Let’s not for­get the progress achieved through the ACA

Modern Healthcare - - COMMENT -

Re­gard­ing the re­cent ar­ti­cle “Obama ad­min­is­tra­tion’s pro­posed in­sur­ance re­forms in­cite in­dus­try back­lash” (Modlet’s not ernHealth­care.com, Dec. 22), for­get one of the big­gest rea­sons for the Pa­tient Pro­tec­tion and Af­ford­able Care Act: in­sur­ance com­pany abuses.

The ACA elim­i­nated the fol­low­ing: de­nial of in­sur­ance or claims for pre­ex­ist­ing con­di­tions; higher pre­mi­ums sim­ply for be­ing fe­male; life­time and an­nual caps on ben­e­fits; in­creas­ing pre­mi­ums if the pol­i­cy­holder got sick; drop­ping the pol­i­cy­holder for get­ting sick; rais­ing pre­mi­ums with­out pub­lic over­sight; us­ing over 20% of pre­mi­ums for non-health­care re­lated ex­penses, such as ex­ec­u­tive bonuses. The law also made preven­tive screen­ings and vac­cines free, with­out any co­pays.

De­spite in­tense political op­po­si­tion to mak­ing health in­sur­ance avail­able to the ma­jor­ity of Amer­i­cans, more peo­ple than ever be­fore have ac­cess to af­ford­able health­care. In­sur­ance com­pa­nies and health­care providers are mak­ing money. Let’s not go back to a sys­tem of ex­clu­sion, ill­ness-caused bank­ruptcy and an in­sur­ance in­dus­try run ex­clu­sively for profit over health.

There is much to fix and ad­just in the ACA. Let’s make it bet­ter for peo­ple, not in­sur­ance cor­po­ra­tions.

Betsy Marville Boyn­ton Beach, Fla.

Newspapers in English

Newspapers from USA

© PressReader. All rights reserved.