By U-T San Diego Editorial Board • U-T San Diego
In fall 2013, there was a political firestorm after millions of Americans were told their individual 2014 health insurance policies would be canceled because they didn’t provide the full range of coverage mandated by the Affordable Care Act. This prompted President Obama to unilaterally delay by one year the requirement that individual health plans be compliant with Obamacare. Most states — but not California — went along with this decision.
That year is nearly up, and the White House has ruled out another delay. Otherwise, the administration is waiting until after the Nov. 4 elections to say what 2015 holds for the millions of Americans with noncompliant individual health insurance. It won’t even comment on what’s ahead in the 32 states where the federal government runs the insurance exchange programs. (California runs its own.)
Nevertheless, most evidence indicates millions of Americans with individual policies are likely to lose them in coming months — this time for good. Semanticists may claim these policies haven’t been changed, just amended. But Americans facing much higher premiums and co-pays and fewer options on doctors aren’t likely to agree that this is what President Obama meant when he said, “If you like your plan, you can keep it.” [Read more...]