comprises just 7% of the total insurance market. And of those, only a much smaller fraction had ever been denied coverage due to pre-existing conditions before ObamaCare.):

One GOP idea was to create subsidized high-risk pools for those whose health needs would truly make them ineligible for coverage. Another was to provide protections for those who maintain continuous coverage. That would prevent people from gaming the system by waiting until they’re sick to buy insurance. (In contrast to ObamaCare, which encourages people to game the system.) Still another was to expand access to group coverage by removing needless government restrictions on “association health plans.”

Whatever anyone thinks of the Republican alternatives, it’s clear that ObamaCare’s approach is failing. Its rules and mandates led to double-digit price increases year after year, which have priced millions of families out of the insurance market altogether. (So much for guaranteed coverage.) Those who can afford ObamaCare coverage have no choice but to enroll in HMO-style plans with extremely high deductibles. (So much for making insurance “affordable.”)

The GOP proposals aren’t perfect, a point we made in this space many times. But ObamaCare as it exists today is a disaster. It promises affordable coverage, but makes it impossible for millions to get it. And it requires massive taxpayer subsidies to bring individual insurance within reach of anyone.

Unfortunately voters who are not well informed may believe the lies being told. Hopefully enough people have been negatively impacted by ObamaCare to see through this ploy.

Fighting The Spin

You have heard the statements. People will die if ObamaCare is repealed. Those deaths will be on Republicans hands. Neither one of these statements is true, but I am willing to bet you have heard them reported as news.

On Friday Townhall posted an article about the ObamaCare replacement bill that passed the House of Representatives.

The article reports:

…But based on rhetoric from elected Democrats and the Left generally, one might assume that Obamacare was called the “Pre-existing Conditions Coverage Act” (side-stepping the whole “choice and affordability” fairy tale they peddled), and that the Republican bill obliterates those protections. The proposed law would be a “death warrant” for sick women and children, they shriek, casting Obamacare opponents as the moral equivalent of accessories to murder. This is demagogic, hyperbolic, inaccurate nonsense. To review the actual facts, even under an exceedingly unlikely scenario in which the Senate passed the House bill without making a single alteration, people with pre-existing conditions are offered several layers of protection:

There are a few layers of protection to make sure no one is left uncovered. The article explains:

Layer One: Insurers are required to sell plans to all comers, including those with pre-existing conditions. This is known as “guaranteed issue,” and it’s mandated in the AHCA. No exceptions, no waivers. I spoke with an informed conservative news consumer earlier who was stunned to learn that this was the case, having been subjected to 24 hours of unhinged rhetoric from the Left.

Layer Two: Anyone with a pre-existing condition and who lives in a state that does not seek an optional waiver from the AHCA’s (and Obamacare’s) “community rating” regulation cannot be charged more than other people for a new plan when they seek to purchase one — which, as established above, insurers are also required to sell them.

Layer Three: Anyone who is insured and remains continuously insured cannot be dropped from their plan due to a pre-existing condition, and cannot be charged more after developing one. So if you’ve been covered, then you change jobs or want to switch plans, carriers must sell you the plan of your choice at the same price point as everyone else. Regardless of your health status. This is true of people in non-waiver and waiver states alike.

Layer Four: If you are uninsured and have a pre-existing condition and live in a state that pursued (and obtained after jumping through hoops) a “community rating” waiver, your state is required to give you access to a “high risk pool” fund to help you pay for higher premiums. The AHCA earmarks nearly $130 billion for these sorts of patient stability funds over ten years.

The article goes on to explain that the healthcare bill passed in the House of Representatives is not perfect. However, ObamaCare is collapsing rapidly, and something does need to be done. Hopefully some positive revisions will be made in the Senate. Meanwhile, something needed to be done.

Please follow the link above toTownhall to read the entire article. Much of what the mainstream media is reporting about the healthcare bill that passed the House of Representatives is false. It’s important to know the truth.

I Will Be Surprised If ObamaCare Is Repealed

Republicans have the votes to repeal ObamaCare. They have proven that the other sixteen times they voted to repeal ObamaCare. It was safe to vote for repeal before President Trump was sworn in because they knew there would be a veto coming from the White House. Now that there won’t be a veto, they have lost the courage of their convictions (as if they actually have convictions).

ObamaCare is another entitlement program. Getting rid of an entitlement program is almost impossible. The people who are benefiting from the program don’t want to give it up (even though the people paying for it want to get rid of it as soon as possible).  That is why many Republicans want to keep ObamaCare.

Betsy McCaughey, who has actually read the original ObamaCare bill and followed the issue of ObamaCare closely, posted an article at Investor’s Business Daily today.

The article reports:

The House vote on the GOP‘s ObamaCare repeal bill vote is down to the wire, with dozens of Republicans waffling as “undecideds.” What’s the hold-up? Ninety-six percent of people who have to buy their own insurance stand to benefit from this bill, which will likely drive down premiums by double digits.

The remaining 4% — those with pre-existing conditions — will be protected by a federal fund to subsidize their insurance costs. They won’t get priced out of the market, because the fund will pay the lion’s share of their premiums.

But some Republicans are running scared. Although the bill solves two problems — lowering premiums and protecting people with pre-existing conditions — these fence sitters are worried about something else — getting re-elected.

As a member of the New York delegation put it, the issue is “optics.” They’re cowed by the media’s false reports that the GOP is abandoning people with pre-existing conditions.

It is a fact of life that in America we have a political class that would rather get re-elected than do what is best for America. That is one of the main reasons Donald Trump was elected President. Voters hoped he would change that.

The article explains how some individual states have handled healthcare reform:

New York, New Jersey and several other states ruined their individual insurance markets two decades ago by imposing community pricing, which drove out healthy buyers. Lawmakers in those states would be smart to wise up, get a waiver and offer low prices to most buyers. But don’t count on it, at least not in New York.

But several states — Alaska, Minnesota, Idaho and Oklahoma among them — have already acted, without waiting for Congress. They used state funds to help cover the sickest people, and relieve pressure on healthy premium payers. Alaska averted a 40 percent premium hike that way last year.

To summarize: The funding is adequate and the approach works. Spineless politicians whining about “optics” should look in the mirror. What’s they’re really missing is backbone.

The first repeal of ObamaCare bill was a bad bill, and its defeat was a good thing. The courageous (and correct) thing for Congress to do would be to reintroduce one of its past repeal bills and simply let the chips fall where they may. However, as that would take courage, it is highly unlikely.