DNC Chairwoman Debbie Wasserman Schultz says the insurance cancellations won't matter in 2014. She refers to them as transition letters as in transitioning from bad to worse. Watching Schultz caused me to wonder what if the Congress had to go to the public exchanges as do most people in the private sector. No congressman could buy into such a plan. Unless the congressman was willing to give up residency in his home state he would have to go back to his district for treatment. Of course giving up residency would also meaning giving up the office.
The exchange policies are a throwback to the HMO's of the 1990's. They offer a very limited number of providers and in most states the academic hospitals may appear, if at all, only in the gold plans. To keep cost as low as possible insurance companies have pared their networks. Patients have a very limited choice of doctors and hospitals. To quote from Edie Sundby, the stage 4 cancer victim who lost her insurance because of Obamacare;
You would think it would be simple to find a health-exchange plan that allows me, living in San Diego, to continue to see my primary oncologist at Stanford University and my primary care doctors at the University of California, San Diego. Not so. UCSD has agreed to accept only one Covered California plan—a very restrictive Anthem EPO Plan. EPO stands for exclusive provider organization, which means the plan has a small network of doctors and facilities and no out-of-network coverage (as in a preferred-provider organization plan) except for emergencies. Stanford accepts an Anthem PPO plan but it is not available for purchase in San Diego (only Anthem HMO and EPO plans are available in San Diego).Another example would be anyone living in Concord, New Hampshire, the capital city. The local hospital is not in the network of any insurance company selling on the healthcare.gov exchange. Not only is the public limited to selecting among overpriced plans but there are geographical impairment to health insurance that did not exist in the free market. Yes, Debbie, please urge all Democrats to bet their futures on Obamacare.
So if I go with a health-exchange plan, I must choose between Stanford and UCSD. Stanford has kept me alive—but UCSD has provided emergency and local treatment support during wretched periods of this disease, and it is where my primary-care doctors are.