HR 3200: the House Health Care Deform bill

So the House's 815-page draft became a 1018-page bill -- optimistically named ‘‘America’s Affordable Health Choices Act of 2009’’ -- , and the process isn't even finished yet. I see that lambert beat me to it, but since his HR 676 link is bad, I'll just point it out again anyway: HR 676, Medicare for All, is 30 pages, which itself looks positively prolix compared to the 13-page Canada Health Act.

So far I've only made it through the first 215 pages -- DIVISION A—AFFORDABLE HEALTH CARE CHOICES -- which covers the Health Insurance Exchanges, the plans to be offered therein, "shared responsibility", and modifications to the IRS code to make all this possible.

Some random highlights...

The Public Option for me, but not for thee

As an uninsured person, I will be allowed to shop for my insurance through my local HIE, and one of my options will be the "public plan." Too bad for you though, if you've already got insurance through your employer, you have to keep it. You won't be allowed into the Exchange at all -- which is the only place the public plan will be offered -- and neither will your employer, unless your employer is a small business. And very small that business has to be too, with only 10 employees or fewer, and only if that business has an annual payroll up to $400,000 will they be able to qualify for a break in how much they have to pay into the Exchange.

So, just when are you going to get your new and improved insurance?

page 14:

(25) The terms ‘‘Y1’’, ‘‘Y2’’, ‘‘Y3’’, ‘‘Y4’’, ‘‘Y5’’, and similar subsequently numbered terms, mean 2013 and subsequent years, respectively.

[And Subtitle B, Public Health Insurance Option, starts in Y1; see Sec. 221 (a), page 16 -- lambert]

Heh, looks like health care deform isn't even going to kick in until after the 2012 Presidential election.

Will individual states be allowed to set up their own experimental single payer systems?

I'm going to guess no.

Drop everything you're doing and support Andy Weiner NOW NOW NOW.

Hard to say for sure, but the wording in both this bill and the Senate bill seems to give the HHS Secretary an unavoidable directive to take over and/or disband any state's HIE that doesn't follow the rules, and I'm just guessing here, but outlawing all private insurance and setting up one single statewide public plan probably would be deemed "not following the rules". There's one possible loophole, though... states have to set up Exchanges, but [pg 14] --

(23) STATE.—The term ‘‘State’’ means the 50 States and the District of Columbia

which could perhaps allow Puerto Rico to set up its own single payer system.

Here's an interesting tidbit...

Division A, Subtitle B, Section 113 (b) requires the HHS Sec to conduct a study of all employers to compare the ones who self-insure vs the ones who buy full insurance to determine if the slf-insurers are acting responsibly and keeping enough money on hand to actually pay for their employees' health care needs. On the one hand, this would be an important consumer protection, you don't want your employer's insurance fund going dry right in the middle of your cancer treatment for instance.

On the other hand, this could also be a boondoggle for the insurance companies, since setting the employer requirements to a strict enough level might force more of them to buy full insurance, which would just give the insurance companies more of our money to keep for themselves manage for us. Note Wendell Potter's recent Senate testimony:

A study conducted last year by PricewaterhouseCoopers revealed just how successful the insurers’ expense management and purging actions have been over the last decade in meeting Wall Street’s expectations. The accounting firm found that the collective medical-loss ratios of the seven largest for-profit insurers fell from an average of 85.3 percent in 1998 to 81.6 percent in 2008. That translates into a difference of several billion dollars in favor of insurance company shareholders and executives and at the expense of health care providers and their patients.

Meaning that they spent 81.6% of premium dollars [your dollars] on health care and 18.4% of premium dollars [your dollars] on anything but care. HR 3200 allows the HHS Sec to come up with a formula for determining what an appropriate medical loss ratio should be, without providing even the least of guidelines.

But Ezra says we'll be protected from catastrophic costs

The House bill has subsidies up to 400 percent of poverty, which is equal to $43,320 for an individual and $88,200 for a family of four. At the bottom end -- 133 percent if income, as below that, you're eligible for Medicaid -- the subsidies limit your health premiums to 1.5 percent of income. At the top end -- 400 percent -- it's no more than 11 percent of income. Speaking of the out-of-pocket cap, all of the benefit packages -- from the "basic" plan on upward -- cap total costs for members. So if you're not eligible for subsidies, you're still going to be protected from catastrophic health-care costs.

Eh, maybe. Your premiums will be capped at 11% of your [modified adjusted gross] income, and your out of pocket costs [cost-sharing, pg 29] will be capped at $5000 [for a single person]. That $5000 would be about 11.5% more of your income if you're just over the 400% of FPL line, meaning your health care costs could take up nearly 1/4 of your income. But wait, there's more...

(4) COST-SHARING.—The term ‘‘cost-sharing’’ includes deductibles, coinsurance, copayments, and similar charges but does not include premiums or any network payment differential for covered services or spending for non-covered services.

Does not include any network payment differential for covered services? Does this mean that if I have to go to an out-of-network provider for some reason that the extra costs won't be included in my $5000? That could conceivably add up to some mongo health care bills. Considering that cancer treatment can run $100,000 - $300,000 in the blink of an eye, if you had to pay out-of-network for a substantial portion of your treatment, you'd be sunk.

Medicaid, more [non]choice

If you qualify for traditional Medicaid, then under HR 3200, you'll be dumped into Medicaid. Sure, it's a public option, and it's way better than no option, but it's the stingy public option, especially if you live in a state like mine. But hey! if you qualify for nontraditional Medicaid, you'll be given the choice of Medicaid or a subsidy to buy your insurance through the Exchange.

Oh yes, now there's some social justice in action -- make the very poor beg for their health care [have you seen the Medicaid paperwork you have to fill out?!], give them less health care than the rest of the population, and experiment with ways to divert even more taxpayer dollars from actual care to fatcats' swiss bank accounts.

PS. We're not going to pay for any illegals aliens

SEC. 246. NO FEDERAL PAYMENT FOR UNDOCUMENTED ALIENS.
Nothing in this subtitle shall allow Federal payments for affordability credits on behalf of individuals who are not lawfully present in the United States.

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2013?

I thought lambert was kidding about that.

This is going to be a clusterfuck for the Democratic Party and deservedly so. They promised people - people who are sick, dying or scared of being sick, dying - that they were going to help them. Instead, they are going to help insurance companies. Maybe a few people will be helped around the edges, but THAT doesn't even kick in for four years. Tell the parents whose kid has cancer that they'll get help in four years. That's a political winner.

Thank the goddess for Medicare because so long as it exists, we can point to something people are familiar with and that works that is a government program. Of course, I fully expect the FKD to fuck that up, too.

"Do what you feel in your heart to be right -- for you'll be criticized anyway. You'll be damned if you do, and damned if you don't. " - Eleanor Roosevelt

My Cynicism Pony finally arrived!

I called my shot!!!! (I wrote that comment Tuesday morning; the first posts on the bill I read were in the evening...)

"First they ignore you, then they ridicule you, then they fight you, then you win." -- Mahatma Gandhi

yes you did and yes it has!

and maybe it's snacking on your sunflowers too.

fkd-up medicare

don't look now, but they're working on it.

the changes to medicare take up the most pages in the bill -- 525 pages devoted to medicare, out of a total of 1018 pages. for comparison: 115 pages on medicaid, 160ish pages on general public health, 200ish pages on affordable insurance/exchanges/public option.

They're also cutting Medicaid

So, they're going to pay for more people to get on Medicaid by cutting back on the money for people already on Medicaid. Nice. I mean, Fuck the poor, we're Democrats. And we all know about those greedy poor people -- driving to the clinic in their Cadillacs and using too much medical care...

"First they ignore you, then they ridicule you, then they fight you, then you win." -- Mahatma Gandhi

bailout 2.0

that is what I would be posting about if I had time to post. They are going to cut Medicaid so that they can subsidize health insurance parasites.

And there are Medicare cuts as well, right? Were supposed to be

overpayments to Big Insurers, which means there will be cuts in their offerings.

Way to go, Dems!

that's in my next post

at least somewhat. if i leave something out [and i expect to, simply because my eyes have glazed over], feel free to mention it.

Fuck the poor

This isn't my grandfather's Democratic Party. And my grandfather's Democratic Party is what led me to get so involved several years ago.

Yeah, I'm bitter. Not because Hillary had the nomination taken from her by ill means (that travesty makes me *angry*) but because the Dems have adopted the Great Society to be great for the uber wealthy, fuck the poor. And instead of the New Deal us poor fucks get a Raw Deal.

You know, the whole Ramen noodle kerfuffle makes more sense these days. Giving $30 to poor fuckers is unacceptable, that money would be better off going to banksters and health insurance parasites. Remember how much Hillary was mocked for transfering such a relatively small amount to the poor fuckers? The transfer of wealth can only go one way for the FKDP and their Whole Foods Nation (WFN).

raw deals and ramen noodles

that about sums it up. people who actually need government to work for them are soooooo unkewl.

i became a democrat in part out of rebelliousness, having grown up in a republican [party-of-lincoln kind of republican] family. these days, my parents are staunch democrats [having given up on the republicans in disgust about the time of newt gingrich]. they're definitely left of obama, and possibly even left of hillary now.

Ramen noodles, for those who came in late

Here. The various fan sites we have trailing after us to this day seem like fallout from that post...

"First they ignore you, then they ridicule you, then they fight you, then you win." -- Mahatma Gandhi

It's not a public plan if access to it

is restricted; it's like having a public transportation system, but not being allowed to use it if you have a car. Ridiculous.

Love the timing of the implementation - 2013 - how good could a plan be if it's going to take four freakin' years to get it going? And if it's not going to take that long to implement, what they're designing is a plan that chooses politics - making sure this crappy plan won't get in the way of anyone's re-election chances - over the people who need health CARE. Nice.

What happens in the meantime? How badly are insurance companies going to screw us between now and then?

Can we just kill Obamacare now?

And the Big Insurers said, "Four more years! to suck the

life our of insurees! Four unrestricted years of parasitic paradise. For the Big Insurers.

Watch out, Dems. Backlash is a bitch.

yes we can!

[kill obamacare now]

and we should. time to ramp up the opposition.

i like your car/public transportation analogy.

The Ombudsmen (there are several, not one)

Looks like it's taken from the Social Security ombudsman langauge. I don't see anything about conflict resolution, which is a central function of the ombudsman; but I also don't know anything about how the SS ombudsman has worked out in practice. Readers?

"First they ignore you, then they ridicule you, then they fight you, then you win." -- Mahatma Gandhi

i had no clue those people even existed

thanks for that link.

and obviously, i have no clue whether the social security ombudsman has been any good or not. i'll have to keep an eye out for that.

BTW, does this make Anthony Weiner's amendment offering HR676

moot? In other words, too late to matter? But will give him reelection cover?

Damn, I'm feeling cynical.

Partly bcz the limitations on physician choice is really impacting my health and well-being. I have only 18 months to go before I'm Medicare eligible, so I won't benefit that much from achieveing single payer. Of course, Medicare, Medicaid would be better off as part of a single payer approach, but, as of now, the Johnson programs are still there, Medicaid weakened but still there. And if Medicare is weakened, at least I'll be able to choose my doctors in a year and a half. (Unless Obama and the Dems manage to really screw up Medicare....)

But, I don't want others to go through what I and so many have gone through concerning Big Insurers' parasitic plans The insecutity, the myriad little and big ways of denying people care, even getting them to self-deny due to cost and hassle. I had hope, even Hope, for real change. But, Mr. Hope and Change is not that much about helping the little people. Heh. Instead of "for All, Everybody In, Nobody " we get Everybody Except the Uberwealthy under the bus.

We're (almost) all Unterbussen now.

moot? maybe not quite yet

it's my understanding that there's still some marking up / hashing out of the bill to be done.

can't hurt to to keep advocating, is my guess.

PHNP says private for-profit insurance costs 70-71% of health

care dollars, but the figures from Wendell Potter are in the 80-85% for medical loss for the insurers.

My understanding is that the 70-71% figure includes the additional costs borne by health care providers due to increased paperwork, added personnel to deal with all the varying insurance plans, etc. Thus, there isn't any discrepancy in these facts. (BTW, the Big Insurance rep at the OFA meeting I attended used a 14-15% figure, and spoke of it with pride. She was asked about the 70-71% figures and danced around before going back to the industry line.)

Am I accurate? I would imagine people not dealing with the nitty gritty might find this confusing, and our opponents thrive on confusion to create fear and doubt about any real changes such as single payer.

i think you have it right

the 30-31% waste that pnhp cites is the total of the overhead that goes directly to insurance companies + the extra overhead that doctors and hospitals have to have in order to fight cope do business with the insurance companies.

i think that's a conservative estimate myself. i think it's closer to 40%, but that's pretty darn fuzzy, hard to know what the real numbes are, since the system is about as transparent as a brick wall.

Not covering illegal aliens should work well if there's a swine

flu epidemic, eh?.

Fookin' brilliant, Dems.

Oh, and will enable better spread of that drug-resistant TB. Whoohoo!

Intersting that at the turn of the last century, public health was gaining ground; in this new Finance Century, losing ground to the for-profit insurance industry.

We are so fucked. And by the FKD Party!!!

swine flu, bah

by all accounts, it's a mild strain, and we're tolerably good at coming up with vaccines.

yep, you should be scared of things like multiple-drug-resistant tuberculosis, mrsa, some other infectious goodies. most of them don't move through the population nearly as quickly as flu would, but they're already here and we already know we don't have anything that's effective against them.

A study came out recently saying the worst flu epidemics had

been around for years (decade, give or take) before something happened which made them more easily transmissable. Can't recall where I saw it.

evolution!

yep, those darn viruses just keep miscengenating with each other, until one day just the right combination of genes happens and -- poof! killer flu!

Maybe Tolerable

at coming up with vaccines which cover the usual variations in upper respiratory flu strains, but it has already been reported (sorry, don't recall where I saw it) that the US is having trouble growing this virus in cells to scale up for producing a vaccine.

Secondly, it turns out that this virus has a particular affinity for attaching to lung tissue, not just the upper respiratory tract, making it far more dangerous, especially for vulnerable populations where it can go into pneumonia more readily than conventional flu .

Even though antivirals such as Tamiflu were effective against the virus used in this study, there are the problems of a)Tamiflu supply and b)access. Just try getting a Doctor's appointment when you are feeling the first symptoms of a flu, which is when the antivirals are effective.

Because I am in a high risk population, I take the potential of this virus this very seriously. On the other hand, for readers born before 1918, the news is good. You are unique in having immunity to this virus, courtesy of the 1918 flu pandemic.

What do I do wrong? I hit the button to insert a link, pasted it into the box, clicked OK. It appeared just fine in the text, but disappeared in the preview...I posted thinking maybe magic would make it return. Nada. Beginner help, please.

You need to put text in the link along with the URL

For example "that this virus" -- I just fixed.

"First they ignore you, then they ridicule you, then they fight you, then you win." -- Mahatma Gandhi

Thanks

for the answer and the fixin'.

According to this article

by quixote H1N1 is becoming resistant to Tamiflu, so don't count on that. Best advice is always wash your hands and surroudings, and don a face mask at the first sign of symptoms to limit the spread.

He who will not reason is a bigot; he who cannot is a fool; and he who dares not is a slave.
- Sir William Drummond

keep up with your pneumonia shots

iirc, wasn't it the secondary bacterial [pneumonia] infections that killed more people in 1918? although i could be misremembering.

and some viruses are developing resistance to our few working antivirals [in fact, tamiflu is just about our only hope]. of course, with all our antibiotics becoming less usefull by the day too, we're going to be in trouble on that front too.

i didn't actually mean to make light of this one, but it's still a relatively tame, as diseases go, and we still have things in our arsenal to use against it. this could always change more quickly than we expect it to, you're correct, it's not a reason to become complacent.

but yeah, we'd be better prepared for a pandemic if we had truly universal health care with no prejudices of any kind.

And if you feel a bad case of H1N1 coming on...

... head for DC. Ha ha, only serious.

"First they ignore you, then they ridicule you, then they fight you, then you win." -- Mahatma Gandhi

national sneeze-on-your-congress-critter day!

i see possibilities....

The word you are looking for...

is loogie. Big honkin loogie.

"First they ignore you, then they ridicule you, then they fight you, then you win." -- Mahatma Gandhi

Non-profit insurers raising premiums by high double digits-PHNP

notes via a post by Dr. Dan McCanne about a Seattle Times article on increases in Washington state:

In what is becoming an annual ordeal for policyholders, Regence BlueShield is raising premiums for 135,000 individual health-plan members in Washington by an average 17 percent on Aug. 1.

It is the third consecutive that the state’s largest provider of individual coverage has boosted rates by double digits. And it comes after two other insurers, Group Health Cooperative and LifeWise Health Plan of Washington, recently imposed similarly steep premium increases. (My emphasis)

Dr. McCanne goes on:

Once Congress passes a mandate for individuals to purchase health plans, presumably non-profit Regence BlueShield, as the largest provider of individual plans in the state of Washington, would be a provider of those plans. Also, Group Health Cooperative is the co-op that has been proposed to serve as a model for the public option.

Group Health has been shifting more costs to patients through consumer-directed high deductible plans and HSAs, and still has a double digit hike in premiums. Some model.

Can anyone seriously state, with a straight face, that mandating purchase of these plans will somehow magically end the double digit increases in premiums for these plans?

The answer to this question is actually quite complex, but the fundamental truth is that the cost containment measures under consideration in Congress will have very little impact in slowing the escalation of health care costs. (My emphasis)

O, Brave New World! In health care, so much like the old world. Because our leaders feel they must care for the parasites and not disrupt their feeding habits.

Meet the new boss , so much like the old boss....

i [heart] don mccanne

srsly

and not just because of the snark. he's been my go-to person on single payer, and health policy analysis in general, for a year or two now. this is where i start my health care blogosphere reading everyday.

Same with Idaho

where Bl Cr/Bl Sh are a virtual monopoly. And I only have the catastrophic, if a plane crashes into me on a Thursday, "insurance", can't afford any more. It doesn't pay for any preventatives, they send me reminders of things that would be good to do like mammograms, but they don't pay anything towards getting them.

Elliot Lake

not to worry

i had the gold-plated, pays-for-everything, costs-an-arm-leg-and-firstborn-child ppo. they basically quit paying and start denying as soon as you reach your out of pocket maximum, which because i got expensively sick, i reached on the first day.

i'll never get out of debt even if i live to be older than methuselah.

IT'S TIME TO MARCH -- WE DON'T HAVE TO ACCEPT THIS!

JOIN US -- JULY 30TH --FOR THE SINGLE PAYER RALLY AND LOBBY DAY IN WASHINGTON, DC.

Join your fellow Americans on July 30th in Washington, DC to show Congress and President Obama that we support a national, single-payer healthcare system and demand the passage of HR 676.

Single Payer Rally and Lobby Day in Washington, DC, July 30th. See more information here: http://www.healthcare-now.org/campaigns/single-payer-rally/

Please download the flyer and post it everywhere: http://www.healthcare-now.org/docs/july30.pdf

Our fight for equal access to healthcare for all is about democracy, freedom, human rights, civil rights, and basic human decency.

SPREAD THE WORD! TELL EVERYONE YOU KNOW!

we DON'T have to accept this -- exactly

thanks for the links

i just now did some math -- $30 billion, 17 million kids

wendell potter:

A study conducted last year by PricewaterhouseCoopers revealed just how successful the insurers’ expense management and purging actions have been over the last decade in meeting Wall Street’s expectations. The accounting firm found that the collective medical-loss ratios of the seven largest for-profit insurers fell from an average of 85.3 percent in 1998 to 81.6 percent in 2008. That translates into a difference of several billion dollars in favor of insurance company shareholders and executives and at the expense of health care providers and their patients.

the total national health expenditure is up to about $2.3-2.4 trillion now, of which about 34% is paid for through private insurance. 34% of $2.3 trillion = $782 billion.

85.3% [used to go to paying for care] - 81.6% [what goes to paying for care now] = 3.7% difference

3.7% of $782 billion = $29 billion that went to insurance companies that could have gone to care instead. $29 billion, at $1708 per kid [2006], would have paid for medicaid for nearly 17 million kids.

And where's that $782 billion now?

The banksters pissed it away, or looted it. And then stuck us with the bailout.

"First they ignore you, then they ridicule you, then they fight you, then you win." -- Mahatma Gandhi

How Can Anyone See This As a Win?

This bill and/or the Senate HELP bill are probably the high water mark. This isn't even what's going to pass. What's going to pass is going to be some compromise away from this in all likelihood. I can hardly wait to read the Finance Committee bill, what a piece of shit that's going to be.

I understand that this might help a few people around the edges and, hey, helping anyone who needs it is a good thing. However, not even starting the public option until 2013? Bullshit. No real cost controls? Bullshit. Even if you accept, which I don't, the premise that we have to keep some sort of private health insurance system, this does it in stupid, overly complicated, expensive ways.

Instead of thinking about the fucking insider politics of it, I wish more people would look at the real politics of it. How are people who need healthcare and who have been promised it going to react to getting this shit? And by shit, I mean they could be forced to buy expensive junk insurance (there seems to be insufficient subsidies, cost controls, and quality guarantees), they could lose their jobs because their employers can't afford to give up 8% of their payroll in a down economy, and they can't get the public option - assuming they can even qualify for it - for four years. Plus, they're going to fuck with your relatives' Medicare coverage so be prepared to help out Mom and Dad.

I have good insurance and still I hate it and I hate dealing with it. It often sends me in a rage to have to deal with my insurer on pretty much any issue. I can't imagine how much people who have shitty insurance must hate it. And this pretty much guarantees that every American keeps overpaying for something they hate.

While I support single payer, I could be convinced to also support some sort of mandates on the basis that it's better than nothing. But mandated insurance only works if you have a viable public option available to all - and I do mean all - and serious cost control and regulation of the industry. These "good" bills don't seem to have any of those things. As a result, the only thing to recommend them is if you believe it will piss Americans off to such an extent that they will finally get off their asses and raise hell to demand real healthcare reform, like single payer.

"Do what you feel in your heart to be right -- for you'll be criticized anyway. You'll be damned if you do, and damned if you don't. " - Eleanor Roosevelt

i'm heartened, actually [but only a tiny bit]

i'm not an advocate of it by any stretch of the imagination, but i've come to believe [reluctantly] that only full-scale rioting will turn the tide when things get really bad. i think we might be moving closer to that.

i, for one, plan to play up the you gotta wait 4 more years part as much as i can.

But mandated insurance only works if you have a viable public option available to all

sorta true. we could have mandated private insurance, with no public option, and it could work quite well, but the industry will never never never agree to the kind of regulation that would require. nor will the fkdp ever even think of imposing that kind of regulation.

in fact, if they'd drop the ridiculous competition will save us thinking, we could have a much system all the way around. make it all completely non-profit, providers and payers, just like lambert keeps saying about the banks -- regulated public utilities! with protected [read: not constantly churned and disrupted] local monopolies and oversight with teeth, we could do a good job.

the problem with the financial wing of the fkdp is that what works in health care is very heavy-handed government interference in the market, but the financial class wants to be free to unleash their inner predators. i'm more than happy to accomodate sharks and wolves and mountain lions and grizzly bears in this lifestyle, but not humans.

Good point about mandates, hipparchia

I guess I've always assumed that the regulatory scheme would never be quite tough enough. Now we aren't getting it at all, really. Instead, we're mostly getting the magic of the markets, which has worked so well in other areas.

"Do what you feel in your heart to be right -- for you'll be criticized anyway. You'll be damned if you do, and damned if you don't. " - Eleanor Roosevelt