From the Vox overview here (
https://www.vox.com/policy-and-polit...nciliation-act), this part is puzzling:
Quote:
The Senate would eliminate the individual mandate by setting the penalty for not carrying health insurance to zero dollars. They can’t completely wipe it off the books due to the complex rules of the budget reconciliation process, but this would have the same effect.
The Senate bill does not have any replacement policy for the individual mandate, any negative financial consequence for skipping out on health insurance. This is different from the House bill, which had a requirement that Americans keep “continuous coverage” or else face higher premiums when they reenter the market.
The Senate bill still requires insurance companies to accept all patients, regardless of how sick they might be or what preexisting conditions they have. Building a health insurance system without an individual mandate or any replacement policy runs a significant risk of falling into a death spiral, where only the sickest people buy coverage and premiums keep ticking upward.
I don't understand how a prohibition on pre-existing condition exclusions is supportable without an individual mandate or something similar.
This bill is just a stunning indication of how much better Rs are at messaging. It's a giant tax cut based on cutting medicaid, and they're saying with a straight face that it's going to lead to improved health outcomes. It's appalling.