<div _ngcontent-c14 = "" innerhtml = "

With regard to Obamacare and health insurance reform, Democrats and Republicans have a lot to learn.

Obamacare has guaranteed to people that they would never again be refused for health insurance because of a pre-existing illness. The law assured those who could not afford to buy health insurance that they would receive financial aid. And, he offered Medicaid's expansion to the poorest.

Obamacare offered at least the security of health insurance to people with the lowest incomes.

But Obamacare has also blurred the market of unsubsidized individual health insurance, with its prohibitive prices and costs borne by the middle class.

Across the country, Democrats after Democrats, Republicans who had voted in favor of the repeal of the law had issued announcements promising to protect Obamacare and his reforms from the previous state.

The announcements resonated well as Obamacare continued to devastate the individual health insurance market:

  • As of March 2016, 20.2 million people were covered in the individual health insurance market, according to a meticulous calculation of the number of filings made by the state's insurance department by Mark Farrah and Associates.
  • In March 2017, this figure had fallen to 17.7 million.
  • In March 2018, this figure was 15.7 million, a decrease of 22% in two years.

This means that 4.5 million fewer people have taken out individual health insurance in just two years. Now the economy is strong, allowing more people to join employers' schemes – but not as strong.

The 40% of individual middle-class market consumers who are not eligible for a grant are the hardest hit.

  • As of March 2016, 7,520,939 people were covering the off-exchange individual health insurance market where no subsidy was available.
  • As of March 2017, 5,361,451 people were covered.
  • In March 2018, 4,004,522 people were covered, down 47% in two years.

In addition, Obamacare subsidies to consumers are not sustainable.

According to the CBO, the average Medicaid expense for a non-disabled adult is $ 4,230 – a program that has virtually no premiums and who co-pays. But because the risk pool is so bad and so expensive in the Obamacare grants, the average cost of the taxpayer grant is $ 6,300 – not counting what the consumer pays in premiums and out-of-pocket expenses for the Obamacare coverage.

Why has Obamacare's individual market melted in the last two years? Because its premiums and deductibles are exorbitant – for all participants except the less affluent.

Let me suggest that what happened in the 10th district of Virginia Congress in the last election tells the story.

In Northern Virginia, the best-selling Silver program in the Obamacare Individual Market for 2019 for a family of four (40-year-old parents) is eligible for an eligible grant of $ 65,000 per year and $ 4,514 USD . This plan has a deductible of $ 6,500, which means that the family would have to spend $ 11,014 in eligible health care costs before receiving benefits other than nominal first-dollar benefits.

This same family, but earning too much for a grant, as do 40% of families and a typical rich Virginia 10th family, should spend $ 19,484 in bonuses plus a $ 6,500 deductible, for a total of $ 25,984. in eligible costs they would receive significant benefits.

Democrats now argue that Obamacare was the big winner halfway through. Why is a law that has so devastated the individual market a winner? And why would he be a winner of the Virginia 10?

Because the Republican President voted for the Republican House bill to repeal and replace Obamacare.

By passing the bill, Republicans were deaf. The bill would have:

  • It can be argued that states were able to cancel the reforms of pre-existing conditions.
  • Significant reductions in insurance subsidies on individual markets.
  • Huge cuts to Medicaid's expansion.

The Republican members of the House voted for these things because they never understood what had upset voters about Obamacare. These are not the things that have provided the security of insurance – the pre-existing protections, the subsidies or the expansion of Medicaid – these are the ones that have undermined the safety of the health insurance – the Some ugly choices of unaffordable health plans have left consumers in the Obamacare era.

And, Democrats to date are touting the "stability" of the Obamacare insurance market – a stability that has so far only been successful for insurance companies that have raised rates as high as they are among the few who do very well in the program.

I will suggest that Democrats and Republicans – five years later – still do not understand what worked and what did not work for consumers.

Republicans have apparently never understood that Obamacare had worked well for low-income people who enjoyed the largest bonuses and direct grants. This worked well for people eligible for Medicaid in the states that extended it. And, this has been of crucial importance for those with preexisting conditions. And as three deep-red states – Nebraska, Utah and Idaho – voted in November to expand its expansion, Medicaid makes it clear that even in the most red states, citizens want health insurance security not only for themselves but also for their neighbors.

But what the Democrats never wanted to admit is that the program was devastating for the middle class – those who do not receive any subsidy or a relatively modest grant – because of the way it destroyed their market. individual health insurance.

Republicans have tried to withdraw these benefits from health insurance and it has cost them dear in 2018.

Just as the Democrats have attempted to reform the system with such force as to see it costing expensive in previous elections.

It is not about Obamacare, but about the safety of health insurance – for all.

">

With regard to Obamacare and health insurance reform, Democrats and Republicans have a lot to learn.

Obamacare has guaranteed to people that they would never again be refused for health insurance because of a pre-existing illness. The law assured those who could not afford to buy health insurance that they would receive financial aid. And, he offered Medicaid's expansion to the poorest.

Obamacare offered at least the security of health insurance to people with the lowest incomes.

But Obamacare has also blurred the market of unsubsidized individual health insurance, with its prohibitive prices and costs borne by the middle class.

Across the country, Democrats after Democrats, Republicans who had voted in favor of the repeal of the law had issued announcements promising to protect Obamacare and his reforms from the previous state.

The announcements resonated well as Obamacare continued to devastate the individual health insurance market:

  • As of March 2016, 20.2 million people were covered in the individual health insurance market, according to a meticulous calculation of the number of filings made by the state's insurance department by Mark Farrah and Associates.
  • In March 2017, this figure had fallen to 17.7 million.
  • In March 2018, this figure was 15.7 million, a decrease of 22% in two years.

This means that 4.5 million fewer people have taken out individual health insurance in just two years. Now the economy is strong, allowing more people to join employers' schemes – but not as strong.

The 40% of individual middle-class market consumers who are not eligible for a grant are the hardest hit.

  • As of March 2016, 7,520,939 people were covering the off-exchange individual health insurance market where no subsidy was available.
  • As of March 2017, 5,361,451 people were covered.
  • In March 2018, 4,004,522 people were covered, down 47% in two years.

In addition, Obamacare subsidies to consumers are not sustainable.

According to the CBO, the average Medicaid expense for a non-disabled adult is $ 4,230 – a program that has virtually no premiums and who co-pays. But because the risk pool is so bad and so expensive in the Obamacare grants, the average cost of the taxpayer grant is $ 6,300 – not counting what the consumer pays in premiums and out-of-pocket expenses for the Obamacare coverage.

Why has Obamacare's individual market melted in the last two years? Because its premiums and deductibles are exorbitant – for all participants except the less affluent.

Let me suggest that what happened in the 10th district of Virginia Congress in the last election tells the story.

In Northern Virginia, the best-selling Silver program in the Obamacare Individual Market for 2019 for a family of four (40-year-old parents) is eligible for an eligible grant of $ 65,000 per year and $ 4,514 USD . This plan has a deductible of $ 6,500, which means that the family would have to spend $ 11,014 in eligible health care costs before receiving benefits other than nominal first-dollar benefits.

This same family, but earning too much for a grant, as do 40% of families and a typical rich Virginia 10th family, should spend $ 19,484 in bonuses plus a $ 6,500 deductible, for a total of $ 25,984. in eligible costs they would receive significant benefits.

Democrats now argue that Obamacare was the big winner halfway through. Why is a law that has so devastated the individual market a winner? And why would he be a winner of the Virginia 10?

Because the Republican President voted for the Republican House bill to repeal and replace Obamacare.

By passing the bill, Republicans were deaf. The bill would have:

  • It can be argued that states were able to cancel the reforms of pre-existing conditions.
  • Significant reductions in insurance subsidies on individual markets.
  • Huge cuts to Medicaid's expansion.

The Republican members of the House voted for these things because they never understood what had upset voters about Obamacare. These are not the things that have provided the security of insurance – the pre-existing protections, the subsidies or the expansion of Medicaid – these are the ones that have undermined the safety of the health insurance – the Some ugly choices of unaffordable health plans have left consumers in the Obamacare era.

And, Democrats to date are touting the "stability" of the Obamacare insurance market – a stability that has so far only been successful for insurance companies that have raised rates as high as they are among the few who do very well in the program.

I will suggest that Democrats and Republicans – five years later – still do not understand what worked and what did not work for consumers.

Republicans have apparently never understood that Obamacare had worked well for low-income people who enjoyed the largest bonuses and direct grants. This worked well for people eligible for Medicaid in the states that extended it. And, this has been of crucial importance for those with preexisting conditions. And as three deep-red states – Nebraska, Utah and Idaho – voted in November to expand its expansion, Medicaid makes it clear that even in the most red states, citizens want health insurance security not only for themselves but also for their neighbors.

But what the Democrats never wanted to admit is that the program was devastating for the middle class – those who do not receive any subsidy or a relatively modest grant – because of the way it destroyed their market. individual health insurance.

Republicans have tried to withdraw these benefits from health insurance and it has cost them dear in 2018.

Just as the Democrats have attempted to reform the system with such force as to see it costing expensive in previous elections.

It is not about Obamacare, but about the safety of health insurance – for all.