If you like your healthcare plan, you can(‘t) keep it

We’ve all come to understand that everything that President Obama says has an expiration date  (Jim Geragahty has a great list here, BTW).  However, I’m starting to understand that everything Obama says has an asterisk, too.  For example, remember this:

At the same time — I just want to be completely clear about this; I keep on saying this but somehow folks aren’t listening — if you like your health care plan, you keep your health care plan.  Nobody is going to force you to leave your health care plan.  If you like your doctor, you keep seeing your doctor.  I don’t want government bureaucrats meddling in your health care.

And you know that was important, because of how completely clear he was.  Of course, fortunately, he was only being completely clear, and not absolutely completely, unqualifiedly clear.  If he had been, he would have included this:

Part of the health care overhaul due to kick in this September could strip more than 1 million people of their insurance coverage, violating a key goal of President Barack Obama’s reforms. 

 Under the provision, insurance companies will no longer be able to apply broad annual caps on the amount of money they pay out on health policies. Employer groups say the ban could essentially wipe out a niche insurance market that many part-time workers and retail and restaurant employees have come to rely on.

This market’s limited-benefit plans, also called mini-med plans, are priced low because they can, among other things, restrict the number of covered doctor visits or impose a maximum on insurance payouts in a year. The plans are commonly offered by retail or restaurant companies to low-wage workers who cannot afford more expensive, comprehensive coverage. 

 Depending on how strictly the administration implements the provision, the ban could in effect outlaw the plans or make them so restrictive that insurance companies would raise rates to the point they become unaffordable. 

 Choice and competition?  Anyone?


One Response

  1. […] keep their healthcare, right?  I mean, what’s a million or so people on those lower premium limited benefit plans?  After all, most people get their health insurance through their workplace, right?  Yeah, […]

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