A new report has been released by HHS Secretary Sebelius as part of the Democratic campaign to convince people that the HCR bill they have grown to loathe will actually help them. This, by the way, is a completely separate issue from two others that plague the bill, and are hotly debated: the effect it is likely to have on the budget and the deficit, and whether it is constitutional.
The report states that up to half of Americans under 65 have pre-existing conditions that might serve to disqualify them from health insurance under the old system. That ignores the reality that most such people have insurance and will always have it, because group insurance bought through an employer takes all comers.
I don’t know what percentage of those people will actually ever be forced into the individual market, but it certainly would be a far smaller group than half of all Americans under 65. Even people who lose jobs temporarily are eligible to be covered through Cobra for quite some time (usually 18 months), and although Cobra is expensive, nevertheless some people manage to use it. What’s more, many states already have high-risk pools for individuals with pre-existing conditions, and although premiums are high relative to group insurance, it is certainly possible to get coverage even with pre-existing conditions.
In addition, not all the conditions listed in the report are enough to plunge a person into the high-risk pool. For example, controlled high blood pressure or high cholesterol does not usually do so unless it requires many medications or there are other complications. The real reason so very many Americans fall into these categories is not that we are sicker, but that “high” is defined differently than it used to be, and medication to treat the newly-defined conditions is used much more freely and earlier.
Here’s the hype, and the language used by Sebelius in trying to sell this report and HCR itself:
“Americans living with pre-existing conditions are being freed from discrimination in order to get the health coverage they need,” HHS Secretary Kathleen Sebelius said in a statement. Repealing the law, she argued, would leave such people unprotected.
Note the use of the loaded term, “discrimination.” One hears it again and again from proponents of HCR. One would think they were describing some capricious hate-mongering on the part of insurance companies, akin to racism or anti-Semitism or all the other vicious isms that we deplore.
At this point, why call our health insurance companies “insurance companies” at all? Might we not invent a new name to take into account the fact that they forbidden to operate in the traditional manner of insurers, who cover people for future catastrophic events, and are allowed to take into consideration such basics as risk factors?
