Friday, November 04, 2011

If a Policy Succeeds and Nobody Hears About It...

Andrew Sullivan points out that health care reform is doing what it was supposed to do.

Thing is, this year I got hit with some increases in health care costs. I know quite a few folks who also did. Some of them are blaming health care reform, but as I look at the results of more young people participating in health care, and the health insurance profits skyrocketing, I don't think any of the new laws are to blame for the increases.

Hell, I remember similar increases back in 2004 and 2005.



Dante said...

Is it working? I hadn't noticed because:

1. I lost some of my coverage because if we kept the same plan we had previously been on, we'd have been hit with a 40% tax (or are we calling that a "fee" these days) on our plan since it somehow fit the "Cadillac" definition.

2. We were informed that next year our FlexSpending accounts would be capped at $2,500 per year. Given that our typical yearly out-of-pocket expenses are about $3,000 (nice Cadillac, eh?), my out-of-pocket is going to automatically go up.

So yeah, health care reform is doing exactly what it's supposed to do: It's padding insurance company profits by using force of law to compel those who least need their product to buy it while kicking already-responsible employers and employees in the balls. I heard that tree in the woods, but only because the fucking thing landed on me.

Cousin Pat from Georgia said...

1. Strange. Same thing happened to me in 2004. And then 2005. And then in 2007. And again this year. I think that's pretty much the health insurance industry's SOP. I have to think that, as long as we have for-profit health insurance companies, we'll experience these types of problems.

2. I couldn't speak to the FlexSpending accounts, due to absolute ignorance of how that works.

3. Hey, this is the plan the GOP wanted to go with back in the day. They're such good negotiators that they were able to get all these insurance company profits padded and had the Democratic Congress and President to pass their plan without any of them even voting for it. Pretty cool.

Though I've seen the results when "those who least need their product" actually need it, and stick the rest of us with the bill, anyway, while bankrupting their families in the process. Then I compared that to the results when "those who least need their product" actually have it these days. You know what?
The overall costs are much lower.

It ain't a perfect fix, but it is demonstrably better than the alternative.