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Thread: Obamacare Replacement - Patient Freedom Act of 2017

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    Obamacare Replacement - Patient Freedom Act of 2017

    https://www.nytimes.com/2017/01/23/u...ins-trump.html

    Under the proposal, states could stay with the Affordable Care Act, or they could receive a similar amount of federal money, which consumers could use to pay for medical care and health insurance. “We are moving the locus of repeal to state government,” Mr. Cassidy said. “States should have the right to choose.”

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    Established Member libertariat720's Avatar
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    A good start I suppose.
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    On the Diversary Committe TennesseeRain's Avatar
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    There's no more Obamacare. Now we have the ACA!!!! Win!

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    As I said earlier today in another thread:

    Quote Originally Posted by Neomalthusian View Post
    If I had to bet on it, I'd bet they basically re-brand what currently exists and make a few tweaks so that they can claim to take credit for it
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    Key portion of the OP:
    If anything, the proposal — by Senators Bill Cassidy of Louisiana, a medical doctor, and Susan Collins of Maine, a moderate Republican — may show how difficult it will be for Republicans to enact a replacement for the Affordable Care Act.

    Legislation that can pass muster in the more conservative House may not win enough support in the Senate. A bill with broad appeal in the Senate may fail in the House.

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    Veteran Member Isalexi's Avatar
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    Quote Originally Posted by Neomalthusian View Post
    https://www.nytimes.com/2017/01/23/u...ins-trump.html

    Under the proposal, states could stay with the Affordable Care Act, or they could receive a similar amount of federal money, which consumers could use to pay for medical care and health insurance. “We are moving the locus of repeal to state government,” Mr. Cassidy said. “States should have the right to choose.”

    Some states are going to be very unhappy
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    11:05 - "Another option, which we call the default option in our bill, and the one which I believe that most states would embrace, would allow states to cover the uninsured population by providing a standard plan that had a high deductible, a basic pharmaceutical coverage, some preventive care such as free childhood immunizations, and it would be financed through health savings accounts."

    The amount of money that would go to states that would go to states that choose that option would be the same as the amount of money that they would receive now under the ACA, plus what they would receive if they expanded Medicaid coverage under the ACA, whether or not they have chosen to do so.

    snip

    Now I do want to emphasize that those individuals could choose not to go into the state plan, they could opt out and instead buy more generous health insurance coverage using their health savings accounts. Employers and taxpayers would be allowed to contribute further to those health savings accounts and the health savings accounts would phase out at certain income levels, but they would avoid the cliffs that are so prevalent throughout Obamacare. For example, if you make more than 400% of the poverty rate, your subsidy for your premium is completely eliminated. Similarly, under Obamacare, if you make more than 250% of the poverty rate, you no longer get help with your copays and your deductibles. That's why the increases to copays and deductibles and premiums has an impact even on those who are receiving subsidies if they're above a certain income level.


    I would like to see this clarified. Providing more liberal access to HDHPs and HSAs doesn't in and of itself address the existence of the subsidy cliffs. The main benefit of an HSA is the tax break to pay for deductible expenses, i.e. it basically gives people a 15-30% break on whatever the out-of-pocket maximum costs are.

    People in my state still can't afford that not because of the deductible amount being high, but because of the insanity of insurance premium costs as it is, because the premiums are still an absolute atrocity here. Judging by the cost of premiums for a $6,350 deductible bronze plan in my state, , an HDHP and HSA are like giving a painkiller to someone with a gaping infected wound. We need the subsidy cliff to actually be fixed, not just glazed over with better HDHP/HSA laws.
    Last edited by Neomalthusian; 23rd January 2017 at 06:18 PM.
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    Wow, I can't tell you how many times I've read some left wingers whine about how Republicans don't have a plan, what's their plan, oh my God Republicans want to repeal it but don't have a plan.

    No something is brought forth, and.... Fucking crickets.


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    told you so Amelia's Avatar
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    I find any nonextreme proposal encouraging. I've been counting on Collins to help moderate Senate actions.

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    Veteran Member bmanmcfly's Avatar
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    Quote Originally Posted by Neomalthusian View Post
    Wow, I can't tell you how many times I've read some left wingers whine about how Republicans don't have a plan, what's their plan, oh my God Republicans want to repeal it but don't have a plan.

    No something is brought forth, and.... Fucking crickets.


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    They presented SEVERAL plans, it's a type of gas lighting to try and say otherwise.

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