Public opinion polls show that fewer and fewer are blaming former President Obama for the health care debacle. Fairly or not, the blame is quickly shifting to congressional Republicans ahead of the midterm elections. In fact, Senate Minority Leader Chuck Schumer (D-N.Y.) made clear Democrats will spend the month of August attempting to blame Obamacare’s failures on President Trump and congressional Republicans.
In terms of policy and politics, the path forward is clear: lower costs and better choices.
It’s time Americans are relieved of Obamacare’s high costs and reduced choices. We need insurance that will provide financial security and peace of mind. We need a solution that will protect the sick and vulnerable without burdening the healthy and driving them out of the insurance market.
Work has begun in the states and in Washington to advance these goals. States are seeking federal waivers from Obamacare rules to the fullest extent possible. The Trump administration is using its limited regulatory authority to give people more affordable choices, including allowing small businesses and self-insured people the ability to join larger insurance pools to get better rates and more flexible benefits. It also is reviving what are known as short-term limited-duration policies, which will offer millions of Americans a bridge to retaining coverage and to purchase policies free of the expensive and burdensome Obamacare requirements. Congress also has taken some important steps by eliminating the individual mandate’s tax penalty starting in 2019, ending the dreaded Independent Payment Advisory Board, and delaying some Obamacare taxes.
This step-by-step relief is important, but it is clearly not enough. These actions do not repair the fundamental damage that Obamacare is doing to private health insurance markets. For that, Congress must act.
After efforts to topple Obamacare fell short last year, many in Congress and the administration seem resigned to accepting the status quo. Many were even willing to bail out and prop up the program. But Obamacare is broken, can’t be fixed, and continues to do great harm.
What’s needed is a fresh approach—one that gives Americans more choices of private, affordable coverage while making sure the most vulnerable are protected. The Health Care Choices Proposal would:
Empower consumers with more choices. The Health Care Choices Proposal would replace open-ended federal payments to insurance companies with direct grants to states, giving them resources and flexibility to reinvigorate broken private individual and small group markets while also keeping to a fixed budget.
Reduce costs by unwinding heavy federal mandates and allowing states to innovate. States will have the necessary resources and flexibility to create innovative solutions and encourage more competition among insurers on choice and costs. By eliminating some of the costly Obamacare regulations, including the 3:1 age band rating, essential health benefits, single risk pool requirement and others, the Proposal will empower people to access health insurance that is more affordable and widely available.
Refocus subsidies on those who need them most. Taking a page from the success welfare reform of 1996, the Proposal’s direct block grants to the states would enable states to better target assistance to those in need while also ensuring Americans can find affordable private insurance.
Provide security and protect high-cost patients. Today, Obamacare’s subsidy structure enriches insurance companies at the expense of many Americans. The Proposal would give states the resources and flexibility they need to ensure the most-expensive patients are protected but do not raise costs for everyone else.
Ensure that all Americans can choose a private health plan. The Health Care Choices Proposal would give the millions of Americans locked into government-run Medicaid and CHIP programs a better option on the private market through premium support; similar to what conservatives have proposed with Medicare for more than a decade.
Protect life. Funding for these grants to the states would run through the existing Children’s Health Insurance Program which permanently prohibits federal taxpayer dollars from being used to pay for abortions thanks to long-standing Hyde-style protections embedded in the existing law.
Hi, this is [NAME] from [CITY].
I am calling to let [MEMBER OF CONGRESS] know that it is important to me as a constituent that Congress return to the health care debate. Under Obamacare, Americans have fewer healthcare choices than ever and the costs of health care have only gone up.
Now, some politicians want to eliminate health care choice entirely—but Americans need more choices, not fewer. Government-controlled healthcare through a so-called “Medicare for All” plan is not the solution.
The solution to better health care and lower costs is greater freedom and more choice.
Please ask [MEMBER OF CONGRESS] to support the Health Care Choices Proposal, a plan to unwind Obamacare’s heavy federal mandates and empower individuals and patients with more meaningful and real choice.
Thank you for passing along my message.
#HealthCareChoices Proposal empowers patients, lowers premiums, protects the vulnerable, & increases freedom of choice. No brainer? @MEMBER
.@MEMBER the #HealthCareChoices Proposal is what Americans desperately need. More choices and lower premiums are what Americans deserve.
#Obamacare does not work. It is time to reduce premiums and restore freedom of choice. Support #HealthCareChoices Proposal. @MEMBER, it really is that simple.
Americans deserve lower costs and better choices when it comes to their health care. The #HealthCareChoices Proposal would get us there. @MEMBER
One size fits all #Obamacare failed. Let’s get back to freedom of choice. @MEMBER, I stand for #HealthCareChoices