Democrats continue to spin all the plan cancellations as being much ado about nothing: hardly anyone was affected, and those that were affected were silly stupidheads with plans only a dodo-brain would have bought, and from which the ever-helpful Democrats tried to save them.
Kristen Powers is a Democrat, too. But she’s not buying the party line, because she happens to be one of those people whose plan was cancelled, and she’s no stupidhead:
My blood pressure goes up every time they say that they’re protecting us from substandard health insurance plans,” Powers told Bret Baier. “There is nothing to support what they’re saying.”
“I have talked to about how I’m losing my health insurance,” she continued. “If I want to keep the same health insurance, it’s going to cost twice as much. There’s nothing substandard about my plan.”
“All of the things they say that are not in my plan are in my plan,” Powers lamented. “All of the things they have listed ”” there’s no explanation for doubling my premiums other than the fact that it’s subsidizing other people. They need to be honest about that.”
The “they,” of course, is the White House and every pundit and Democratic spokesperson on the planet except for Powers. Is she just learning that “their” lies are egregious and ubiquitous?
Speaking of lies, Ross Douthat takes aim at a common one that was offered by Matt Yglesias in its most recent incarnation, the idea that, in the individual market, insurers were free to cancel a person’s insurance if the person became ill, and did so routinely and often:
During the original Obamacare debate, for instance, the conservative economist John Goodman cited data suggesting that rescission is actually vanishingly rare, and noted that the White House accused insurers of “systematically” rescinding coverage for women with breast cancer based on just four cases out of thousands. Likewise, the University of Pennsylvania’s Mark Pauly has done a fair amount of research on individual insurance market outcomes, concluding that “although there have been some anecdotes about insurers slipping out of their policy provision to renew coverage at group average premiums for high risks by canceling the coverage entirely, we conclude that on average guaranteed renewability works in practice as it should in theory and provides a substantial amount of protection against high premiums to those high risk individuals who bought insurance before their risk levels changed.” (In this paper from 2008, he and a co-author found that while the employer coverage was more stable than individual-market coverage for Americans with average health, “for people in fair or poor health” the chances of losing coverage are actually lower in the individual market than in the employer-based market.)
So it’s simply not true that this was a common practice before Obamacare. There were laws against it, and the cases that did occur were the huge exceptions rather than the rule, and actionable—although some have gotten a lot of publicity (and some, such as one prominent one presented by our president, were lies). But hey, why not repeat a lie if people will believe it?
