Congress Isn’t the Only Way We Could Lose Access to the ACA
Nicole Dieker

To be fair, the Republicans aren’t wrong when they say that the ACA is broken. It’s true that many people would find themselves with drastically higher rates or fewer options as insurers found that their exchange plans were tremendously unbalanced (due to the ineffectiveness of the individual mandate and states declining Medicaid expansion).

That said, let’s also not forget that the makers of Obamacare anticipated this outcome and established the concept of ‘risk corridors’ that would have allowed for insurers to make back some of that money in the case that their payout ratios fell above a certain threshold (that is, in case their exchange plans turned out to be really bad deals), and that this aspect of the ACA was quietly done away with by the republicans in 2015. Risk corridors wouldn’t have completely fixed the ACA, but they would have done a bit to slow insurers from getting out so quickly.

I have no problems with health care reform…I’m just dumbfounded that we’re choosing to throw away the practical experience we’ve gained over the past 4.5 years. Instead of modifying the existing law to fix the things that we know aren’t working, we’re throwing everything out and are introducing something completely new (that will inevitably have it’s own set of problems that will require tweaking in the future, provided that we don’t try to hit the reset button once again).