Health Insurance Reform? Not Until 2018. Say It Ain’t So. Crap – It is so. Read and Learn
But how else are we to interpret this?
Existing group plans would have to transition to QHBP standards by 2018. Existing nongroup insurance policies would be grandfathered as long as there are no changes to the terms or conditions of the coverage (except as required by law), including benefits and cost-sharing. Such policies would be required to meet other conditions, including increasing premiums only according to statute. In addition, the Education and Labor version would shorten the current federal allowance for pre- existing health conditions exclusions (from 12 months to 3 months for most individuals) effective 6 months after enactment of the bill, and applicable until such time that federal standards eliminate exclusions for pre-existing health conditions. Special rules would apply to health plans subject to collective bargaining agreements.
Page 8, Congressional Research Service report, July 27, 2009
The length and obfuscation in the now commonly referred to Health Insurance Reform legislation, after reading most of it, does a great job hiding the fact that this is a huge windfall for the insurers. Not unlike the Bank Credit Card Reform. Reform in name only, at a huge price to the American Folks. Shameful.
INVITATION: Using copy/paste from a bill, can you disprove the above?
For clarifcation, QHBP is defined as:
(19) QHBP OFFERING ENTITY.—The terms 3
‘‘QHBP offering entity’’ means, with respect to a 4
health benefits plan that is— 5
(A) a group health plan (as defined, sub-6
ject to subsection (d), in section 733(a)(1) of 7
the Employee Retirement Income Security Act 8
of 1974), the plan sponsor in relation to such 9
group health plan, except that, in the case of a 10
plan maintained jointly by 1 or more employers 11
and 1 or more employee organizations and with 12
respect to which an employer is the primary 13
source of financing, such term means such em-14
(B) health insurance coverage, the health 16
insurance issuer offering the coverage; 17
(C) the public health insurance option, the 18
Secretary of Health and Human Services; 19
(D) a non-Federal governmental plan (as 20
defined in section 2791(d) of the Public Health 21
Service Act), the State or political subdivision 22
of a State (or agency or instrumentality of such 23
State or subdivision) which establishes or main-24
tains such plan; or 25
(E) a Federal governmental plan (as de-1
fined in section 2791(d) of the Public Health 2
Service Act), the appropriate Federal official. 3
pages 12 and 13
Does that clear things up for ya? Good Grief!