More Thoughts on the Health Insurance Exchange
After yesterday's post on the weakening of the Health Insurance Exchange, a Hill staffer e-mailed some related thoughts that are worth publishing. In particular, she notes that closing the Exchange to the employed is going to do terrible things to those who find their employment status undergoing rapid, or even occasional, change.
I’m sorry, I don’t normally like to make your blog interactive, but the other issue with a weak exchange (that seems to be the direction that our committees are going in) is that it doesn’t resolve the continuity of coverage issues that we have in the current system.
For example, let’s say the Washington Post goes under. You are no longer covered by your employer so now you get to go into the exchange. Which is great because, unlike the current system, you’ll still be covered for however long you are out of a job. Then let’s say you find a job with the New York Times. Large company. They offer employer sponsored benefits. Now you are out of the exchange again. You lose what you got in the exchange and are forced to go with the NYT plan (until they go under and you end up back in the exchange.) So apart from all of the great points that you make in your post, you aren’t reforming the system so that insurance companies are forced to make long term investments in the health of their subscribers (because who knows how long they will be there) and you also forego a lot of the administrative saving that would found.
Incidentally, I quite like to make my blog interactive. Keep the e-mails and analyses and tips coming!
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