Tuesday, March 11, 2014
By ANDREW DeMILLO/The Associated Press
LITTLE ROCK, Ark. - Bill Clinton urged opponents of the federal health care law Wednesday to stop trying to repeal it and instead work to improve it, as the White House enlisted the former president to make the case for its signature domestic accomplishment.
Dubbed “secretary of explaining stuff” by President Obama, Bill Clinton makes a case for the Affordable Care Act on Wednesday in Little Rock, Ark.
The Associated Press
COMPETITIVE INSURANCE MARKET FORSEEN, ALBEIT WITH PRICE DIFFERENCES
WASHINGTON - The No. 1 question about President Obama's health care law is whether consumers will be able to afford the coverage. Now the answer is coming in.
The biggest study yet of premiums posted by states finds that the sticker price for a 21-year-old buying a mid-range policy will average about $270 a month. That's before government tax credits that act like a discount for most people, bringing down the cost based on their income.
List-price premiums for a 40-year-old buying a mid-range plan will average close to $330, the study by the private data analysis firm Avalere Health found. For a 60-year-old, they were nearly double that at $615 a month.
Starting Oct. 1, people who don't have coverage on their job can go to new online insurance markets in their states to shop for a private plan and find out if they qualify for a tax credit. Come Jan. 1, virtually all Americans will be required to have coverage, or face fines. At the same time, insurance firms will no longer be able to turn away people in poor health.
The study points to the emergence of a competitive market, said lead author Caroline Pearson, a vice president of Avalere. But it's a market with big price differences among age groups, states and even within states.
The bottom line is mixed: Many consumers will like their new options, particularly if they qualify for a tax credit. But others may have to stretch to afford coverage.
"We are seeing competitive offerings in every market if you buy toward the low end of what's available," said Pearson.
However, for uninsured people who are paying nothing today, "this is still a big cost that they're expected to fit into their budgets," Pearson added.
The White House didn't challenge the study, but Health and Human Services spokeswoman Joanne Peters said consumers will have options that are cheaper than the averages presented.
With insurance marketplaces soon to open, the Avalere study crunched the numbers on premiums filed by insurers in 11 states and Washington, D.C.
Eight of them are planning to run their own insurance markets, while Washington will run the operation in the other four. There were no significant differences in premiums between states running their own markets and federal ones.
However, Pearson said she's confident the premiums in the study will be "quite representative" of other states.
-- The Associated Press
Speaking at his presidential library, Clinton offered a detailed defense and explanation of the law as a key part of its implementation nears. His nearly hour-long speech was the first in a series of addresses expected by administration officials and allies defending the law this fall.
"It seems to me that the benefits of the reform can't be fully realized and the problem certainly can't be solved unless both the supporters and the opponents of the original legislation work together to implement it and address the issues that arise whenever you change a system this complex," Clinton told more than 300 people. "There are always drafting errors, unintended consequences, unanticipated issues. We're going to do better working together and learning together than we will trying over and over again to repeal the law or rooting for the reform to fail."
Clinton's speech comes with the Affordable Care Act in final countdown mode, just a few weeks before the scheduled Oct. 1 launch of online health insurance markets in the states. The markets -- also called exchanges -- are supposed to be a one-stop portal to the benefits of the law. Middle-class people with no access to health care on the job will be eligible for subsidized private coverage, while the poor and near-poor will be steered to Medicaid in states agreeing to expand the program. Markets will open in all the states, even those refusing to expand Medicaid.
Even though Clinton's speech was overshadowed by the Syria debate, the White House hopes to get a much-needed boost from the former president. Barack Obama, who has dubbed the 42nd president the "secretary of explaining stuff," tapped Clinton's persuasive powers during the congressional debate over the health care law, sending him to Capitol Hill to cajole worried Democrats.
Clinton, who unsuccessfully pushed for health care reform as president, praised the 2010 law for addressing the cost and availability of health care.
"This does give us the best chance we have to achieve nearly universal coverage, provide higher quality health care and lower the rate of cost increases, which we have got to do in a competitive global economy," he said.
Clinton offered suggestions to improve the law, including expanding the availability of tax credits for small businesses. He also called on Congress to address a glitch in the law that prevents some workers who can't afford their employer's coverage from getting financial assistance from the government to buy private insurance on their own.
SHOWDOWN IN ARKANSAS
Clinton's home state has turned into a major battleground over the health care law, and an example of how even Republican-trending states are still willing to embrace some elements of the federal overhaul. The GOP-led Legislature approved an alternative to expanding Medicaid under the law earlier this year, backing a plan to use federal funds to purchase private insurance for thousands of low-income residents.
Republicans in 2010 unseated Democratic Sen. Blanche Lincoln by tying her to the federal health care law, and hope to do the same with Democratic Sen. Mark Pryor next year. Pryor has defended his vote for the overhaul and has been touting the benefits Arkansas will see.
Republicans in the state's congressional delegation have also been split over efforts to tie any spending bills this fall to efforts to defund the health care law. GOP Sen. John Boozman and Rep. Steve Womack have spoken out against the approach, warning it would lead to a government shutdown.
The expansion, which Democratic Gov. Mike Beebe signed into law, sharply divided Republicans in the state House and Senate. Backers of the move called it a conservative compromise that would help businesses, while opponents said it was no different than expanding Medicaid's enrollment.
Clinton praised Republicans and Democrats in the Arkansas Legislature for finding a way to work together.
"My view is Arkansas did a good thing, a bipartisan thing, a practical thing and the rest of us ought to get behind them and help them," he said.
Clinton spoke to a packed hall that included Beebe and lawmakers, including Republican legislative leaders who say they still oppose the health overhaul despite the state's plan to expand coverage.