Returning autonomy to states can fix what ails the ACA
Regarding the recent article “Cruz insurance proposal underscores trouble with protecting pre-existing conditions” (ModernHealthcare.com, June 30), Cruz is attempting to give autonomy back to the states. As a licensed insurance agent who has helped people for 14 years in nearly half the states, I salute him for striving to fulfill the promise made to repeal the Affordable Care Act and restore the marketplace that people once enjoyed.
States had full autonomy over their private markets before the ACA decimated it. If the ACA is repealed, it merely removes the layer of federal regulation that caused rates to skyrocket and carriers to leave the market. The state regulations remain.
The majority of states could repair their markets by inviting the carriers back. They would be free to offer lots of plan designs with low-priced options that folks could afford. In those states, anyone who delayed purchasing a plan in the private market until they developed an expensive condition would likely pay more for a plan, but the premium would be capped. No mandates, fines nor open enrollment period would be necessary.
In a few states whose laws mirror the ACA, they will continue to have high premiums, but they could adopt state regulations that offer more affordable choices.
Americans don’t want the federal government dictating the type of plan they must have that doubles and even triples their premiums for features they don’t want while eliminating their healthy discount in the name of “protection.” The ACA is a failure and state autonomy can fix it. Beverly Gossage President HSA Benefits Consulting Eudora, Kan.