As I have been reading the proposed Obama Health Care Plan, this post will be first in a series of posts which examines Obama’s claims vs. facts. Let’s begin with his promise that you will be able to keep your existing plan.

It depends on the meaning of “keep”. As Obama is a lawyer he’s well versed in using veiled “words” that do not exactly reflect the real meaning of what he is saying. In essence a lie.

Via Shawn Tully of CNN Money:

This is the freedom that the President keeps emphasizing. Yet the bills appear to say otherwise. It’s worth diving into the weeds — the territory where most pundits and politicians don’t seem to have ventured.

The legislation divides the insured into two main groups, and those two groups are treated differently with respect to their current plans. The first are employees covered by the Employee Retirement Security Act of 1974. ERISA regulates companies that are self-insured, meaning they pay claims out of their cash flow, and don’t have real insurance. Those are the GEs (GE, Fortune 500) and Time Warners (TWX, Fortune 500) and most other big companies.

The House bill states that employees covered by ERISA plans are “grandfathered.” Under ERISA, the plans can do pretty much what they want — they’re exempt from standard packages and community rating and can reward employees for healthy lifestyles even in restrictive states.

But read on.

The bill gives ERISA employers a five-year grace period when they can keep offering plans free from the restrictions of the “qualified” policies offered on the exchanges. But after five years, they would have to offer only approved plans, with the myriad rules we’ve already discussed. So for Americans in large corporations, “keeping your own plan” has a strict deadline. In five years, like it or not, you’ll get dumped into the exchange. As we’ll see, it could happen a lot earlier.

The outlook is worse for the second group. It encompasses employees who aren’t under ERISA but get actual insurance either on their own or through small businesses. After the legislation passes, all insurers that offer a wide range of plans to these employees will be forced to offer only “qualified” plans to new customers, via the exchanges.

The employees who got their coverage before the law goes into effect can keep their plans, but once again, there’s a catch. If the plan changes in any way — by altering co-pays, deductibles, or even switching coverage for this or that drug — the employee must drop out and shop through the exchange. Since these plans generally change their policies every year, it’s likely that millions of employees will lose their plans in 12 months.”

In other words your plan would change the next time the employer goes to negotiate, or there is a raise in premium, or any other yearly or semi-annual change. The apparent purpose here seems to be to get everyone on plans that the government has selected and approved of.

Jake Trapper of ABC News:

“At a rally in Holmdel, New Jersey, today, President Obama continued making a promise about health care reform that he has acknowledged isn’t literally true.

“Let me be exactly clear about what health care reform means to you,” the president told residents of the Garden State. “First of all, if you’ve got health insurance, you like your doctors, you like your plan, you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you.”

But last month, as the president acknowledged during a press conference, he doesn’t literally mean that you are guaranteed to be able to keep your health care plan, and your doctor, if and when health care reform passes.

“When I say ‘If you have your plan and you like it,… or you have a doctor and you like your doctor, that you don’t have to change plans,’” the president said after we asked him about this, “what I’m saying is the government is not going to make you change plans under health reform.”

Importantly, the government might create circumstances – say, a public health care option that is less expensive since profit is not a concern and overhead is lower – where you might find your business forcing you into that public plan.”

Again, words. The verdict? Under Obama Care – eventually – you will be forced out of your chosen plan.

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