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Friday, September 27, 2013

Health Care Reform Articles - September 27, 2013


Single Payer, Period

David Himmelstein and Steffie Woolhandler are professors at the City University School of Public Health at Hunter College and visiting professors at Harvard Medical School. They are co-founders ofPhysicians for a National Health Program.

The Department of Health and Human Services' breathless report touts the 53 choices and low premiums available through the new health insurance exchanges. But citizens of other developed nations would laugh at this definition of choice, and the rosy rate quotes hide nasty news for those who aren’t forever young.
Citizens of other developed nations would laugh at this definition of choice, and the rosy rate quotes hide nasty news for those who aren’t forever young.
As The Times reported, the lower than expected rates reflect many insurers’ decisions to pare down their provider networks for plans offered through the exchanges. You may have a choice of insurer, but little choice of doctor or hospital. So in Los Angeles, low cost means you’re not welcome at the top ranked hospitals: Cedars Sinai and U.C.L.A.
In the past the uninsured and Medicaid patients traveled in medical steerage – or not at all; private insurance guaranteed a place in first class care. Much of health law's new private coverage looks a lot like a Medicaid H.M.O. – coverage that restricts and segregates lower-income patients from the affluent. Top-class care is increasingly reserved for the well-to-do.
Canadians or the French or Germans have little or no choice of who pays their medical bills. But they can choose any hospital and any doctor. And they’re not socked with the enormous uncovered bills that will still afflict insured Americans. Elsewhere, insurance pretty much covers what you need.

Doing Nothing Wasn’t an Option

Robert Reich, the secretary of labor in the Clinton administration, is Chancellor's professor of public policy at the University of California, Berkeley. He is featured in the new film, "Inequality for All."
It's not perfect. I would have preferred a single-payer system, or at least one in which people had an option to buy into Medicare. And I'm sure there will be some glitches as the federal government rolls out new insurance markets in 36 states starting next week. Anything this large and ambitious will need fine-tuning. That was the case with Social Security after it was introduced in 1935, and Medicare in 1965.
The Affordable Care Act isn't perfect, but it's worth trying.
But the Affordable Care Act -- now the law of the land -- is a step in the right direction. Doing nothing wasn't an option: ours is the most expensive and complex health care system in the world that delivers poorer results and leaves a larger portion of the population without care than that of any other advanced nation. One benefit already apparent even before the law implemented: health care cost increases are beginning to slow in anticipation of it. That means savings for almost every American already insured.
We'll learn a lot more in coming months and years. And as with Social Security and Medicare, what needs fixing can be fixed. If it turns out we don't like it at all, we can repeal it -- the same way we occasionally repeal other laws, through an orderly process of legislating.


When up is down and down is up: the political paradoxes of Obamacare

Let me see if I’ve got this right:
The most implacable foes of Obamacare are alienating their allies and may inflict grave political damage on their own cause.
The most enthusiastic supporters of Obamacare are increasingly suspicious that some of its provisions may inflict serious economic harm on them.
The chief justice of the Supreme Court, whose vote “saved” Obamacare, may have fatally undermined one of its key provisions.
Some key Republican office holders, all of whom opposed Obamacare, may be in the process of salvaging it.
Most of the headlines these days around Obamacare — officially called the Affordable Care Act — focus on the political infighting that’s broken out on the right. With Texas Sen. Ted Cruz and Utah Sen. Mike Lee leading the charge, the most militant opponents of President Barack Obama's historic health care law are threatening to shut down the government, and perhaps trigger a disastrous default on the national debt, in a clearly futile effort to defund the law. This effort has led not only fellow GOP senators like John McCain and Tom Coburn to distance themselves, it has also drawn the scorn of the Wall Street Journal editorial page, usually an enthusiastic advocate of confrontation tactics. (Noting the political reality of a Democratic president and Senate, the Journal called the Cruz-Lee tactic a “charge into fixed bayonets.”)
This intraparty warfare, however, is only one part of the confusion Obamacare has triggered.

Analysis: Benefit firms create tremors for insurers in U.S. healthcare shakeup

NEW YORK (Reuters) - American companies are sending shockwaves through the healthcare industry by moving a rapidly growing number of employees onto privately run online exchanges for their medical coverage.
In a business already bracing for major change because of President Barack Obama's healthcare reforms, the decisions are threatening to shift more power in the market to the benefit consulting firms opening many of the exchanges.
Health insurance companies and pharmacy benefit managers who have traditionally had a more direct relationship with the employers could lose out to the nascent marketplaces.
"It's important to the insurance companies to sell through the private exchanges to maintain their biggest customers," said Mike Nugent, managing director of the healthcare practice at business consulting firm Navigant Consulting.
He said that if the pharmacy benefit managers and others "do not deliver the savings, they will not get paid and that will be the ripple effect."
The exchanges received their biggest boost yet when Aon Plc insurance broker said on Wednesday it signed up 18 companies to participate in its Aon Hewitt Corporate Health Exchange, including the country's largest drug store operator Walgreen Co, resulting in coverage for an estimated 600,000 people next year.
The announcement drove up the shares of Aon and other benefits consulting firms, such as Towers Watson and Marsh & McLennan, which owns Mercer, one of the largest consulting firms in the world.
All three have easily outpaced the broader market in the past year, with Towers Watson shares up 79 percent and Aon up 42 percent. Among the biggest stock losers were Catamaran Corp, which has had a pharmacy benefit deal with Walgreen.
Corporations are hoping the move to the private exchanges will keep healthcare spending in check and force employees to manage more of their own healthcare costs. Companies still directly pay a portion of the premium and deduct premium payments from employee wages for the difference between the employer contribution and the cost of a plan, but employees can choose a plan from a menu of low to high cost offerings.

Obamacare: It's Better Than You Think

Monday, 23 September 2013 10:31By Dean BakerTruthout | News Analysis
In just one week the main part of Obamacare will begin to kick in. This is the state level exchanges that will allow the uninsured to be covered. Beginning on October 1, people will be able to sign up to get insurance in their state regardless of their health.

Most people signing up on the exchanges will qualify for subsidies based on their income and family size. This means that the cost of insurance will be less than the advertised price.
This is good news. It means that tens of millions of people who are uninsured now will likely be insured in the next year or two as a result of the Affordable Care Act (ACA). However this is actually the less important aspect of the program. The more important part is that those of us who now have insurance will have real health care insurance for the first time.
Most of the insured get covered through their job. This creates an obvious problem. If they develop a chronic illness, they may be unable to keep their job. Once they are no longer employed, workers will be left trying to buy insurance in the individual market.
Insurers don't want to insure people who are sick. If a person with a chronic health condition applies for insurance in the individual market, they would be facing premiums of tens of thousands of dollars a year, making it unaffordable for all but the very wealthy.
This situation will end with the start of the exchanges. Workers who lose their job because of an illness will still be able to find affordable insurance. This will provide a huge element of security that is currently lacking. In effect, most workers will have true health insurance for the first time.
Workers of all ages will benefit from this transformation of the insurance market but it will be especially important for older workers in poor health. There are a large number of older workers who struggle to stay employed despite bad health, because this is the only way that they will be able to afford insurance until they are old enough to qualify for Medicare.
Many of these people will now find insurance to be affordable with the subsidies on the exchanges even if they do not work. Some critics of Obamacare have argued that it will undermine incentives to work. In the case of older workers in poor health they are right, and this will be good.
There is much real basis for criticism of the ACA. Private insurers are the sole providers of insurance. Not only are we not getting universal Medicare, we did not even get a public option, the right to purchase a Medicare-type plan that would compete with private insurers.
The drug companies and medical equipment suppliers both end up as winners under Obamacare. They will be able to secure even greater profits from their government provided patent monopolies since the ACA does little to rein in costs.
As a result, we will still be paying close to twice as much for drugs and medical devices as people in other wealthy countries.
This is a guaranteed recipe for bad health care since the enormous profits provided by these patent monopolies give drug companies an incentive to push their drugs even when they may be harmful.
And we will still be paying twice as much for our doctors as people in other wealthy countries. These failures on cost controls will add hundreds of billions of dollars to the cost of health care each year.
The fact that so many states refused to go along with the expansion of Medicaid will leave millions of working poor uncovered. Undocumented workers were explicitly prohibited from being covered through the exchanges. And the plan will effectively penalize many workers who get insurance through union sponsored plans, since they will not be eligible for subsidies through the exchanges.
These are serious complaints about the inadequacy of Obamacare which will have to be addressed in the years ahead. But none of these problems changes the fact that the ACA is an enormous step forward. Most of the country will now have real security in their access to health care. The agenda now has to be to extend this security to the rest of the country and to squeeze the parasites out of the health care system.
http://www.truth-out.org/news/item/19002-obamacare-its-better-than-you-think


More Sway for F.D.A. Is Object of New Bill




A bipartisan committee of lawmakers from the Senate and the House reached a compromise on Wednesday on legislation that would give the Food and Drug Administration greater control over compounding pharmacies. But analysts said it was still unclear whether the law would actually make drugs safer.
Lawmakers said the bill’s primary function was to help prevent another national health disaster like the meningitis outbreak last year that was traced to a large Massachusetts-based compounding pharmacy, a company that mixes specialty medicine. More than 60 people died and more than 700 were sickened after receiving injections of a contaminated steroid made by the pharmacy, the New England Compounding Company.
The F.D.A. has argued repeatedly that it has limited authority over compounders, which are now regulated by state boards of pharmacy, even though many ship drugs across state lines.
The bill’s authors argued that it would give the agency broader powers by placing some compounding pharmacies in a separate category that would require them to behave much like traditional drug manufacturers: to alert the authorities when something goes wrong with their products, to register with the F.D.A. and to allow agency officials into their facilities for inspection, much as traditional drug manufacturers do.
But the language of a statement issued late on Wednesday by the bill’s authors implied that companies would not be required to be part of the new category, leaving the option open to those compounding facilities “who wish” to join.
If being part of the new group is optional, that means there will be a reliance on the market to drive demand for products made under the stricter standards, said Allan Coukell, a drug policy expert at the Pew Charitable Trusts.
“It will be incumbent on the purchaser — the physician, clinic or hospital — to opt for drugs from F.D.A.-regulated facilities,” he said.

Easing Doctor Burnout With Mindfulness

According to the nurse’s note, the patient had received a clean bill of health from his regular doctor only a few days before, so I was surprised to see his request for a second opinion. He stared intently at my name badge as I walked into the room, then nodded his head at each syllable of my name as I introduced myself.
Shifting his gaze upward to my face, he said, “I’m here, Doc, to make sure I don’t have anything serious. I’m not sure my regular doctor was listening to everything I was trying to tell him.”
I smiled. To hide my embarrassment.
I had walked into the exam room to listen to this patient; but my mind was a few steps behind, as I struggled with thoughts about the colleague who’d just snapped at me over the phone because she was in no mood to get another new consult, my mounting piles of unfinished paperwork, and the young patient with widespread cancer whom I’d seen earlier in the day. Thoughts about my new patient jumbled in the mix, too, but they came into focus only after I had pushed away the fears that I might have neglected to order a key test on my last patient, that I’d forgotten to call another patient and that I was already running behind schedule.
That relentless inner conversation came to mind this past week when I read two studies on physician burnout and mindfulness in the current issue of The Annals of Family Medicine.
Research over the last few years has revealed that unrelenting job pressures cause two-thirds of fully trained doctors to experience the emotional, mental and physical exhaustion characteristic of burnout. Health care workers who are burned out are at higher risk for substance abuse, lying, cheating and even suicide. They tend to make more errors and lose their sense of empathy for others. And they are more prone to leave clinical practice.
Unfortunately, relatively little is known about treating burnout. But promising research points to mindfulness, the ability to be fully present and attentive in the moment, as a possible remedy. A few small studies indicate that mindfulness training courses can help doctors become more focused, more empathetic and less emotionally exhausted.

Time is short for GOP to stop Obamacare, avoid government shutdown

Republicans seek a strategy to fund the government but not the healthcare law before a possible shutdown. Sen. Ted Cruz's long speech leaves them less time.

By Lisa Mascaro
6:41 PM PDT, September 25, 2013
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WASHINGTON — The collapse of a GOP strategy to halt President Obama's healthcare law has Republican leaders scrambling to find other ways to dismantle it as part of legislation needed to fund the government in a few days or trigger a shutdown.
Time is not on their side: Sen. Ted Cruz (R-Texas) has monopolized the floor in his lonely filibuster-like campaign to kill the Affordable Care Act. Patience among Republicans for the renegade senator's go-it-alone strategy is waning as money for routine government operations is set to run out by Oct. 1.
Republicans huddled again Wednesday after a rare 100 to 0 vote in the Senate to end the first round of debate over a bill that would fund the government but not the healthcare law. Cruz, who had just completed one of the longest speeches in Senate history, urged Republicans to oppose an upcoming motion as part of his effort to stall the bill. He did not attend the strategy session.
"All I know is how it ends: We don't defund Obamacare," said Sen. John McCain (R-Ariz.) as he emerged from the private lunch. "Seen this movie before."
Republicans are in the minority in the Senate, and Democrats have the votes to protect the president's signature law.
With that endgame understood, Republican leaders want Cruz to wrap up his moment in the limelight so that they can quickly dispatch the legislation back to the House. That would give Speaker John A. Boehner (R-Ohio) ample time to attach amendments that would curtail, but not kill, Obamacare.
A do-over could have better results, Republicans argued, if the GOP-led House attached a provision that would be difficult for some Senate Democrats to oppose. Among those being considered: a repeal of the new tax on medical device manufacturers that some Democrats dislike, or a delay of the mandate that all Americans carry health insurance or pay a fine in 2014.
"My own view is it would be to the advantage of our colleagues in the House, who are in the majority, to shorten the process," said Senate Republican Minority Leader Mitch McConnell of Kentucky, who has distanced himself from Cruz's strategy. "If the House doesn't get what we send over there until Monday, they're in a pretty tough spot."
But that strategy could leave lawmakers in the same stalemate if Senate Democrats remain unified in protecting the Affordable Care Act, as they appear inclined to do.
Sen. Amy Klobuchar (D-Minn.), who has led efforts to halt the medical device tax, said linking the measures "is not the strategy we're pushing for this time. We see this as part of a bigger budget deal or as part of some more rational changes to the healthcare bill."

Ted Cruz's Senate talkathon is over, but he's still talking

The Texas Republican, who held the floor for 21 hours and 19 minutes, says he hopes his message of opposition to Obamacare will resonate with the public.

By Michael A. Memoli
5:21 PM PDT, September 25, 2013
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WASHINGTON — Even when he was done talking in the Senate, Sen. Ted Cruz wasn't really done.
After holding the floor for 21 hours and 19 minutes, the Texas Republican talked just a bit longer outside the chamber, talking to reporters about, well, talking.
He said he hoped the public would carry his message of opposition to President Obama's healthcare law and pressure Republicans to support his drive to prevent federal spending on it.
"At this point, the debate is in the hands of the American people," said Cruz, who even in the halls of the Capitol sounded as if he were still speaking in the chamber. "At this point, I think I have spoken long enough."
But he hadn't. Within the hour, he was on Rush Limbaugh's afternoon radio talk show.
And when Limbaugh asked whether he would stay for another segment, Cruz replied, "I'm here as long as you like."
The overnight talkfest was not technically a filibuster because Cruz used time allotted for the debate; he did not delay any Senate business. But it was still the fourth-longest streak in the so-called world's greatest deliberative body. Sen. Strom Thurmond of South Carolina set the record in 1957 at 24 hours and 18 minutes, when the longtime Republican was still a Democrat. Next was Alfonse M. D'Amato (R-N.Y.) at 23 hours and 30 minutes in 1986 and Wayne Morse (I-Ore.) at 22 hours and 26 minutes in 1953.
Cruz also bested Sen. Rand Paul's filibuster by more than eight hours. The Kentucky Republican spoke for 12 hours and 52 minutes in March to denounce U.S. drone policy, electrifying his libertarian base and raising his national profile as a potential GOP presidential contender. Cruz, also a White House aspirant, may likewise benefit.
The freshman senator's office had received nearly 3,000 phone calls through late Tuesday, mostly supportive. He also sparked significant response on Twitter by using the hashtag #makeDClisten.
Cruz began his speech Tuesday afternoon when he entered the Senate chamber with just a binder, wearing black tennis shoes rather than his usual "argument boots." He placed his wristwatch on his desk to track the time and announced he would talk "until I am no longer able to stand."
That moment never came. Cruz quit only when he was forced to yield the floor for a scheduled vote.
http://www.latimes.com/nation/la-na-cruz-speech-20130926,0,5904067,print.story


Canadians don’t understand Ted Cruz’s health-care battle

When you’re being forced to endure another rabid Sen. Ted Cruz (R-Tex.) soliloquy on Obamacare’s threat to human freedom, it’s easy to forget how absurd our health-care debate seems to the rest of the civilized world. That’s why it’s bracing to check in with red-blooded, high testosterone capitalists north of the border in Canada — business leaders who love Canada’s single-payer system (a regime far to the “left” of Obamacare) and see it as perfectly consistent with free market capitalism.
Take David Beatty, a 70-year-old Toronto native who ran food processing giant Weston Foods and a holding company called the Gardiner Group during a career that has included service on more than 30 corporate boards and a recent appointment to the Order of Canada, one of the nation’s highest honors. By temperament and demeanor, Beatty is the kind of tough-minded, suffer-no-fools wealth creator who conservatives typically cheer.
Yet over breakfast in Toronto not long ago, Beatty told me how baffled he and Canadian business colleagues are when they listen to the U.S. health-care debate. He cherishes Canada’s single-payer system for its quality and cost-effectiveness (Canada boasts much lower costs per person than the United States). And don’t get him started on the system’s administrative simplicity — you just show your card at the point of service, and that’s it. Though he’s a well-to-do man who can pay for whatever care he wants, Beatty told me he’s relied on the system just as ordinary Canadians do, including for a recent knee replacement operation. The one time he went outside the system was to pay extra for a physical therapist closer to his home than the one to which he’d been assigned.

President Obama & Former President Clinton on the Affordable Care Act - Free Press Online - Rockland, ME


On Tuesday, September 24, President Obama joined former President Clinton to talk about the October 1 implementation of the Affordable Care Act. Following is a White House transcript of their talk, edited here for length:

PRESIDENT CLINTON: . . . let's talk a little about the health care law, because we're about to begin on October 1st open enrollment for six months. And I'd like to give you a chance, first of all, to tell them why - when you took office, we were teetering on the brink of a depression. You had to avert it. You had to start the recovery again. Why in the midst of all this grief did you also take on this complex issue? Many people were saying, why doesn't he just focus on the economy and leave this alone? So tell us why you did it.

PRESIDENT OBAMA: Well, first of all, I think it's important to remember that health care is the economy. A massive part of our economy. And so the idea that somehow we can separate out the two is a fallacy.

Second of all, the effort for us to deal with a multifaceted health care crisis has been going on for decades. And the person who just introduced us, as well as you, early in your presidency, had as much to do with helping to shape the conversation as anybody.

The fact is that we have been, up until recently, the only advanced industrialized nation on Earth that permits large numbers of its people to languish without health insurance. Not only is there the cruelty of people who are unable to get health insurance having to use the emergency room as their doctor or their health service, but - we're also more efficient than anybody else and so when we talk about, for example, our deficit - you know this better than anybody - the reason that we have not only current deficits but also projected long-term deficits - the structural deficit that we have is primarily based on the fact that we have a hugely inefficient, wildly expensive health care system that does not produce better outcomes.

And if we spent the same amount of money on health care that Canada or France or Great Britain did, or Japan, or any other industrialized country, with the same outcomes or better outcomes, that essentially would remove our structural deficit, which would then free up dollars for us to invest in early-childhood education and infrastructure and medical research and all the other things that can make sure that we're competitive and growing rapidly over the long term.

So my view when I came into office was we've got an immediate crisis - we've got to get the economy growing. But what we also have to do is to start tackling some of these structural problems that had been building up for years. And one of the biggest structural problems was health care. It's what accounts for our deficit. It's what accounts for our debt. It causes pain and misery to millions of people all across the country. It is a huge burden on our businesses. 

A Health Care Fight That Punishes Federal Workers

Uwe E. Reinhardt is an economics professor at Princeton. He has some financial interests in the health care field.
One can think of the Affordable Care Act as a highly complex patch on the even more complex and fragmented health insurance system.
Thinking of it that way helps explain why even people who have no ideological dog in the hunt have such difficulty getting their mind around this complex legislation, especially from a worm’s-eye view. It does not help that Americans are bombarded daily with misleading information about the act.
Viewing the law from a distance, one discerns two main objectives:
1. To facilitate easier and affordable access to health insurance to Americans who do not now have health insurance (and that latter phrase warrants emphasis).
2. To help reorganize the delivery of health care in the United States to enhance its cost-effectiveness by lowering the cost of producing a given level or quality of care or by enhancing the quality of care for a given cost, or both.
To the best of my knowledge, nowhere in its many pages does the law, either in its spirit or its wording, suggest that employers who currently sponsor health insurance for their employees and who make contributions to the premiums for that coverage are expressly forbidden to do so come Jan. 1.
And yet, seemingly serious adults seem to believe that this is exactly what Section 1312(d)(3)(D)of the law dictates. Among them are the editors of The Wall Street JournalMichael Cannonof the Libertarian Cato Institute and Robert Moffitt, Edmund Haislmaier and Joseph Morris of the Heritage Foundation.
These longstanding critics of the Affordable Care Act assert that its Section 1312(d)(3)(D) expressly forbids the federal government from sponsoring health insurance for members of Congress and their staffs; they accuse the Office of Personnel Management of the Obama administration of breaking the law by exempting the targeted federal employers from the supposed prohibition.Writing on the opinion page of The Wall Street Journal, for example, former Secretary of Education William Bennett and Christopher Beach speak of “The Hypocrisy of Congress’s Gold-Plated Health Care.”

My State Needs Obamacare. Now.

FRANKFORT, Ky. — SUNDAY morning news programs identify Kentucky as the red state with two high-profile Republican senators who claim their rhetoric represents an electorate that gave President Obama only about a third of its presidential vote in 2012.
So why then is Kentucky — more quickly than almost any other state — moving to implement the Affordable Care Act?
Because there’s a huge disconnect between the rank partisanship of national politics and the outlook of governors whose job it is to help beleaguered families, strengthen work forces, attract companies and create a balanced budget.
It’s no coincidence that numerous governors — not just Democrats like me but also Republicans like Jan Brewer of Arizona, John Kasich of Ohio and Rick Snyder of Michigan — see the Affordable Care Act not as a referendum on President Obama but as a tool for historic change.
That is especially true in Kentucky, a state where residents’ collective health has long been horrendous. The state ranks among the worst, if not the worst, in almost every major health category, including smoking, cancer deaths, preventable hospitalizations, premature death, heart disease and diabetes.
We’re making progress, but incremental improvements are not enough. We need big solutions with the potential for transformational change.
The Affordable Care Act is one of those solutions.
For the first time, we will make affordable health insurance available to every single citizen in the state. Right now, 640,000 people in Kentucky are uninsured. That’s almost one in six Kentuckians.
Lack of health coverage puts their health and financial security at risk.
They roll the dice and pray they don’t get sick. They choose between food and medicine. They ignore checkups that would catch serious conditions early. They put off doctor’s appointments, hoping a condition turns out to be nothing. And they live knowing that bankruptcy is just one bad diagnosis away.
Furthermore, their children go long periods without checkups that focus on immunizations, preventive care and vision and hearing tests. If they have diabetes, asthma or infected gums, their conditions remain untreated and unchecked.
For Kentucky as a whole, the negative impact is similar but larger — jacked-up costs, decreased worker productivity, lower quality of life, depressed school attendance and a poor image.
The Affordable Care Act will address these weaknesses.

Years after signing it into law, Obama explains Obamacare to public

Obama and his aides call on uninsured Americans to buy coverage under the healthcare law. Online insurance marketplaces will open Tuesday.

By Christi Parsons and Kathleen Hennessey
7:11 PM PDT, September 26, 2013
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WASHINGTON — For years, President Obama's healthcare law has been praised, excoriated, legally challenged, upheld as constitutional and debated some more.
Now, with its online insurance marketplaces days from opening for business, the White House is focused on a task that many of the law's supporters complain is overdue: explaining it.
On Thursday, the president debuted a healthcare primer in a speech meant to convince young, uninsured Americans that they will find insurance coverage to suit their budgets.
The speech was laced with political jabs at congressional Republicans who want to gut or delay the program, but mostly it was a direct plea to Americans to give the new virtual marketplace a try when the six-month enrollment period opens Tuesday.
"This is real simple," Obama told the crowd at a community college in Largo, Md. "It's a website where you can compare and purchase affordable health insurance plans side by side, the same way you shop for a plane ticket on Kayak, same way you shop for a TV on Amazon."
"You've got new choices," he said. "You've got new competition because insurers want your business, and that means you will have cheaper prices."
The administration has faced considerable criticism from fellow Democrats for not selling the Affordable Care Act, as the law is called, in the 3 1/2 years since Obama signed it into law. White House officials have countered that until the benefits became clear to consumers through the online system, such efforts would have been futile.
A few glitches in that system are popping up. Small businesses in almost three dozen states will have to use paper forms to sign up until November because that part of the online system isn't ready to go.
Republican critics noted the irony of what was supposed to be a cutting-edge digital operation resorting to snail mail and, as one GOP staffer scoffed in an email, "facsimile machines!"
But advisors to the president are hoping that the shopping experience of comparing plans, with subsidies and lower premiums available for many users, will win people over.
Obama and his White House have their work cut out for them. Polls show that uninsured Americans, the primary target for the law's new marketplaces, are wary. A Pew Research survey conducted last week found that the uninsured were as likely to disapprove of the law as they were to approve of it, with about one-third of those without insurance saying they thought the law would have a negative effect on them. Only half of the uninsured surveyed knew that the law offered subsidies.
http://www.latimes.com/nation/la-na-obama-healthcare-20130927,0,199087,print.story


Looking to block Obamacare, Republicans in search of a strategy

By DAN BALZ The Washington Post
WASHINGTON –€” Congressional Republicans have become a party of grievances in search of a strategy.
WASHINGTON –€” Congressional Republicans have become a party of grievances in search of a strategy.
Their first grievance is with President Obama's Affordable Care Act, the single most unifying issue for a party that has been showing signs of divisions all year. Rank-and-file Republicans, especially those who are aligned with the tea party, hate the new health-care law. Their anger has welled up to force GOP leaders to respond with ever-riskier strategies to delay, defund or in some other way disrupt the imminent implementation of the act.
Their second is with Obama himself, and his steadfast resistance to negotiate with them on any aspect of the health-care law. The president may unilaterally decide to delay this or that aspect of the law, as he did again on Thursday with a small portion of the implementation plan. But he doesn't want Republicans to touch it. Each time he makes a change, his unwillingness to engage only infuriates Republicans more.
The antagonism between Obama and the Republicans was on full display on Thursday. House GOP leaders went before the cameras to offer their latest ideas on funding the government, defunding or delaying Obamacare and dealing with the day next month when the government runs out of borrowing authority.
Suddenly it seemed like the summer of 2011 on steroids. House Speaker John Boehner, R-Ohio, and others seemed to up the ante again in their quest to stop Obamacare and to force the president to yield. Not only did they continue on a path that could lead to a partial shutdown of the government next week, they also signaled that they are ready for another confrontation in mid-October over the debt ceiling, with a list of demands for the president.
An hour or so later, Obama answered at an appearance at Prince George's Community College in Largo, Md.. Rather than trying to tamp down on partisan rhetoric or lower temperatures, Obama did the opposite, repeatedly waiving red flags at the Republicans.

Obama mocks GOP for 'crazy' Obamacare predictions

Yesterday at 1:53 PM 

'What they're worried about is it's going to succeed.'

By Darlene Superville / The Associated Press
LARGO, Md. — With just five days to go before Americans can begin signing up for health care under his signature law, President Barack Obama on Thursday ridiculed Republican opponents for "crazy" doomsday predictions of the impact and forecast that even those who didn't vote for him are going to enroll.
With polls showing many Americans still skeptical of the law known as "Obamacare," the president went back to the basics of explaining how nearly 50 million uninsured Americans will be able to buy coverage in new government-run exchanges while mocking Republicans for trying to block its implementation. "The closer we get, the more desperate they get," Obama argued.
"The Republican party has just spun itself up around this issue," Obama said. "And the fact is the Republicans' biggest fear at this point is not that Affordable Care Act will fail. What they're worried about is it's going to succeed."
http://www.pressherald.com/news/Obama-mocks-GOP-for-crazy-Obamacare-predictions-.html


Wednesday, September 25, 2013

Health Care Reform Articles - September 25, 2013


National Health Costs vs. Your Health Costs

Health care spending growth has plummeted to the lowest levels ever recorded. But many Americans insist that they are paying more and more.
It is jarring, but both of those things are true, as a report from the Health Care Cost Institute helps to show. Out-of-pocket spending on things like deductibles and co-payments has shot up faster than overall spending of late. That means that even while hospitals and insurers have wrung billions of dollars out of the system, many individuals are feeling a heavier and heavier burden.
In its 2012 Health Care Cost and Utilization Report, the nonprofit research group found that health spending grew slowly last year, at a 4 percent annual rate. (The institute looks at the 156 million Americans under the age of 65 with employer-sponsored insurance.)
“Although average health care expenditures grew at nearly the same rate in 2012 as 2011, the causes of the 4 percent increase in spending each year were quite different,” David Newman, the institute’s executive director, said in a statement. “In prior years, rising health care prices drove up spending. In 2012, we saw utilization start to change health care trends for prescription drugs and professional procedures. Preliminary evidence suggests this may be indicative of a larger shift in care as people search for lower-cost care alternatives.”
The institute found that out-of-pocket spending growth outpaced overall spending growth, jumping about 4.8 percent to $768 a person. Older adults, 55 to 64, spent about $1,265 out of pocket, with those under 18 incurring just $427 in uncovered costs. Women also had greater out-of-pocket expenses than men, by more than $200 a year.
Those rising out-of-pocket costs are a major reason that the slowdown in cost growth feels so alien to so many Americans. Health care providers and insurers may see it in their data and their bottom lines. But millions of working Americans don’t. Moreover, economists believe that rising out-of-pocket spending is a majorreason that the health care cost curve seems to be bending, accounting for about 20 percent of the slowdown, according to one study published in the venerable journal Health Affairs.

Obamacare’s real danger for the GOP is that it will succeed

By Published: September 23

To understand the crisis in Washington, tune out the histrionics and look at the big picture: Republicans are threatening to shut down the federal government — and perhaps even refuse to let the Treasury pay its creditors — in a desperate, last-ditch attempt to keep millions of Americans from getting health insurance.
Seriously. That’s what all the yelling and screaming is about. As my grandmother used to say, it’s hard to know whether to laugh or cry.
The GOP has tried its best to make Obamacare a synonym for bogeyman and convince people that it’s coming in the night to snatch the children. In fact, and I know this comes as a shock to some, Obamacare is not a mythical creature. It is a law, incorporating what were originally Republican ideas, that will make it possible for up to 30 million people now lacking health insurance to obtain it.
Officially, the law in question is the Patient Protection and Affordable Care Act. Republicans intended the term “Obamacare” to be mocking, which is perhaps why President Obama started using it with pride.
It is, indeed, an achievement of which the nation can be proud. About 48 million individuals in this country lacked health insurance in 2012, according to the Census Bureau, representing about 15 percent of the population. Other industrialized nations provide universal health care — and wonder if this is what we mean when we talk about American exceptionalism.
About 25 percent of people in households with annual incomes below $25,000 are uninsured, compared with just 8 percent in households earning more than $75,000. Do the working poor not deserve to have their chronic medical conditions treated as punishment for not making enough money?
Other rich countries provide truly universal care through single-payer systems of various kinds. Obama chose instead to model the Affordable Care Act after a program implemented on the state level by the Republican governor who became Obama’s opponent in the 2012 presidential election. Yes, before Obamacare there was Romneycare, a private-sector, free-market solution designed to be in accord with the GOP’s most hallowed principles.
But in the years between Mitt Romney’s tenure in Massachusetts and his presidential run, the Republican Party lost its way, or perhaps its mind.

Posted Sept. 23, 2013, at 11:27 a.m.
Should states expand Medicaid under the Affordable Care Act? Maine has wrestled with this question, as have many states. The answer to this question reflects both policy and politics — which can vary considerably from state to state.
As a primary care doctor and health policy researcher, I recently published a paper to shed light on the policy question at the heart of the matter: Will expanding Medicaid help more than it hurts, or hurt more than it helps? Last week, Gov. Paul LePage interpreted the research study in his public remarks, and as the lead author of that study I would like to clarify several statements that have been circulating ever since.
The study, published in the Annals of Family Medicine by coauthor Dr. Matthew Davis and me, describes the characteristics of Americans potentially eligible for the Medicaid expansion under the Affordable Care Act.
Using a national source of data used by many other researchers who look at national trends, such as high blood pressure and obesity, we illustrated that these potential new Medicaid enrollees on average are just as healthy, if not healthier, than the current Medicaid population. In contrast, they will have higher rates of current smoking and heavy drinking than people currently on Medicaid. These new enrollees will also likely be younger, with more males, and more white than black individuals.
We concluded that providing affordable health care for these uninsured, poor and low-income Americans is a key opportunity to keep people healthy and prevent future health problems related to smoking and heavy drinking. Helping people with unhealthy habits today can address the high costs of health care in the U.S. by preventing life-threatening, expensive diseases in the future.
A natural question about our research is: How do these findings apply to Maine? After all, Maine has a higher-than-average proportion of residents already enrolled in Medicaid (31 percent, compared with the national average of 21 percent). Higher enrollment rates can make policymakers cautious about program expansion.
LePage alluded to such concerns in his statements, saying that a Medicaid expansion would “provide services to a younger population,” while depleting resources for “the elderly and disabled.” The age and disability-related concerns that LePage raised are not part of our study, however. In fact, we did not consider the elderly in our study because more than 99 percent of seniors (including Mainers) already have coverage through Medicare.
It is essential for me to emphasize that our study does not and cannot show how states should implement their individual Medicaid programs, or decide who will receive coverage. States work directly with the federal government on such matters. As a family physician and policy researcher, my goal in publishing this study was to contribute helpful information to inform the current discussion around Medicaid expansion. This is what I tell patients about what we found:


Married Cancer Patients Live Longer

Married cancer patients live longer than single people who have the disease, suggesting that logistical and emotional support from a loved one may be far more critical to cancer care than previously recognized.
Numerous studies have suggested that married people have better overall health than single people, but those data likely are skewed by the fact that healthy people are more likely to have opportunities to marry. However, the latest study did not look at overall health, and instead focused on what happens to married and single people who become ill with cancer. The findings offer a glimpse into the crushing logistical burden that cancer treatments impose on patients, particularly those who are single.
“When you have a spouse who is present when the patient is diagnosed, they are an invested party and they are going to more than likely make sure the patient goes to the doctor, that they get the necessary treatments,’’ said Dr. Ayal A. Aizer, chief resident of the Harvard Radiation Oncology Program and the study’s first author. “We don’t think there’s something intrinsic about people who are married, but we do think it’s the support marriage is providing that makes a difference.”
Researchers from several institutions, including Harvard Medical School and the Dana Farber Cancer Center, analyzed nearly 735,000 people who received a cancer diagnosis between 2004 and 2008. The study, which used data from the National Cancer Institutes Surveillance, Epidemiology and End Results (SEER) Program, focused on the 10 leading cancer killers: lung, colon, breast, pancreatic, prostate, liver, non-Hodgkin lymphoma, head and neck, ovarian and esophageal cancers.
The study, published in The Journal of Clinical Oncology, found that single patients were 53 percent less likely to receive appropriate therapy than married patients. The finding suggests that maintaining grueling chemotherapy and radiation schedules and taking medication as prescribed is easier for people who have help from a spouse compared with single people who must manage the logistics of cancer treatment on their own.


Officials Detail Premium Costs of Health Plan

WASHINGTON — The Obama administration on Tuesday provided the first detailed look at premiums to be charged to consumers for health insurance in 36 states where the federal government will run new insurance markets starting next week, highlighting costs it said were generally lower than previous estimates.
Administration officials released the information, central to their campaign to persuade millions of uninsured Americans to sign up for coverage, even as Senator Ted Cruz, Republican of Texas, waged a fierce fight on the Senate floor, risking a government shutdown if necessary to eliminate financing for the expansion of coverage under President Obama’s health care law.
The White House sought to focus attention on what it portrayed as the financial advantages of the health insurance program, which is set to start accepting customers on Oct. 1.
“I can tell you right now that in many states across the country, if you’re, say, a 27-year-old young woman, don’t have health insurance, you get on that exchange, you’re going to be able to purchase high-quality health insurance for less than the cost of your cellphone bill,” Mr. Obama said Tuesday, speaking at a health care forum in New York City with former President Bill Clinton.
For a benchmark plan — the second-lowest-cost “silver plan,” covering 70 percent of projected medical costs for a typical consumer — the average premium nationally will be $328 a month for individuals, the administration said in a new report.
For a family of four with an annual income of $50,000, the administration said, monthly premiums for the second-cheapest plan will vary widely, averaging $600 in Arizona, $800 in Georgia, $961 in Indiana, $1,069 in Mississippi, $859 in New Hampshire, $943 in New Jersey and $656 in Utah.
However, the data provided only a partial picture of the reality that consumers will face. The government did not identify the insurance companies offering policies in the federal marketplaces, also known as exchanges. Nor did it provide any information about the many policies that will cost more than the amounts cited in its report. Such information will not be available until the exchanges open, federal health officials said. Republicans and other critics of the health program were likely to take issue with the financial picture painted by the administration as the new premium information became more widely known.

Online Obamacare marketplaces offer ample options, report says

Most Americans will have a wide variety of choices for health insurance and young people may find plans costing $100 a month or less, the Department of Health and Human Services says.

By Noam N. Levey
6:44 PM PDT, September 24, 2013
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WASHINGTON — Most Americans who shop for health insurance on new online marketplaces set up under President Obama's health law will have a wide variety of choices, a new report from the Department of Health and Human Services indicates.
And many young consumers will be able to select health plans that cost $100 a month or less, according to the report, which is based on a preliminary analysis of premiums that insurers will charge when the insurance becomes available Jan. 1 in 36 states.
Premiums will be even less expensive — and free in some places — for low-income consumers who qualify for government subsidies through the Affordable Care Act, commonly known as Obamacare.
Obama administration officials did not release exact figures for each health plan being sold, explaining that rates will not be final until Tuesday, when consumers are scheduled to be able to start shopping on the marketplaces.
The report also includes specific data only from the 36 states that have elected to have the federal government run their marketplaces. Premium information from the 14 states operating their own insurance marketplaces — including California, Maryland and Connecticut — in most cases is available through state websites.
Despite that missing data, the new report provides an important overview of the kind of options that millions of consumers will have. The report also demonstrates that many consumers will probably find an affordable option, though some may face higher premiums, as critics are quick to point out.
"We are seeing, across the board, fairly competitive prices," said Caroline Pearson, vice president of Avalere Health, a consulting firm that has been closely following the rollout of the marketplaces. "The health plans are convinced that people will buy based on price, and they are working very hard to put low-cost products in the markets."

Senator Persists Battling Health Law, Irking Even Many in His Own Party

WASHINGTON — Senator Ted Cruz, the Republican from Texas who took to the Senate floor Tuesday afternoon and declared he would speak “until I cannot stand,” was still standing more than 14 hours later as he pressed ahead with his impassioned and often lonely verbal assault on President Obama’s health care law.
It is a fight he will almost certainly lose later on Wednesday when both Republicans and Democrats are expected to vote overwhelmingly to move ahead so the Senate can begin considering a bill, approved by the House last week, that would fund most of the government but not the Affordable Care Act.
The scene inside the Senate chamber in the late night and early morning hours was sometimes an unusual one for the staid body, especially when Mr. Cruz paused briefly in his attack to read his two young daughters a bedtime story — “Green Eggs and Ham” by Dr. Seuss.
At other times, he compared his fight to efforts by leaders who stood against the Nazis, ended the cold war or started the American Revolution.
“Everyone in America knows Obamacare is destroying the economy,” said Mr. Cruz, who began speaking at 2:41 p.m. “Where is the urgency?”
His speech was already rivaling some of the longest Senate filibusters on record, including those by Robert M. La Follette, who spoke for 18 hours and 23 minutes in 1908 and Alfonse D’Amato, who went on for 23 hours and 30 minutes in 1986. The record was set by Strom Thurmond at 24 hours and 18 minutes in 1957.
Mr. Cruz called on his colleagues to stonewall the House measure they technically supported, arguing that Senate Democrats would be successful in stripping the health care provision from the funding bill once the way was cleared to a Senate vote on the issue. His basic demand was an agreement that a final vote require 60 supporters, a demand Democrats rejected.
Other Republicans said they saw no reason to oppose debating a measure they actually backed.
“We’d be hard-pressed to explain why we were opposed to a bill we’re in favor of,” said Senator Mitch McConnell of Kentucky, the Republican leader.

Sen. Ted Cruz digs in as shutdown looms

Sen. Ted Cruz is growing increasingly isolated, even from fellow Republicans, as he digs in to keep Senate Democrats from restoring Obamacare funding that the House spending bill cut.

By Michael A. Memoli
10:54 PM PDT, September 24, 2013
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WASHINGTON — Three hours into his Senate speech-a-thon, Sen. Ted Cruz recalled that Sen. Rand Paul's filibuster criticizing U.S. drone policy was seen at first as "curious if not quixotic," but ultimately "transformed the debate."
Cruz, a Texas Republican, took control of the Senate floor Tuesday to herald his campaign to eliminate the money needed to implement President Obama's healthcare law. He hoped for a galvanizing moment similar to the one sparked by his Kentucky colleague in March.
Congress "is held in such disrepute" because both parties "have refused to listen to the people," Cruz said, arguing that Americans oppose the healthcare law. "We need to make D.C. listen."
He spoke to a near-empty Senate chamber, save for several dozen staff members, some observers in the galleries and a Democratic senator who was presiding.
Cruz has vowed to use any means necessary to keep the Democratic-controlled Senate from restoring the money for Obamacare to the spending bill that passed the Republican-led House. His strategy could lead to a government shutdown on Oct. 1, when the new fiscal year begins.
But Cruz is finding himself increasingly isolated. A quirk in the way the Senate will vote on the measure has allowed his opponents to claim, as even Minority Leader Mitch McConnell (R-Ky.) did, that Cruz's approach would "shut down the government and keep Obamacare funded. And none of us want that."
The episode appears to be another example of the limits of the conservative insurgence in Washington, where Democrats control the Senate and the White House. It also has magnified Republican unease with Cruz's style and tactics.
Cruz has been in the Senate less than a year, but already is seen as a potential GOP presidential contender. He has defied the unspoken Senate rule that new lawmakers maintain a low profile and defer to senior colleagues.
Just weeks into his term, Cruz drew a rare public rebuke from colleagues during an open committee hearing after he suggested — admitting that he had no evidence — that Defense secretary nominee Chuck Hagel may have received income from hostile governments.
During a Senate Judiciary Committee hearing on gun safety legislation, Sen. Dianne Feinstein (D-Calif.) sharply admonished Cruz for what she viewed as his lecturing tone in a question about the 2nd Amendment. "Senator, I've been on this committee for 20 years," she said.
The "Defund Obamacare" campaign is not Cruz's passion alone — fellow Republican Sens. Mike Lee of Utah and Marco Rubio of Florida have championed the strategy as well. It has wide support among House Republicans, who forced their leaders to adopt it.
But Lee, after more than two years in the Senate, lacks the national profile that Cruz has generated. Rubio, another possible presidential contender, has not invested as much political capital as Cruz on the issue.
http://www.latimes.com/nation/la-na-government-shutdown-20130925,0,3609302,print.story


Free Rx drug card promises Mainers healthy discounts

By Jackie Farwell, BDN Staff
A free pharmacy discount card officially launched in Maine on Tuesday promises consumers steep discounts on prescription drugs.
The Maine Rx Card aims to help both uninsured and insured residents nab savings averaging 30 percent on prescription medications at local pharmacies. The card, free and open to all regardless of age or income, offers perks, but one expert in the field advises consumers to approach such cards with a healthy dose of skepticism.
The Maine Rx Card has been available in Maine for two years, but the program is just now stepping up efforts to get the word out by partnering with the Maine Medical Association, said Alix Cousins of Maine Rx Card.
The program’s website boasts savings of up to 75 percent at more than 56,000 pharmacies nationwide, including CVS, Hannaford, Target, Walgreens and many others.
What’s the catch?
“There is no catch,” Cousins said. “It’s actually funded through the participation of pharmacies and pharmaceutical companies. That’s why it’s available free to the public. It’s not funded by taxpayer dollars, there’s no applications or restrictions, anyone can use it.”
Like the many other drug discount cards on the market, the Maine Rx Card is backed by a company known as a “pharmacy benefits manager” that negotiates discounts with participating pharmacies. The discounts can vary from medication to medication.

Sen. Collins’ view on Obamacare funding, shutdown is probably the same as yours

Posted Sept. 23, 2013, at 1:41 p.m.
In a Congress defined by the actions of members at the extremes, Sen. Susan Collins has staked out a position that falls firmly in the mainstream of American public opinion.
Maine’s Republican senator said Friday it’s a mistake to risk a federal government shutdown over attempts by Republicans in Congress to deprive President Barack Obama’s signature health care law of funding.
“We have an obligation to govern in Washington, and it would create chaos if government were to shut down,” Collins told reporters after landing at Bangor International Airport following a week in Washington, D.C.
Collins’ statement puts her at odds with members of her own party in the U.S. House, which voted 230-189 on Friday to pass a resolution providing funds for federal agencies to continue operations after the Sept. 30 end of the fiscal year but without funds needed to implement Obamacare.
But the senator’s position appears to be one shared by most Americans. And Collins is no supporter of Obamacare, a law that continues to be unpopular among the public.
Washington Post-ABC News poll released last week found support for the health care law among 42 percent of respondents, while 52 percent opposed it. That’s consistent with a long-term tracking poll by the Kaiser Family Foundation that finds the law has rarely attracted more favorable than unfavorable views. In August, 42 percent of respondents held unfavorable views of the law, while 37 percent favored it.
While the law isn’t popular, Americans firmly oppose attempts to cut off its funding when the consequence could be a government shutdown and a national debt default (next month’s Washington showdown). A CNBC poll released Monday found 59 percent of respondents opposed defunding Obamacare if it meant shutting down the federal government. Some 19 percent supported that approach.
Collins is right that Congress’ responsibility is to govern, and governing — regardless of one’s opinion on the Affordable Care Act — does not mean putting the government’s core operations at risk for the singular purpose of undermining a law congressional Republicans oppose.
Collins is also taking a realistic view of the matter, recognizing that the government funding approach supported by House Republicans is a nonstarter when the Senate is controlled by Democrats and the White House is occupied by the man whose legacy will be defined by the health care law.
“The fact is that strategy is not going to be successful,” Collins told McClatchy last week. “The president’s never going to say, ‘OK, I’ll sign a repeal measure.’”

Waiting for Obamacare

Posted Sept. 24, 2013, at 10:49 a.m.
News consumers by now have absorbed the message that Republicans are going to defund Obamacare, shut down the government, ruin the economy and starve the poor.
This is what Democrats would have you believe and, given the GOP’s recent obstructionist history, it would not be a stretch. However, there is an alternative scenario that bears fair consideration.
Not defund, as the House voted to do Friday, but delay.
Democrats and President Barack Obama see delay as just another maneuver to upend Obamacare. “Extortion” is the word Obama recently used. But let’s step back a moment and examine some of the reasoning. Sometimes even partisans are right.
Topping the list is the fact that the Affordable Care Act, or ACA, is becoming increasingly unpopular. Only 39 percent of Americans currently favor the health care program, compared with 51 percent in January, according to a recent CNN-ORC International poll.
Some of the reasons:
— Many companies are cutting worker hours to below the threshold — 30 hours — requiring them to comply with Obamacare. (SeaWorld is cutting hours for thousands of workers.)
— Others are cutting workers completely to avoid compliance or to reduce costs associated with the expanded coverage. (The Cleveland Clinic cited Obamacare as one reason for offering early retirement to 3,000 workers and hinting at future layoffs.)
— Many young people, unemployed or earning little, will have trouble paying premiums once open enrollment for health insurance exchanges begins Oct. 1. Even discounts won’t be enough for some, who then will face fines or have to turn to parents who face their own insurance challenges. List-price premiums for a 40-year-old buying a mid-range plan will average close to $330 per month, according to a recent Avalere Health study. For someone who is 60, premiums will run about $615 a month. Forget retirement.
One of the most popular aspects of Obamacare has been that children can remain on their parents’ policy until they’re 26, but there’s nothing magical about 27 if you don’t have a job, are still in school or are otherwise dependent. Expect many under-30s to decline to buy insurance, whereupon America’s youth will be under the thumb of the IRS. Remember, the Supreme Court ruled that the individual mandate to purchase insurance is a tax.
The other most-popular item was the requirement that pre-existing conditions not preclude insurance coverage. Under a proposed alternative plan unveiled recently by the Republican Study Committee — the American Health Care Reform Act (H.R. 3121) — this provision would be protected and funded through state-based, high-risk pools and other reform measures.
The biggest concern across all demographics is the likely effect on the larger economy. What happens when so many people lose hours and work and, therefore, income?

Some Say Obamacare’s ‘Affordable’ Coverage Isn’t Affordable For Them - Kaiser Health News

Michelle La Voie wants health insurance, but as a single mom making $38,000 a year and supporting two teenagers, she's not sure she can afford it -- even with a subsidy through the federal health law known as Obamacare.
When enrollment in new online insurance markets begins next month, La Voie will likely qualify for a subsidy to buy private insurance, but would still have to pay $191 a month, or about 6 percent of her income toward the premium. She could also face as much as $2,000 in potential out-of-pocket costs for hospital care and prescription drugs, if she needs those things.
“What’s the point of having [a policy] if I can’t afford to use it?” asks the 47-year-old librarian in upstate Franklinville, New York, referring to the co-pays and deductibles that she might incur if she sought treatment.
How consumers judge the affordability of the new health plans remains one of the biggest unknowns on the eve of the rollout of the health law’s insurance marketplaces. Those marketplaces, aimed at people without group coverage, are predicted to sign up 7 million enrollees by the end of next March. Will shoppers regard the plans as a good value?  Will they be able to afford the monthly premiums and other out-of-pocket costs built into most plans?
http://www.kaiserhealthnews.org/Stories/2013/September/25/obamacare-affordability-insurance-costs.aspx
House GOP may attach Obamacare delay to CR
By: Jake Sherman and John Bresnahan
September 24, 2013 06:18 PM EDT
The House Republican leadership is seriously considering attaching a one-year delay of Obamacare’s individual mandate to the Senate bill to avert a government shutdown, according to senior GOP aides.
If House Republicans decide to go this route, it would all but provoke a government shutdown, since Senate Democrats might not even schedule a vote on a bill that includes that provision, Senate leadership staffers say. Even if the Senate schedules a vote, there might not be time to move the legislation through the slow-moving chamber.
The House Republican leadership is planning its next move as it becomes abundantly clear that Texas Sen. Ted Cruz’s gambit to defund Obamacare will fall short. The federal government is set to shut down Tuesday unless a new funding bill is enacted, and the Senate might not even send a bill to the House until Sunday — leaving a hot potato on Speaker John Boehner’s lap shortly before a government shutdown. The Senate bill will fund the government through Nov. 15.
(WATCH: Kentucky residents react to Obamacare roll-out)
Boehner and his leadership team have been preparing options to present to House Republicans when they return on Wednesday from a brief recess. The process, leadership aides say, will be driven by members of the House Republican Conference. Their first closed party meeting is Thursday.
Several different tactics are under discussion within the top levels of House GOP leadership, and the path Republicans choose depends on several factors — chiefly the mood of rank-and-file Republicans when they return to Washington, and when the House gets the continuing resolution back from the Senate.
For example, if there isn’t time to send a funding bill back to the Senate without shutting down the government, House Republicans might simply pass the Senate’s version of the legislation and reserve their attacks on Obamacare for future pieces of legislation like a debt ceiling increase. House Republicans begin their quest to lift the debt limit this week, with a similar delay of the health care law attached. This comes after the House passed a CR completely defunding Obamacare.
(PHOTOS: 25 unforgettable Obamacare quotes)
“We’ll deal with whatever the Senate passes when they pass it,” said Michael Steel, a Boehner spokesman. “There’s no point in speculating before that.”
House Republicans see tremendous upside in attempting to delay the individual mandate. First, they think it is easy to communicate the policy to voters. President Barack Obama has already delayed the employer mandate — the provision in the health care bill that requires businesses with more than 50 employees to provide health care for their workers. House Republicans ask: Why not institute that same delay for individuals?
Delaying the individual mandate also poses a difficult political problem for some House Democrats, especially those from red states. In July, when similar legislation came up in the House, 22 Democrats voted with 229 Republicans to pass the bill. One Republican voted against that bill: Rep. Morgan Griffith of Virginia.
http://dyn.politico.com/printstory.cfm?uuid=E0FA1B57-AA58-4406-9B86-D8C48D6D30E2