ACA should be al­lowed to work as it was in­tended

Modern Healthcare - - COMMENT -

Re­gard­ing the ar­ti­cle “Health in­sur­ers' pro­posed 2018 rate hikes are early ‘warn­ing signs'” (Mod­ern­Health­, May 10), the ex­changes would be sta­ble if Congress and the cur­rent ad­min­is­tra­tion al­lowed them to work as in­tended. Of course the ex­changes will die if they con­tinue to choke them.

Repub­li­cans will be cit­ing these huge in­creases for 2018 as ev­i­dence that Oba­macare is dy­ing. The pub­lic must be made to un­der­stand that the law is not be­ing al­lowed to work as writ­ten. Risk-cor­ri­dor pay­ments were se­verely cut; cost-shar­ing sub­si­dies for low-in­come house­holds are be­ing elim­i­nated; HHS has stopped sup­port­ing ex­change en­roll­ment with ad­ver­tis­ing.

The ar­ti­cle men­tions that ac­tu­ar­ial ta­bles can­not be cal­cu­lated with rea­son­able ac­cu­racy be­cause rules for next year's cov­er­age are un­clear. Ev­ery­one will need to add con­tin­gency num­bers to cover them­selves for the worst case. It will be amaz­ing if any in­sur­ance com­pany ac­tu­ally of­fers any plans for 2018.

David Matz, Ph.D. Chadds Ford, Pa.

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