It’s been hard to miss the articles and news feeds regarding Obama’s Health Care Reform Bill lately. Rightfully so as I imagine this will spawn a very drastic change to our health care system — the way it’s administered, how patients receive care, when they receive care, how much it will cost, and who pays for it — if and when the bill is passed.
But the past few days, one particular caveat of the proposed bill has permeated the blogosphere above all others – Section 102 also mentioned as page 16 – with the GOP and Dems each interpreting the subsection differently. Unfortunately for the average vested American, this is where partisanship gets messy and biased news agencies stop doing their job. Section 102 states:
SEC. 102. PROTECTING THE CHOICE TO KEEP CURRENT COVERAGE.
(a) GRANDFATHERED HEALTH INSURANCE COVERAGE DEFINED. — Subject to the succeeding provisions of this section, for purposes of establishing acceptable coverage under this division, the term ”grandfathered health insurance coverage” means individual health insurance coverage that is offered and in force and effect before the first day of Y1 [2013] if the following conditions are met:
(1) LIMITATION ON NEW ENROLLMENT. –
(A) IN GENERAL. — Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day of Y1.
(B) DEPENDENT COVERAGE PERMITTED. — Subparagraph (A) shall not affect the subsequent enrollment of a dependent of an individual who is covered as of such first day.
Many right-minded bloggers and news agencies purported said section means all individuals who purchase their own health insurance will not be able to switch private carriers or purchase a different private insurance policy post-reform. They go on to suggest those who leave a company to work for themselves would not be free to buy individual plans from private carriers. Some editorials, such as the IBD, even claim the health care reform would outlaw private insurance. Liberal advocates of the America’s Affordable Health Choices Act claim that’s absolutely not true. Private insurance will remain available for anyone who desires it despite Obama’s health care overhaul.
As expected the truth lies somewhere in between. While it is true that private insurance will be obtainable post-reform, policies as we know them today will change quite a bit. According to Politofact, under the House bill, companies that offer insurance to individuals will do it through a national health insurance exchange, where the government mandates certain regulations and sets minimum standards for coverage. While minimum standards could improve baseline benefits by eliminating denials for pre-existing conditions, mandated government regulations could prove so burdensome, the private sector won’t stand a chance against its competition. Pages 17-1018 specify those regulations in greater detail I presume. So, if you’re currently enrolled in a private insurance plan, you may keep it. However, you will not be able to purchase a policy from a private carrier if that policy was defined prior to Y1.
Truthfully, the good, the bad, the ugly of President Obama’s Affordable Health Choices Act remains to be seen, and it will undoubtedly stay up for discussion for quite some time. But whether you’re a proponent of the bill or vehemently against it, is it too much to ask of either party to report the truth? For those of us who simply desire the facts to make up our own minds, unbiased reporting is all we ask.







