ACA – Once Upon a Paradigm

Ultimately as liberals and progressives I think we get stuck in our definition of words. There are some people who define liberalism as a static rather than dynamic concept. But I would put out there that liberalism as a concept is dynamic and does nothing more than reflect the milieu of any given era in civilization.

Let’s take the oft talked about Greatest Liberal of all time FDR. FDR was a great liberal, but he interred Japanese Americans, which isn’t liberal at all. Social Security was a liberal policy, but just for white men when it began. Just saying.

Let’s look at R.M. Nixon for a minute, an arch conservative with fascist tendencies, who committed a political crime, that dude created the EPA and his signed into law NEPA thanks to Scoop Jackson, another flawed liberal in Washington State politics, he supported Vietnam but was a great environmentalist. They usher in an era of deep research into ecological restoration. Nixon reflected his era,because of the pressures around him. That era demanded some action on the environment, which was considered a liberal cause.

Let’s look at t Jimmy Carter for a minute, you define him as a liberal, but under his administration the airlines were deregulated, this is not what we would consider today to be a liberal policy position. Indeed he was reflecting his era, his time. And many of the Carter policies were liberal.

We all know that under Clinton, Welfare was effectively gutted, and that was an indication of what was to come, the deregulation of financial services. People love Clinton now, b/c the economy was so great back in the 90’s and everyone wants to go back to that, but at the time, Clinton’s policies were just reflecting the era, sometime his policies could be considered quite liberal, The Federal Acquisition and Streamlining Act of 1994, a very liberal policy that expanded the numbers of minority businesses competing for Federal Government contracts. It was a very important micro-economic policy.

Barack Obama is no different from those Presidents, he reflects this era. This returns us to my original statement, but what I am describing is our dynamic concept of liberalism which has changed over time. His agenda is mostly liberal. But not everything his administration proposes or accomplishes is liberal. I think that is because as people we too are more complex than that, we are not one dimensional and we are not static beings. We evolve and change as do our expectations of civilization. This is just another step up in our continuing growth as humans. As we continue to evolve as people, our government will evolve with us.

Crossposted at DAGBlog and TheAngriestLiberal

The Health Care Bill, more often than not, raises the ire of both conservatives and progressives. They’ve teamed up to spread as much misinformation about the bill as possible. Why? I am not sure, because this bill goes a long way to get more people access to health care.

I think it all began with a guy named Howard Dean and some comments he made In December of 2009. Dean was very angry that the public option was eliminated from the Senate bill. The target of Dean’s rant was Joe Lieberman, ( I)CT, he was pretty pissed at Lieberman and he seemed to feel no bill would be better than this bill now. He was angry at the process. And his anger is not unfounded. This Senate has become a branch of our government that is immovable, ideologically entrenched, almost completely unable to pass any worthwhile legislation. Dr. Dean was pretty pissed about that, as we all should be. However, instead of directing his anger at the improbable 60 vote requirement to pass any legislation of substance, he decided it would be time to just let Republicans win by killing the bill. That didn’t happen of course, but that was an extreme reaction, one Republicans were relying upon, this is where they were able to begin to sow the seeds of discontent among voters, they have filled the air with misinformation, with the help of people who are otherwise quite progressive. All that discontent, and the Executive Branches unbelievable inability to fight back against the propaganda has left people with a sour taste in their mouths when it comes to their thoughts about PPACA.

A number of people jumped on Dr. Dean’s bandwagon, Keith Olbermann went on the air to loudly proclaim why the Senate Bill should not be passed. Two days after Dean’s rant against the bill, a number of left leaning organizations and people banded together to help kill the bill:

Dave Linderhoff of The Public Record
Jane Hamsher of FireDogLake
Markos Moulitsas; Daily Kos Founder
Darcy Bruner; a past candidate for Congress

Lying about ACA has become something of a cottage industry. But don’t believe the hype, the reforms already implemented have brought down insurance costs, added more people to insurance rolls, new benefits for senior citizens, implemented necessary regulations regarding pre-existing conditions and an 80% requirement that premiums be spend on the consumers health care costs, with 20 mandated for administrative costs.

People who will benefit most from the bill:

Those without any insurance.
Those who have paid for expensive individual policies on their own.
Employees of small businesses that have trouble affording the cost of joining a group plan.
Low income Medicare participants who are left paying for whatever is not covered by Medicare for their medical bills and prescriptions.

Who is without access to health insurance? Some of those people are the working poor. It has been a long struggle to get federal legislation dealing with this problem, the estimates are there are some 45 million people without access to basic heath care. In the past, some states attempted to solve this problem on their own by setting up their own state run “group” for people who didn’t qualify for Medicaid. When the boom of the 1990’s ran its course, those programs began to be cut severely because of the expense of running the programs and because states don’t have as much revenue since the economic downturn and they are having to make tough choices. Many states of course never attempted such things. Washington State has such a program, but its funding has been cut in the past few years so although people may qualify by their income, there are no slots open to take them as customers, in fact the plan has had to disenroll people because of a lack of funding, in total 17,000 members were disenrolled.

However the results of PPACA have been positive.

More young adults have coverage
Requires beginning this year, insurers must spend 80% – 85% of premiums in actually delivering care
Premiums decreasing even for state employees.
Our health insurance plans now have to justify their premium rate increases to the State and pass an approval process before they can raise prices.
Because of the ACA, young adults can now stay on their parents’ insurance until the age of 26.
New York has something called “community rating,” which means that health insurers can’t charge you higher rates simply because of your age, gender, or health history.
Because of the ACA, we no longer have to pay co-pays for many preventative care services.
Because of the ACA, people with pre-existing conditions now have choices for coverage, one example the NY Bridge Plan.
Because of the ACA, seniors who hit the Medicare “donut hole” are now getting help with their prescription drug costs.
States like New York have a law in place called “guaranteed issue,” which means that insurers have to offer health insurance to everyone, even if they have a pre-existing condition (even though they have waiting periods for coverage related to that condition. But thanks to the ACA – those waiting periods will soon be a thing of the past!).
More changes to Pre-existing condition plans by states, here is a preview, premiums have decreased.
Premium and Cost sharing subsidies to individuals: the mechanism provides refundable and advanceable premium credits to eligible individuals and families who fall between 133% and 400% of FPL (Federal Poverty Level) to purchase insurance through state created health exchanges.
Provide Costsharing subsidies to eligible individuals and families. Cost-sharing credits reduce the cost sharing amounts and annual cost-sharing limits and have the effect of increasing the actuarial value of basic benefit plan to the following percentages of the full value of the plan:
- 100 – 150% FPL 94%
- 150 – 200% FPL 87%
- 200 – 250% FPL 73%
- 250 – 400% FPL 70%

Health Exchanges: a few examples

California
Arkansas
Kansas
Alaska
Alabama, and here
Montana, North Dakota and Colorado
More legislative info on Montana Insurance Exchange plans.

Vermont : passed legislation to build a single payer plan for the state of Vermont and in October of this year, (2011) that plan got one step closer to implementation.

These new federal policies are working. I think this is good. There seems to be a small, but loud coalition of people on both sides of the ideological aisle who would have you believe PPACA is a complete failure, but the evidence says otherwise. Let’s stop letting them get away with their propaganda war against delivering health care to those who would not otherwise have access. Let’s fight back with the facts at hand, because the facts indicate the legislation is working.

Crossposted at TheAngriestLiberal