Remember co-ops, from the horrible, lie-filled health care debate? Co-ops didn’t get nearly the press that the imaginary death panels did, but the idea had supporters:
New consumer-controlled health insurance plans could get seed money from the government to increase competition – and maybe cut prices — under new rules announced Monday by the Department of Health and Human Services.The rules would steer a total of $3.8 billion in low-interest loans to groups such as The Evergreen Project in Baltimore, seeking to launch the so-called Consumer Oriented and Operated Plans. The health department hopes at least one “co-op” will launch in each state and anticipates funding a total of 57 around the country.
The strategy is that new health plans run by consumers – most board members would also have to be plan members — would find ways to improve care, rather than boost profits. The new plans, made possible by the seed money, would also compete with established insurers to drive prices down.The co-ops could “further two of the important goals of the Affordable Care Act, increasing competition and enhancing the voices of consumers in the health care market,” said Steve Larsen, the director the Center for Consumer Information and Insurance Oversight, during a Monday call with reporters to announce the rules.
Here’s The Evergreen Project:
AN AUDACIOUS ATTEMPT TO CREATE SYSTEMIC CHANGE
We know the health care system is broken. It’s the only industry in the country where costs continue to rise, while quality continues to lag. As a country, we’ve taken major steps forward in the last year, but even with reform, too many Americans will remain uninsured or underinsured.
But, what if there was a solution? A solution that reduces costs, while improving outcomes. A solution where informed and involved patients work in tandem with their community physicians. A solution that is built on evidence-based medicine – or simply put, the use of medication and procedures that are proven to work. A solution that fundamentally changes the payment structure. A solution that creates genuine change. Well, that’s why we’re here.
What if? Just answer the question, please.
Okay, maybe not. Here’s a less breathless fact-based report on The Evergreen Project from a local paper that may help:
Pursuing a passion for “health care for all,” Peter Beilenson, M.D., the county’s health officer, is leading an effort called The Evergreen Project to create a new health care cooperative plan with a network of statewide clinics. The co-op would compete with qualified commercial health insurance plans on the new health insurance exchange Maryland is setting up under the federal Patient Protection and Affordable Care Act (ACA).
Section 1322 of the health reform law enables the creation of Consumer Owned and Oriented Plans — co-ops. The ACA encourages that co-ops be statewide or in geographic regions throughout the country.
Under The Evergreen Project, the co-op would comprise a network of neighborhood clinics staffed by “teamlets,” including a primary care physician, a nurse, a health coach or social worker, and a front office liaison who is ideally from the community served. Beilenson said about a dozen states have similar efforts underway, but he believes Maryland is further in its development.
Co-ops would be self-governed by an elected board, but operate within the health reform exchange, under the same rules and regulations for minimum benefits, actuarially equivalent packages and reserve funds.
The Evergreen Project is currently studying the feasibility of launching a co-op plan in Maryland designed for households with family incomes of between133 percent and 400 percent of the Federal Poverty Level (a family of four earning $28,000 to $88,000 annually).Families in this range will be eligible for federal health insurance premium subsidies under health exchanges per the ACA, but many are still likely to find the cost too high, Beilenson said.
I already loathe the word “teamlet”, but other than that, do we hate this? I’d go out of my way to buy into the co-op plan, if one were offered in my state.









