“Showing Why The Law Is Working”: The Koch Brothers Are Accidentally Advertising The Benefits Of Obamacare
Some new advertisements attacking the Affordable Care Act actually show why the law is working.
The ads are running in Colorado and Louisiana, two states where incumbent Democratic senators face difficult reelection fights. They come from Americans for Prosperity, the conservative organization backed by the Koch Brothers. And in the spots, a woman makes some fairly sweeping claims about how Obamacare is hurting average Americans: “Millions of people have lost their health insurance, millions of people can’t see their own doctors, and millions are paying more and getting less.”
The statements leave out critical context, as Politifact has observed. But the interesting thing about the ads is their style. The narrator isn’t claiming these things happened to her or, for that matter, to any particular person. It’s all very broad and unspecific.
That’s a change and it’s probably because so few “Obama-scare” stories have held up to media scrutiny. Remember “Bette in Spokane”? House Republicans claimed she had to pay twice as much for her new coverage. Reporter David Wasson, a local reporter with the Spokesman-Review, tracked her down and determined that Bette could actually save money if she bought Obamacare coverage on Washington state’s online marketplace. Then there was Whitney Johnson, a 26-year-old with multiple sclerosis, who claimed that she’d have to pay $1,000 a month for her new insurance in Texas. That didn’t sit quite right with journalist and policy expert Maggie Mahar. Mahar dug into the details and, in an article for healthinsurance.org, revealed that Johnson had actually found coverage for about $350 a month—what Johnson had been paying previously. Maybe the best-known story is the one of Julie Boonstra, a Michigan cancer patient who said that her new insurance policy was “unaffordable.” A series of reporters, first at the Washington Post and then at the Detroit News, determined that Boonstra is probably saving money because of Obamacare—all while keeping the physicians who provide her cancer care.
The conservatives’ struggle to find more airtight stories might seem mystifying, given that there’s no shortage of people with real and serious complaints about the Affordable Care Act. Quite a few Americans, probably numbering in the low millions, lost their old policies and are now paying more for replacements—usually because the old plans lacked benefits like maternity and mental health or because insurers can no longer avoid the sickest and most expensive beneficiaries. You’ve read about some of those people in these pages. These people are not happy and it’s easy to see why: The president and his allies promised that everybody who liked their olds plans could keep them. But, as Los Angeles Times columnist Michael Hiltzik has observed, these stories inevitably have a lot of nuance. These are people who, almost by definition, are healthy enough to have gotten cheap insurance before or make enough money that they don’t qualify for the Affordable Care Act’s insurance discounts. That makes their tales less dramatic.
A better subject for future conservative advertisements might be people with serious, even life-threatening diseases who need access to very specific specialists or hospitals—and are now having difficulty, because their new plans have very narrow networks of providers. But even these stories have mitigating circumstances that media attention would reveal. Most of these people can find their way to comparable, albeit different, doctors and hospitals—and at least some can keep the old ones if they’re able and willing to pay more for it. Also, this kind of thing was a problem long before Obamacare came along. And that’s not to mention the fact that, previously, many of these people lived in fear of losing their insurance altogether.
In short, these stories may generate sympathy but they are rarely the stuff of tragedy. And that’s because of the protections Obamacare provides—which is to say, the very things that Koch-funded right-wingers want to gut.
After all, it’s Obamacare that sets a minimum standard for insurance, so that all policies include comprehensive benefits and set limits on out-of-pocket spending. It’s Obamacare that puts coverage within financial reach of many more people than before, by offering those subsidies and then, for some people, reducing out-of-pocket expenses even more. In the old days, it wasn’t so hard to find tear-jerker anecdotes: People without insurance or with inadequate insurance were filing for bankruptcy, losing their homes, and missing out on essential medicine. Now those stories are less common and, for the most part, they are among people who had these same problems previously. Telling the stories of these people would be a rationale for expanding the Affordable Care Act, not repealing it.
At some point, conservatives will find some tragic stories that are real. It’s a big country, and a complex law, and there are bound to be a few people for whom the new changes work out really badly. But there are also good news stories—lots of them. And while those stories inevitably have complications of their own, some are pretty dramatic. Democrats may not have figured out the politics of Obamacare. But it looks increasingly like they got the policy right.
By: Jonathan Cohn, The New Republic, March 21, 2014
“The Real Truth About ObamaCare”: Conservatives Need To Help Fix It, Or Face Their Worst Nightmare!
Despite the worst roll-out conceivable, the Affordable Care Act seems to be working. With less than two weeks remaining before the March 31 deadline for coverage this year, five million people have already signed up. After decades of rising percentages of Americans’ lacking health insurance, the uninsured rate has dropped to its lowest levels since 2008.
Meanwhile, the rise in health care costs has slowed drastically. No one knows exactly why, but the new law may well be contributing to this slowdown by reducing Medicare overpayments to medical providers and private insurers, and creating incentives for hospitals and doctors to improve quality of care.
But a lot about the Affordable Care Act needs fixing — especially the widespread misinformation that continues to surround it. For example, a majority of business owners with fewer than 50 workers still think they’re required to offer insurance or pay a penalty. In fact, the law applies only to businesses with 50 or more employees who work more than 30 hours a week. And many companies with fewer than 25 workers still don’t realize that if they offer plans they can qualify for subsidies in the form of tax credits.
Many individuals remain confused and frightened. Forty-one percent of Americans who are still uninsured say they plan to remain that way. They believe it will be cheaper to pay a penalty than buy insurance. Many of these people are unaware of the subsidies available to them. Sign-ups have been particularly disappointing among Hispanics.
Some of this confusion has been deliberately sown by outside groups that, in the wake of the Supreme Court’s “Citizens United” decision, have been free to spend large amounts of money to undermine the law. For example, Gov. Rick Scott, Republican of Florida, told Fox News that the Affordable Care Act was “the biggest job killer ever,” citing a Florida company with 20 employees that expected to go out of business because it couldn’t afford coverage.
None of this is beyond repair, though. As more Americans sign up and see the benefits, others will take note and do the same.
The biggest problem on the horizon that may be beyond repair — because it reflects a core feature of the law — is the public’s understandable reluctance to be forced to buy insurance from private, for-profit insurers that aren’t under enough competitive pressure to keep premiums low.
But even here, remedies could evolve. States might use their state-run exchanges to funnel so many applicants to a single, low-cost insurer that the insurer becomes, in effect, a single payer. Vermont is already moving in this direction. In this way, the Affordable Care Act could become a back door to a single-payer system — every conservative’s worst nightmare.
By: Robert Reich, The Robert Reich Blog, March 22, 2014
“Not So Fast!”: “The Sky Is Falling,” Says Anonymous Chicken
I’m sure many of you saw a certain headline from The Hill today: “O-Care premiums to skyrocket.” At first I thought the source was The Drudge Report.
If you actually read the accompanying article by Elise Viebeck, the rather alarming assertion is mostly a collection of blind quotes from “health industry officials.” Yes, one former Cigna executive went on the record to say his “gut” tells him premiums could go up, which is of course very convincing. Otherwise the closest Viebeck gets to attribution is an “insurance official who hails from a populous swing state.”
In an updated version of the article, Viebeck does quote by name two experts–who deny the whole premise of her story.
And the “premiums to skyrocket” claim directly contradicts a variety of on-the-record assessments by health insurance executives–e.g., Aetna CEO Mark Bertolini, Wellpoint president Joe Swedish, and Cigna CEO David Cordani–that the Obamacare premium structure is working out relatively well. And the most reliable independent study, from the Kaiser Family Foundation, concluded that the much-feared “death spiral” of premiums that Viebeck seems to be predicting as a reality for much of the country is very unlikely to occur.
Particularly in its revised form, Viebeck’s piece has a number of “to be sure” qualifiers that undermine the headline. But it’s the headline that will get big coverage today–to be sure–maybe on Drudge Report itself. And it’s pretty clear which political constituency is driving the “story.”
By: Ed Kilgore, Contributing Writer, Washington Monthly Political Animal, March 20, 2014
“More Stuff Made Up About Obamacare”: A Nasty Ideological And Racial Undertone To Bobby Jindal’s Latest Campaign
It’s been obvious from the beginning that a big part of the GOP strategy for demonizing Obamacare has been to convince existing beneficiaries of federal health programs that ACA coverage would come out of their hides. Thus the constant efforts to convince Medicare enrollees that ACA was financed by “Medicare cuts” (not at all true with the exception of the reductions in super-subsidies offered to the Bush-era conservative pet rock of Medicare Advantage policies offered through private insurers). There’s also a nasty ideological and even racial undertone to this campaign aimed at white middle-class retirees who view their Medicare benefits as earned (via both payroll tax contributions and a lifetime of work), as opposed to the “welfare” being offered to those people supported by Medicaid or Obamacare.
But leave it to Bobby Jindal to come up with a line of attack that pits existing Medicaid beneficiaries against those who would qualify for coverage if, over his dead body, the ACA’s Medicaid expansion were to be enacted in Louisiana. TPM’s Dylan Scott has the story:
Engaged in all-out war with the liberal group MoveOn.org over a pro-Obamacare billboard, Louisiana Gov. Bobby Jindal (R) has accused the organization — and liberals in general — of endorsing discrimination against the disabled through their support of the federal health care reform law and its Medicaid expansion.
“Liberal groups like MoveOn.org won’t say one word about caring for individuals with disabilities, or how Obamacare prioritizes coverage of childless adults ahead of the most vulnerable,” Jindal wrote in an op-ed in the Shreveport Times last Thursday. “They just want to intimidate states into accepting Obamacare’s massive new spending programs.”
What does Bobby mean by “prioritizing” coverage of childless adults? Simply that expanded coverage comes with a higher federal match rate than is available for traditional Medicaid (not high enough, of course, to convince ideologically motivated Republicans, especially in the South, to execute an expansion that in many cases would represent a fiscal windfall for state governments while significantly reducing the ranks of the uninsured).
How, exactly, does that hurt people with disabilities, or others currently qualifying for Medicaid? The short answer is that it doesn’t, as Scott explains with some help from experts:
[T]here are a few huge problems with Jindal’s rationale, which effectively undermine the whole line of attack. First, some disabled people could actually qualify for health coverage under the Medicaid expansion, according to MaryBeth Musumeci, associate director of the Kaiser Commission on Medicaid and the Uninsured.
“People with disabilities can be within the new expansion group,” she said. “The ACA provides the opportunity for some people with disabilities to qualify for Medicaid who never qualified before. Their incomes, while still low, could have been above the very, very low limits states had set or they may not have been eligible at all if they fell into the category of single, childless adults. So it creates an expanded opportunity for people with disabilities to gain coverage.”
Second, Obamacare should have no policy bearing on the traditional Medicaid program. Federal funding for the traditionally eligible population remains exactly the same, and the states retain the same flexibility to manage their programs as existed prior to the law. The ACA brings a new population into the program, but there is no policy reason that it would lead to “discrimination” — as Jindal calls it — or any other detrimental effects for disabled people enrolled in the traditional program.
“I think that’s right,” Musumeci said when asked by TPM if the Obamacare’s Medicaid expansion should have no effect on traditional Medicaid. “What the Medicaid expansion essentially does is it creates a new eligibility category. Like any other time Congress has expanded eligibility of the program, it is adding statutory authority to cover this new group of people.”
“But it’s built into the same underlying Medicaid program. States still have all of the flexibility that they previously had in terms of how they structure their care delivery system, their benefits packages, and all of those things.”
It would be interesting to know how well people with disabilities, and other current Medicaid beneficiaries, would fare in Louisiana if the national Republican “reform” of Medicaid, a block grant that reduced federal funding over time, were to be enacted. Let’s hope we don’t find out. But in the meantime, the “prioritization” argument against the Medicaid expansion is just another effort to frighten one group of safety net beneficiaries they have a stake in excluding others. It’s exactly what we’ve come to expect from self-styled conservative Christian warriors like Bobby Jindal.
By: Ed Kilgore, Contributing Writer, Washington Monthly Politica Animal, March 20, 2014
“The Education Of Scott Brown”: A Slowly Dawning Lesson, Running Against An Abstraction Is Easy
Less than two years after losing his re-election bid in his home state, former Sen. Scott Brown (R-Mass.) is apparently trying again, this time running in New Hampshire – where’s he still learning quite a bit.
It’s not altogether clear why Brown is running in the Granite State, but his strategy has nevertheless taken shape: the Republican intends to hit the campaign trail complaining about the Affordable Care Act. It worked in one state in 2010, Brown figures, so maybe it’ll work in a different state in 2014.
With this in mind, Brown visited with state Rep. Herb Richardson (R-N.H.) and his wife over the weekend at the lawmaker’s home, where the Senate candidate called the ACA a “monstrosity.” Sam Stein flagged an account of the meeting from the local newspaper (pdf):
Richardson was injured on the job and was forced to live on his workers’ comp payments for an extended period of time, which ultimately cost the couple their house on Williams Street. The couple had to pay $1,100 a month if they wanted to maintain their health insurance coverage under the federal COBRA law.
Richardson said he only received some $2,000 a month in workers’ comp. payments, however, leaving little for them to live on. “Thank God for Obamacare!” his wife exclaimed.
Now, thanks to the subsidy for which they qualify, the Richardsons only pay $136 a month for health insurance that covers them both.
The state lawmaker added that the health care law, which Brown claims to abhor, has been a “financial lifesaver” for his family.
According to the local reporter, the former senator listened to the Richardsons’ perspective and then changed the subject.
Running against an abstraction is easy; running against a law that’s currently benefiting millions of families nationwide is a little trickier. That may slowly be dawning on Brown right about now.
Speaking of New Hampshire, Stein also had this report out of the Granite State the other day.
The former chair of the New Hampshire Republican Party will save $1,000 a month in premiums for his family’s health care package after signing up for a new policy through the Obamacare exchange.
But Fergus Cullen said the savings aren’t enough to turn him into a supporter of the new health care law.
Apparently, Cullen’s catastrophic-coverage plan was phased out under ACA guidelines, which forced the former state GOP chair to transition to a new plan – with no annual or lifetime caps, and which can’t be taken away if Cullen gets stick – that will save the Republican and his family $12,000 a year in premiums.
For his part, Cullen, concerned about out-of-pocket costs, says he still prefers his old plan and wrote about his experience in the Union Leader, acknowledging the trade-offs.
By: Steve Benen, The Maddow Blog, March 20, 2014
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