Favorite

Obamacare works 

If you read only the headlines you would think that Obamacare is on its last leg, a national train wreck even in Arkansas, where Republicans and Democrats preserved its biggest feature, assured medical care for the working poor.

A few insurance companies aren't making enough, or any, money off the policies sold on some Obamacare exchanges, because too many sick people and too few healthy people are buying policies. They are pulling out, leaving less competition in many places.

The latest news about the astonishing success of Arkansas's novel twist on Obamacare's Medicaid for the poor — once known as the private option — translated into bad news, because, its critics say, so many Arkansans have signed up for subsidized insurance that it will bankrupt the treasury when the state starts paying a share.

Because the program seems unsalvageable, maybe prayers for the death of Obamacare will be answered after all come January, when a new president and Congress take over.

Alas, it won't happen, even under the unlikeliest circumstance: President Donald Trump and sizable Republican majorities in both houses. They would nominally repeal the law and replace insurance for 17 million Americans with — what? Like Bernie Sanders, Trump promised guaranteed insurance for everyone, adding 27 million more people to the 17 million insured by Obamacare.

But changes are coming, principally in nomenclature if the Republicans prevail. If Hillary Clinton and Democrats win, there will be changes to expand coverage and stimulate competition, perhaps by allowing the federal government to offer policies and other features that were in the House of Representatives bill that would have passed in 2010 had a death in the Senate not forced Congress to take the Senate bill.

Let's look at the state and national developments separately.

Arkansas's private option — letting the poor get commercial insurance on the Obamacare exchange instead of direct government medical aid — was a Republican idea, but by 2015, when Gov. Hutchinson took office, it had been branded as socialism like Obamacare itself. So he tinkered to make it a little harder and costlier for the very poor to get coverage and renamed it Arkansas Works. The Obama administration will soon give him a waiver to do several of those things, but it demands that if the state is going to run the exchange, as Hutchinson is asking, it must use some federal money to help people navigate the daunting signup process, which the legislature in 2013 prohibited.

Last week, a few Republican legislators complained that the huge success of the Medicaid expansion — more than 325,000 Arkansans whose earnings are below or barely above the poverty line are covered — would break the treasury after the state starts paying part of the premiums. Instead of helping more people get medical care, one leading Republican legislator said, Arkansas should find ways to get them off the rolls and eliminate some of their coverage. Even the governor feared rising costs.

What no one dared explain was that, as far as the state treasury and Arkansas taxpayers are concerned, the wider coverage the better. After the state starts paying 10 percent of Medicaid in 2020, the treasury will be fatter and Arkansas taxpayers far better off than if the program had never started. The legislature's business consultants told it so.

Nationally, the insurance industry was prophetic when it warned Congress in 2010 that the law's subsidies and tax penalties for people who insist on not being insured were not big enough to guarantee a healthy market. It predicted that younger healthy people would wait until they got sick before buying the policies. The administration helped some by making it harder for people to buy insurance midyear when they got sick.

The big problem was that Congress had to take the Senate bill rather than the House bill, which had higher subsidies for the poor, direct premium subsidies rather than complex tax credits, and provision for a public option to compete with commercial companies.

But those can be remedied next year, by adjusting subsidies, raising the ceiling for government aid above 400 percent of poverty, fixing the tax penalties and allowing a government option on the exchanges.

Meantime, the problems obscure Obamacare's benefits — a shrunken federal deficit, medical protection for 17 million more people and vastly improved health, especially in the 31 states that expanded Medicaid to all the working poor. A check on current disability rolls shows that the decline in disability enrollments since the law was passed continues, nationally and in Arkansas — way down even from the prosperity peak of the George Bush presidency in 2006.

We could be Texas. It responded to Obamacare's passage by refusing Medicaid expansion and slashing family planning and pregnancy coverage for poor women. A medical journal reports that pregnancy among poor women rose and maternal mortality rates quickly doubled to near third-world rates.

Favorite

From the ArkTimes store

Speaking of Obamacare

Comments

Subscribe to this thread:

Add a comment

More by Ernest Dumas

  • Conley's plea

    Even with his facial stubble, Garrard Conley looks and acts like a diffident teenager, not a 33-year-old man who is a leading exponent of the "gay agenda," as right-wingers refer to the movement to gain equal treatment for sexual minorities.
    • Feb 15, 2018
  • Inspired by LBJ

    Ordinarily, you turned to Lyndon B. Johnson to dislocate a congressman's elbow and to get things done, not for oratory and inspiration. For that, you had Dr. Martin Luther King Jr. and John F. Kennedy.
    • Feb 1, 2018
  • Love that deficit

    Is 2018 the year that Americans finally learn to love the deficit? It has all the makings for such a phenomenon, at least for one year.
    • Jan 25, 2018
  • More »

Readers also liked…

  • No tax help for Trump

    The big conundrum is supposed to be why Donald Trump does so well among white working-class people, particularly men, who do not have a college education.
    • Aug 11, 2016
  • Dollars and degrees

    Governor Hutchinson says a high graduation rate (ours is about the lowest) and a larger quotient of college graduates in the population are critical to economic development. Every few months there is another, but old, key to unlocking growth.
    • Aug 25, 2016
  • Along the civil rights trail

    A convergence of events in recent days signaled again how far we have come and how far we have yet to go in civil rights.
    • Jan 18, 2018

Most Shared

  • In the margins

    A rediscovered violin concerto brings an oft-forgotten composer into the limelight.
  • Donald Trump is historically unpopular — and not necessarily where you think

    My colleagues John Ray and Jesse Bacon and I estimate, in the first analysis of its kind for the 2018 election season, that the president's waning popularity isn't limited to coastal cities and states. The erosion of his electoral coalition has spread to The Natural State, extending far beyond the college towns and urban centers that voted for Hillary Clinton in 2016. From El Dorado to Sherwood, Fayetteville to Hot Springs, the president's approval rating is waning.
  • Arkansans join House vote to gut Americans with Disabilities Act

    Despite fierce protests from disabled people, the U.S. House voted today, mostly on party lines, to make it harder to sue businesses for violating the Americans with Disabilities Act. Of course Arkansas congressmen were on the wrong side.

Latest in Ernest Dumas

  • Conley's plea

    Even with his facial stubble, Garrard Conley looks and acts like a diffident teenager, not a 33-year-old man who is a leading exponent of the "gay agenda," as right-wingers refer to the movement to gain equal treatment for sexual minorities.
    • Feb 15, 2018
  • Inspired by LBJ

    Ordinarily, you turned to Lyndon B. Johnson to dislocate a congressman's elbow and to get things done, not for oratory and inspiration. For that, you had Dr. Martin Luther King Jr. and John F. Kennedy.
    • Feb 1, 2018
  • Love that deficit

    Is 2018 the year that Americans finally learn to love the deficit? It has all the makings for such a phenomenon, at least for one year.
    • Jan 25, 2018
  • More »

Event Calendar

« »

February

S M T W T F S
  1 2 3
4 5 6 7 8 9 10
11 12 13 14 15 16 17
18 19 20 21 22 23 24
25 26 27 28  

Most Viewed

  • Donald Trump is historically unpopular — and not necessarily where you think

    My colleagues John Ray and Jesse Bacon and I estimate, in the first analysis of its kind for the 2018 election season, that the president's waning popularity isn't limited to coastal cities and states. The erosion of his electoral coalition has spread to The Natural State, extending far beyond the college towns and urban centers that voted for Hillary Clinton in 2016. From El Dorado to Sherwood, Fayetteville to Hot Springs, the president's approval rating is waning.

Most Recent Comments

  • Re: Out of control

    • Gene, the all wise one, needs to help us set some new rules. What if…

    • on February 18, 2018
  • Re: Out of control

    • And Olphart - hey, That is a witty reply - good for you!

    • on February 17, 2018
  • Re: Out of control

    • Oh for god's sake - read the play - just read the play before going…

    • on February 16, 2018
 

© 2018 Arkansas Times | 201 East Markham, Suite 200, Little Rock, AR 72201
Powered by Foundation