American Elephants


The Trouble With ObamaCare by The Elephant's Child

The trouble with ObamaCare was, in particular, the regulations. Lots of other problems,of course, but Leftists always think that they know better how anything should be run, and for just that reason, it mostly doesn’t work. The Wall Street Journal today pointed out one of the big reasons which is that ObamaCare mostly meant that small businesses quit providing healthcare for their employees.

Secretary of Labor Alexander Acosta is proposing to allow small businesses to band together to provide insurance on an equal footing with corporations and unions. Excellent!

The share of workers at small businesses with employer-sponsored health benefits has dropped by a quarter since 2010 as insurance costs have ballooned, in part due to government mandates. About 11 million workers employed by small businesses are uninsured. Some businesses have dropped their workers onto state insurance exchanges where premiums are subsidized by taxpayers.

Enter President Trump, who last fall directed Labor Secretary Alexander Acosta to consider “expanding the conditions that satisfy the commonality-of-interest requirements” for association health plans under the Employee Retirement Income Security Act, or Erisa.

Large-group plans that are self-insured—i.e., funded by unions or employers—are covered by Erisa. These plans are exempt from ObamaCare’s essential benefits requirements, though they must comply with rules on annual and lifetime limits and pre-existing conditions as well as state solvency regulations.

Mom-and-pop businesses and sole proprietors aren’t so lucky. Most purchase coverage from insurers in the small group or individual marketplaces, which are subject to ObamaCare’s coverage mandates and controls on premium prices. The Obama Administration precluded small employers from forming association plans that are exempt from Erisa by narrowly interpreting the “commonality of interest” membership requirements.

Secretary Acosta on Thursday, proposed a new rule that would define “commonality of interest” among employers to include geographical area, such as a metropolitan area or even a state, as well as an industry, trade or profession. Chambers of commerce or national industry groups could sponsor plans. Sole proprietors could be defined as both employers and employees, which would allow independent contractors to form or join association plans. The Left is, of course, howling about Trump trying to destroy ObamaCare, but millions of small business people and sole proprietors aren’t insured at all because they can’t afford coverage on the exchanges. Sole proprietors who earn too much to qualify for subsidies are squeezed out by soaring premiums.

If they are freed from ObamaCare’s mandates, they can devise plans more suited to their workers, and costs would be reduced by spreading the administrative burden. This is not going to solve the burdens of ObamaCare, but ObamaCare was never a plan to give health care to everyone. It was a plan for government control of health care so that the giver of health care would always be voted back in because of the fear of losing health care. They saw that kind of ‘insurance’ in Britain’s National Health Service (NHS).

Britain’s NHS figures show that 16,893 patients waited more than 30 minutes at Accident and Emergency (A&E) departments in the week at the end of the year. This was a 42% rise over the previous week when only 11,900 waited in the ambulances hoping they wouldn’t die while they waited. Hospital bed occupancy was 91.7 percent—an 85% level is considered safe.

It was announced a day earlier that all non-emergency operations will be cancelled until at least February as the worst NHS winter crisis in 30 years hits. Around 55,000 procedures that were planned will not happen. A senior doctor claimed that patients are being treated in “third world” conditions in some hospitals. In the meantime cases of flu are rising and there are severe respiratory problems. The people generally believe that their health care is free, but forget that they pay for every last bit of it in their taxes and lower standard of living.

The population of Great Britain is 66,387,483, ours is 323.98 million as of 2016. When healthcare is free, people are inclined to run to the doctor at every small symptom. ObamaCare assumed that when all the healthy young people were forced to pay their share, it would cover the sick people. The skyrocketing premiums show how well that all worked. And young people have consistently dropped out. Doctors tell their kids to choose another profession. Those who use up the most medical care are of course, the old folks. The Eskimos solved that by leaving granny out to freeze on an iceberg which is a relatively painless way to go. Some in India leave their grannies in a tiger preserve, I have read. I’m sure we will gradually come up with solutions. Just try to keep the politicians out of it.

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