Discussion:
Column: Trump says he has a better plan for preexisting conditions. He doesn’t
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Miloch
2020-10-13 17:31:59 UTC
Permalink
https://www.latimes.com/business/story/2020-10-13/trump-healthcare-preexisting-conditions

By DAVID LAZARUSBUSINESS COLUMNIST
OCT. 13, 20205 AM

Protection of people with preexisting conditions returned to the spotlight
Monday as Democrats insisted a more conservative Supreme Court will take away
such safeguards and Republicans countered that they have a plan to make things a
lot better, although they’re not saying how.

President Trump set the tone for the GOP.

“Republicans must state loudly and clearly that WE are going to provide much
better Healthcare at a much lower cost,” he tweeted. “Get the word out! Will
always protect pre-existing conditions!!!”

“We will have Healthcare which is FAR BETTER than ObamaCare, at a FAR LOWER COST
— BIG PREMIUM REDUCTION. PEOPLE WITH PRE EXISTING CONDITIONS WILL BE PROTECTED
AT AN EVEN HIGHER LEVEL THAN NOW. HIGHLY UNPOPULAR AND UNFAIR INDIVIDUAL MANDATE
ALREADY TERMINATED. YOU’RE WELCOME!”

Overlooking the fact that Trump has been promising this since before becoming
president and still hasn’t unveiled a plan to accomplish these goals, that
second tweet reveals that the president, in fact, is either deliberately
misleading the American people or has no idea what he’s talking about.

If protecting people with preexisting conditions was easy, we’d have done it
long ago. The Clinton administration’s attempt at healthcare reform failed in
large part because of this huge challenge.

The Obama administration pulled it off, but only after agreeing to take a
“public option” — read: “Medicare for all” — off the table.

What Obama did instead was implement an individual mandate that Trump finds so
UNPOPULAR and UNFAIR.

By ending that, Trump has taken away the most effective tool for both covering
everyone regardless of medical condition and keeping insurance affordable and
accessible.

Which is to say, without such a mandate, he and his Republican allies can’t do
what they’re promising.

“There is essentially no content in what the president tweeted,” said Martin
Gaynor, a healthcare economist at Carnegie Mellon University.

He called Trump’s stand on preexisting conditions “a series of promises without
any indication of how they will be achieved.”

Every healthcare expert I spoke with said there’s no magic wand for covering
people with preexisting conditions. Patients with ailments such as cancer,
diabetes and heart disease are simply very expensive to cover.

The only way to fix this, experts said, is to spread such costs as widely as
possible by having everyone — healthy and sick — in the same risk pool, thus
lowering society’s overall coverage expenses.

That’s a technical way of saying you need premiums from healthy people to help
offset medical claims from the sick.

The payoff for healthy folk, of course, is that once they get sick (and they
will), other healthy policyholders will be there to help defray their costs.

“You need to keep healthy people in the risk pool,” said Dana Goldman, interim
dean of the USC Sol Price School of Public Policy.

An individual mandate — that is, a requirement that everyone be insured —
accomplishes this, he told me.

Barring that, the only way to guarantee coverage to people with preexisting
conditions is to provide insurers with “massive subsidies” to prevent them from
being overwhelmed with claims and going out of business, Goldman said.

This isn’t rocket science. It’s economics.

The more people who submit claims, the more expensive insurance becomes. The
more people who pay monthly premiums but don’t submit claims, the cheaper
coverage can remain.

The trick, therefore, if we don’t want to routinely subsidize insurers with
whopping infusions of taxpayer cash, is to get as many people as possible into
the coverage pool.

This is how other developed countries do it with their single-payer insurance
systems. Everyone participates. Everyone is affordably covered.

“Having a mixture of healthy and less-healthy individuals in the risk pool
results in lower average premiums,” said Jean Abraham, a professor of healthcare
administration at the University of Minnesota.

And that brings us back to the mandate. The Affordable Care Act was able to keep
rates relatively low by combining limited subsidies with a requirement that
nearly everyone buy coverage or face a tax penalty.

Unfortunately, the law didn’t make that penalty high enough to encourage
widespread adoption. Some younger, healthier people chose to take the modest tax
hit rather than purchase insurance, which resulted in rates for everyone else
creeping upward.

The solution, clearly, was to impose a more attention-getting penalty and thus
take advantage of economies of scale with a more diverse risk pool.

Trump’s answer was to do away with the mandate via a court challenge, thus
exposing the Affordable Care Act to rising rates as healthier people opted to
skip coverage until they needed it.

And now he isn’t just trying to get rid of the rest of the Affordable Care Act,
he wants people to believe he’s found some magical new way to keep rates down
without forcing people to spend money on something they may not want (even
though that’s precisely how our tax system works).

Of course, you can always make insurance cheaper by making it skimpier — that
is, by covering fewer conditions and treatments.

But that’s not what Trump is promising. He’s pledging better coverage at lower
rates without any insurance requirements, subsidies or penalties.

“If President Trump has a policy in mind that covers folks with preexisting
conditions ‘AT AN EVEN HIGHER LEVEL’ and ‘at a FAR LOWER COST,’ I don’t know how
we get there without increasing the generosity of subsidies, absent a mandate,”
said Ashley Swanson, an assistant professor of economics at Columbia University.

Trump infamously remarked in 2017 that “nobody knew healthcare could be so
complicated.”

Everybody knew. Smarter, more honest people nevertheless tried to do something
about it, with mixed results.

All Trump is offering for his part are hogwash and snake oil.

That’s not healthcare. It’s fraud.



*
Ted
2020-10-13 18:09:43 UTC
Permalink
On 13 Oct 2020 10:31:59 -0700, Miloch <***@newsguy.com>
wrote:
https://www.latimes.com/business/story/2020-10-13/trump-healthcare-pree
xisting-conditions
Post by Miloch
By DAVID LAZARUSBUSINESS COLUMNIST
OCT. 13, 20205 AM
Protection of people with preexisting conditions returned to the spotlight
Monday as Democrats insisted a more conservative Supreme Court will take away
such safeguards and Republicans countered that they have a plan to make things a
lot better, although they’re not saying how.
President Trump set the tone for the GOP.
better Healthcare at a much lower cost,” he tweeted. “Get the word out! Will
always protect pre-existing conditions!!!”
“We will have Healthcare which is FAR BETTER than ObamaCare, at a FAR LOWER COST
— BIG PREMIUM REDUCTION. PEOPLE WITH PRE EXISTING CONDITIONS WILL BE PROTECTED
AT AN EVEN HIGHER LEVEL THAN NOW. HIGHLY UNPOPULAR AND UNFAIR
INDIVIDUAL MANDATE
Post by Miloch
ALREADY TERMINATED. YOU’RE WELCOME!”
Overlooking the fact that Trump has been promising this since
before becoming
Post by Miloch
president and still hasn’t unveiled a plan to accomplish these goals, that
second tweet reveals that the president, in fact, is either
deliberately
Post by Miloch
misleading the American people or has no idea what he’s talking about.
If protecting people with preexisting conditions was easy, we’d have done it
long ago. The Clinton administration’s attempt at healthcare reform failed in
large part because of this huge challenge.
The Obama administration pulled it off, but only after agreeing to take a
“public option” — read: “Medicare for all” — off the table.
What Obama did instead was implement an individual mandate that Trump finds so
UNPOPULAR and UNFAIR.
By ending that, Trump has taken away the most effective tool for both covering
everyone regardless of medical condition and keeping insurance
affordable and
Post by Miloch
accessible.
I love you morons. :-)
Siri Cruise
2020-10-13 21:47:25 UTC
Permalink
Post by Ted
I love you morons. :-)
I believe in the power of clapping. It brought Tinkerbell back to
life.
--
:-<> Siri Seal of Disavowal #000-001. Disavowed. Denied. Deleted. @
'I desire mercy, not sacrifice.' /|\
The first law of discordiamism: The more energy This post / \
to make order is nore energy made into entropy. insults Islam. Mohammed
Ted
2020-10-14 14:10:05 UTC
Permalink
On Tue, 13 Oct 2020 14:47:25 -0700, Siri Cruise
Post by Siri Cruise
Post by Ted
I love you morons. :-)
I believe in the power of clapping. It brought Tinkerbell back to
life.
Thanks Siri, I'll have to look into it. (And we've already
established that Tinkerbell is one hot babe.)
--
It always ceases to amaze me, how many of you could care less.
Siri Cruise
2020-10-14 16:08:55 UTC
Permalink
Post by Ted
On Tue, 13 Oct 2020 14:47:25 -0700, Siri Cruise
Post by Siri Cruise
Post by Ted
I love you morons. :-)
I believe in the power of clapping. It brought Tinkerbell back to
life.
Thanks Siri, I'll have to look into it. (And we've already
established that Tinkerbell is one hot babe.)
Oh, and the republican healthcare plan was announced a long time
ago.

Don't get sick.

If you get sick, die quickly.
--
:-<> Siri Seal of Disavowal #000-001. Disavowed. Denied. Deleted. @
'I desire mercy, not sacrifice.' /|\
The first law of discordiamism: The more energy This post / \
to make order is nore energy made into entropy. insults Islam. Mohammed
Yak
2020-10-14 16:14:51 UTC
Permalink
Post by Siri Cruise
Post by Ted
On Tue, 13 Oct 2020 14:47:25 -0700, Siri Cruise
Post by Siri Cruise
Post by Ted
I love you morons. :-)
I believe in the power of clapping. It brought Tinkerbell back to
life.
Thanks Siri, I'll have to look into it. (And we've already
established that Tinkerbell is one hot babe.)
Oh, and the republican healthcare plan was announced a long time
ago.
Don't get sick.
If you get sick, die quickly.
Awesome, they should do this with auto insurance too. This way I can
cancel mine and wait until I get into a wreck, then buy it. Friggin'
genius!!!!
Ted
2020-10-14 18:20:54 UTC
Permalink
On Wed, 14 Oct 2020 09:08:55 -0700, Siri Cruise
Post by Siri Cruise
Post by Ted
On Tue, 13 Oct 2020 14:47:25 -0700, Siri Cruise
Post by Siri Cruise
Post by Ted
I love you morons. :-)
I believe in the power of clapping. It brought Tinkerbell back to
life.
Thanks Siri, I'll have to look into it. (And we've already
established that Tinkerbell is one hot babe.)
Oh, and the republican healthcare plan was announced a long time
ago.
Don't get sick.
If you get sick, die quickly.
Doesn't matter to me what they do.
Kill Russians
2020-10-15 21:57:23 UTC
Permalink
Post by Siri Cruise
Post by Ted
On Tue, 13 Oct 2020 14:47:25 -0700, Siri Cruise
Post by Siri Cruise
Post by Ted
I love you morons. :-)
I believe in the power of clapping. It brought Tinkerbell back to
life.
Thanks Siri, I'll have to look into it. (And we've already
established that Tinkerbell is one hot babe.)
Oh, and the republican healthcare plan was announced a long time
ago.
Don't get sick.
If you get sick, die quickly.
Real capitalists know that healthcare is socialist and the enemy of all
we hold sacred. Trump says too many doctors are jews and if we had
more blacks it would be cheaper. You got the righ to a gun but no right
to healthcare so use that gun to get healthcare. Take it along to the
Emerg.
Gronk
2020-10-24 04:32:12 UTC
Permalink
Post by Siri Cruise
Post by Ted
I love you morons. :-)
I believe in the power of clapping. It brought Tinkerbell back to
life.
Thoughts, prayers, and ... clapping!

The Health Care Trifecta

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