(ERISA lives – promoted by blogswarm)
All these post-Hillary, post-Arnold health reform plans force people to sign up with big insurance companies, either individually or through their jobs–an “employer mandate” or “individual mandate.” But a court ruling yesterday in Maryland might kill the employer mandate strategy.
Meaning that the big solution being offered for our system-wide health disaster? Forcing individuals to buy some junk health insurance. All hat, no cattle there–helping along the movement towards single-payer health care.
In other single-payer news, the coalitions for health care reform keep growing, as part of a rapidly evolving health care/political landscape, and even conservative editorialists see single-payer in the offing–despite the best efforts of insurers, certain other corporations, and their allies to block it. Activists from coast-to-coast are pressing their case, while the rich have a new kind of health care available: the four-star hospital spa.
Brought to you by the National Nurses Organizing Committee as we organize to make 2007 the Year of Single-Payer Healthcare.
Dan Walters in the Sacramento Bee analyses the effect of the Maryland ruling on Schwarzenegger’s new health care plan. He writes:
A federal appeals court this week struck an indirect but potentially fatal blow to one of the most controversial pieces of Gov. Arnold Schwarzenegger’s comprehensive health insurance plan — requiring employers to either provide coverage to workers or pay 4 percent of their payrolls into a state insurance purchase pool.
By a 2-1 vote, a panel of the 4th District Court of Appeals ruled that Maryland’s play-or-pay health insurance law, specifically aimed at retailing giant Wal-Mart, violates a federal law governing employers’ group health plans. It upheld a lower court’s finding that invalidated “any and all state laws insofar as they may now or hereafter relate to any employee benefit plan.”
If upheld by the U.S. Supreme Court, the ruling bolsters a simmering contention among California employers that Schwarzenegger’s version of the employer mandate also would run afoul of the federal Employee Retirement Income Security Act. ERISA was enacted in 1974 to allow companies to establish health care plans for their workers that applied in multiple states, without having to tailor plans to individual states and to protect the rights of workers under such plans.
In other words, the employer mandate might be completely off the table, unless passed at the federal level, which seems unlikely.
Wall St. Journal reporters Deborah Solomon and David Wessel have been putting their neandrathal editorial board to shame lately with smart stories about the nation’s on-going health care debate. Today they look at the pressure for change–much of it coming from the business community:
Thrusting the long-running issue to the fore are political and economic forces that have been building for years but are given new force by political events. Not only have the Democrats taken over Congress, but state political leaders, including Republicans such as California Gov. Arnold Schwarzenegger, are moving on their own to change the system. And U.S. companies increasingly complain that the current employer-paid insurance system puts some of them at a disadvantage — either globally or vis-a-vis firms that won’t provide insurance. …
The heightened political focus on the issue reflects pressure from two sources. One is voters’ anxieties, both about the cost of care and about the risk of losing insurance for reasons such as changing jobs. “A member of Congress goes home and two issues come up every time you get together with folks: One of them is Iraq, and one of them is health care,” says Sen. Wyden, an Oregon Democrat. “A lot of people who have coverage think they’re one rate hike away from losing their coverage.”
The other is an ever-louder complaint from U.S. businesses that they can’t compete in a global economy when companies from other countries don’t have to pay for health care. Deere & Co. Chief Executive Robert Lane told Congress last year that failure to act could result in a “limiting of covered services, loss of employer-provided health care … and even a loss of American jobs, both in the manufacturing and service sectors.”
The key element here is that businesses MUST start cutting the cost of their health care-and only a single-payer system, doing away with insurance company middlemen, can contain costs.
Even the right-wing Washington Times realizes that if the health care problems don’t magically go away in the next two years, then single-payer health care becomes a much more realistic possibility.
A few years down the road, January 2007 could be remembered as a turning point in American health care…. a serious drive for a statist, single-payer universal health-care program for the country could well be unavoidable.
This is an extraordinary admission for such a right-wing newspaper.
Of course, some groups-such as the national coalition the New York Times describes here-seem pretty happy with today’s health care system, but want a few tweaks here and there. And the health insurance industry will continue to advocate for tinkering within the current system. Their take in the Wall St. Journal (reg. req’d) on Arnoldcare (and other mandated purchases):
“There’s no question (the plan) broadens the opportunity for the industry.”
Meanwhile, Zenei Cortez, RN, Vice President of the California Nurses Association explains why the insurance industry loves both employer and individual mandates-and why patients won’t:
With no controls on skyrocketing premiums, comprehensive plans will be out of reach for millions of Californians. Most could end up with junk insurance, with up to $10,000 in out-of-pocket payments for any medical care, meaning the average person will likely pay for all his or her medical expenses on top of the premiums. And many may forgo any medical care, risking worse health problems and greater health costs down the road.
Elsewhere, blogger Blake at Critical Condition puts the need for single-payer within a larger public health debate, Jonathon Cohn in the New Republic’s blog Plank finds one possible Presidential candidate calling for single-payer health care, and blogger Anna points out how much better Canadian-style health care is for patients than the US approach.
For a picture of how the other one percent lives, the Chicago Sun-Times writes about the latest trend in high-end hotel spas: medical treatments now available.