If you live in a Red State that refused to build an ObamaCare exchange, and you have been divested of your doctor and your healthcare plan, don’t get mad at ObamaCare or even Barack Hussein. The reason? Here is what former DC Insurance Commissioner Lawrence H. Mirel has to say about health insurance and the states:
The problem is that the federal government has no legal authority to regulate health insurance rates. Insurance, including health insurance, is regulated by the states. The McCarran-Ferguson Act, which preserves the principle of state regulation of insurance, was not amended by the Patient Protection and Affordable Care Act, the law under which the new rule on health insurance rates was issued. So what is going on here? With no regulatory authority at all, HHS is trying to bully or shame health insurers into reducing their rate increases. The whole effort is an incredible exercise in chutzpah.
In short, if the so-called Blue States wish to embrace ObamaCare, its higher prices, and monumentally screwed-up Healthcare.gov computer system, all is well and good. They have every right to do so. But some 34 states said NO to the Regime’s expectation that millions of state tax dollars would go towards establishing an ObamaCare exchange within their borders. A good first step, of course. And these states do NOT have to accept any HHS requirement that insurers meet Affordable Care Act demands! No resident in those states has to give up his current healthcare plan unless the state itself willingly relinquishes regulation of the insurance industry within its borders to the federal government!
And don’t think for one moment that Regime elders are not aware of this. Months after the passage of the Affordable Care Act into law, Senator Patrick Leahy was STILL trying to have McCarran-Ferguson repealed. The stated reason was so insurers could not “price fix” premium rates. The REAL reason was because he KNEW that any Republican-run state could tell Barack Obama and HHS Secretary Kathleen Sebelius that ObamaCare-mandated premiums and regulations would NOT be welcome within the state’s borders.
McCarran-Ferguson is still in effect, in spite of the best efforts of more than 20 Democrat senators. After all, the insurance industry ObamaCare was designed to destroy is still very profitable and holds great sway over DC politicians.
So if you’ve lost your doctor of 20 years and your new ObamaCare “approved” insurance premium is $1,100/month with a $10,000 deductible, don’t complain to Washington. At least not if you live in a conservative state. Ask your governor why he is not following a law passed 6 decades before Marxist healthcare was imposed upon an unwilling public. You sure as Hell have the right to know.
Photo credit: terrellaftermath
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