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    Side Effects: Like Your HSA? Enjoy it While You Can

    All presidential assurances to the contrary, you can’t keep what no longer exists—not even health coverage you like. Millions of people like Health Savings Accounts (HSAs) paired with high-deductible insurance plans.  The approach is so popular, in fact, that it’s the fastest growing type of coverage in the country.  But … More

    Side Effects: Obamacare Creates a Costly Drop in Employer Health Coverage

    The President repeatedly promised that if you liked your health plan, you would be able to keep it. Nothing would change. Fat chance. In fact, millions of Americans of Americans will lose or be transitioned out of their existing employer based health insurance. The official Actuary at HHS- who doesn’t … More

    Side Effects: HSAs an Endangered Species under Obamacare

    Why is there so much excessive—indeed, downright wasteful—spending in health care?  One reason is the disconnection between patients’ wallets and their health care bills. Most Americans get health insurance through their employers.  They neither witness nor control the flow of their dollars from employer to insurer to health care provider. … More

    Side Effects: Cost Of Medicaid Expansion Going Nowhere But Up

    In passing Obamacare, Congress has put the states in quite a pickle. To sharply expand health coverage, Obamacare flung wide the gates of Medicaid eligibility. It envisions a massive expansion of the federal-state health program that, historically, delivers low-quality care to low-income Americans. Not a smart move. States were already … More

    Side Effects: Seniors Will Lose Big Under Obamacare

    Passage of Obamacare will have negative consequences for practically all Americans. However, it is the nation’s senior citizens who will get the short end of the stick after enactment of the President’s health care agenda. In a recent paper, Heritage health policy expert Robert Moffit, Ph.D., lays out the specific provisions of … More

    Side Effects: ER Overload Will Only Get Worse

    Remember how Obamacare was going to save big bucks and reduce wait time in emergency rooms? The idea was that millions of previously uninsured Americans accustomed to using ERs for basic medical treatment would snatch up Obamacare coverage and start getting primary care from regular (and cheaper) medical practices. Nice … More

    Side Effects: Small Businesses Still Left Empty-Handed

    One of the great promises of Obamacare, you’ll recall, was that it would give folks working in small businesses better access to affordable care.  “It works for small business owners,”   Nancy Pelosi announced, “providing access to affordable group rates and creating a tax credit for them to help them … More

    Side Effects: Fewer Flippin' Hamburgers at White Castle

    Yesterday we saw how Obamacare is leading large employers to contemplate dropping their coverage of employees.  Today we learn it will cripple businesses’ ability to create jobs for entry level workers. Thanks to Obamacare, low-skilled job seekers will find it even harder to find work.  And low-income areas will find … More

    Side Effects: What’s a Medical Expense?

    Vague statutory language can make laws hard to interpret and enforce. And that’s certainly true of the recently-passed Patient Protection and Affordable Care Act. Exhibit A: Obamacare requires insurers to spend at least 85 percent of group market premiums–and 80 percent of individual market premiums–on medical expenses.  The remainder goes to administrative costs and profits. But … More

    Side Effects: Higher Premiums from Adult "Children" on Parents' Health Plans

    This week, the White House issued rules for health insurers to extend dependent coverage to “children” up to 26 years old. Beyond keeping the “Big Kids” dependent on Mommy and Daddy, it also directly undercuts the President’s famous campaign promise that American families would see a $2,500 reduction in their … More