Healthcare confusion is a good excuse to take care of yourself
The Short Version
After a party-line vote during a late-night session of Congress allowed for the complete dismantling of the Affordable Care Act, the non-partisan Congressional Budget Office, joined by Congress’ Joint Committee on Taxation, released a statement yesterday saying that repealing the healthcare law without a replacement would result in 18 million more uninsured Americans. However, that assessment was made on previous legislation. No new legislation has been submitted yet and the president-elect has promised “universal coverage.” With all the confusion, the best advice, for now, is to take care of yourself and not expect anything from Congress.
A Little More Detail
Congress scared a lot of people last week when it passed a bill changing the rules for repealing the Affordable Care Act. The vote was largely along party lines, 51-48, and came in the wee hours of Thursday morning while most Americans were sound asleep. At first, because a protective clause regarding pre-existing conditions and other coverage was removed from the nonbinding resolution, many people were under the impression that coverage for pre-existing conditions had been removed. It hadn’t. All the resolution did was make it easier for Congress to repeal existing healthcare legislation by allowing the Senate to pass such a bill with a simple majority rather than the 60 votes currently required.
Still, mention healthcare and one suddenly has the attention of millions of Americans who would not have any insurance coverage without the Affordable Care Act. So, the Congressional Budget Office and the Joint Committee on Taxation took a look at the last bill in which Congress attempted to repeal the Affordable Care Act and calculated the cost. Their determination was that should Congress follow a similar pattern and repeal the law without any replacement, insurance costs would soar and 18 million people who currently have coverage would lose it within the first year. Were no replacement offered, the number of uninsured Americans would swell to 56 million by 2026. One has to admit those are pretty scary numbers.
However, there is currently no serious bill before Congress that would gut the Affordable Care Act. At this point, the House of Representatives is still arguing over smaller, more petty details and the Senate is fully consumed in hearings for Cabinet appointees. Any omnibus bill that would completely repeal the Affordable Care Act with any hope of receiving the president’s signature is still several months away.
Add to that the promise of GOP leaders to retain the pre-existing condition coverage and the president-elect’s promise for universal coverage and the waters get even more muddy. If the incoming president is going to hold out for a replacement plan that covers everyone, then Congress has to dramatically alter its approach away from anything they proposed last year. This could potentially set the stage for disagreement between the president and congressional leaders, further delaying any kind of repeal and replace legislation.
At this point, there is absolutely no certainty of any kind as to how Congress might actually handle changes to the healthcare laws. The confusion is frustrating and leaves millions of Americans in limbo regarding long-term healthcare.
Time To Self-Medicate
Given all the confusion and uncertainty regarding the healthcare laws, doctors are taking a more cautious approach and advising patients to maintain current medication and to take more responsibility for their personal health where it is reasonable to do so. Here are some of the recommendations being offered:
- See your physician for a regular checkup, making sure prescriptions and treatment plans are up-to-date.
- Make sure all scheduled vaccinations are up-to-date.
- Maintain a healthy diet that is appropriate to both your age and physical needs. Not everyone should eat the same things.
- Stay active with an appropriate exercise plan that does not present a high level of risk.
- Avoid high-risk activities where possible. Now is not the time to undertake something that might leave one in need of long-term healthcare.
- Stay away from unproven forms of “alternative” medicines that could complicate healthcare.
- Those in high-risk categories, such as the very young and very old, should avoid contact with highly infectious environments and limit some public activities during high-risk seasons.
In short: don’t get sick. There is no promise that anyone will be covered for any form of healthcare in the future, regardless of what Congress and the president-elect might say. Â Taking responsibility for your own healthcare and that of your children is something we all should be doing anyway. It probably doesn’t hurt to start a savings account to use in the event of a medical catastrophe, such as a car accident or a rabid squirrel attack if you can afford to do so.
We’ve not lost everything yet, but to the degree we can prepare for the worst we are better off.
Wednesday, January 15, 2025
You Can Die If You Want To.
Zero. As I type this morning, that’s how many degrees of warmth we have in Indianapolis. Zero. Granted, the US still uses the Fahrenheit scale so we’re not talking about absolute zero, in which case I would have kept the kids home from school and the dogs would just have to hold everything until later this morning. As it is, I made sure children were well-layered, capped, and gloved before they walked out the door with what I hope is sufficient warning about the amount of ice everywhere.
G has a visit to the state house scheduled for today, something to do with entrepreneurship and economics. I’m hoping his trip is interesting and educational. If not, be sure that his review will be more scathing than anything I might write. The child has no filter and is not shy about expressing his viewpoint. The same goes for a couple of his school friends. I’m not sure the airheads in the state legislature are ready for what’s about to hit them this morning.
Like many states, Indiana does most of its law-making during the first two months of each year. There simply isn’t enough going on to justify longer terms in most states, and governors always have the ability to call a special session if an emergency pops up. So far, there are 503 bills introduced to the state senate and 519 bills in the state house. If that sounds like a lot, don’t worry too much. In previous years, fewer than fifty bills actually make it to the governor’s desk for signing. Some are combined, but most are dropped because they are, in a word, stupid.
For example, Senate Bill 364 and House Bill 1335 both lack any understanding of real-world science. The bill “Prohibits a person who has the intent of affecting the intensity of sunlight, temperature, or weather from discharging a chemical or apparatus into the atmosphere, except in certain circumstances.” That’s right, folks, they’re outlawing chemtrails and weather manipulation machines because Indiana science education has failed that badly.
Senate Bill 35 requires that “each school corporation, charter school, and state accredited nonpublic elementary school to include print handwriting, cursive handwriting, and spelling in its curriculum.” Because, you know, this generation does so much handwriting.
Here’s a fun one. Senate Bill 11 proposes that “a social media operator [to] restrict a minor user’s access to social media without first obtaining verifiable parental consent for the minor user. Defines a “minor user” as an individual who is less than 16 years of age. Establishes a civil cause of action to allow a parent or legal guardian of a minor user who accesses social media without verifiable parental consent to bring a suit against the social media operator. Allows any person to bring an action for injunctive relief against a social media operator if the social media operator fails to implement a verifiable parental consent method. Allows the attorney general to: (1) bring an action against a social media operator that fails to implement a verifiable parental consent method; and (2) issue a civil investigative demand if the attorney general has reasonable cause to believe that any person is engaged in a violation. Creates a civil cause of action if a minor user is subject to social media bullying.” I get that online bullying is a problem, but this isn’t the answer.
House Bill 1170 eliminates gun-free safe zones. Heaven forbid there be anywhere that Second Amendment nut jobs can’t get to you.
House Bill 1008 wants to adjust the Indiana/Illinois state line. Damn good thing we don’t border Greenland.
Senate Bill 286 makes it illegal to wear a mask at a public assembly. Let’s all just get sick and die.
House Bill 1231 requires the display of the Ten Commandments in all schools. Because iron-age mythology makes more sense than science education.
There’s plenty more to read through if you have absolutely nothing better to do with your day. The greater majority of bills are housekeeping details that keep everything funded and running. Most bills won’t see the light of day, especially if they encounter any serious pushback.
One bill I was surprised to see but wholly support is House Bill 1011 which would allow for end-of-life options. Specifically, “Allows individuals with a terminal illness who meet certain requirements to make a request to an attending provider for medication that the individual may self-administer to bring about death. Specifies requirements a provider must meet in order to prescribe the medication to a patient. Prohibits an insurer from denying payment of benefits under a life insurance policy based upon a suicide clause in the life insurance policy if the death of the insured individual is the result of medical aid in dying.” Given the state’s stance on abortion, I don’t expect this bill to make it out of committee, if it even gets that far.
Right-to-die legislation makes far too much sense for an aging population where up to 4 in 10 people could develop dementia after 55. Anyone who has witnessed a loved one slowly, painfully, withering away, not knowing where or who they are, understands the level of mercy this type of legislation shows. Republicans don’t understand compassion or mercy, though, and they’re sorely lacking in common sense, so don’t expect this one to hit the governor’s desk.
I can’t overemphasize that most of the bills proposed in this state legislature or anywhere else will ever actually come up for a vote in any form. State legislators like to act all big and grandiose as they introduce their insipid little bills, but rarely does anyone actually give a shit. For that matter, rarely does anyone even know who they are. I’ve often wondered if someone could walk into the chamber wearing a suit with a flag lapel pin and just start talking. Would anyone know the fucking difference?
States are likely to become the front line of the Felonious Punk’s agenda because it will be easier to pass ridiculous legislation in state houses than it is at the federal level. State legislators tend to be an empty-headed sanctimonious lot that relishes any attempt to garner favor at a federal level. Watching them genuflect to a convicted felon and rapist makes me want to puke.
Meanwhile, LA is still on fire and celebrities don’t want you to forget about them. There are photo ops everywhere.
What matters most is that we all are warm and safe and that there’s more coffee in the pot.
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