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Understanding FREOPP's Obamacare replacement in 10 minutes of less.


Posted: Jan 6, 2017

Things that Obamacare does that Transcending Obamacare doesn’t 1.Induce rate shock. The ACA introduces an entirely new layer of federal regulations into the individual health insurance market: tens of thousands of pages of onerous requirements that drive up the cost of health coverage. Transcending Obamacare is carefully designed to cover the uninsured without drastic premium hikes. 2.Force people to buy health insurance. Infamously, the ACA contains an individual mandate, imposing financial penalties on those who would prefer not to buy Obamacare’s costly coverage. Transcending Obamacare has no such mandate, and uses other well-validated tools, like longer insurance contracts, waiting periods, late enrollment fees, and auto-enrollment, to ensure that enrollees don’t game the system. 3.Expand low-quality, government-run health insurance. The ACA covers the uninsured mostly by dramatically expanding Medicaid, a dysfunctional 1960s-era program that delivers no better health outcomes than its enrollees would have with no insurance at all. Transcending Obamacare replaces the ACA Medicaid expansion by offering the same population refundable tax credits that they can deposit in health savings accounts and use to purchase high-quality private coverage. 4.Expand the federal role in the health care system. The ACA substantially increases the already large role of the federal government in the U.S. health care system. Transcending Obamacare puts patients in charge of the health care dollars that are now spent on their behalf by the government. Over three decades, it reduces federal spending by $10.5 trillion and federal taxes by $2.5 trillion, while making the Medicare Trust Fund permanently solvent and covering more people than Obamacare. Things that Transcending Obamacare does that Obamacare doesn’t do 1.Expand choice for health coverage and care. Obamacare’s plethora of federal regulations have dramatically restricted the kinds of coverage that individuals who shop for coverage on their own can buy. Transcending Obamacare goes in the other direction, restoring states’ traditional role in regulating the insurance markets in their jurisdictions, and expanding access to health savings accounts that can be used to obtain care from any health care provider. Reduce premiums relative to current law. The ACA has doubled individual-market premiums relative to where they were before Obamacare went into effect. Transcending Obamacare reduces premiums by restoring choice and competition to the health insurance market, and by tackling other drivers of high-cost health care, such as hospital consolidation. 3.Improve health outcomes for the poor. By replacing the ACA’s Medicaid expansion with high-quality private coverage and health savings accounts, Transcending Obamacare gives lower-income Americans significantly greater access to physician care than they have under Obamacare. We estimate that Transcending Obamacare’s Universal Tax Credit Plan would nearly double access to physicians and hospitals for the Medicaid population, and would achieve for Medicaid enrollees a 159 percent improvement in the Medical Productivity Index, a proxy for health outcomes developed by the University of Minnesota. Replaces Obamacare without disrupting coverage for the newly insured. If you want to cover people with pre-existing conditions, without an individual mandate forcing others to buy coverage, your reforms of the individual insurance market have to be crafted with care. As of 2016, the most widely discussed GOP plans don’t do enough to ensure people stay in the market without an individual mandate. Private health insurers, who will be tasked with offering coverage to the uninsured under Republican reform, are very concerned about this problem. Popular Republican proposals, like high risk pools, cause as many problems as they solve. All of the GOP plans proposed thus far are likely to be scored by the Congressional Budget Office as covering far fewer people than the ACA.;

People on Medicaid will keep their coverage. MSM will - never mention Democrats actually

[ In Reply To ..]
raided Medicare trust funds to pay for Obamacare.

The millions who are Obamacare are basically on Medicaid - taxpayer paid for healthcare and they will continue to have service.

Insurance is the organizing of pools of specific groups of people for coverage.

Obamacare is really not insurance in that sense. It's a govt program. The "millions at risk" are a pool of people guaranteed to get coverage.

Not really true - wantinsurance

[ In Reply To ..]
Not true. I was laid off in 2008 and could not afford insurance until ACA, but I did not qualify for Medicaid in my state (before or after ACA). For the last 2 years I was able to afford coverage with a roughly $70.00 per month subsidy - this year it was about $150.00 subsidy, but of course premiums were higher, but at least I have coverage. It is scary to not have any coverage just in case. I am 59 years old this year and relatively healthy, but still very scary not to have it and am very anxious about what the new administration will give us in place of it. Seems like they only care about removing Obamacare just because they do not like Obama and to defund Planned Parenthood. I don't care about those 2 things, but do want to be able to afford coverage just in case I need it.

Not everyone loves Obamacare, only those getting - subsidies. Great plans at no cost

[ In Reply To ..]
with no or low deductibles.

Problem is, the workers of America got financially destroyed paying for it by paying greatly inflated premiums. Also the ones paying were the ONLY ones stuck with paying $7000 deductibles.

Like socialism, you have 30% supporting it and the other 70% paying for it.

More IRS agents were hired to enforce Obamacare - AKA tax if you don't have it.

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Think of the money we could save as taxpayers by getting rid of them.

You are sadly mistaken - Who's kidding who

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I am afraid that you are going to find that these "souring premiums" that the workers of America got financially destroyed by under the implementation of the ACA are going to frankly explode for these picked upon workers.

There are laws in place today by the implementation of Obamacare that actually protect and aid people and families under employer sponsored health insurance policies that prohibit increases in premiums of excessive amounts.

Once ACA is repealed those legal protections are taken off, and what you are about to discover are true soaring rates that have been reigned in by the implementation of what you call Obamacare. You have been protected under these laws, and frankly you are about to lose those legal protections once Obamacare is repealed.

Good luck, and perhaps in hindsight you should have boned up on your protections under the ACA before you foolishly supported the repeal of it.

What a sad situation our government has created on our behalf. Rather - than promoting interstate

[ In Reply To ..]
competition to lower costs, it has continued to forbid interstate competition by health care providers, thereby continuing its inefficient practices.

The maximum number enrolled in O'care has been 12.7 - million insured despite what MSM and

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politicians says. That number is dropping like a brick as O'Care costs explode and become unaffordable.

In some cases, premiums exceed some families take home pay and still have deductibles in the 6-10,000 dollar range.

What Obamacare did was to show how corrupt all three branches of the unconstitutionally big federal government have become.

Most ObamaCare enrolled are Medicade and highly subsidized people who pay nothing net into the system

This year ObamaCare enrollment will drop to around 10 million insured

If we have 3 million paper pushers and bureaucrats administering 10 million ObamaCare enrolled so we have one administrator for every three ObamaCare enrolled which is insane

No wonder costs are exploding exponentially when each enrollee has to pay in at least $ 15,000 per year just to cover the paper pusher costs

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