Here are all the articles I've written about GOP. Enjoy!

June 30th, 2017

What a difference a week makes! SB 562 Update

Thanks for tuning in for our series on single payer!  What a difference a week makes; big update on SB 562.

On Friday, 6/23/17, CA Assembly Speaker Anthony Rendon (D-Lakewood) shelved the proposal saying it is “woefully incomplete” and has postponed any further legislative action until January 2018.

“If you think health care is expensive now, wait until you use what it costs when it’s free.”  – P.J. O’Rourke

The Insurance Mom’s colleague, Michael Lujan (one of CA’s best-known expert insurance legislative analysts) offers this in his amazing post on LinkedIn:

Single Payer (SP) would:

  • Replace all forms of private and public health insurance in California with a state government-run health system.
  • Would eliminate an estimated half million insurance, health care administration and related jobs, tripling our current unemployment rate. And without payroll contributions going into the system, there will be no money to pay unemployment benefits.
  • Could make California a health care destination for anyone seeking “free healthcare” as neither citizenship, nor permanent residency is required to use the SP system.
  • Requires massive tax increases. The additional 15% payroll tax would make California the highest taxed state in the country.

If enacted, The Healthy California Act (SB 562) would be the largest tax increase in California’s history. The entire state general fund is $183 billion. As proposed, the bill would cost an estimated $400 billion for the initial year and unknown costs for subsequent years. While that may seem like a deal-killer, the bill moved forward to the State Assembly and should not be ignored (when it resurfaces in 2018).

While this bill may be dead in the water, single payer / universal healthcare / socialized medicine / Medicare-for-all have been floating around the brains of the public.  The Insurance Mom wants her kiddies well-informed about …

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May 11th, 2017

Are AHCA concerns making you sick? Pre-existing conditions and MacArthur and more….

Holy cow, folks!  What a crazy time for health insurance!

Politics aside, The Insurance Mom wants you to be really, totally clear about what’s happening in the wacky world of health insurance.

The first thing most clients ask me these days is about pre-existing conditions.  What if I have an illness before I buy health insurance?  What if my sick child loses coverage?  “What-ifs” all over the place!

All we can do right now is breathe.  We don’t know what’s going to happen with this bill (it’s not a law yet!).  But I did want to shed some light on the latest MacArthur Amendment.

The LA Times did an EXCELLENT article on just this issue here:  http://www.latimes.com/business/lazarus/la-fi-lazarus-gop-healthcare-macarthur-amendment-20170504-story.html

Here are a couple of excellent quotes… but the whole article is awesome.

“And it protects people with pre-existing conditions much as starving people may be welcome at a restaurant, but only if they order the most expensive dishes on the menu.”

“This much is clear: Republican lawmakers have provided a textbook example of how not to enact major legislation.  They’re aiming to radically overhaul the $3-trillion U.S. healthcare system yet have shunned the input of major stakeholders such as medical organizations, hospitals and patient-advocacy groups, which are uniformly against the measure.”

What do YOU think, my lovely peeps?  Do you believe everyone should help pay for the sick?  Did you like the old way of doing things before the ACA?  Do you benefit from Obamacare?  Do you hate Obamacare (aka ACA)?  Tell The Insurance Mom your every little thing!…

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March 13th, 2017

Is TrumpCare my Care??

The Insurance Mom is back to blogging after a very busy Open Enrollment!  Thank you to all our followers and lovely clients who sent along referrals.  We are very grateful for you!

 

It’s been an interesting end of 2016 and beginning of 2017.  With that, we are seeing a TON of proposed changes that could affect your health insurance.    But, we probably won’t know for quite some time.   Remember, it takes a while to un-law a federal law!

 

But what’s it all mean, Mom!?  My brain hurts with all the HSA, tax credits, tax penalties, cross-border, stuff!
Well, that’s why I’m here, sweetie!  To take your hand, and tell you to take a deep breath because it’s going to be a long time before we see any changes take places.  And so far, no one can seem to get close to agreeing what those changes will be.  Now that we’re all feeling a little better, let’s get back to our health insurance education.

 

Here’s a great article from the fabulous team at Vox which does great work at explaining things in a simple way.  But the gist is this… Trump proposes these things:

 

  1. Pre-existing conditions will not affected.
  2. The tax credit thing is going to change, likely based on age not income.
  3. Trump and the GOP really like Health Savings Accounts (HSAs).
  4. He wants to remove the plan restrictions.  So that whole metallic thing will likely go away and companies can design their own plans again.
  5. Trump is a little unclear about the Medicaid situation, but the GOP seems to want to decrease Medicaid enrollment.
  6. Trump would like to reduce costs of insurance and drugs.

 

Here’s the Insurance Mom’s takes on these things, by the numbers:

 

  1. Goodie.
  2. The GOP’s current proposal called the American
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