Lack of health care insurance is a threat

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Elizabeth Warren (D-Mass.) blamed Republican lawmakers for undermining the USA health care system through their efforts to repeal the Affordable Care Act (ACA).

Humana Inc says that the problem with selling individual commercial medical coverage through the ACA was that it never stabilized. But despite the added benefits for young people, many Republicans have been insistent on repealing and replacing the ACA, citing rising premiums and a lack of competition between insurance providers.

Gottheimer defeated seven-term Republican Rep. Scott Garrett in November and took office January 3. It has already exited exchanges in hundreds of markets and faces losses climbing to as much as $900 million a year, double what Aetna posted last year, he said.

Part of the individual mandate's objective was the ensure that young and healthy people purchased insurance, so that insurance companies would not be besieged with customers whose care costs insurers more than they made in premiums.

The Sanford-Paul legislation is meant to send a clear signal that there is no excuse for delaying a vote to roll back the health care law.

The dependent child coverage provision both eases the burden on people during a financially stressful period of their lives, and makes for a healthier, more insured population.

He pointed to a rule from the U.S. Centers for Medicare and Medicaid Services, unrelated to potential Obamacare repeal, that will take until 2018 to implement because of laws guiding a federal rulemaking process. Another protection against a death spiral is that roughly 85 percent of the people who buy insurance through the exchanges are insulated from premium increases by subsidies, she said.

Humana's recently-failed merger partner Aetna also pulled out of the exchange marketplace in all but four states back in August.

Insurers offering any plans on or off the marketplaces can set prices based exclusively on five factors: age, location, tobacco use, individual-versus-family enrollment and the plan's category, which denotes how much of the medical expenses, on average, the plan covers.

But there are an estimated 23 million Americans enrolled in Obamacare and Republicans realize that simply dumping them would create a tidal wave of stories like the one I related.

More than 200 patient groups are asking the newly confirmed Health and Human Services secretary to preserve key ObamaCare protections, including one that guarantees coverage for those with pre-existing conditions.

"The overall effect of numerous policies here would actually, over time, I think, actually shrink enrollment, not grow enrollment", says Sabrina Corlette a research professor at Georgetown University's Center on Health Insurance Reforms. But it was a great example of why national health insurance was needed.

Still, Caroline Pearson, senior vice president at consulting firm Avalere, says some change is needed.

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