Health Care Control for All

For those who think that the health care plans being debated by Congress will not affect you if ObamaCare goes through, you are mistaken.

After all, we have all heard President Obama tell us that if like our health care plan, we can keep it. While this is true on a semantic level, on a paperwork level, the government will tell your health insurance company what all plans can and must include.

From the latest version of the health care bill passed by the U.S. House of Representatives (H.R. 3926):

Sec. 201: On or after the first day of Y1, a health benefits plan shall not be a qualified health benefits plan under this division unless the plan meets the applicable requirements of the following subtitles for the type of plan and plan year involved:
4 (1) Subtitle B (relating to affordable coverage).

Sec. 221 A qualified health benefits plan shall provide coverage that at least meets the benefit standards adopted under section 224 for the essential benefits package described in section 222 for the plan year involved.

This means that a health care plan will not be considered qualified unless it meets requirements that will be decided upon later. While we have no idea what will actually be covered by health insurance plans, we do know that your plan will be "average."

Sec. 222. In this division, the term ‘‘essential benefits package’’ means health benefits coverage, consistent with standards adopted under section 224, to ensure the provision of quality health care and financial security, that—

(5) is equivalent in its scope of benefits, as certified by Office of the Actuary of the Centers for Medicare & Medicaid Services, to the average prevailing employer-sponsored coverage in Y1.

In order to carry out paragraph (5), the Secretary of Labor shall conduct a survey of employer-sponsored coverage to determine the benefits typically covered by employers, including multiemployer plans, and provide a report on such survey to the Health Benefits Advisory Committee and to the Secretary of Health and Human Services.

After all, average is fair. We can't have people buying "cadillac" plans when others can only afford to buy, or their employers can only support, Kia plans. You won't mind sacrificing on medical care coverage for your family, will you?

Sec. 224 Not later than 18 months after the date of the enactment of this Act, the Secretary (of Health and Human Service) shall, through the rulemaking process consistent with subsection (a), adopt an initial set of benefit standards.

But, Obama told us we can keep our plan! Where does it say that it will change?

Right here:

Sec. 241 The Health Commissioner shall...promote accountability of Qualified Health Plan Benefits offering entities in meeting Federal health insurance requirements, regardless of whether such accountability is with respect to qualified health benefits plans offered through the Health Insurance Exchange or outside of such Exchange.

But, that just talks about "qualified" health plans. Can't my insurer come up with a scaled-down plan, like a catastrophic plan, that will cover my basic needs but not necessarily meet the "initial set of benefit standards"?

Well, they could, but:

Sec 241. In the case that the Commissioner determines that a QHBP offering entity violates a requirement of this title, the Commissioner may... (work) with State insurance regulators to terminate plans for repeated failure by the offering entity to meet the requirements of this title.

So you see folks, the federal government, through a agency of unelected, unaccountable people, including at least one practicing physician (Sec. 223), will be deciding what your health insurance plan can and will offer and what kind of medical care your doctor can provide to you -- and your children and your family -- whether you sign up for the plan "offered through the Health Insurance Exchange or outside of such Exchange."

And there ain't no other way to get a health insurance plan.