The headlines today shouted out warning of the collapse of Democrat Party unity on Obamacare because a few Senators have floated legislation that would require insurance companies to continue offering their existing healthcare plans to those already enrolled in those plans.
The bill, “Keeping the Affordable Care Act Promise,” put forth by Sen. Mary Landrieu (D-La.) (for herself and Mr. Manchin) and joined by Sen. Dianne Feinstein (D-Calif.) and Sen. Jeff Merkley (D-Ore.) would require insurance companies providing policies on the individual market to continue offering those existing health insurance plans through the end of 2013 to those currently enrolled in those plans.
The bill promotes the idea that consumers should be adequately informed as to how their insurance plan does not meet the requirements for a qualified health plan under the Affordable Care Act, while giving the enrollee the right to continue the plan. The bill attempts to create transparency in the system by requiring insurance companies to inform the holders of non-qualified health plans of their right to enroll in a qualified plan through an Exchange, along with instructions how to access the Exchanges. It also requires the insurance company to inform the consumer why their policy does not meet the requirements for a qualified health plan.
As headlines scream failure, and promote the idea the Affordable Care Act is crumbling, short, easy to read legislation such as this serve to strengthen and repair deficiencies. The bill submitted by Landrieu goes further than the bill promoted by those of the Republican party, “Keep Your Health Plan Act of 2013″ which is the equivalent of a simple demand, rather than a way to keep an ‘off-the-cuff” promise made by President Obama AND inform the consumer of their rights under the law.
Editor’s note: This is also has the delightful side effect of showing consumers just how badly they were getting ripped off the insurance companies. I’ll bet money the GOP will resist this with all their might. An educated population is dangerous to them after all…