The lie of the year, according to Politifact, is “If you like your health care plan, you can keep it.” But the story of the year is a nation waking up to just how radical Obamacare is — which is why it required such outright deception to get it passed in the first place.
Obamacare was sold as simply a refinement of the current system, retaining competition among independent insurers but making things more efficient, fair and generous. Free mammograms and checkups for you and me. Free (or subsidized) insurance for some 30 million uninsured. And,mirabile dictu
, not costing the government a dime.
In fact, Obamacare is a full-scale federal takeover. The keep-your-plan-if-you-like-your-plan ruse was a way of saying to the millions of Americans who had insurance and liked what they had: Don’t worry. You’ll be left unmolested. For you, everything goes on as before.
That was a fraud from the very beginning. The law was designed to throw people off their private plans and into government-run exchanges where they would be made to overpay —forced to purchase government-mandated services they don’t need — as a way to subsidize others.
It wasn’t until the first cancellation notices went out in late 2013 that the deception began to be understood. Six million Americans with private insurance have just lost it. And that’s just the beginning. By the Department of Health and Human Services’ own estimates, about 75 million Americans have plans that their employers would have the right to cancel. And millions of middle-class workers who will migrate to the exchanges and don’t qualify for government subsidies will see their premiums, deductibles and co-pays go up.
It gets worse. The dislocation extends to losing one’s doctor and drug coverage, as insurance companies narrow availability to compensate for the huge costs imposed on them by the extended coverage and “free” services the new law mandates.
But it’s not just individuals seeing their medical care turned upside down. The insurance providers are rapidly becoming mere extensions of the federal government.
Look what happened just last week. Health and Human Services unilaterally and without warning changed coverage deadlines and guidelines. It asked insurers to start covering people on Jan. 1 even if they signed up as late as the day before and even if they hadn’t paid their premiums. And is “strongly encouraging” them to pay during the transition for doctor visits and medicinesnot
covered in their current plans (if covered in the patient’s previous — canceled — plan).
On what authority does a Cabinet secretary tell private companies to pay for services not in their plans and cover people not on their rolls? The bill itself is simply taken as a kind of blanket authorization for HHS to run, regulate and control the whole insurance system.
Three years ago I predicted that Obamacare would turn insurers into the lapdog equivalent of utility companies. I undershot. They are being treated as wholly owned subsidiaries. Take the phrase “strongly encouraging.” In reality, these are offers insurers can’t refuse. Disappoint your federal master and he has the power to kick you off the federal exchanges, where the health insurance business of the future is supposed to be conducted.
Moreover, if adverse selection drives insurers into a financial death spiral — too few healthy young people to offset more costly, sicker, older folks — their only recourse will be a government bailout. Do they really want to get on the wrong side of the White House, their only lifeline when facing insolvency?
I don’t care a whit for the insurance companies. They collaborated with the White House in concocting this scheme and are now being swallowed by it. But I do care about the citizenry and its access to a functioning, flourishing, choice-driven medical system.