Archive for the 'Obamacare 2017: Talking Points for Advcocacy' Category

Mar 18 2017

Obamacare 2017: 10 Talking Points for Advocacy

I. Introduction

I’m writing for my family, friends and the public to advocate for Obamacare.

Right now, it seems the Senate will vote against the repeal and replacement legislation proposed by House Republicans, but there is still a fight and it will help if we all understand the honest benefits of Obamacare and the Republican lies.

Here are the 10 Obamacare Talking Points:

  1. Children should be allowed to stay on their parent’s policies until age 26.
  2. No denial of coverage for pre-existing condition and NO high-risk insurance pools.
  3. Individuals and employers should have a mandate to get insurance.
  4. Americans should get financial help to cover costs of insurance.
  5. The increased taxes on individuals earning more than $200,000 and families earning more than $250,000 should remain in place.
  6. The 80/20 Plan where Insurance companies have to pay at least 80% of their income on health care costs for customers should remain in place.
  7. Insurance companies should continue to be forced to present any request to raise insurance premiums over 10% to be reviewed.
  8. Federal funds should be used to fund the “risk corridor” program so that insurance companies can be protected from financial losses.
  9. All states should expand medicaid.
  10. Insurance benefits should have no limits in coverage and offer free preventative care.

 

II. Research Supporting the 10 Talking Points

 

  1. Children should be allowed to stay on their parent’s policies until age 26.

The law that children between the age of 19 and 26 be allowed to stay on their parent’s insurance policies has had universal support in our country among Republicans and Democrats.

You may find it surprising to know that in 2010,  13 million Americans between the ages of 19 and 29 were uninsured. This figure represented about 27% of the total 47 million Americans were uninsured.

So, this population was important for healthcare planners to get insured. About 3 million became insured on their parents policies and many others bought insurance in the insurance markets.

 

 

Click here for a youtube video describing this aspect of Obamcare in more detail.

Youtube video on Obamacare 19-26 year old access to insurance.

 

      2. No denial of coverage for pre-existing condition and NO high-risk insurance pools.

Obamacare guaranteeing insurance coverage for Americans with pre-existing conditions was a radical breakthrough.

For the first time in history, Americans could not be denied coverage or have their coverage terminated because they were sick. It seems shocking to write this sentence…how could an advanced, rich country like America neglect its most vulnerable citizens and allow insurance companies to reap profits by excluding and dumping sick customers.

So, this provision has also received widespread support, but the current Republican proposal begins to limit this provision ever so quietly. They say everyone will be covered, but they create a loophole where Americans must have “continual coverage”, meaning their insurance must not lapse. If it does, the insurance company can demand a 30% premium increase, so the sick person must pay more, as was true in the past.

The other part of the Republican plan is to use “high-risk insurance pools” for Americans with pre-existing conditions and serious health problems. High-risk pools have been used before and several problems were identified, especially related to cost and access. OBamacare is considered by many experts to be better because it focuses on increasing coverage among more healthy, young people so the premiums paid by younger people will help pay for the more costly care of older people.

Here is a short video describing the problems with high-risk insurance pools:

High-risk insurance pools vs. Obamacare

 

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