Insurance companies are trying to undermine the ACA
In all the recent discussion about the cancellation of health insurance policies, I haven't heard any comment that these cancellations had to be planned for quite some time. Insurance companies have intimate knowledge of what their policies cover, what their exclusions are, and the actuarial analysis of each policy. Just as in the years prior to the Affordable Care Act, insurance companies analyze well in advance those policies they will cancel based on an individual's medical expenses and health histories.
The timing of the cancellation of approximately 3 million individual health insurance policies, when such possibilities had to be known within the industry long before now, strongly suggests that this was a calculated move to try to defeat or roll back the Affordable Care Act.
Notification of these cancellations came out only after President Obama and the Democrats held firm in the showdown in Congress. The insurance companies could have informed their policyholders long ago that they could make some modifications to their current policies to bring them into compliance with the ACA. It is like a chess game, keeping certain maneuvers in reserve, and waiting for the opportunity to attempt a checkmate when other maneuvers fail.
The announcements of these cancellations is a public relations political ploy, timed to undermine the ACA, while hurting the security of the policyholders and trying to deny health insurance to 47 million Americans without current insurance.
Remember that the insurance industry was the chief architect of the defeat of the Clinton administration's 1993 attempt for health insurance reform. The American public needs to see the current insurance maneuver for what it is. They may have checked President Obama in this chess match, but hopefully President Obama can avoid checkmate.
Dr. Joseph I. Golden
BeckleyMedia partially to blame for gun nuts
In a recent Saturday paper, a photo was published on the front page, above the fold, of the terrorist who killed a TSA agent. Why did you give this despicable person the notoriety he was after?
He'll die happy with the recognition he is getting.