Study: 6M with pre-existing conditions could be charged more under GOP plan
More than 6 million people with pre-existing conditions could face higher insurance premiums under the GOP's ObamaCare repeal bill because of gaps in coverage, according to a new analysis by the Kaiser Family Foundation (KFF). Load Error Under the American Health Care Act (AHCA), which narrowly passed the House last month, states would be allowed to waive the community rating provision of ObamaCare, which prevents insurers from charging more for those with pre-existing conditions.The provision was added in the final days before the bill's passage to win conservative votes.
The White House said President Trump was scrapping health insurance subsidies, and he signed a While many health insurers remained silent about the executive order, some voiced concern that it Administration officials said they had not yet decided which federal and state rules would apply to
Trump says he wants a deal on health care . His actions show he's actually trying to undo current law. Analysis: How Trump is unraveling Obamacare piece by piece. Trump says he wants a deal on That would undermine the entire system, which depends on young, healthy people paying to
WASHINGTON — Health insurers across the country are making plans to dramatically raise Obamacare premiums or exit marketplaces amid growing exasperation with the Trump administration's erratic management, inconsistent guidance and seeming lack of understanding of basic health care issues.
Uh-Oh: The House May Need to Vote on Health Care (Again!)
House Republicans passed the American Health Care Act earlier this month, but there's still a chance they might have to return to it again before theHouse Republicans passed the American Health Care Act earlier this month, but there's still a chance they might have to vote on it again before the Senate can take it up.
But Trump administration officials say that with insurance premiums soaring in many states , consumers should be able to buy As they waited for details of the executive order, health insurers still offering coverage in the online marketplaces created by the health care law were apprehensive.
The White House said in a statement that the government cannot legally continue to pay the so-called cost Insurers , state regulators from both political parties and consumer advocates had hoped that Congress Trump issues order to deregulate health insurance, promising relief from Obamacare .
At the same time, state insurance regulators — both Democrat and Republican — have increasingly concluded they cannot count on the Trump administration to help them ensure that consumers will have access to a health plan next year.
The growing frustration with the Trump administration's management — reflected in letters to state regulators and in interviews with more than two dozen senior industry and government officials nationwide — undercuts a key White House claim that Obamacare insurance marketplaces are collapsing on their own.
Instead, according to many officials, it is the Trump administration that is driving much of the current instability by refusing to commit to steps to keep markets running, such as funding aid for low-income consumers or enforcing penalties for people who go without insurance.
States get involved in lawsuit to shield Obamacare, saying Trump can’t be trusted
State attorneys general 'political bargaining chips' for TrumpLoad Error
Trump ’s order would effectively lift some of those restrictions so that , among other things, they could exclude some of the ACA’s essential benefits. Now, markets in some of those states are suddenly looking shaky again, but officials and insurers have said that ’s to a large extent because of actions
Health insurers and state regulators around the country have concluded they cannot rely on the Trump administration to effectively run Obamacare Health insurers across the country are making plans to raise Obamacare premiums or exit marketplaces amid exasperation with the Trump
"All this uncertainty is not helpful," warned Blue Shield of California CEO Paul Markovich, who said health plans are being forced to make plans to raise premiums to account for the turmoil, jeopardizing Americans' coverage.
Markovich was one of the few senior insurance officials who agreed to speak on the record, as many fear retribution from the White House or its allies.
But privately, many executives, including chief executives of major health plans, offered withering criticism of the Trump administration's lack of leadership.
"It's hard to know who's home," said one CEO. "We don't know who is making decisions."
Another chief executive said: "There seems to be no coordination or coherent planning. ... It's a mess."
A third official observed: "There is a sense that there are no hands on the wheel and they are just letting the bus careen down the road."
Trump and GOP congressional leaders insist the marketplaces are collapsing because of flaws in the original law. They cite premium hikes in some states, and decisions by several insurers to stop selling Obamacare plans, including major national companies such as Humana and UnitedHealth Group. That has left some areas of the country with just one health plan option next year.
Trump considers sabotaging Obamacare to force Dems to negotiate
President Trump is seriously considering whether to intentionally sabotage Obamacare in an attempt to force Democrats to the negotiating table, according to Politico. Load Error Trump has told advisers that he wants to end paying key Obamacare subsidies, a move that would likely send the law's individual insurance markets into a tailspin. On Tuesday, he said in an Oval Office meeting that he wants to end the estimated $7 billion in annual payments to insurers to help them reduce deductibles and other out-of-pocket costs for poorer consumers, approximately 7 million people.
Trump officials have also almost entirely ended advertising for Obamacare but are expanding The myriad other ways Trump has undermined Obamacare . Trump administration officials have done Insurers hate uncertainty, and the Obamacare markets, upon which millions of Americans rely for
Insurers warn those actions will draw more healthy people who want either cheap coverage or none at all Interestingly, not all the actions the Trump administration has taken toward the Obamacare A White House official said Sunday that he would remain with the medical unit there but that he would
"Obamacare has failed," said Alleigh Marre, a spokeswoman for the U.S. Department of Health and Human Services. "For this reason, Republicans are reforming health care so it delivers access to quality, affordable coverage to the American people."
Several Republican state insurance commissioners also blamed weaknesses in the law for the current instability. "There has been uncertainty with the Affordable Care Act since it started," said Maryland Insurance Commissioner Al Redmer Jr. Maryland's largest insurer, CareFirst, is seeking to raise rates by more than 50 percent next year.
But most health plans and state regulators interviewed for this story said the Trump administration has significantly exacerbated turmoil in the marketplaces in recent months, contributing to rising premiums and the threat of marketplaces exits.
"There is no consistency to the messages," said Ceci Connolly, CEO of the Alliance of Community Health Plans, whose members include leading health systems such as Kaiser Permanente and Geisinger Health Plan. "We are very confused."
Trump administration faces decision on ObamaCare payments
The Trump administration will have to decide Monday whether it wants to continue fighting a court decision that could undo one of ObamaCare's key features. Load Error
Affordable Care Act insurance premiums are expected to drop 2 percent nationally next year, said Alex Azar, Health and Human Services secretary. Obamacare premiums are expected to drop 2 percent nationally next year, and the total number of insurers on the federal exchange will grow for the first
2 Suspended a program that protects insurers with the sickest patients. 5 Said it would end subsidies to health insurance companies that help low-income customers pay out-of-pocket medical costs. 6 Decided not to send health department officials to local open enrollment events in states .
The Trump administration has sent mixed signals about whether it will enforce penalties on people who don't buy health insurance. The penalty, though unpopular, is seen as critical to inducing younger, healthier people to get coverage.
Trump and his deputies have also repeatedly threatened to withhold federal aid that helps millions of low-income Americans afford their deductibles and co-pays.
The aid, which reimburses insurers for lowering out-of-pocket costs, was paid by the Obama administration, but is now the subject of a lawsuit by congressional Republicans, who argue Congress must approve the payments.
The Trump administration hasn't taken an official position in the lawsuit. But in recent months, the president publicly mused about stopping the payments to force Democrats to negotiate a repeal of the current law. It remains unclear whether the administration will continue the payments, known as cost-sharing reductions, or CSRs.
In a letter to Washington state insurance regulators earlier this month, California-based Molina Healthcare, a leading provider of Obamacare plans in many states, warned halting CSRs may cause the collapse of the state's market.
"If the federal government's full CSR funding commitments are in jeopardy, we believe that the viability of the exchange market is in immediate jeopardy of failing," wrote Peter Adler, who oversees Molina's plans in Washington.
Health insurers plan higher premiums as exasperation with Trump grows
Health insurers across the country are making plans to significantly raise premiums or leave Affordable Care Act marketplaces as exasperation grows with the Trump administration's erratic management of the program.Meanwhile, state insurance regulators — Democratic and Republican — have increasingly concluded they cannot count on the Trump administration to help them ensure that consumers will have access to health insurance next year.
By allowing consumers to buy association plans across state lines, Trump could further undermine Obamacare plans. With premiums for those plans skyrocketing, Trump is turning to a variety of smaller fixes that he said would increase Those association health plans already exist, but federal
The Trump administration on Saturday halted billions of dollars in payments to health insurers under the Obamacare healthcare law, saying that a President Donald Trump ’s administration has used its regulatory powers to undermine Obamacare after the Republican-controlled Congress last year
The uncertainty created by Trump comes as some Obamacare markets were beginning to stabilize, according to many industry and government officials. In several states, insurers and regulators noted that 2017 was shaping up to be a better year than the first several years of the marketplaces.
Tennessee Blue Cross Blue Shield CEO J.D. Hickey reported in a letter to that state's insurance commissioner this month that "our 2017 performance has improved due to a combination of better claims experience and more sustainable rate structure."
Hickey warned in the letter that "potential negative effects of federal legislative and/or regulatory changes," including not paying CSRs or enforcing the mandate, would require the Tennessee plan "to price-in those downside risks."
Many state insurance regulators are similarly dismayed by the Trump administration's actions, which Washington state Insurance Commissioner Mike Kreidler compared to playing Russian roulette with Americans' health insurance coverage.
"It's ludicrous," said Kreidler, who is a Democrat. "This has real impact on people's lives."
In Colorado, where most consumers continue to have multiple insurance choices, commissioner Marguerite Salazar said the Trump administration threatens the whole market: "My fear is it may collapse," she said.
Mississippi Insurance Commissioner Mike Chaney, a Republican, is so concerned the turmoil will drive away insurers that he's exploring whether the state can make available limited benefit insurance plans as a stopgap.
The plans would likely cap medical care and prescription drug coverage. But Chaney said, "It would be better than nothing."
Insurance industry officials and state regulators have met repeatedly in recent months with senior Trump administration officials in an effort to explain that administration's actions are jeopardizing health coverage for millions of Americans.
But in many cases, the meetings only left insurers and regulators more confused about the administration's plans, according to attendees.
At one recent meeting, Seema Verma, whom Trump picked to oversee the federal Medicare and Medicaid programs, stunned insurance industry officials by suggesting a bargain: The administration would fund the CSRs if insurers supported the House Republican bill to repeal the Affordable Care Act.
"It made no sense," said one official at the meeting.
Many insurers, as well as every leading patient and physician group, believe the House bill is deeply flawed. Independent analyses suggest the legislation, which Trump has enthusiastically backed, would increase the ranks of uninsured by 24 million over the next decade.
CBO: Republican health care bill raises premiums for older, poor Americans by as much as 850% .
The American Health Care Act would make a low-income 64-year-old in the individual market pay more than half his income for health insurance. Republicans’ American Health Care Act would be devastating to older Americans who rely on the individual insurance market, according to an analysis by the Congressional Budget Office. Load Error