Uncertainty reigns ahead of new health care sign-up period
DES MOINES, IOWA » Jason Sanford has heard so many rumors about the changing health care landscape that every few weeks he dials a local information desk, seeking just a rough estimate of what his diabetes medication will soon cost him.
The answer is the same every time: It’s too early to say, even with the next open enrollment period under the Affordable Care Act beginning in two weeks.
“It’s just hearsay,” said the 55-year-old sales representative from Davenport. “There’s no channel for information that I’m getting anywhere.”
After several failed attempts in Congress to repeal and replace the 2010 health care law, Americans across the country are grappling with unanswered questions about how “Obamacare” will function during the six-week sign-up period beginning Nov. 1.
The confusion is especially pronounced in Iowa, which is seeking last-minute federal approval to revamp its individual insurance market.
Uncertainty has mounted in recent days amid a push by President Donald Trump to allow the purchase of skimpier insurance plans than the ACA requires and a move by the president to cut off federal payments that help keep consumer costs down. Then on Tuesday, some senators announced a tentative agreement to continue those payments.
What it all means for Iowa isn’t clear. Its proposal, known as the stopgap measure, would be unlike any other state’s health insurance market. It would replace the variety of plans from which people can choose with just one plan for everyone, and the cost would be based not just on income, but on age.
Critics say it could prove more expensive for individuals with high-cost medical needs. State officials argue the higher out-of-pocket expenses would be offset by lower monthly premiums.
Gail Orcutt, of the Des Moines suburb of Pleasant Hill, receives costly chemotherapy for lung cancer. She attended some meetings over the summer on the stopgap measure, though she said she left confused.
Because she doesn’t know what her costs will be next year, she is considering putting off some periodic scans that help detect if her disease is spreading.
“I just might need to skip those until I’m on Medicare,” said the 64-year-old retired elementary school teacher, who will be eligible in May for the national health program for older Americans.
Reyma McCoy McDeid hears concerns like Orcutt’s almost every morning when she listens to voicemails from strangers who have called into the Central Iowa Center for Independent Living, a disabledservices center where she is executive director.
She tries to provide as much as information as she can — which often is little more than the callers already know.
“I listen,” she said. “I think that’s something that people are needing right now. I think a lot of people are overwhelmed. Health care is an extremely important part of being alive, and people are feeling really vulnerable.”
Jennifer Busch, who typically answers Sanford’s calls about diabetes, is one of a small number of federally funded “navigators” in Iowa whose job is to help people enroll in the insurance marketplace. For now, she offers only general answers because she hasn’t received word from the state on how everything would work under the stopgap.
“It’s difficult to reassure people because I don’t know what the picture looks like either,” said Busch, who works for Genesis Health System.
Some health care experts say if Iowa’s plan is approved in the next two weeks, there won’t be enough time to inform people adequately about the changes.