Julie Has Questions about ObamaCare that Government Can’t Answer

July 24, 2013

This Op-Ed was also posted online and printed by the Austin American Statesman: read it here

By Peggy Venable

Back in 2010,when the Health & Human Services Department missed its first deadline under ObamaCare, it was foretelling what was to come. The task was merely to publish a list of all their new powers under the law. Struggling with such a boundless task, they embarrassingly opted to simply reprint the bill’s table of contents. And despite having three years since then to implement their own policies, things have only gone further downhill. With July already half way over and this inept administration facing a potentially disastrous midterm election, they finally admitted being unable to implement major portions of the law and announced a year-long delay.

Along with the delay came another admission of the inability to verify Americans’ income or insurance status before signing them up for ObamaCare health insurance exchanges, both fundamental components of the law. That’s right, merely claiming that you are low-income and that your employer is not providing you affordable coverage will now be enough to draw down money from your fellow taxpayer, opening the door to rampant fraud and abuse. It’s calamities like these that led one of the bill’s primary authors, Senator Max Baucus, to privately fret over the rollout becoming a “train wreck.”

It’s also why average Americans have a lot of questions about what is next to come down the pike. While then-House Speaker Nancy Pelosi once notoriously said we have to pass the bill to find out what’s in it, apparently that’s not enough either. The government has itself so tied in knots trying to realize a Frankenstein’s monster of interlocking regulation, they themselves can’t even tell us what things will look like by the October implementation deadline.

It’s under this unfortunate set of circumstances that Americans for Prosperity is beginning an effort in Texas to last the summer, featuring Julie, a mother of two, who has serious questions about ObamaCare and what it will mean for her growing family. Julie isn’t an actress—she has a young son who’s suffered seizures in the past, and another baby on the way. She rightfully wants to know what might happen to the top-flight care her son has received.

Her first question is simple: If we can’t pick our own doctor, how do I know my family’s going to get the care they need? Progressives howl at the suggestion that ObamaCare will be anything short of a bonanza of primary care providers lined up to serve Americans around the clock.  But in reality, the CBO estimates 7 million people will lose their employer-sponsored health insurance, thereby limiting their health care choices. And Julie ought to hope she doesn’t live in California, where only one measly provider has bothered to roll out a qualifying individual insurance plan–this, due to the perverse incentives written into the law. If her preferred physician is outside that plan’s network, she’s out of luck.

Julie would also do well to hope she isn’t priced out of the shiny new health care pseudo-market, where costs are already skyrocketing in parts of the country. If she finds herself on Medicaid in order to avoid paying the IRS a penalty for going uninsured, she’ll also have trouble finding a doctor willing to accept new patients. In Texas, over 30% of doctors have already admitted they refuse to accept new Medicaid patients due to poor reimbursement rates. For many in need of care, that means their Medicaid card will have a lot in common with a day-old lottery ticket: it won’t be worth much.

All of this is without mentioning the doctor shortage experts say is imminent under the law. According to the Association of Medical Colleges, the United States will be short 91,000 doctors by 2020– and half that shortfall will be among primary care physicians like the ones Julie will use for her kids’ routine checkups.

This average mom would also like to know what she’s getting “in exchange for higher premiums and smaller paychecks,” as Stanford expert Daniel Kessler has estimated that 10 million people will see rate hikes right away in 2014.  One could imagine administration officials stumped with this one at the moment. Bad answers might range from “getting dumped from my employer’s plan” to “paying for grossly unnecessary coverage,” while good answers appear to be in short supply.

While the administration and the progressive commentariat live in a bubble where every hiccup with the law is due to an unreasonable opposition, the reality is that these are problems written into the law itself and issued through guidance by the President’s own HHS Department. That average Americans find themselves confused should be no surprise, considering government officials themselves seem to be in a fog as the rollout is plagued by delays, half-truths and uncertainty.

The truth is that ObamaCare will further distort price signals in the health care market, dis-incentivize thorough testing and first-rate care, shift costs to the young and healthy, and exacerbate the need for cost cutting at the expense of the old and sick. Instead of blame-shifting, the President should start showing some accountability for signing a law that was designed for a favorable CBO score instead of actually improving the care most Americans were already satisfied with.

“I think we all deserve some answers,” Julie ruminates. With this administration, it looks like we’ll be waiting a long, long time.

Peggy Venable directs the Texas state chapter of Americans for Prosperity. 

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