“You’re Not Invincible”: Young Adults Can’t Afford To Tune Out Obamacare Insurance Requirement
Before passage of the Affordable Care Act, becoming an adult meant getting kicked to the curb when it came to health coverage.
“Our gift when people turned 19 was to take away their health insurance,” said Karen Pollitz, a senior fellow at the Kaiser Family Foundation. “Turn 19 and we kick them out.”
If you were in college, you could usually stay on your parents’ insurance until you turned 22. But until health-care reform came about, young adults who didn’t find jobs with health coverage or qualified for government insurance were often left uninsured and vulnerable to massive medical bills.
Now there’s a present awaiting young adults.
Thanks to the ACA, commonly referred to as Obamacare, you may now be able to get insurance or continue to be covered under a parent’s plan up to the age of 26. And this coverage is available even if you’re married, not living at home, attending school or are financially independent. Starting next year, young adults up to 26 can stay on their parents’ employer plan even if they have another offer of coverage through an employer.
The downside for some parents is that they might have to pay extra to keep young adult children covered. But at least they will have insurance.
And, in just a few weeks, a new marketplace will open at www.healthcare.gov, giving young adults, particularly those older than 26, another option for obtaining health insurance. Trust me, this is one shopping trip that you need to go on.
There is concern that not enough young healthy adults will buy insurance, which will help offset the cost of those who are older and sicker and will need a lot of health-care services. Some experts believe these concerns are overstated. They note that insurance plans in the new marketplace will cover a core set of benefits such as hospitalization, maternity and newborn care, mental health and substance-use disorder services, and prescription drugs.
With the help of trained personnel called navigators, insurance shoppers will be able to compare plans based on factors including price and benefits. They’ll also be able to determine if they qualify for subsidies to help pay for the coverage.
When you’re young and healthy, you may think you can put off getting insurance. Maybe money is tight and you figure this is something you can delay until you get older, like contributing to a retirement plan.
“Health insurance is something at the moment I feel I can’t afford,” said Josh Nece, 29, a restaurant server in Oakland, Calif.
Nece, who suffers from severe eczema, says with rent, transportation, student loan payments and other expenses, he couldn’t afford the cost of insurance on his own. But he needs insurance to help pay for the medication and doctor visits when his eczema breaks out. He says he often goes without treatment or medication because he can’t afford it.
He plans to check out the marketplace in his state. I’m going to follow up with him to see if he does.
“I’m pretty sure I’m going to get health insurance,” he says. “Going into my 30s, I know it’s one of the adult things I need to do.”
In June, Kaiser asked young adults whether they wanted and valued health insurance. The answer was a resounding yes, contrary to the conventional wisdom about young adults feeling they are invincible.
Still, for those who think they can wait, here’s something to ponder: A tumble off a skateboard could end up costing you $20,000, as it did for Pollitz’s 22-year-old son, who works part time in a day-care center.
“He hit a rock, and the skateboard slid under him,” she said. “He broke his wrist.”
Pollitz said the bill was a “teachable moment.” Thankfully, he was covered on his parents’ plan. Otherwise, “that would have been a financial catastrophe for him.”
It is stories like hers that make Pollitz passionate about getting out the word to young adults to get health insurance. Although most young adults already have coverage, more than 19 million lack basic health insurance. In 2011, 27.9 percent of Americans ages 19 to 25 were uninsured. About the same percentage in the 25-to-34 age bracket also didn’t have insurance, according to Kaiser.
Some young adults might not get health insurance because the penalty for not buying it isn’t stiff enough. If the government determines that you are in the financial position to pay for coverage and you don’t fall under an exemption, you’ll have to pay a penalty for being uninsured when you file your federal income tax. The penalty starts next year at $95 annually for an individual and can go up to $285 for a family, or 1 percent of a family’s household income, depending on which is higher.
I like to believe millennials are smart enough to recognize they can’t afford not to get health insurance. It’s a gift that can keep them not only healthy, but out of medical debt.
By: Michelle Singletary, Columnist, The Washington Post, September 13, 2013
“Brush-Back Pitch”: Senate Democrats Have Had All They Can Take From David Vitter And His Obamacare Fixation
Sen. David Vitter (R-La.) this week tied up his chamber, blocking efforts to work on a bipartisan energy efficiency bill. He said he’d reconsider his obstructionist antics if the Senate voted on his measure to end the “Washington exemption from ObamaCare.”
As a substantive matter, Vitter is either deeply confused or playing a silly game in the hopes the public is deeply confused. There is no congressional “exemption” from the Affordable Care Act, as I imagine most senators realize. But Vitter engaged in his little stunt anyway, to his colleagues’ annoyance.
It appears that some of those colleagues are growing tired of the Louisiana Republican’s antics, and have a brush-back pitch in mind.
Senate Democrats have had all they can take from David Vitter and his fixation on Obamacare — and they’re dredging up his past prostitution scandal to hit back.
Vitter, a Louisiana Republican, has infuriated Democrats this week by commandeering the Senate floor, demanding a vote on his amendment repealing federal contributions to help pay for lawmakers’ health care coverage.
But Democratic senators are preparing a legislative response targeting a sordid Vitter episode. If Vitter continues to insist on a vote on his proposal, Democrats could counter with one of their own: Lawmakers will be denied those government contributions if there is “probable cause” they solicited prostitutes.
Ouch.
For those who may have forgotten, Vitter ran for the Senate on a “family values” platform, before getting caught with prostitutes. Making matters slightly worse, in at least one instance, the far-right Republican was found to have arranged a liaison with prostitutes from the congressional floor.
Vitter then ran for re-election anyway and won with relative ease.
By and large, Democrats have made very little effort to humiliate their conservative colleague over this, but it’s obvious they haven’t forgotten about it, either. The issue has apparently become something of a trump card Dems are prepared to play if nothing else works.
I imagine Vitter will see this as a cheap shot. Indeed, he’s already complaining.
“Harry Reid is acting like an old-time Vegas mafia thug, and a desperate one at that,” Vitter said in a statement to POLITICO, referring to the Senate majority leader. “This just shows how far Washington insiders will go to protect their special Obamacare exemption.”
First, let’s just be absolutely clear about the policy — there’s no such thing as an Obamacare exemption for Congress. It’s a made-up talking point that Republicans are fond of, which has no basis in fact. Whether or not Vitter realizes how wrong he is doesn’t matter; he keeps saying something that isn’t accurate.
Second, when you’re a married, family-values conservative who gets caught with prostitutes, you probably shouldn’t expect there to be no consequences for your actions.
By: Steve Benen, The Maddow Blog, September 13, 2013
“The Grand Case Against Obamacare”: The Republican Old, Stale, Non-Compeling, Non-Argument
You’d think with the resources he commands as de facto leader of the conservative movement at the Heritage Foundation, rightwing warhorse Jim DeMint would be able to come up with a fresh and compelling argument for why he wants to shut down the federal government and maybe risk a global economic meltdown in order to stop the implementation of a health reform law based largely on a blueprint first devised by his own think tank. But DeMint’s latest ukase on the subject for the Fox News site is as tired as an uninsured diabetic in South Carolina working two shifts at minimum wage.
I won’t quote DeMint directly, but his five big reasons for killing Obamacare are the usual woofers: it may force people in the individual market to change insurance policies (for better ones, with premium subsidies available for those of modest means); it may cause some consumers to choose between the policies and providers they want (just like private insurance policies today); the Medicaid expansion is a fraud because Medicaid’s worse than no insurance at all (tell that to the many millions receiving Medicaid now); Obamacare will slash and maybe kill Medicare (the usual confusion of cost reductions and provider cuts with benefit cuts); and of course, the whole thing will blow up budget deficits (not what the nonpartisan CBO says at all).
But what’s most remarkable is that DeMint doesn’t even mention the tens of millions of people with preexisting conditions who will obtain health insurance they just cannot get right now, and also cannot get under any GOP alternative (though DeMint doesn’t bother to mention any) known to mankind, at least since the GOP abandoned Stuart Butler’s plan hatched at Heritage.
I don’t know why DeMint and his wordsmiths even bother with such “persuasion” efforts, particularly for Fox News readers. Anyone buying his premises has already bought the conclusion.
By: Ed Kilgore, Contributing Writer, Washington MOnthly Politica Animal, September 10, 2013
“Working Together To Screw People Over”: The Republican Team Effort On Obamacare Obstruction
When it comes to the Affordable Care Act, you have to give Republicans credit for sheer sticktoitiveness. They tried to defeat the law, but it passed. They tried to get the Supreme Court to declare it unconstitutional, but that didn’t work. So now, as the open-enrollment period for the exchanges approaches on October 1, they’re thinking creatively to find new ways to sabotage the law. Sure, at this point that means screwing over people who need insurance, but sometimes there’s unavoidable collateral damage when you’re fighting a war.
Their latest target is the Obamacare “navigators.” Because not just the law but the insurance market itself can be pretty complicated, the ACA included money to train and support people whose job it would be to help people get through this new system, answering consumers’ questions and guiding them through the process. Grants have been given to hospitals, community groups, charities like the United Way, churches, and the like in the 34 states that are relying on the federal government to operate their exchanges in whole or in part. You can see the problem: If there are folks out there helping people get health coverage, that will mean that people will get health coverage. And that won’t do.
So Republicans are implementing a joint federal-state subversion campaign. On the federal level, Republicans on the House Energy and Commerce Committee have sent threatening letters to recipients of the navigator grants, demanding copious documentation on everything they’ve done having anything to do with the program (Jonathan Cohn explains here). Not because there’s been any suggestion of fraud or incompetence—don’t forget, at this point all the navigators have been doing is getting ready for open enrollment when they’ll have to start helping people—but on the apparent theory that if you can harass them enough, it’ll keep them from doing their jobs.
Meanwhile, on the state level, Republicans are finding whatever ways they can to get in the navigators’ way. Just get a load of this despicable toad: http://youtu.be/0fm-2J4F4v4
That’s Georgia Insurance Commissioner Ralph Hudgens, a former chemical company salesman and Republican state legislator, who I guess ran for insurance commissioner because he cares so much about people. He explains how when it comes to Obamacare, he’s doing “everything in our power to be an obstructionist.” He then explains, to the laughs and cheers of this Republican crowd, how a new law requires the navigators to get licensed by his department, with the clear implication that they’ll make it as difficult as possible.
In fact, 16 Republican-controlled states have passed laws imposing requirements on the navigators over and above what the federal government is already requiring. And guess who’s writing these laws? Lobbyists for insurance agents and brokers, who worry they’ll lose business if people can just call up a toll-free number and have somebody explain to them how to get insurance on their state’s exchange.
Remember, what they’re trying to do here is make it as hard as possible for people to get insurance. It’s as simple as that. The more people they can keep from getting insurance, in this case by keeping them from getting the information they need to buy insurance on the exchanges, the easier it will be for them to argue that the Affordable Care Act is a failure. And what about the human suffering that will cause if they’re successful? The diseases that go undiagnosed because people avoid going to the doctor, the uninsured families bankrupted when struck with an accident or illness? Too bad. Because screw you, Obama.
By: Paul Waldman, Contributing Editor, The American Prospect, September 4, 2013
“A Thuggish Abuse Of Power”: Republicans’ Devious Plan To Slow Down Obamacare Enrollment
Republican lawmakers who had criticized the Internal Revenue Service (IRS) for improperly targeting conservative nonprofits for additional scrutiny kicked off an investigation last week into community-based groups who received Navigator grants to help uninsured people enroll in the exchanges established by the Affordable Care Act, demanding that the organizations answer detailed questions and produce thousands of reams of documents.
Fifteen Republican members of the House Committee on Energy and Commerce, including Chairman Fred Upton (R-MI), are requesting detailed responses and thousands of pages of documents from approximately 60 percent of Navigator-recipients across the country by Sep. 13.
The tactic is reminiscent of the kind of practices Republicans had condemned over the summer, after news broke that the IRS subjected certain groups applying for 501 C4 nonprofit tax status to long, intrusive, questionnaires about their filings. Upton personally called such tactics a “thuggish abuse of power” and “simply un-American.”
But according to the GOP-backed letter, groups scrambling to begin enrolling individuals in coverage on Oct. 1, will have just two weeks to provide detailed written descriptions of their employees and activities, interactions with the Department of Health and Human Services, and “all documentation and communication related to your grant.”
Last month, the Obama administration distributed $67 million in federal grants to more than 100 hospitals, universities, Indian tribes, patient advocacy groups and local food banks “to help people sign up for coverage in new online health insurance marketplaces.”
The effort is just the latest attempt by Republicans to undermine enrollment in the Affordable Care Act. Republicans on the Energy and Commerce Committee have previously sent letters seeking information to entities tasked with educating the public about the law, opened investigations into public relations companies that had been contracted to promote the law on popular television shows, and warned the National Football League (NFL) and National Basketball Association (NBA) against encouraging enrollment in the law.
An HHS spokesperson strongly condemned the committee’s request to Politico, noting, “This is a blatant and shameful attempt to intimidate groups who will be working to inform Americans about their new health insurance options and help them enroll in coverage, just like Medicare counselors have been doing for years.”
By: Igor Volsky, Think Progress, September 3, 2013
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