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Wednesday, Nov 26, 2014
Editorials

The Obamacare blues

Published:

The effects of Obamacare’s excessive mandates can be seen in Florida Blue dropping 300,000 health insurance policyholders.

The company this week notified individuals it was dropping their coverage because their policies did not comply with the Patient Protection and Affordable Care Act requirements.

So much for President Obama’s promise that if you liked your insurance coverage you could keep it.

You can’t keep your policy if the government prevents the insurance company from offering the low-premium coverage you want.

The law demands medical plans cover 10 essential benefits. It is simple math that increasing benefits increases costs.

The law requires all medical plans include coverage:

Ambulatory patient services; emergency services; hospitalizations; maternity and newborn care; mental health and substance use disorder services, including behavioral treatment; prescriptions drugs; rehabilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care.

All the benefits are admirable, but not everybody needs every one of them. A middle-age childless couple does not require a policy that includes maternity care or pediatric services.

Yet Obamacare prevents individuals from fashioning lower-cost policies that meet their specific needs.

Stay tuned.

The law, whose online exchanges have been a debacle, is likely to have additional unpleasant surprises.

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