Health Care Blog
Yes, You Can Keep Your Health Plan
Posted by on May 18, 2010 at 4:18 PM EDTThe Wall Street Journal published an op-ed today charging that the Affordable Care Act will prevent people from keeping their current health plan and limit their choices. However, this ignores the realities of health reform.
First, the 150 million Americans with employer-sponsored health insurance—who make up the vast majority of those with private health insurance today—will not see major changes to their coverage. For this group, the Act does include some important protections and enhancements, such as coverage for young adults up to age 26 and the elimination of annual limits on covered health costs. However, at the end of the day, employer-sponsored insurance will be improved but still look much the same as it does now.
Second, I agree with the WSJ op-ed that the Affordable Care Act’s biggest changes will be for the individual market, but with the opposite conclusion. The fact of the matter is that the individual market does not work well now—it features high prices and not enough choice, and too many Americans are left with poor or no health insurance because of this. The Affordable Care Act establishes minimum standards for health plans; creates transparent and competitive markets from which consumers can buy insurance; and helps those who can’t afford insurance coverage to purchase it.
A key point to remember is that while the Act makes many changes to the individual market, it specifically allows those who want to keep their current insurance to do so. Most of the Act’s protections apply only to new policies, allowing people to stick with their current plan if they prefer. It is true that a few protections apply to all plans, both new and old, but these protections—like limiting the share of premiums that insurers can devote to administrative costs—are designed to help consumers and cut health care costs.
The bottom line is that the Act allows people to keep the insurance they have, while also providing more and better options for all.
Stephanie Cutter is Assistant to the President for Special Projects
Learn more about Health CareEncouraging Asian Americans and Pacific Islanders to Talk About HIV/AIDS
Posted by on May 18, 2010 at 9:42 AM EDT"Saving face can't make you safe. Talk about HIV" is the theme for tomorrow's sixth annual observance of National Asian and Pacific Islander HIV/AIDS Awareness Day. I am an Asian American who has seen the stigma and silence around HIV in my community, so this theme and the day itself have particular meaning for me. On this important occasion, I want to acknowledge all the communities and organizations around the country working to break that silence and address the impact of HIV on the diverse set of people who make up our nation’s Asian American and Pacific Islander (AAPI) communities.
The number of HIV/AIDS cases among AAPIs may be higher than reported because of underreporting or misclassification of Asian Americans and other Pacific Islanders. Many AAPIs in the United States experience cultural, economic and language barriers that contribute to discrimination and make HIV prevention, care, and treatment efforts even more challenging.
This is a time to acknowledge these challenges and expand the use of culturally appropriate solutions. As the lead organizer of National Asian and Pacific Islander HIV/AIDS Awareness Day, the Banyan Tree Project as well as many other organizations have been working to create and share resources, plan local events and reduce HIV/AIDS-related discrimination and stigma in AAPI communities.
Learn more about , Health CareHealth Care Reform Questions Answered via Twitter
Posted by on May 17, 2010 at 7:11 PM EDT
Earlier today, Nancy-Ann DeParle, the Director of the White House Office of Health Reform answered some questions via the @WhiteHouse account on Twitter that were posed by a popular blogger, Heather Armstrong (aka @Dooce). During the interview, Nancy-Ann also answered a question from someone else who chimed in.The interview covered pre-existing conditions, high-risk pools, health care tax credits for businesses and other important parts of the health care law. To learn even more, check out what health care reform means to you.
Here's a play by play of the questions:
Nancy-Ann DeParle is going to use @whitehouse to answer some of @dooce's #healthreform questions - ready now: http://twitpic.com/1op05q
Learn more about Health CareTax Credits are First Step in Health Insurance Reform for Small Businesses
Posted by on May 17, 2010 at 9:00 AM EDTToday, the Treasury Department is releasing more details on the ways small businesses will benefit from health insurance reform. Rising health care costs have been the biggest concern for small businesses for decades. But as a result of the Affordable Care Act, we are already putting in motion steps that will reform the health insurance system so it works for small businesses, rather than strap them with continually rising costs.
One of the many ways the new law is helping small businesses is through tax credits starting this year. These credits will help small business owners provide health insurance to their workers – by giving back up to 35 percent of the employee premiums they pay starting this year. Just as important, today’s announcement made clear that small businesses may receive state health care tax credits and still qualify for a federal tax credit. In addition, today’s announcement clarifies that dental and vision coverage qualify for the credit.
With this announcement today, I’m reminded of a woman small business owner I met in New Jersey last summer. She said to me that the day she was able to provide health insurance for her staff was the day she knew she was a success. But rising costs forced her to cut back on the coverage and even put her at risk of not being able to provide coverage at all for her employees. That’s why these tax credits are so important. It will mean she and countless other small business owners across the country can do what she thinks is best for her employees and for her business.
An estimated 4 million small businesses may qualify for a credit, which will provide about $40 billion in tax relief over the next 10 years. Already, the IRS has sent out millions of postcards to small business owners connecting them with tools to help them to determine their eligibility for a federal tax credits this year.
In 2014, the maximum tax credit will increase from 35 to 50 percent and small business owners will also have the chance to access affordable plans through health insurance exchanges. These exchanges will be a marketplace where small businesses can pool their risk together and spread it more broadly, while reducing their administrative costs.
It’s important to note that the Affordable Care Act also will help small businesses in other ways.
For example, rules will prohibit insurance companies from dramatically increasing premiums for a small business just because one worker gets sick. Also, by outlawing discrimination based on pre-existing conditions, the Affordable Care Act will make it easier for small businesses to compete for quality workers, as well as allow more Americans to break out of “job lock” and start their own business. Read more benefits of the Affordable Care Act for small businesses here.
Overall, the Affordable Care Act will provide entrepreneurs and small business owners with lower costs and more tools to provide health insurance for their employees, whom they often think of as members of their own family. We owe them nothing less as they work to grow, create jobs, and lead us toward full economic recovery.
Karen Mills is Administrator of the Small Business Administration
Learn more about Health CareAffordable Care Act Implementation Update
Posted by on May 14, 2010 at 2:22 PM EDTWith the passage of the Affordable Care Act, President Obama and his team have turned to the next big task: implementing the new law, making reform a reality and ensuring consumers have control of their health care, not big insurance companies. We’ll be doing this through providing better choices for consumers, lowering costs for everyone, and holding insurance companies accountable. Earlier this week, Secretary Sebelius sent a letter to Congressional leaders about our efforts to implement the new law, but we want to ensure you know about the work we’re doing, so in addition to our usual efforts to answer your questions and pass on important information, we will be providing regular updates here on the White House blog.
Some of the highlights of our work include:
Coverage for Young Adults
This week we released new regulations that will allow young adults who don’t get insurance at work to stay on their parents’ health insurance plan until they turn 26. This policy goes into effect in September, but our Administration has called on leading insurance companies to implement the new law and begin covering young adults now. We’re pleased that more than 65 of the nation’s leading insurance companies have agreed to do just that, along with a host of large employers across the nation. Learn more about this policy and how you and your family can get covered here.Supporting Early Retirees
Earlier this month, the Department of Health and Human Services issued rules for the new early retiree reinsurance program. This program offers $5 billion to employers so they can more easily give benefits to their retired workers who are not eligible for Medicare health benefits. High health care costs have made it increasingly difficult for employers to offer benefits to their retirees and Americans who retire early and aren’t eligible for Medicare often pay high prices for coverage or simply go uninsured. Now, this program will make it easier for employers to honor their commitments to the workers that helped their businesses succeed. We’re especially pleased that this program will get started early. The law calls for this program to be established by June 21, but we have worked to ensure the benefits of this program kick in on June 1. You can learn more about the program here.Fighting Fraud
The Affordable Care Act includes significant new tools that will help fight fraud and protect taxpayer dollars. On Thursday, Secretary Sebelius and Attorney General Holder discussed our Administration’s work to fight fraud using the tools provided by the Affordable Care Act. Sebelius and Holder also released the annual Health Care Fraud and Abuse Control Program (HCFAC) Report, which found that in fiscal year 2009, our work to crack down on fraud brought $2.51 billion to the Medicare Trust Fund, a $569 million, or 29 percent, increase over FY 2008. You can watch the announcement and learn more here.Lowering Premiums
The President’s team has also continued to fight high health insurance premium increases. Months ago, the Administration spoke out when Anthem BlueCross, a WellPoint company proposed raising rates by as much as 39 percent. Now, after an investigation found that the company’s justification for those increases was based on “miscalculations,” HHS Secretary Sebelius has called on states to examine other WellPoint rate increases to see if they were also based on flawed data. Several states are investigating.We’re also working closely with the National Association of Insurance Commissioners (NAIC) to implement new rules that require insurance companies to be more efficient and spend more of your premium dollars on medical care, not overhead, CEO salaries and other expenses. We’ve asked the NAIC to complete its work on the “medical loss ratio” policy by June 1, rather than the December deadline included in the law and we’ll continue to monitor insurance companies and speak out if they try to force unjustified rate increases on their customers.
Be sure to check the blog regularly for more information about how the Affordable Care Act is being implemented and strengthening the health care system for all Americans.
Stephanie Cutter is Assistant to the President for Special Projects
Learn more about Health CareThe Role of Public Private Partnerships in the National HIV/AIDS Strategy
Posted by on May 13, 2010 at 4:04 PM EDTToday, the White Office of National HIV/AIDS Policy (ONAP) engaged the business community, private foundations, and the HIV/AIDS community to begin a dialogue on how to improve the role of public private partnerships as our office develops the National HIV/AIDS Strategy (NHAS). As a former director of a community based organization in Puerto Rico, I know that public private partnerships can mean the difference between continuing to provide life enhancing service or closing up shop.
Today's panelists included: Kandy Ferree, National AIDS Fund, President; Nancy Mahon, MAC AIDS Fund, Executive Director, North American Programs; Anthony Hooper, Bristol Myers Squibb, President Americas; Karen Davis, Hasbro, Hasbro Inc., Vice President Community Relations; David McMurry Chevron Global HIV/AIDS Policy Implementation Senior Manager; Louis O. Spraggins, Positive Charge, Chicago; Joe Kimbrell, Louisiana Public Health Institute; and Tom Luce, National Math and Science Initiative.
An important factor in the development and implementation of the NHAS is ONAP’s effort to broaden the reach of the national conversation on HIV/AIDS. Part of that effort involves starting a conversation on the role partnerships between government, private sector foundations, corporations, national HIV/AIDS advocacy and community-based service organizations that are working on the front lines of the HIV epidemic. Today’s panel, moderated by Melody Barnes, Director of the Domestic Policy Council, began the Administration’s conversation of the role of such partnerships in the fight against HIV/AIDS.
Sonal Shah, Director of the Office of Social Innovation and Civic Participation helped frame the panel discussion in her opening remarks. Sonal shared her ample experience in guiding the development of public private partnerships in other areas, most notably the Administration’s “Educate to Innovate, Campaign for Excellence in STEM” (public private partnerships in science, technology, education) which serves as an Administration model for building public private partnerships.
The panel highlighted the importance of the business community, private national funders, and the HIV/AIDS service and advocacy communities in collaborating in the development of public private partnerships. The participants highlighted current programs being funded by the private sector, which directly align with the goals, and objectives the President outlined for the National Strategy. The event also recognized the efforts of national AIDS organizations and community-based partners as they work collaboratively to increase access to lifesaving care.
Moving forward, our office will seek to encourage the development of public private partnerships that bring to bear new resources and expertise for the populations and communities most affected by HIV/AIDS in the United States. It will take innovative leadership from these key stakeholders to effectively address the three pillars of the NHAS – Reducing Incidence, Increasing Access to Care and Reducing Health Disparities.
ONAP has stressed that the work of the NHAS does not fall to the Federal government alone. Success will require the commitment of all parts of society; including people living with HIV, state and local governments, corporate America, faith communities, highly affected communities, philanthropy, and others. ONAP and the Obama Administration have been clear to say that the presence, of a National HIV/AIDS Strategy alone, will not effectively address the domestic HIV/AIDS epidemic. The NHAS must have clear goals, measurable outcomes and meaningful opportunities for broad, and importantly engagement across sectors.
James Albino is the Senior Program Manager in the Office of National AIDS Policy.
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