So, we’ve wondered how much the new health care bill would affect those uninsured folks earning just too much to get subsidized care — about $30,000 for an individual. Would these folks be required to buy “Yugo health insurance”, or Minimum Creditable Coverage (MCC) in the lingo?
The committee resumed discussion of minimum creditable coverage (MCC), which dominated the meeting. There was acknowledgement that MCC plans will not be affordable for all people over 300% fpl (given that deductibles of at least $1,500 were proposed) and that affordability for individual mandate purposes will be a separate decision.
So, I read this as saying that they’re taking into account the fact that a high deductible is part and parcel of “affordability”. Indeed, being forced to pay for high-deductible insurance might deprive one of the money that you might spend on, say, a doctor’s visit. High-deductible insurance really has little or no preventative benefit, so I tend not to be too enthusiastic about it.
In other words, the Connector seems likely to decide that they will encourage the creation of relatively high-value plans, and require folks who can afford them to get them; while leaving other folks in the doughnut hole. On one hand it’s criminal to make people pay for crap coverage; on the other hand I think that’s a shame that many people are going to be left out of this supposedly “universal” coverage.
Now, WBUR’s indispensible Martha Bebinger did a nice report raising the prospect these folks would be required to buy high-deductible plans to the tune of $250 a month or so, but that’s distinctly not the impression I get from the folks at Health Care for All.