Now that the ACA or "Obamacare" has kicked in,
this simple lizard has a few thoughts to put out on how it's going. First, it occurs to me that while there have
been plenty of complaints from humans of the right-wingety variety, few if any
have latched onto something that really is quite radical about the otherwise
middle-of-the-road initiative. I'm
referring to that little bid'niss of doing away with the "pre-existing
conditions" screening procedure.
Know why that's che-sexy radical?
Well, THE BASIC PREMISE of insurance is that you must set up your client-parameters
with certain exclusions in mind, ones that allow you to turn a profit by the
actuarial tables. I'll bet you're still
trying to wrap your mind around the fact that a walnut-brained Jurassic dinosaur
just used a fancy phrase like "actuarial tables" and actually seems
to have understood what it meant, but let's get back to the subject at
hand. What I'm suggesting is that
Obumuhcare messes with the very concept that makes insurance insurance.
Here's a f'rinstance: if a guy is standing on top of a tall
building and threatening to jump, you don't sell him a million-dollar
life-insurance policy that takes effect immediately and carries no exclusionary
language against suicide. But that's close
to what Obamacare does, isn't it? If I
have three life-threatening diseases at the same time, I get to sign up for a
policy and you can't exclude me on that basis.
You also don't get to charge me more, if I understand the law
correctly. (Except that the insurers can
still charge more for older people.
Because not doing that would be no fun at all.) What that requirement does is transform the
for-profit insurer into an entity that in at least one regard has to behave rather
like a gub'mint agency. You get Medicare
when you turn 65. They don't turn you away
because you're sick or old, not even with an unctuous smile.
Now, I'm not complaining about this new development – far from
it. If I've got it right, it's a good
move on the Administration's part. It's even
admirably insidious of them, no? People
are so busy complaining about a few curve balls that they've missed the soshulist
spitball fluttering right past them and into the catcher's mitt. So there's that. Big Insurers who used to make Cruella De Vil (you
know, the novel and cartoon character who grinned maniacally whilst shooting
dalmations from a helicopter – okay, I made that last part up) look like a major
benefactor to the ASPCA must now behave like halfway decent corporate citizens.
But then there's everything else. I've read that a lot of very poor folk have
been able to sign up for Medicaid, CHIP, etc. and that a lot of people have
indeed been able to get policies with help from Uncle Sam. That's great.
What's not so great is that in a fair number of cases, middle-classers
are finding that those "affordable" new ACA-compliant policies are priced
beyond financial reach, and no help is available. Somehow, when the Democrats say "rich
bastard," they always seem to mean, "Bill Gates, Warren Buffet and
all those other caviar-eating mother-truckers who make more than $25,000 per
annum." Yup, O ye rich 'uns, your Prada-shod
hoof shall slide in due time; your days of living it up with your ill-gotten venti-cinque
mille k's are fast coming to the ignominious end they deserve. Yes, that's right, you -- and …. Well, you get the idea.
That’s a problem with the ACA, I think – it fails up to now to
make provision for the fact that a lot of perfectly ordinary Americans are getting
squeezed by the provisions of a law intended to help ordinary Americans. Because of course how could people who preside
over a capitalist economy possibly be expected to bethink themselves five
minutes in advance and realize what's bound to happen when they tell insurers
to start offering something like "access to necessary health care"
instead of the snake-oil & small-print gobs of bunkum they've so often been
guilty of offering in the past? Think
ahead? "Who does that?" as the
saying goes. Who, indeed. Why, if you thought they should have made
allowance for this kind of behavior, you're just the sort of unreasonable individual
who thinks that when you know your website is going to get 3.8 million hits per
day, you ought to design it not to crash when more than five people log on at
once. And there's just no talking to an unreasonable
lot like you. I give up, I really do.
Put these two things together – one, that Obamacare
radically and (I think) admirably transforms the health insurance market in
terms of how it assesses eligibility for access to care, and two, a lot of
people don't perceive "unaffordably higher premiums for somewhat better
policies" to be particularly beneficial to them. Then I think you can see what needs to
happen. No, not the "Repeal Maobamacare"
mantra of the Right, but rather a determination to iron out whatever needs
ironing out in the ACA and a recognition (forced on us partly by the ACA
itself) that yes, health care is often pretty good in this country but it's also
pretty expensive and almost nobody can really afford the true cost of it, so
the market is a VERY imperfect vehicle for making things right. All that means extending the premium
subsidies to people who make more than the amounts that currently trigger
subsidies. (And yes, my $25,000 figure
was only intended as satire, it isn't even close to the correct figure.) Extending the subsidies or tax breaks would
move the ACA much closer to being a law that recasts health-care access as a
basic right, a necessity, rather than as a privilege or a hassle.
As things stand, I think the ACA only goes about halfway in
that direction, and that's why the public perception of it (aside from enough right-wing
propaganda to choke up the infernal rivers Phlegethon and Cocytus together) isn't
very positive right now. It's the
half-measure we were able to get given the political landscape during President
Obama's first term, and therein lies the problem. Apparently, so many of us here in the "US
& A" despise government so much that even when we try to get it to do
something good, we do things in a muddled, overly complex and yet half-bum way and
we end up creating as many problems as we solve. What I think needs to be done would cost us all
somewhat more as taxpayers, but at least it would be fair and it would stop all
the grumbling about the unintended consequences of a major and mostly
beneficial law.