"The individual insurance market in Colorado and around the country was already troubled, and this year's debate over repealing the Affordable Care Act (ACA) has left it even more shaken. Now that ACA repeal has been delayed indefinitely in the Senate, the Colorado Health Institute is looking at practical, short-term adjustments Colorado policymakers can use to restore stability to the insurance market. Read about them in our newest publication:
Five Band-Aids for the ACA." -
Colorado Health Institute, August 3, 2017
From the
Protect Our Care Colorado (a coalition managed by the Colorado Consumer Health Initiative):
Health Care Issues Going Forward
We know we’re all trying to catch our breath a little following last week's victory in the repeal effort’s dramatic failure, and we want to again thank you for everything you have done over the past many months. ACA repeal failed because you called, tweeted, and showed up time and again to tell our elected officials you overwhelmingly reject the damaging core features of every single version of the repeal bill that would have:
- Taken health coverage from millions
- Ended Medicaid expansion and gutted Medicaid for seniors, people with disabilities, and children
- Raised premiums and deductibles for millions of people
- Gutted protections for people with pre-existing conditions.
But, it's important to remain vigiland and we also want to bring you up to speed on what may be coming next. Bear with us, there’s a bit to cover, but the most important thing is to stay engaged and be ready to take action.
- Sabotage: The hot topic this week has been cost-sharing reductions (CSRs), additional assistance available through the ACA that lowers copays/deductibles for low-moderate income people. The President has threatened to end the payments to insurance companies that covers the cost of this additional assistance. If he were to follow through on that, it would lead to spikes in insurance premiums and we would likely see more insurance companies withdraw from the individual insurance market. Early this week it sounded like the President was planning to pull the plug on these payments to insurers, but there has been a lot of pushback against this, including from many Republicans in Congress. There is also a court case in progress that could affect the CSRs. All of this uncertainty is happening while insurance companies are trying to set their rates for next year. We’ve seen CSR funding mentioned by Colorado insurers in their proposed rates (which we are currently analyzing) as a factor in setting higher rates or that they could withdraw from the market if funding of CSRs stops.
- Repeal bill isn't technically dead...yet: Because of the way the “skinny” repeal failed last week, the reconciliation bill/the American Health Care Act (from the House) is still technically alive and could come back if a new form of repeal gains momentum and were amended onto the bill. The only plan out there at the moment is one from Senators Cassidy and Graham. In some ways, the proposal, that doesn’t have any official language yet, is more extreme than previous repeal iterations. From what we know about it, this proposal would keep many of the proposed cuts to Medicaid and substantially reduce/block grant funds to states instead of providing funding for Medicaid expansion and tax credits that lower premiums. It would cut hundreds of billions of dollars from health care programs, and would again lead to millions losing coverage. At the moment, this proposal doesn’t seem to be gaining the support it needs to progress but it’s clearly being discussed by the White House and some Republicans in Congress. For more on this proposal read this.
- Budget & Tax Reform Threats: The other potential threat to health care is what comes out of the budget process in Congress or any effort on tax reform. The budget process is in its early phases, but a draft House budget already includes $1.5 trillion in cuts to Medicaid. And, it’s possible Republicans in Congress will use cuts to Medicaid/ACA programs to pay for tax cuts if they move forward with tax reform. Whatever happens in the budget process or tax reform effort, we will have to be vigilant against cuts to health care.
- Bipartisan reform?: There is a positive development - there is a lot more talk about pursuing a bipartisan bill to stabilize the insurance markets. There are groups forming bipartisan talks in both the House and the Senate. It remains to be seen what comes of these efforts or what a bill might look like, but this is a positive sign that your calls for a bipartisan approach to health care have moved the needle. It’s also a sign that more Republicans are ready to work with Democrats to fix certain issues in the ACA. The more we can encourage this bipartisan effort in the early stages the better.
What you can do:
Call your Senators:
Tell Senator Gardner you're disappointed with his vote, and that he should support a bipartisan reform effort - Denver: 303-391-5777 DC: (202)-224-5941
Call your Representatives
Ask them to support bipartisan efforts to strengthen the individual market
Representative Perlmutter - Lakewood: (303)274-7944 DC: (202) 225-2645
Drive for our Lives event on August 8th at 10am. We won an important battle for health care last week, but the fight continues. Let's get ahead of the next fight and keep up the pressure on our Members of Congress.
Use social media to thank Senator Bennet and to express your disappointment with Senator Gardner for their votes on repeal. Tag @SenCoryGardner and @SenBennetCO. Here are some sample tweets:
- .@SenCoryGardner Disappointed you voted to take away Coloradans health care. Support bipartisan fix #copolitics #ProtectOurCare
- .@SenCoryGardner You voted to take away health care from 600k Coloradans 3 times. Unacceptable #copolitics #ProtectOurCare
- .@SenBennetCO The #ACA has helped 600k Coloradans get health insurance, Thank you for voting no on repeal to #ProtectOurCare
- .@SenBennetCO Thank you for protecting our healthcare by voting against repeal. #ProtectOurCare #RejectRepeal
Resources & News:
