Pages

Sunday, November 9, 2014

Health Care Reform Articles - November 9, 2014

Justices to Hear New Challenge to Health Law


Supreme Court Takes the Obamacare Subsidy Case--Justices Will Rule Before July 1

In a wow moment, the Supreme Court announced Friday that they will take one of the four pending "Halbig" cases––specifically King v. Burwell.

The issue is over whether the new health law actually authorizes the payment of premium subsidies in the 37 states that will rely upon the federal government to run their exchange in 2015.

This effort is being made on a number of fronts but has been generally know as the "Halbig" challenge. I guess we will now call it the King challenge.

If the Supreme Court eventually affirms this challenge, anyone receiving a health insurance subsidy in the 37 states run by the feds would immediately lose it. Given that the bulk of those currently getting subsides are at the lower income range for those subsidy eligible, most would likely drop their Obamacare insurance unless they were so sick it made sense for them to beg, borrow, or steal the money they would need to continue making premium payments.

The result would be a much smaller Obamacare insurance pool disproportionately filled with sick people.

Even if a state rushed to convert its status to that of a state exchange in order for its citizens to continue to receive their insurance subsidies, the process would take at least months. In the reddest states that have been fighting Obamacare, it could take far longer. In the meantime, the entire off and on exchange individual health insurance market in these states would be dramatically destabilized.

Health Care Reform Imperiled 

What’s at Stake in Supreme Court’s Latest Health Care Case

Study Points to Overdiagnosis of Thyroid Cancer

by Gilbert Welch
HISTORICALLY, the science of epidemiology was directed toward identifying and controlling epidemics of infectious disease. In a study just published in the New England Journal of Medicine, my colleagues and I highlight another important job for epidemiologists: identifying and controlling epidemics of medical care.
The setting is South Korea, where, over the last two decades, the incidence of thyroid cancer has increased fifteenfold. Nowhere in the world is the rate of any cancer growing faster.
We’ve all been taught to seek biological explanations for a significant rise in disease — perhaps a new infectious agent or environmental exposure. But in South Korea, we are seeing something different: an epidemic of diagnosis.
In 1999 the government initiated a national health-screening program focused on reducing cancer and other common diseases. Although thyroid cancer screening was not included in the program, all it requires is a simple test — an ultrasound of the neck. Hospitals have ultrasound machines and so do many doctors’ offices. Both promoted thyroid cancer screening as an inexpensive add-on to the government program. It was an easy sell, particularly with the government, the medical community, the news media and cancer “survivors” praising the virtue of early cancer detection.
In doing so they inadvertently highlighted the major harm of early detection: What was a rare cancer is now the most common cancer in South Korea.
Where did all those new thyroid cancers come from? They were always there. As early as 1947 pathologists recognized that, although it was a very rare cause of death, thyroid cancer was a frequent finding during autopsies. Studies have since shown that over a third of adults have thyroid cancer. Virtually all of these cancers are small “papillary thyroid cancers,” many of which will never become evident during a person’s life.



Partners tactics have familiar ring

Partners HealthCare, the nonprofit health system that prefers not to be known as a big business, is comparing itself to some of the biggest corporations in America to persuade a judge to allow it to acquire three community hospitals.
Partners wants Suffolk Superior Court Judge Janet L. Sanders to use antitrust cases involving Microsoft, US Airways, and Citigroup as road maps for deciding whether to approve a settlement that would allow Partners to take over South Shore Hospital in Weymouth and Hallmark Health System in Medford and Melrose. 
In those cases, Partners argued in legal filings, the courts approved the settlements not because they solved all the market problems, but because they were negotiated in good faith.
Similarly, Partners is urging Sanders to avoid trying to cure the “ills” of the state’s health care system as she considers the agreement, reached in May with Attorney General Martha Coakley, and simply make sure the settlement is rational and fair.
“It’s not going to fix everything in health care,” said Bruce D. Sokler, a lawyer for Partners. “It’s not necessarily going to satisfy everybody.” 

But opponents of the mergers argue the ills of the Massachusetts health care system, including high costs, should be front and center. Partners’ failure to cite a hospital merger to bolster its case should cast additional doubts on the merits of the settlement, they added.



Just Because a Policy Causes a Death Spiral Doesn’t Mean It’s Unsustainable



As my colleague Margot Sanger-Katz notes, a Supreme Court ruling against the Obama administration in King v. Burwell would cause significant disarray in health insurance markets, by denying subsidies to anyone buying health insurance on the individual market in states that rely on the federal health insurance exchange.
Just because some insurance markets would become a mess does not mean Republicans and Democrats would come back to the table to fix them.
Health insurance would become unaffordable for many people who do not get it through work or Medicare. Theindividual mandate wouldn’t apply to people who couldn’t afford coverage without a subsidy. And as healthy people drop out of the insurance market because of rising costs, the pool of participants could get sicker, driving premiums up further, driving even more people out of the market, and leading to what is known as a death spiral where only a handful of mostly very sick people buy insurance at a very high price.
That would be a bad outcome. But it would not necessarily be an unsustainable one. I know, because this situation was sustained in New York for over two decades before Obamacare came into being.
Two cornerstones of the Affordable Care Act are policies called community rating and guaranteed issue. Community rating means a health insurer can’t set the price of your insurance policy based on how much it’s likely to cost to cover you. Guaranteed issue means they must sell health insurance to anyone who wants it. These policies mean that healthy people will tend to pay more for insurance than they get back in claims, and sick people will tend to pay less than they get back.

The Ethics of Infection

No comments:

Post a Comment