#Obamacare chronicles: middle-class children lose their health insurance

Posted by: Phineas on April 7, 2014 at 1:41 pm

**Posted by Phineas

"Obamacare has arrived"

“Obamacare has arrived”

Wait. Wasn’t one of the justifications for passing the Affordable Care Act that we had to do it “for the children?” That so many children were among the uninsured that it would be heartless, cruel, and even racist to not pass Obamacare? (1)

Then how do they explain this?

While the federal government was trumpeting the benefits of Obamacare to boost enrollment earlier this year, about 1,800 families in New Jersey were receiving letters telling them their children would be losing their health coverage last week.

The Affordable Care Act — the federal law that mandates everyone have insurance — effectively killed FamilyCare Advantage, a low-cost option for kids in New Jersey created six years ago for parents who earned too much to qualify for Medicaid and other subsidized programs but too little to buy on a policy on their own. The state program was the first of its kind in the nation.

Horizon Blue Cross Blue Shield of New Jersey was the only insurance carrier that agreed to offer the FamilyCare Advantage plan, which covered most medical, dental and vision needs for the relative bargain of $144 a month per child.

What was it that killed FamilyCare Advantage? Oh, just the lack of services Obamacare declares must be included in every policy.

Such as maternity care. For children.

FamilyCare Advantage was New Jersey’s experiment to help lower middle-class families who made too much to qualify for state assistance, but not enough to buy adequate insurance on their own. Under (what used to be) our federalist system, states could try different approaches to common problems, see what worked and what didn’t, and then other states could, if they wanted, copy and adapt them to their own people’s needs. It’s that famous “laboratories of democracy” concept that leads to the discovery of best practices. Instead, these 1,800 families and their children get to experience the “benefits” of a top-down, one-size-fits-all, we-know-better-than-you nationalized health care system. One that kills the health insurance plan they liked and were promised they could keep.

Neat, eh?

But, don’t worry. These families can still go on the exchange and buy a policy there. Of course, it will likely be more expensive and carry a high deductible, but beggars can’t be choosy, right?

After all, it’s for the children.

Afterthought: There’s one other point that needs to be made. The article quotes one father frustrated with both Obamacare and the insurance company:

“Obamacare did snuff it out, but it also looks like Horizon was looking for a reason to end it. With all of the federal mandates (for employers to offer insurance) delayed, they didn’t need to do anything right now.

Emphasis added. This kind of resentment is inevitable when you have chief executive whose governing style seems to be borrowed from Argentina’s Juan Domingo Peron. Rather than treat people as free citizens, equal under the rule of law, you instead get individuals clamoring to get the same special favor as the other guy, turning free citizens into dependent clients and a president of a constitutional republic into El Patrón, doling out the favors to those who please him (or he needs to please) most. And that dependency, in the long run, is the progressives’ real goal.

via Jim Geraghty’s Morning Jolt

Footnote:
(1) And I exaggerate only a bit, here.

RELATED: The Affordable Care Act becomes unaffordable.

(Crossposted at Public Secrets)

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One Response to “#Obamacare chronicles: middle-class children lose their health insurance”

Comments

  1. Zippy says:

    Not to mention that we’re starting to hear stories of people who never even went on the marketplace website only to get letters stating that they have to complete their application. Has anyone else heard of this?