The Trumpcare Disaster: What it Means for Social Security Disability Claimants, and Why You Need the Best Social Security Disability Attorney

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The New York Times posted this opinion piece after the House narrowly passed the AHCA.  Many Social Security Disability claimants will be part of the millions of people that will lose health insurance if the AHCA is signed into law.

If you are one of these people, you should retain the best Social Security Disability attorney possible in order to increase your chance of winning disability benefits before your healthcare is cut.

 

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Protesters watched on Thursday as Republican members of the House started to head by bus to the White House to celebrate their passage of a health care bill. CreditGabriella Demczuk for The New York Times

The House speaker, Paul Ryan, and other Republicans falsely accused Democrats of rushing the Affordable Care Act through Congress. On Thursday, in a display of breathtaking hypocrisy, House Republicans — without holding any hearings or giving the Congressional Budget Office time to do an analysis — passed a bill that would strip at least 24 million Americans of health insurance.

Pushed by President Trump to repeal the A.C.A., or Obamacare, so he could claim a legislative win, Mr. Ryan and his lieutenants browbeat and cajoled members of their caucus to pass the bill. Groups representing doctors, hospitals, nurses, older people and people with illnesses like cancer opposed the bill. Just 17 percent of Americans supported an earlier version of the measure, and Republicans have made the legislation only worse since that poll was conducted. Neither Mr. Trump nor Mr. Ryan seemed bothered by this overwhelming criticism of their Trumpcare bill, the American Health Care Act. They seemed concerned only about appeasing the House Freedom Caucus, the far-right flank of their party.

Mr. Trump in particular has been spreading misinformation and lies about health care, arguing that the legislation would lower costs while guaranteeing that people with pre-existing health conditions could get affordable health insurance. It would do the opposite. Here is what the bill actually does:

Takes a machete to Medicaid. The bill would cut $880 billion over 10 years from Medicaid, the program that provides health care to about 74 million poor, disabled and elderly Americans. That’s one-fourth of its budget. As a result, 14 million fewer people would have access to health care by 2026, according to a C.B.O. analysis of the earlier bill, which contained similar Medicaid provisions. The cuts would also hurt special education programs, which receive about $4 billion from Medicaid every year.

Slashes insurance subsidies. It would provide $300 billion less over 10 years to help people who do not get insurance through employers and have to buy their own policies. This would hurt lower-income and older people the hardest. For example, a 60-year-old living in Phoenix and earning $40,000 would have to pay an additional $12,370 a year to buy a policy, according to the Kaiser Family Foundation. Many people who find themselves in this situation would have no choice but to forgo insurance.

How Would the Repeal of Obamacare Affect You?

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Eliminates the individual mandate. Many people hate that the A.C.A. requires people to buy health insurance or pay a penalty. But without the mandate, fewer younger and healthier people would buy coverage. This would lead to what health experts call a “death spiral” as insurers raise rates because they are left covering people who are older and sicker, leading to even more people dropping coverage. Eventually, companies could stop selling policies directly to individuals in much of the country.

Guts protections for people with pre-existing conditions. An amendment by Representative Tom MacArthur of New Jersey would allow states to waive the requirement that insurers sell policies to people with prior health problems and not charge them higher rates. The chief executive of Blue Shield of California said the bill “could return us to a time when people who were born with a birth defect or who became sick could not purchase or afford insurance.” Republicans say they will require that states with waivers offer high-risk pools and find other ways to help treat these people. The bill offers $138 billion over 10 years to help states pay for such programs. Experts say this is far too little; Larry Levitt of the Kaiser Foundation estimates it would take at least $25 billion a year.

Makes insurance less comprehensive. The bill would also let states waive a requirement under Obamacare that insurers cover a list of essential services. This means people in some places might not have access to maternity care or cancer treatment. This provision could also hurt people who get insurance through work, because federal regulations allow employers to opt into the rules of any state for the purposes of determining annual and lifetime limits on coverage, according to an analysis by the Brookings Institution.

Posted on: May 5, 2017 in News in Social Security Disability

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