📣 NEW: PREPARE THYSELF: It may be in fits & starts, but #ACA2.0 *is* happening:
acasignups.net/21/03/15/prepa…
Four years ago I posted my (now sorely outdated) list of 20 changes to the #ACA I'd make If I Ran The Zoo (yes, I understand how awkward that title is at the moment): acasignups.net/18/02/12/updat…
In January, Sen. @MarkWarner introduced his Health Care Improvement Act which includes many of the same provisions: warner.senate.gov/public/index.c…
In February, @SenatorBennet & Sen. @TimKaine re-introduced their Medicare X bill...which includes many of the same provisions: bennet.senate.gov/public/index.c…
And last week, via @AmyLotven, @SenatorShaheen introduced her Improving Health Care Affordability Act: shaheen.senate.gov/news/press/sha…
Over the past few years there've been several other variants of these bills as well, such as Sen. @EWarren's Consumer Health Insurance Protection Act... warren.senate.gov/newsroom/press…
...and of course, my PERSONAL favorite, Rep. @RosaDeLauro & @RepSchakowsky's "Medicare for America" Act: acasignups.net/20/04/10/reall…
HOWEVER, of all of these (and several others), I suspect that the bill most likely to actually get passed through the House *and* Senate over the next 2 years is @SenatorShaheen's just-introduced #S499: The Improving Health Care Affordability Act.
#S499 is similar to @RepUnderwood's #H369: It doesn't tackle everything on the #ACA2.0 wish list at once, but what it DOES do is vitally important:

1. *Permanently* #KillTheCliff
2. *Permanently* #UpTheSubs
3. Upgrade #SilverToGold
4. Upgrade #CSRto400
5. Formally *fund* #CSR
The best part about #S499 is that the first four items would be mostly FUNDED by...the fifth.

That's right: It would fund CSR payments which would, ironically, SAVE $200 BILLION+ DOLLARS over the next decade. Which would in turn be used to mostly pay for the beefed-up subsidies.
As @amylotven notes, this would bring #SilverLoading to an end...but that's OK. Silver Loading mainly serves as an hoc, partial solution to the same issues.

I've promoted Silver Loading for years, but if this bill is passed, it'd no longer be necessary.
insidehealthpolicy.com/daily-news/sen…
Honestly, of all the wish list items which AREN'T included in #S499, the only one which I really wish it had included is fixing the #FamilyGlitch. It'd open #ACA subsidies to several million more people who were supposed to be eligible in the first place.

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More from @charles_gaba

16 Mar
Powerful. I’m reminded of @ZachWahls famous speech a decade earlier.

The part at the beginning about people “not getting it” also reminds me of something I seem to recall @GovHowardDean saying when he signed the first civil union bill into law (I could be getting this wrong):
As I recall, he said something along the lines of “Lots of people say they’re not comfortable with same-sex couples; I’m not sure I’m entirely comfortable with it either, but it’s not my job to be comfortable, it’s my job to do the right thing.”
Read 4 tweets
15 Mar
Absolutely agree. However, pretending that partisanship hasn't *directly* & *massively* impacted policy decisions is just as bad as "hoping the other side dies".

The Trump Admin decided it would be fine to downplay the pandemic because it would be "relegated to Dem states." 1/ Image
Once that was set by Trump, most GOP officials started parroting it & the die was cast.

Health officials track COVID based on geography, pop. density, age, gender, race, ethnicity, socioeconomic levels, etc.

"Partisan lean" SHOULDN'T have to be on that list...but it is now. 2/
Having said that, even if you don't care if MAGA dies of COVID on a pure human/decency level, you should still want them to get vaccinated if only because it'll take longer to reach herd immunity (especially for those who *can't* get vaccinated for medical reasons) otherwise.
Read 4 tweets
15 Mar
📣🎉 THREAD: Now that the #AmRescuePlan is official, how much will YOU save w/the expanded #ACA subsidies? 1/ acasignups.net/21/03/14/new-h…
📣 Under the #AmRescuePlan, #ACA enrollees who ALREADY receive financial subsidies will see *extra* savings of up to $3,000/year or more on avg....

...and enrollees who AREN'T currently eligible for subsidies would see savings of up to $17,000/year or more. That's not a typo. 2/ Image
📣 Expanded #ACA subsidies under the #AmRescuePlan are *retroactive* to the beginning of 2021, which means *current* enrollees will receive the extra subsidies dating back to Jan 1! They may be applied to future premiums *or* as part of a tax refund next year. 3/
Read 13 tweets
15 Mar
📣📣 $80,000 worth of bullsh*t: The #AmRescuePlan spends 1/10th (or less) as much per enrollee as the media has claimed:
acasignups.net/21/03/15/80000…
I realize most people won't slog through the entire post, but I strongly urge folks to do so & to share widely...especially this summary which simplifies things as much as possible.

TL;DR: CBO score of the House version: $46.5B to subsidize 14.2 million people. Image
The $6.3B in "clawback waivers" have nothing to do w/subsidizing healthcare coverage in 2021/beyond, since recipients get to keep that $ whether they enroll in coverage in the future or not...it's effectively just an additional "direct payment" for several million people.
Read 4 tweets
15 Mar
This is PRECISELY why extending the 8.5% cap on health insurance premiums all the way up the income ladder makes sense even if it means rare cases of fairly well-off people receiving nominal subsidies. Image
Whoops..here’s where this came from:
For instance, on average nationally, a 64-yr old couple earning $270,000/yr would receive...$7 per month. Of course the vast majority of those folks have employer coverage to begin with. Plus, they’re already paying more than that in surtaxes to help pay for the subsidies anyway. Image
Read 4 tweets
14 Mar
📣 HEALTHCARE TWITTER: Does anyone happen to know how much excess #ACA APTC subsidies were clawed back by the IRS in *prior* years, and how many enrollees/households it was clawed back from? Thanks!
I know the CBO is projecting the waiver of the 2020 clawback included in the #ARP to be around $6.3 billion, but they don't indicate how many policyholders/enrollees would get to keep the excess subsidies. I'm trying to get an idea based on prior yearly data.
This is from 2015, but it probably doesn't have much relevance for 2020 due to premium and enrollment changes since then: khn.org/news/for-many-… Image
Read 5 tweets

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