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Obamacare isn't controlling costs; if insurers decide to exit . . .

To The Daily Sun,

Dr. Ezekiel Emanuel played a major role in crafting and promoting Obamacare. He is now admitting what has become painfully obvious: the so-called Affordable Care Act designed and marketed to the public as a cost-reduction measure, is failing by its own standards. The law isn't controlling costs.

People are feeling this is less and less insurance and just more and more, I'm paying out of my pocket. The plans offered on government-run exchanges need to be more affordable in order to boost participation rates. High-deductible plans are part of the problem. We have to focus on cost control. Affordability is absolutely critical because if we don't have affordable plans we are not going to get universal coverage. They are intimately linked. The program is not actuarially sound.

With rates rising substantially across most of the country, consumers are also being pummeled with climbing out-of-pocket costs. They're forking over a fortune before the coverage they're paying into each month even kicks in at all. When it finally kicks in many are discovering narrow networks and difficulty securing actual care.

It's telling that Hillary, godmother of Obamacare, feels compelled to offer new health care affordability proposals. We can all hold hands and chant the "it's working" slogan all day long, but her actions tell the story. Recently, America's largest private insurer signaled that it is seriously considering pulling out of the Obamacare market, citing major losses that look unsustainable over time. This is a big deal.

New enrollment projections have been slashed. A slew of state-level Obamacare co-ops have gone belly up, 12 of 23 which opened their doors, and the rest, as a group are losing money ... an estimated $200 million. The adverse selection problem arising from older, sicker risk pools is real.

For UnitedHealth, claims data have been getting worse as time has gone on, and there's no evidence pointing toward improvement. Their assessment is that that the company cannot sustain these losses. They can't really subsidize a marketplace that doesn't appear at the moment to be sustaining itself.

2017 is significant for insurers, because that's the year when several programs designed to mitigate risk for insurers through federal backstops go away. The hope was that those programs would act as training wheels for Obamacare in its first few years. After that, the insurers were supposed to be able to thrive on their own.

UnitedHealth's statement suggests otherwise. If UnitedHealth and other insurers decide to exit, remaining insurers will be forced to take on even more high-risk enrollees, prompting them to either raise rates further or exit themselves. That's how a market "death spiral" begins.

Marc Abear

Meredith

  • Category: Letters
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The left makes itself comfortable with barbarous acts of violence

To The Daily Sun,

When the humor of Jimmy Veverka's rants and the letters from the resident who wants to resettle all of the Syrian refugees in his hometown but has no personal funds to help out subsides, one begins to wonder if there might be something in the Tilton water supply that causes these folks minds to bend so far left from reality.

How very disingenuous of Jimmy V. to blame the right (read Christians) for 100,000 deaths since 9/11, while at the same time changing definitions to excuse the murder of well over 10 million unborn babies over the same time period. The pro-abortion crowd chooses not to view killing an unborn baby as murder but simply as the culling of undesirable children from the population stock. Using Mr. V's logic, many Germans during World War II did not see the killing of millions of Jews as murder either, but simply as a method of culling the population stock of the unwanted.

It is amazing how blithely, the left can alter definitions ("It all depends on what is — is") to make themselves feel comfortable with what other see as barbarous acts of violence.

Charles Wibel

Wolfeboro

  • Category: Letters
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