Opt Out on Obamacare, Opt Into the Private Health Care Revolution

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Facebook Twitter Show more sharing options Share Close extra sharing options. Shawn Stevens of Trenton, Mich. He and his wife work long hours to cover health insurance co-pays. Levey Staff Writer.

Rising health insurance deductibles fuel middle-class anger and resentment - Los Angeles Times

July 17, Los Angeles Times. Health insurance deductibles soar, leaving Americans with unaffordable bills. Soaring deductibles and medical bills are pushing millions of American families to the breaking point, fueling an affordability crisis that is pulling in middle-class households with health insurance as well as the poor and uninsured.

Former Republican Representative (GA-6) and Speaker of the House

The Times is publishing a series of stories examining the steep run-up in health insurance deductibles over the last decade and the effect this is having on American patients. Noam N. Follow Us. Levey writes about national healthcare policy out of Washington, D. He covered passage of the Affordable Care Act and has written extensively about the landmark law and reported on its implementation from around the country. A former investigative and political reporter, he is a Boston native and a graduate of Princeton University. He joined the newspaper in and has reported from Washington since Show Comments.

More From the Los Angeles Times.

Elizabeth Warren’s new Medicare-for-all plan starts out with a public option

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2020 Open Enrollment for Health Insurance and other important updates

The uninsured and people eligible for free coverage would be automatically enrolled. There would be an opportunity to opt out. At the same time, Americans over 50 would also be eligible to enroll in the existing Medicare program, with new limits on their cost-sharing. Other Americans, including the million people who get insurance through their work, could choose to join the public option if they wish.

Opt Out on Obamacare, Opt Into the Private Health Care Revolution has been added

For people who did choose to enroll in the government plan, their employer would need to pay a contribution to help cover the cost. People with incomes above percent of the poverty level would be asked to pay premiums capped at 5 percent of income and they would have to pay some money out of pocket for medical care; the government plan would cover 90 percent of costs.

This is a key tenet of Medicare-for-all as written by Sanders and previously endorsed by Warren: no cost-sharing or means-tested premiums. The two-step approach — instead of one bill with a transition period, as Sanders has written — is an attempt to navigate Senate rules and Senate politics. First, if Democrats manage to win a majority in , it will be a slim one. They could theoretically eliminate the filibuster, but a lot of senators sound reluctant to do that.

So any major legislation would likely need to be passed through the budget reconciliation process, which allows a bill to move with just 51 votes but restricts what policies can be included to provisions that directly affect federal spending and revenue. Some provisions of Medicare-for-all, like the prohibition on private insurance, are not thought to be permissible under reconciliation.

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And to pass a reconciliation bill with a slim majority, Democrats will need basically every single one of their members to support it. There would be a significant bloc of moderate Democratic senators — led by the likes of Sens. That would require 60 votes, so either a difficult-to-imagine Democratic supermajority where the entire caucus supports single-payer, or even more difficult-to-imagine Republican support for the plan.

That would defy the recent history of health care reform where parties that pass or even just pursue major changes to US health care pay dearly in the next election, as they did in , , and But the assumption is baked into each of their plans in a different way. In that case, the new Democratic president would be mostly dependent on their administrative power to change health care policy. Warren also detailed her roadmap for executive action, a mix of reversing Trump administration actions and taking her own steps to, in particular, reduce prescription drug and other health care costs.

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Elizabeth Warren speaks alongside Sen. Bernie Sanders about Medicare-for-all legislation on Capitol Hill.