President Trump Signs Executive Order To Promote Healthcare Choices and Options…

President Trump has been working on an alternative regulatory policy initiative to workaround the lack of congressional action on healthcare. Today President Trump unveils the MAGA healthcare initiative that allows HHS to permit groups of people to form “Health Associations” and seek competitive health insurance options across state lines.

One of the biggest benefits to allowing “Health Associations” is that the group policies will not be bound to the same ObamaCare insurance mandates and will likely be lower-cost insurance products. This isn’t a government mandate. It isn’t a subsidy. It isn’t a tax. Rather, it is the removal of government regulation and barriers to the best possible health care for millions of people.

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EXPANDING ACCESS TO MORE AFFORDABLE OPTIONS: President Donald J. Trump is taking action to increase the healthcare choices for millions of Americans, potentially allowing some employers to join together across State lines to offer coverage.

• President Trump signed an Executive Order to reform the United States healthcare system to take the first steps to expand choices and alternatives to Obamacare plans and increase competition to bring down costs for consumers.

• The order directs the Secretary of Labor to consider expanding access to Association Health Plans (AHPs), which could potentially allow American employers to form groups across State lines.

o A broader interpretation of the Employee Retirement Income Security Act (ERISA) could potentially allow employers in the same line of business anywhere in the country to join together to offer healthcare coverage to their employees.

•It could potentially allow employers to form AHPs through existing organizations, or create new ones for the express purpose of offering group insurance.

o By potentially making it easier for employers to band together, workers could have access to a broader range of insurance options at lower rates in the large group market.

o Employers participating in an AHP cannot exclude any employee from joining the plan and cannot develop premiums based on health conditions.

• The order directs the Departments of the Treasury, Labor, and Health and Human Services to consider expanding coverage through low cost short-term limited duration insurance (STLDI).

o STLDI is not subject to costly Obamacare mandates and rules. One study found that on average STLDI costs one-third the price of the cheapest Obamacare plans.

o Despite its low cost, STLDI typically features broad provider networks and high coverage limits.

o The main groups who benefit from STLDI are people between jobs, people in counties with only a single insurer offering exchange plans, people with limited coverage networks, and people who missed the open enrollment period but still want insurance.

• The order directs the Departments of the Treasury, Labor, and Health and Human Services to consider changes to Health Reimbursement Arrangements (HRAs) so employers can make better use of them for their employees.

o HRAs are employer-funded accounts that reimburse employees for healthcare expenses, including deductibles and copayments.

o The IRS does not count funds contributed to an HRA as taxable income.

o Expanded HRAs could potentially give American workers greater flexibility and control over how to finance their healthcare needs.

OBAMACARE IS FAILING: The status quo is not delivering quality healthcare options for the American people, who are facing higher premiums and fewer options.

• The percentage of workers at small firms receiving coverage through their employer has declined from nearly half in 2010 to about one-third in 2017.

• In 2018, more than 1,500 counties (nearly 50 percent of all counties) are projected to have only one option on their individual insurance exchanges, according to the Centers for Medicare and Medicaid Services.

o This means 2.6 million Americans, or nearly 30 percent of exchange participants, will be left without a choice of insurers.

• From 2013 to 2017, average premiums for individual health insurance plans have doubled, increasing by $2,928 according to the Department of Health and Human Services.

o During this period, every State using http://www.healthcare.gov saw individual insurance premiums increase.

• Americans are departing the Obamacare exchanges and millions are choosing to pay the law’s penalty instead.

o 500,000 fewer Americans enrolled in an Obamacare plan in 2017 compared to the prior year.

o Current exchange enrollment is 60% below what the Congressional Budget Office expected when the law took effect.

o 6.7 million Americans chose to pay the Obamacare penalty in 2015 rather than purchase insurance on the exchanges. 37% of penalized households made less than $25,000, and 79% of penalized households made less than $50,000.

[VIA Rand Paul]  I’ve been working with President Trump and his Cabinet for months to get this done.

How will it work? Well, nationwide associations like the National Restaurant Association will be allowed to form groups across state lines and, with the leverage of size, demand Big Insurance bring down their outrageous premiums.

Many of the 28 million people left behind by Obamacare who still don’t have insurance work low-wage jobs in our fast food restaurants. The President’s decision today will allow workers from two million restaurants to come together to form a buying group and through sheer size get cheaper and better insurance.

Millions of people will be eligible for the same group insurance that big corporations offer. In fact, Health Associations may grow to be larger than the largest of our corporations. Currently, about half of private insurance is cross-state, self-insured ERISA plans, and most employees love them. The President’s action today will allow the millions of people in the individual market an escape route to group insurance.

Association Health Plans will be among the biggest free-market reforms of health care in a generation, and it will do more to counter the impact of Obamacare than most of the repeal bills did, because it will actually go after regulations that the legislation didn’t touch due to Senate rules.

Existing law allows the President to legalize these new groups and plans. Where previous administrations have been weak, President Trump is bold to allow this reform.

All group insurance guarantees access regardless of pre-existing conditions. But what is great about cross-state Health Associations is that they will be exempt from some Obamacare and State regulations. This exemption from regulations is why cross-state group insurance has seen the lowest rise in premiums of any health insurance available.

The regulators, and hand-wringers, will worry that Health Associations will lead to the least common denominator and simply high-deductible, bare-bones policy. The opposite might occur. We do know that the large group, cross-state ERISA plans out there currently run the gamut and, in fact, often are the most desirable plans available.

Million-person Health Associations will have enormous leverage to get better prices for consumers – that’s exactly why Big Insurance opposes them.

Most of the “fake” replacements offered don’t fix the individual market; they simply keep in place Obamacare’s subsidies for the individual market. My hope is that cross-state Health Associations will allow so many people to flee the individual market that subsidies will no longer be necessary.

It will take 6 months to a year to begin seeing the benefits of Health Associations. I want to thank President Trump for taking this bold step forward.

As Health Associations form, the death spiral of Obamacare will continue. While we should and will keep fighting for repeal through Congress, I’m excited to have worked with President Trump on a free market reform that can begin to fix many of the problems Obamacare created.

Congress may have failed to act — but President Trump and I haven’t. We’ve been working on this behind the scenes.

So what does that mean for you, the healthcare consumer? Well, first of all, it means millions of people who now go it alone or in very small groups will join together and make the CONSUMER THE KING, with increased bargaining power and better prices.

You will be able to choose among better and cheaper insurance that works for you — something Obamacare made illegal. You will be able to buy across state lines, opening up competition for the best plans. Many Obamacare regulations will be waived for those in these groups, including costly mandates on what the plans must cover.

Best of all, this isn’t a government mandate. It isn’t a subsidy. It isn’t a tax. Rather, it is the removal of government regulation and barriers to the best possible health care for millions of people.

As a career physician, I know Obamacare is broken and must be repealed. I will keep fighting for this. But I also know health care was broken before Obamacare, and we should take every opportunity to fix what we can.

That’s what President Trump is doing this week, and I’m proud to have worked with him on this important health care reform. (link)

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This entry was posted in Big Government, Budget, Donald Trump, Economy, Legislation, media bias, Obamacare, President Trump, Rand Paul, Uncategorized, USA. Bookmark the permalink.

341 Responses to President Trump Signs Executive Order To Promote Healthcare Choices and Options…

  1. Annie says:

    Have one question, which I know someone here will be knowledgeable enough to answer.
    Each state has an Insurance Commisioner. Is our president’s plan regarding buying insurance across state lines a loss of power for them? Will they be able to delay and obstruct? File law suit collectively? If this diminishes their power, they will not go down without a fight.

    Liked by 1 person

    • SoCal Patriot says:

      They won’t go down without a fight. It will seriously impact their power. The state bureaucracies – insurance commissioners and companies – will fight like crazy to protect their turfs.

      Liked by 1 person

    • Howie says:

      What are they fighting for? Croneyville? They are wasting away.

      Liked by 1 person

    • Bob Thoms says:

      I think the president’s EO makes it impossible for state insurance agencies to block it.

      There is a federal law in place that exempts big multi-national corporations from that kind of state control; I think P Trump’s EO expanded the same exemptions to associations and other organizations.

      Liked by 1 person

    • lftrn97 says:

      ERISA has been in place for decades covering large employers across state lines.

      Liked by 2 people

    • Big Ugly says:

      Dave Jones is California’s Insurance Commissioner. His background is solid Democrat.
      However, one of his accomplishments was taking action at insurance companies who were charging too much, and using ACA as excuse. If he’s consistent, and I believe he will be, today’s Executive Order might be safe in California. Moonbeam would support him, I believe.

      From Wikipedia re Jones

      “During the development of the health benefit exchange in California Jones lobbied to exclude providers from the small business portion of the exchange that he felt charged unreasonably high rates. In particular, he worked to exclude Anthem Blue Cross and Blue Cross of California from the exchange.[4] Anthem Blue Cross ended up withdrawing its participation in the small business portion of the exchange[5] prompting concerns that consumers would not be able to comparison shop on the exchange itself where plan designs were standardized, but would be required to compare exchange plans to externally marketed plans. Jones subsequently claimed that other major carriers on the exchange were charging unreasonable rates including Blue Shield of California[6] and United Healthcare.[7] United Healthcare subsequently withdrew from the California individual market entirely.[8] Blue Shield currently remains a member of the exchange.”

      Liked by 2 people

    • Founding Fathers Fan says:

      A State Insurance Commissioner is a public official in the executive branch of a State or territory in the United States that, along with his or her office, regulate the insurance industry. The powers granted to the office of an insurance commissioner differ in each state. The office of an insurance commissioner is established either by the State constitution or by State Law. The 10th Amendment to The United States Constitution prohibits the federal government from interfering in State Law. .

      Liked by 2 people

    • All he did was deregulate a regulation

      Like

  2. NJF says:

    I hope this helps the overall market.

    I have cruddy work sponsored hc, so I dont think this will effect me.

    Liked by 1 person

    • Joshua2415 says:

      Depending on who you work for, they might sign up for an association plan that will have lower premiums and deductibles. Or, you might opt to leave your company plan and buy a cheaper plan offered by say, AAA. The best thing about this EO is that we will all have choices again!

      Liked by 4 people

      • RJ says:

        Guys like McCain and Corker remind me of renters that are served with eviction notices. They go on hate-filled rages and wreck their apartment. They kick holes in the walls and smash the kitchen cabinets. I even saw a house that had a 5 gallon bucket of diesel fuel thrown on the walls – impossible to get rid of the smell. McCain and Corkers actions are so anti-social they warrant a 30 day commitment for mental health evaluations.

        Liked by 2 people

  3. StanH says:

    There you go Mr. President, the first real crack in Barrycare…Yeah!

    Liked by 4 people

  4. BobBoxBody says:

    I remember when Trump’s first attempt at getting Obummercare repealed failed. Everyone was doom and gloom. And I said have patience, Trump planned on this. I even got into it with Sundance about it. But I knew. We’ve all been so used to being stabbed in the back and undermined. It’s surreal having someone actually do what they campaigned on and make good on those promises. We haven’t seen it in so long we don’t dare to believe it so we get tired of being disappointed. Well, we don’t have to do that no more.

    The REAL question is now that Trump has given us an out from Obummercare, will the Swamp try to keep propping it up, or will they finally capitulate and get rid of it? Because if you see immediate good results from what Trump has done, then people are going to screaming from the rooftops to get rid of it to make way for tax reform. I almost feel sorry for the scumbags in our government going into next year’s elections….

    Almost.

    Liked by 6 people

    • Howie says:

      The crooks gotta go.

      Liked by 1 person

      • BobBoxBody says:

        Well Corker is one of my state’s Swamp Creatures and he basically just folded like a house of cards. The writing is on the wall and they all see it. They’re finished. They’ll probably try to do as much damage as they can on their way out just out of spite, but all they’ll be doing is further exposing the need to get rid of them. The brats are finally being sent to their rooms….for good.

        I gotta call my state Reps tomorrow and give them hell over the gun control legislation in the House. That’s gotta die fast and hard.

        Liked by 1 person

        • Bert Darrell says:

          Are you referring to Mullah Corker? The one that made it possible for Iran to get $150 Billion from us with the infamous intervention of Obama and Kerry?

          Like

          • BobBoxBody says:

            Yep, that seditious scumbag. Him saying he wouldn’t run again made my year. I’m a working class democrat, and so is my mother. We have no illusions that the neocons in the GOP hate the working class’ guts. Trump loves us though. This is why the GOPe HATE him so much. There’s plenty of conservatives in the electorate that didn’t understand that the GOPe hated their own constituents just like they hate the working class. Now, thanks to Trump, they see what we’ve known for a long time.

            Now we can purge these turds from out government once and for all.

            Liked by 1 person

            • Payday says:

              Ok. But do you see how the Democrats actually hate you even more?

              Liked by 1 person

              • BobBoxBody says:

                Oh yeah, I’ve known that since Bush Jr. Vs Kerry. Jr. should have been easy to beat. They didn’t want to beat him. Everything since then has just shown me that both parties are corrupt and don’t care. Trump is a reform agent. He’ll remake the GOP into a populist working class party and we’ll FINALLY have honest to god representation in this country again, which will lead to the reform of the Democrats, or their destruction.

                Like

                • Payday says:

                  Good for you. Like Reagan, Trump is implementing common sense conservative principles. He doing what the GOPe always claimed to stand for, but never would. Thus he’s tearing down both parties. Conservatism really does work. Amazing that nearly half the country still doesn’t get it.

                  Like

        • The Bush wing is shooting blanks

          Like

    • USA First! says:

      The GOPe doesn’t want to give Trimp any wins. They want to handicap him and make the American people believe that Trump is incompetent.

      Liked by 1 person

  5. President Donald J. Trump and Senator Rand Paul punked the RINOS, Dems, and the insurance lobby again. Classic case of the good cop bad cop routine. The photo op for the signing of this executive order is telling. Mitch McConnell and Paul Ryan weren’t invited.

    Liked by 7 people

  6. Marica says:

    I called Senator Paul’s office and was very critical before the last vote–I Guess i need to call and thank him for standing strong!–I Loved the way PDJT signed the EO and turned–without fanfare-handing off the signing pen to Senator Paul! Good work gentlemen!

    Liked by 2 people

    • Ellen says:

      Share your sentiments, Marica. Paul can be a strange duck and hard to figure out. One minute he really gets under my skin and the next I’m grateful for his efforts. One of his more admiral quirks is that he absolutely hates John McStain. I guess he does have some redeeming qualities.

      Liked by 1 person

      • Founding Fathers Fan says:

        Rand Paul supported Mitch McConnell when McConnell ran against a conservative in his last primary. Rand Paul is just another sleazy politician and only cares about getting re-elected. This is just another RINO political move.

        Like

  7. tonyE says:

    The thing is that employer provided care too has become very expensive because of the impact of ObolaNoCare for everyone.

    What we need to do is to remove all those restrictions and requirements on ObolaNoPlans, allow full competition across all State Lines, remove the Tort Lawyers from the business and cut back on the huge paperwork the Feds have impossed on the doctors and hospitals.

    I’m sure that the good Soviets in Sacramentograd will still push for our SIngle Soviet Payer Plan in Calimexistan… Hopefully, the Feds can do something about this.. like arresting them all for making the State a haven for illegal aliens -and he!! for us tax paying, working Americans.

    Liked by 1 person

    • Bob Thoms says:

      AND require COMPLETE TRANSPARENCY IN PRICING.
      Empower consumers so they can shop for the best price; No reason for the price of 95% of medical services to be available on line for all consumers to see.

      Need a colonoscopy? There should be a single web site with the prices from all providers in your region. Same for a standard blood panel work up, or EKG, whatever.

      Liked by 5 people

      • valheisey says:

        I’d also like to see a web-based medical care system where you can set up a “consultation” for a flat fee and a test can be ordered and scheduled. Then the results can be made available through a patient portal with all available recommendations for subsequent care and follow-up including drug therapy or dietary changes. Right now, to get a bone density test at an imaging center, you need a referral from a primary care doctor. If the test is positive, you can bet that doctor will recommend drug therapy when dietary changes could be all that is needed.
        One imaging center I found lists their price at $150 for this test. I read a thread where people were paying thousands of dollars because doctors and insurance companies were in the mix and the imaging center was connected to a hospital bc of Obamacare. Of course the test did not meet their deductible, so the patient paid out the entire cost of the test. That’s just wrong!

        Like

  8. Pam says:

    Liked by 3 people

  9. Bert Darrell says:

    What gives me great pleasure about this move by PDJT and Sen. Paul is that McCain will have terrible heart burn this evening. He may end up developing the glioblastoma he’s been faking to have.

    Liked by 3 people

    • Ellen says:

      $50,000 question: Who does McStain hate worse; Trump or Paul?

      Like

      • Bert Darrell says:

        McCain is a bitter loser. He hates everybody and everything except MONEY.

        Liked by 1 person

        • piper567 says:

          Don’t you wonder sometimes how it is these vile folk can go through a day?
          I think they see others only in light of how it is they contribute toor harm their agendas.
          Its pathetic, really. Can you imagine what a lunch is like with such people? Cant believe a thing they say, always having to watch out for this or that.
          What a sad way to live.
          But I suppose when you sell out to the adversary, such details of being human are not so important.
          Really sad. I am forever grateful to our Lion for exposing evil and doing good.
          For so long, objective good and objective evil have been relativized.
          I do believe people are beginning to wake up…and maybe beginning to realize that common sense is quite enough to see through so much of what has been hidden.
          Thanks to out Lion, as he shines light into dark corners, the cockroaches are beginning to flee.
          And men loved darkness because their deeds were evil.
          Praise God for giving us President Trump.

          Liked by 1 person

        • B Woodward says:

          Wait a minute. McCain doesn’t hate everybody! What are you talking about? He likes Obama’s “freedom fighters” in Syria.

          Liked by 1 person

  10. Trump should just exempt all registered Republicans from obamacare. Obama exempted his cronies, why can’t Trump exempt his supporters. Considering not a single Republican voted for it, seems like a winner to me. Prevent all taxpayer funds going to obamacare leaving only premiums to fund it. Democrats get their o-care. We get to watch the democrats get their just desserts.

    So easy, even a caveman can do it.

    Liked by 1 person

  11. ray76 says:

    “portability of insurance markets across state lines”

    Huh?

    Like

  12. Minnie says:

    Thank you, Mr. President!!

    From the bottom of my heart, you are appreciated and respected for all you do for our Forgotten Men & Women.

    Keeping campaign promises, one step at a time.

    🇺🇸🦁🇺🇸🦁🇺🇸🦁🇺🇸❤️

    Liked by 1 person

  13. WeThePeople2016 says:

    I am glad that Rand Paul got the credit because he has been working on this for months with Trump. I am glad that Cruz was not in attendance today. I still question his loyalty to Trump. The telling part for today is that Ryan and the Turtle were nowhere to be found.

    What a great day for this country. We are starting to take our country back. The day Obamacare became law was one of the saddest days for this country. The day Donald Trump won the election and the day he was sworn in was the start to take back this country. Today is another giant leap in the direction to MAGA!

    Liked by 2 people

    • Oldschool says:

      Agree we the people. I know most treepers don’t like Rand, but I always have and from the first meetings he had with POTUS, I had the feeling these two men had a good relationship, were reasonable even through their differences and would intelligently work together. It’s a good thing.

      Like

    • mike says:

      I don’t question Cruz’s loyalty to Trump. There is none, he’s a total opportunist with a globalist-GSach wife.

      I supported Cruz until 2015.

      Liked by 1 person

  14. Joshua2415 says:

    Perfectly timed for this years open enrollment period! Now healthy people who actually pay for expensive Obamacare plans and don’t qualify for subsidies will be able to buy much cheaper plans that only cover what they want to pay for. This will pretty much mean that the only people “buying” Obamacare policies will be those with pre-existing conditions who can’t get coverage anywhere else. Enrollment in the exchanges for 2018 will likely drop by 30-40%… or more.
    I’d also bet that Trump is setting up the existing Healthcare.gov framework to become the default infrastructure for managing the state run high-risk pool.
    LOVE THE WINNING!
    Thank You Mr. President!

    Liked by 1 person

  15. SeekerOfTruth says:

    If things go well with this new initiative, it will be a key election issue in 2018.

    PDJT understands that. And we knew he was giving Congress till end of Sept to have their chances at redemption and do the will of the people. They failed so October it is and PDJT takes the ball and moves the ball. They were out of downs and time. (College ball not NFL).

    Congressional people better pick their sides carefully here.
    The timing is perfect here to hopefully get implementation far enough along and paying insurance people (not Medicaid) are starting to see some relief. Then many will be made to look like fools in 2018.

    The people need help. Congress failed in helping. It is easy to see how PDJT’s plan can help many people on the street. PDJT listened and obeyed the needs of the Street. Congress – both parties failed to understand how key this issue is on the Street.

    Liked by 2 people

  16. Michael says:

    Yes!
    I see help wanted signs everywhere.
    Now it those riding the gravy train would be encouraged to take those jobs….

    Like

  17. All Too Much says:

    Sundance defined the radical, new, domestic President Trump doctrine:

    “This isn’t a government mandate. It isn’t a subsidy. It isn’t a tax. Rather, it is the removal of government regulation and barriers to the best possible health care for millions of people.”

    Perfect.

    Liked by 2 people

  18. A2 says:

    I usually don’t comment on Ocare or tax reform (same same to me) because my views may be considered quirky by some. I remember watching the show Greta on Fox when the bill was first presented and within a few minutes realized it had nothing to do with ‘health’ or ‘care’ but was the MOAB of taxes dressed up in feel good, do-nothing rhetoric, and as John Marshall said, the power to tax is the power to destroy. I have always contended that Supreme Court Justice Roberts was absolutely right. I have been waiting for that knowledge to filter down so that it would be dealt with as simply another tax and destroy redistributionist scheme with the ‘redistribution’ going into the wrong pockets like Corporations, and big Pharma.Well done Mr President and Senator Paul and all who support this EO.

    Liked by 2 people

  19. Howie says:

    Leftists don’t know what to do now. They haz to beg. Beg for free momey.beggar

    Liked by 1 person

  20. USA First! says:

    President Trump is throwing a bomb into the insurance marketplaces created under the Affordable Care Act, choosing to end critical payments to health insurers that help millions of lower-income Americans afford coverage. The decision coincides with an executive order on Thursday to allow alternative health plans that skirt the law’s requirements.

    Liked by 2 people

  21. anthohmy says:

    Pepe reverses engineered the spectacle.

    Like

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