{"id":8710,"date":"2013-11-14T05:13:38","date_gmt":"2013-11-14T13:13:38","guid":{"rendered":"http:\/\/cahighways.org\/wordpress\/?p=8710"},"modified":"2013-11-14T08:03:20","modified_gmt":"2013-11-14T16:03:20","slug":"keeping-your-insurance","status":"publish","type":"post","link":"https:\/\/cahighways.org\/wordpress\/?p=8710","title":{"rendered":"Keeping Your Insurance"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-5023\" alt=\"userpic=progenitorivox\" src=\"https:\/\/cahighways.org\/wordpress\/wp-content\/uploads\/2011\/12\/userpicprogenitorivox.jpg\" width=\"100\" height=\"93\" align=\"right\" hspace=\"5\" vspace=\"5\" \/>A quick morning post before I get off to get ready for work&#8230; I&#8217;m seeing a number of people advocating that people should be able to keep their insurance, just as the President promised. <a href=\"http:\/\/blog.sfgate.com\/nov05election\/2013\/11\/12\/dianne-feinstein-joins-bill-to-change-affordable-care-act\/\">Dianne Feinstein (D-CA) is working with Mary Landreau to get a bill passed to modify the ACA to let people keep their grandfathered policies as long as the companies choose to offer them<\/a>. This worries me, and here&#8217;s why.<\/p>\n<p>First, the finances of the ACA are a delicate balancing act. In order to be able to cover pre-existing conditions, preventative care, maternity needs, etc., the insurance companies need sufficient bodies in each pool. If people stay in their lower-cost policies that don&#8217;t cover those areas, the pools may not balance &#8230; and there may be financial problems in the long run.<\/p>\n<p>Second, this provides no guarantee people can keep their policies. Insurance companies can still decide they don&#8217;t want to offer those low cost polices, and there&#8217;s nothing Congress can do about it. Congress cannot dictate what plans a company must offer, only the minimum coverage for new plans.<\/p>\n<p>Thirdly, it does nothing for people who want those low-cost plans. Insurance companies will still not be allowed to enroll new people in the plans that don&#8217;t meet the minimums. Thus, slowly over time, the number of people in the grandfathered plans will diminish making them economically not-viable, resulting in the cancellation of those plans.<\/p>\n<p>Just something to think about. Now off to the showers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A quick morning post before I get off to get ready for work&#8230; I&#8217;m seeing a number of people advocating that people should be able to keep their insurance, just as the President promised. Dianne Feinstein (D-CA) is working with Mary Landreau to get a bill passed to modify the ACA to let people keep <a class=\"more-link\" href=\"https:\/\/cahighways.org\/wordpress\/?p=8710\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[13],"class_list":["post-8710","post","type-post","status-publish","format-standard","hentry","category-rant","tag-medical"],"_links":{"self":[{"href":"https:\/\/cahighways.org\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/8710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cahighways.org\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cahighways.org\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cahighways.org\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cahighways.org\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8710"}],"version-history":[{"count":2,"href":"https:\/\/cahighways.org\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/8710\/revisions"}],"predecessor-version":[{"id":8712,"href":"https:\/\/cahighways.org\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/8710\/revisions\/8712"}],"wp:attachment":[{"href":"https:\/\/cahighways.org\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cahighways.org\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cahighways.org\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}