Friday, January 18, 2019

Wisconsin Institute for Law and Liberty loves short term Junk Insurance policies, and a Desperate Public!!!

The Cap Times column, State Debate, pointed me to an article that was so nonsensical, that I just had to pass it along.

This represents the brain trust of right wing "fellows" at the lawsuit mill Wisconsin Institute for Law and Liberty (WILL). WILL has been furiously raising funds in preparation to challenge almost everything Gov. Evers and AG Josh Kaul will put forward as policy.

First up, Covering Preexisting Conditions: Perhaps WILL Research Director Will Flanders thought most readers would just give up and default to his bigger point about gladly buying junk insurance policies if he just wrote a bunch of words that sounded pretty darn official.

Let's look at the "institutes" case for short term junk insurance policies, a big part in Trump's health care reform plan. Democratic Gov. Tony Evers isn't buying into this horrific scheme:
Among the executive orders signed by Governor Tony Evers in his first week was a directive for DHS and DATCP to “provide recommendations on how to…. Protect against attempts to undermine the Affordable Care Act marketplace with short term plans that do not comply with Affordable Care Act requirements...” 
Flanders went on to explain why short term plans are nothing more than junk insurance policies that don't cover preexisting conditions:
Short-Term Limited Duration (STLD) healthcare plans were originally designed as a stop-gap measure for people who would be lacking insurance for (appropriately enough) a short time …Critically, such plans were exempted from many of the mandates of the ACA, including language on preexisting conditions...

Down the Rabbit Hole: To be clear, if you get sick while on a short term insurance plan, you are now strapped with a preexisting condition, and you can't get another short term policy. Again, Evers is against short term junk plans. 

But Flanders doesn't get that. In an incomprehensible word salad explanation, Flanders somehow ended up blaming Evers for "exacerbating the problem? I know, you've got to read it to believe it:
One result of placing greater limitations on such plans is that people may be left entirely without coverage options if they get sick while on a STLD … individuals who enroll in short term plans and get sick during that plan may not have coverage options when those plans come to an end. This serves to exacerbate the problem of uninsured that people like Evers purport to be so concerned about. 
Junk Insurance, a Necessary Evil: But wait, Flanders isn't done embarrassing himself. He still wants these junk policies in Wisconsin because...the "public is desperate." Of course they are, isn't that how we want people to feel? You can't make this sick stuff up:  
The second, and perhaps even more critical, problem is that limiting the time frame of these plans removes a viable healthcare option for Wisconsinites who may be struggling to afford insurance coverage. Short term plans represent a viable alternative for a public desperate for affordable options.

Rather than being concerned about protecting the viability of the ACA, let’s consider the healthcare needs of Wisconsin’s low- and middle income families, who perhaps don’t want or cannot afford Obamacare plans.
Note: Evers and Democrats aren't simply "protecting the viability of the ACA" for political reasons, they're trying to give everyone affordable access to health care short of universal care.  

Let's hope Evers tells the insurance commissioner and specifically Cari Lee at enforcement, to examine and negotiate lower rates in Wisconsin: 
Wisconsin’s’ average insurance premiums are among the highest in the nation in both urban and rural parts of the state.

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