Renewable Term Health Insurance: Better Coverage Than Obamacare

By Chris Pope
The Manhattan Institute, May 16, 2019

Short-Term Limited-Duration Insurance (STLDI), which is exempt from ACA rules, survived as a viable competitive market, offering health coverage priced in proportion to individuals’ risks. But it has been disparaged as “junk insurance” that fails to cover adequate provider networks, offers only catastrophic coverage, makes essential benefits unavailable, helps only young and healthy individuals, undermines protections for those with preexisting conditions, and causes premiums for plans on the ACA’s exchange to soar. This study of the STLDI market finds that each of these claims is false. For equivalent insurance protection, the premiums for STLDI plans are lower than—in some cases, almost half the cost of—premiums on the exchange. The savings to be gained from switching to STLDI are even greater for more comprehensive insurance coverage. […]

‘Medicare for All’ Isn’t Medicare

By Robert C. Pozen
The Wall Street Journal, May 1, 2019

More than 100 House Democrats have endorsed Rep. Jayapal’s Medicare for All Act of 2019. Fourteen Democratic senators have co-sponsored a similar bill from Sen. Bernie Sanders (I-VT). The title is deeply misleading. It implies that the current Medicare system would be extended […]

How Medicaid Expansion is Crowding Private Insurance

By Jonathan Ingram and Nicholas Horton

Foundation for Government Accountability, April 11, 2019
Expanding Medicaid in the remaining non-expansion states would crowd millions of able-bodied adults out of private insurance and shift them into taxpayer-funded Medicaid. In fact, nearly two-thirds of these adults either have private coverage already or have access to very low-cost coverage through the ObamaCare exchange. Even worse, this expansion could also shift more than one million kids who currently have private insurance into Medicaid. Ultimately, ObamaCare’s Medicaid expansion means taking resources away from those who truly need Medicaid in order to fund a welfare expansion for those who already have private coverage. […]

If The Court Strikes Down Obamacare, How Bad Would That Be?

By John C. Goodman and Linda Gorman
Forbes, April 3, 2019

The Trump administration has decided to challenge the constitutionality of Obamacare in court. Some Republicans in Congress and even some in the administration resisted this decision. Critics assume that if there is no Obamacare, we would revert to the pre-Obamacare health system. If so, how bad would that be? […]

Conservatives Take on ‘Credibility Gap’ on Health Care, Push Localized Reform

By Tyler O’Neil
PJ Media, April 3, 2019

On Wednesday, conservative policy leaders met with reporters to discuss the framework for Republican health care reform. The policy experts admitted that Republicans start with a “credibility gap” on health care but argued that limited government approaches will better achieve the goals of driving down costs, providing more options, and helping the most vulnerable obtain health insurance. […]

An Easy, Free Way to Lower Health Care Costs for Millions of Americans

By Dr. Lee Gross
The Hill, Jan. 13, 2019

In October, the Trump administration proposed a new rule that would expand the ways employers can use health reimbursement arrangements (HRAs) to provide their employees with high-quality, low-cost health coverage. The Treasury Department estimates that 800,000 employers would take advantage of HRAs, which could affect […]

Helping States Develop Innovative Alternatives to Obamacare

By CMS Administrator Seema Verma
The Washington Times, Jan. 15, 2019

No matter what you think about the ACA—whether you supported President Obama’s signature health care law or opposed it—the facts show that individual health insurance markets across the country have been struggling. Federal law might be hard to change in Washington, but states can take advantage of flexibility […]

Why a Judge Ruled Obamacare Unconstitutional, and What Policymakers Should Do Next

By Marie Fishpaw and John Malcolm

The Heritage Foundation, December 17, 2018

U.S. District Judge Reed O’Connor, a George W. Bush appointee, granted a motion for summary judgement in favor of 20 states led by Texas that had filed a lawsuit seeking to strike down the Affordable Care Act last Friday. Now that O’Connor has ruled, the losing side is sure to appeal to the 5th Circuit, and ultimately the Supreme Court. But the legal fight aside, we need a better health care solution than Obamacare. […]

Direct Primary Care Can Rein in America’s Out-Of-Control Healthcare Costs

By Lee S. Gross
The Washington Examiner, Dec. 6, 2018

A membership-based primary care model, known as “direct primary care,” provides patients with a set number of health care services in exchange for a flat monthly fee. In exchange for that fee, they offer a range of services, often including physical exams, EKG testing, strep and urine testing, blood-thinner monitoring, minor surgical procedures, joint injections, generic drugs, and more. […]