This is how I am thinking about the ACA and CSR’s absent a full repeal.
Open thread
by David Anderson| 14 Comments
This post is in: Anderson On Health Insurance, Open Threads
This is how I am thinking about the ACA and CSR’s absent a full repeal.
Open thread
Comments are closed.
Major Major Major Major
…can you explain it like I’m five in a couple sentences?
Chris
@Major Major Major Major:
“You can’t win, Darth. If you strike me down, I shall become more powerful than you can possibly imagine.”
West of the Cascades
@Chris: “You can’t win, Trump. If you strike the ACA down, it shall become more powerful than you can possibly imagine.”
Fair Economist
Michael Bay is doing a Dora the Explorer movie. No, it’s not April Fool’s Day. I had to check too.
Major Major Major Major
@Chris: @West of the Cascades: I’ve seen Star Wars, guys. I was asking about the reasoning behind how getting rid of CSR’s makes the ACA or CSR’s more powerful.
clay
@Major Major Major Major: Well, Kenobi didn’t really become more powerful than Vader could imagine, I don’t think.
Chris
@clay:
I don’t know, he could imagine quite a lot.
(I also would like a “like I’m five years old” explanation, incidentally: I just wasn’t going to pass that chance up).
Amir Khalid
@clay:
Being dead didn’t stop Obi-Wan mentoring Luke, who in the end did literally strike Vader down.
@Major Major Major Major:
Methinks Mayhew is showing us a trailer for an upcoming post.
Another Scott
@Major Major Major Major: See the “Silver Loading and You” post this AM.
In brief, as I understand it, the tax breaks (paid for by Uncle Sam) will mostly make up for the price increases as a result of not paying the CSRs to the insurance companies. Depending on how the insurance companies planned for the lack of the CSR, your income, competition in the area, etc., it may turn out that Gold plans are cheaper (and better) than the “benchmark” Silver plan. So many people will come out ahead even if the CSRs are never paid again.
But the details matter to be able to determine whether your particular circumstance will be better or worse.
And we can’t assume that Donnie and the Teabaggers won’t continue to try to wreck Obamacare. We have to continue to fight them every single day.
HTH.
Cheers,
Scott.
Fake Irishman
@Another Scott:
And the upshot of this is as the market settles over time (hence the assuming no “repeal” and the need to keep fighting them every single day) the most popular and cost-effective plan for people between 200 and 400 percent of the poverty line across markets will tend to become Gold instead of Silver. These are solidly middle class folks who get some help from the current ACA, but often are on the hook for high deductibles. They’ll come to expect gold plans as a new standard. And they’ll likely have more political power than the poorer people on Medicaid.
So killing CSRs perversely both makes the ACA more generous and more politically popular. Hence the clip.
Now I’m just hoping America can confront the darkness in its own family history without getting a hand chopped off…..
David Anderson
@Fake Irishman: Bingo —
2018 is destined to be a clusterfuck no matter what. 2019 is the story in my mind.
Major Major Major Major
@David Anderson: gotcha.
Ohio Mom
@Fake Irishman: And if all this comes to pass, forever after Republicans will claim that Trump DID improve health coverage.
We won’t ever be able to convince anyone that this isn’t exactly as true as it might appear because only people who have been following David on this blog would have the background knowledge to follow our argument, and they of course won’t need convincing.
I guess this is an irony I could live with.
David Anderson
@Ohio Mom: I will live with that trade-off