Three years ago, the Commonwealth of Massachusetts enacted a far-reaching health reform law that politicians and the media hailed as a model for other states and the federal government. Indeed that law has become the major blueprint for health system change on a national scale, and its advocates are aggressively marketing some variation of the Massachusetts plan as the reform of choice. Until recently, there has been little analysis of how the law has worked. This is the second in an occasional series of posts that will explore the Massachusetts law with an eye toward helping the press and the public understand the flashpoints as legislation based on the Bay State’s experiment winds its way through Congress. The entire series is archived here.
Last summer, The Boston Globe reported on a poll by the Harvard School of Public Health and the Blue Cross Blue Shield of Massachusetts Foundation that examined what Massachusetts residents think about the state’s health insurance law. “Support for law varies, poll shows,” read the Globe’s headline. The lede went further:
More than two-thirds of Massachusetts residents support the state’s two-year-old near-universal health insurance law, according to a new poll, but consumers most directly affected by the law are significantly less enthusiastic.
The Globe reported that 69 percent of those surveyed backed the law while only 52 percent of those who have been affected by it did. Most residents didn’t want to scrap the law, although an increasing number said it was hurting some groups that it was supposed to help, like the poor, the uninsured, and small businesses.
The paper, however, left out a crucial stat—only 37 percent of residents who are affected by the law (that is, those who were uninsured, had to get insurance, or change coverage) actually support the law’s sine qua non, its individual mandate. Fifty-six percent of those affected opposed the mandate, while 6 percent said they didn’t know. An enforceable individual mandate is emerging as the centerpiece of any national health reform effort, so knowing the opinions of those people most affected is important in selling such a requirement to the American public—including the nearly 50 million now uninsured.
Those opinions are not often reported these days, since the press tends to unquestioningly accept the positive spin from the law’s numerous cheerleaders. In a report issued last December, the Foundation, which mothered the law into existence, noted:
The majority of residents even favored the individual mandate, a very controversial aspect of the new law. The survey found that nearly 60 percent supported the mandate, even though it requires nearly all residents to obtain health coverage.
Ah, the 58 percent figure! But where was the more telling number—the 37 percent affected by the law who did not favor the mandate? Not in the report.
Since the press has a penchant for official pronouncements, it’s not surprising that two stories NBC Nightly News aired in early January gave viewers the impression the law was an overwhelming success. “The health reform effort has exceeded the expectations of those who backed it,” correspondent Robert Bazell reported. To make his point, he featured a young woman with breast cancer who was now able to pay for treatment. But this woman’s story had already been told, in an upbeat 2007-2008 progress report published by the state’s Health Insurance Connector Authority, which governs the program. Bazell told his viewers: “With the experience of people like Jaclyn Michalos [the patient], it’s not hard to see why the program is so popular.”
New health care reform proposals that will require citizens to spend good money, to purchase questionable insurance, to participate in the health care system that has failed so many Americans, are harsh and counter productive.
Most politician’s, and spokespersons for insurance, drug companies, health care providers, their publicity directors and lobbyists are ignoring a crucial fact as they present their reform proposals that will mandate that everyone purchase insurance.
ALREADY MANDATED MEDICARE MEDICAID AND HEALTH CARE FOR EVERYONE CAN ONLY BE ACCOMPLISHED IF A NEW LOW COST OPTION FOR DELIVERING HEALTH CARE IS CREATED
The Veteran’s Administration model, run by the government, has been providing care for qualified Veterans for years, totally free; including all prescribed treatments and medications, with total transferability between regions, and it has no restrictions for any preconditions.
Costs of health care paid for by government programs, (Medicare-Medicaid etc.) could be reduced, to a fraction of their current expenditures, with better outcomes, if the services for these programs were delivered from a VA style National Health Care System.
Offering everyone the choice of either using a free, government, owned and operated, VA style civilian National Health Care System, funded by a national sales tax:
Or the alternate choice would be for individuals and businesses to continue to pay for and use private systems for care.
“Stemming the overuse and misuse of health care alone would trim at least $450 billion a year in health care costs — four times the amount needed to cover health care access for the uninsured.” Said former Senate Speaker Dr.Bill Frist, as quoted by writer Scott Takac in a Nashville Banner story on April 29, 2009 .
A VA style National Health Care System, which controls the problems with access, cost, quality, and malpractice, is THE solution for America ’s healthcare problems.
Businesses choosing national health care as the provider for their employees would free them from being involved in any way for the health services their employees receive.
The Best Care Anywhere is an article by Phillip Longman that documents how the VA was transformed by Dr. Kizer, into a system that is producing the highest quality health care in the country.
The system could be jump started by acquiring health delivery systems around the country that would choose to sell to the new National Health Care System.
President Clinton signed a bill in 1996 to “furnish comprehensive medical services to all veterans, regardless of their income or whether they had service related disabilities.”
President Clinton ended my health care nightmare when comprehensive medical services became available to all Veterans.
The entire countries health care nightmare can be ended by creating a VA style National Health Care System option for everyone who would choose to use it and it would save taxpayers a fortune in the process.
#1 Posted by Bill Watson, CJR on Tue 5 May 2009 at 12:01 AM
Those opinions are not often reported these days, since the press tends to unquestioningly accept the positive spin from the law’s numerous cheerleaders. In a report issued last December, the Foundation, which mothered the law into existence.
#2 Posted by Kally, CJR on Wed 6 May 2009 at 08:27 AM
The fact that 204,000 Massachusetts residents didn’t have health insurance on Dec. 31, 2007, is neither surprising nor unexpected. The Bay State’s landmark healthcare reform effort makes no claims that it will require everyone to have insurance. Those who must buy are those who can afford it. That is why the goal is near-universal coverage. With the percentage of uninsured the lowest in the country at 2.6 percent, Massachusetts now finds itself virtually on par with countries such as Holland and Switzerland, where the goal is to insure everyone. Those countries have uninsured rates of between 1 and 1.5 percent.
Shared responsibility among government, employers and individuals is the cornerstone of our effort. We subsidize insurance for about 170,000 low-income workers not to keep them entrapped in poverty, but to help them get the preventive care that has eluded them for years. And as they earn more, they pay more. Would the writer have them pay less or have everyone pay nothing at all?
The writer is also disappointed that NBC would choose to highlight the case of a 28-year-old woman whose new coverage helped her fight breast cancer. She expresses her dismay by noting that the young lady’s story had already been told in a healthcare reform progress report. The press run for that report was a grand total of 5,000. Does that mean that the 303,824,635 Americans who didn’t get a copy should not hear about it?
In her two postings, the writer likes to point out important facts that are being left out of media reports on our success. She is guilty of that, too. She refers to a newspaper story that highlighted a 17 percent increase in emergency room usage and concluded that the problem is more complicated than “simply mandating insurance.” What she didn’t tell anyone is that the penalty for not having insurance didn’t kick in until three months after the time period used in that study.
We agree that those who are looking under the hood of Massachusetts healthcare reform should put it under a microscope. There are plenty of lessons to be learned, but we will only learn if we have all the facts.
#3 Posted by Richard Powers, CJR on Fri 8 May 2009 at 12:35 PM
Thank you for this interesting and informative article, Ms Lieberman. A local doctor in my town has a son at Columbia and told me about your writing on this state insurance law. I live in Mass. and am still trying to figure it out. I never thought it was as good as some politicians were trying to make it sound (Senator Dick Moore is in my area).
A local business paper in my area of Worcester Mass. ran an article 3/30/09 that seemed more balanced than most coverage I've seen of the state's insurance law. I know a lot of people who have insurance in Mass. now who didn't before but the deductibles and co-pays are keeping them from getting the care they need--they can't afford the care because they have to pay so much for the monthly premium in order to not get fined. It's crazy.
From what I've read, it seems like this is a ridiculously expensive, unsustainable and unfair law. Healthcare costs were already killing us. Individuals, families, and businesses (I'm a small biz owner) and also state taxpayers deserve to have our money spent wisely and cost-effectively but that's not what the private insurance industry is doing with our healthcare dollars. Everywhere I turn I see and hear ads for this or that insurance or HMO. And then this mandated insurance law gets passed denying us any choice of a public insurance option--that's crazy.
It seems unethical for Mr Richard Powers to comment here and not disclose that he is a paid cheerleader for the law. As a Mass. taxpayer I resent paying the salary of Mr Powers to be a spokesman for this wasteful and harsh state program. He's the PR person for the Commonwealth Insurance Connector, a part of the mandate law that added a whole new expensive layer of bureaucracy to the healthcare system--we need less bureaucracy, not more!
Below is from the article in the WOrcester Business Journal http://www.wbjournal.com/news43088.html
"Richard Powers, a spokesman for the Commonwealth Connector Authority, which oversees the reform effort...
Of course, not everyone is convinced that the reform is a big step forward for health care in the state.
A recent study by the liberal Physicians for a National Health Program criticized the program for failing to substantially drive down health costs. Using a state cost estimate that includes not just Commonwealth Care spending but also Medicaid rate hikes, money for the state’s free care pool and other expenses, the study claims estimated costs of the reform hit $1.1 billion in fiscal 2008 and $1.3 billion in fiscal 2009.
The study argues that more substantive reform, such as a government-sponsored single-payer system, is necessary to effectively reduce costs."
From how I see it, why can't the public have a choice of a program like that--so-called single payer that's also known as improved Medicare-for-All? It would be a public insurance plan that lets you choose from private doctors and hospitals. Sounds good to me and most people I've talked to. Problem is the insurance companies wouldn't let it happen here in Mass. so I expect they'll fight it on the national level, too.
What are we hard-working small business owners and other Americans who just want a fair deal on healthcare to do?
#4 Posted by Brett Rockefeller, CJR on Sat 9 May 2009 at 12:43 AM
The Massachusetts healthcare law is an abomination. I was fined $911 in April for being uninsured last year. My employer doesn't offer health insurance, and at age 48, I can't afford to buy a policy in the individual market. Ironically, my employer is the Commonwealth of Massachusetts. The state that mandates coverage refuses to cover its own workers! This law has been a boon to private insurers, since it mandates everyone into a corrupt and inefficient system of disease management and wealth extraction, but the truth is, it hasn't benefitted MA residents at all. Mitt Romney hailed this as a "free market" approach, but in a free market consumers have the ability to reject products of poor value. This is hardly the case here, where the mantra is "buy this crap we'll hurt you". There is no doubt that Chapter 58 is exacerbating the state's economic woes and punishing the middle class. Our politicians continue to fiddle while Rome burns and citizens die from preventable causes. This situation will eventually lead to revolt. As the bard said: "Cry Havoc and let slip the dogs of war!". The sooner the better from my perspective.
#5 Posted by Ron Norton, CJR on Sat 9 May 2009 at 08:41 PM
This sounds like a great law. Whatever money you have scrimped away for your family must now be given to the insurance industry. Yea, this is our free market alright. Or more accurately, this is what our corrupt political system has bought us. After the $46 million in campaign contributions the industry gave to congress in 2008, expect a similar law across the nation.
Or not, if people from every state is willing to ask their two senators to intervene with the Max Baucus senate finsance committee giveaway to the industry.
Jack Lohman
http://MoneyedPoliticians.net
#6 Posted by Jack E Lohman, CJR on Sun 17 May 2009 at 04:20 AM
Are you aware that:
-The Massachussetts mandatory health insurance law was based on false numbers that were provided by the insurance companies themselves in order to drum up more business from the government?
-The number of the triumphantly touted "newly insured" overwhelmingly consists of fully subsidised insured and unverified "employer based"?
-In order to obey the law, anyone applying for state susidized insurance must sign an agreement that says, "I understand that if I am aged 55 or older, after I die, Masshealth may be able to get back money from my estate."?
-The "Mandate" calls for unfairly harsh punishment of the uninsured. The state penalty for being uninsured ("individual mandate violators") in 2009 is $1,068. per person (that's $2,136. per couple.) This is more than the fines for virtually all criminal violations including: driving with a suspended license ($50 fine), violation of the child labor laws ( $50 fine), assault with intent to murder or maim ($500 minimum fine); and domestic assault (a maximum $1,000 fine.) Fines are based on a percentage of the base cost of insurance, and so will rise as the years go by?
-Nineteen new state agencies have been created as a result of the law. If that's not "government takeover" for the benefit of the insurance industry, I don't know what is.
-At the time when this law was passed there was an active and valid petition with the intent of providing real heathcare to all citizens, minus the burden of the established for-profit bureaucracy that wastes money, time and lives. The power-broker's bill was passed quietly and quickly, while denying the Mass. Single Payer House bill (H.755 ) a hearing as was required by law. The final bill was quickly devised with little to no public disclosure until the day it was enacted and signed into law. Even then, there was scant reporting of the details except to threaten residents with stiff penalties if they did not enroll by a date certain.
-Curiosity by the press and the lawmakers themselves has been stirringly absent. What information that did find its way to the public was only from self-congratulatory, official press releases which were happily digested and spat back out by a bought media. To this day, the same method of reporting continues.
- Someone has to pay for this and guess who will be picking up the tab for this "Big Dig" of health care? It's the taxpayers (federal and state) and the penalty payers who can't afford insurance in the first place.
-Working and middle class tax payers get no help and are forced to purchase insurance on the open market. This can cost up to and over 20% of an individual's or a family's income and is guaranteed to increase yearly. This is deemed "affordable" by the Connector, and yet is not within the financial means of hundreds of thousands. There is also no help for those for whom employer-based insurance will just not fit into the household budget.This is a painful "between-a-rock-and-a-hard-place" problem and forces many to accept being a criminal or pay the tax penalties that may also be unaffordable.
-"Hardship exemptions" in order to avoid penalties are strictly limited to such calamitous events as homelessness, death of a spouse, domestic violence, "You have a large increase in expenses in the past six months due to a fire, flood, natural disaster, or other unexpected natural or human-caused event causing large damage to you or, your home, or your property or personal possessions", "You can establish that the expense of purchasing health insurance that meets minimum credible coverage would have caused you to experience serious deprivation of food, shelter, clothing or other necessities."
There is so, so much more that is wrong with the Massachusetts mess. Please have a good look and you will see that it is NOT a model for the country. The people should not accept this or anything like it.
Of course, it's all
#7 Posted by NEV, CJR on Sun 17 May 2009 at 02:36 PM
I remember when Massachusetts touted its Mandated Healthcare for everyone and heard all the Yes-Yes-Yes praise reported: mainly from Single moms and people with Large Families (Read as More than 3 kids)
Then the Plan was enacted.
Then there was SILENCE. Here in NYC, I never heard another peep about it. It's the Media Silence that bothers me. A friend in Boston tells me that when he was a consultant, he had to pay $300 a month out of pocket for his separate Health coverage before he got a job with healthcare.
If such a plan were enacted here in NY, a lot of professional single people who are ABOVE poverty but WAY BELOW AIG Executive pay levels would suddenly find themselves strapped for cash for everyday needs. And we don't care what happens to the poor: Medicaid already takes care of them. Medicare already takes care of he Elderly. Child Health Plus takes care of the stressed families in the middle. But Us Single Workers would get shafted every month.
And for what? Increased profit revenues to Insurance Companies through Mandated Premiums for EVERY WORKING AMERICAN?
That's not Healthcare for All. That's Guaranteed Premium Revenue for every Insurance Company in Existence!
It's like a Single Adult is being punished because he or she didn't fill their home with kids. And HELLO! We're ALREADY subsidizing the Child Health Plus crowd, the Medicaid Crowd, the Medicare Crowd and the Insured Crowd with the taxes already taken out of our paychecks every week!
This is not good policy.
#8 Posted by Lonnie in Brooklyn NY, CJR on Tue 26 May 2009 at 12:41 AM
What concerns me more than the law itself and its punitive mandate is the complete lack of public outcry. Where are the protestors picketing the Governor's office and the state legislature? Where are the individuals claiming claiming religious exemptions? Why aren't more people claiming religious exemptions to avoid the fines and penalties? Why are so many people accepting that the government is corrupt and the inusurance companies now own us? I am a professor of communication living in Massachusetts and working in Connecticut. For years, I was uninsured, working at several different teaching jobs part-time while working weekends at one of the corrupt local media mouthpieces that refuses to report anything negative about this mandate. If I had not gotten a full-time job in 2007, I would have been one of those single people victimized by the mandate, forced to pay hundreds of dollars a month for a "junk" insurance policy I don't want and would never use. What does anyone need an insurance policy with a $2,0000 deductible and monthly premiums of more than $260 (I'm in my 40s)? That money could be put into a high-yield savings account or used to buy bonds, mutual funds, or even certificates of deposits. That money could be used to pay for actual medical costs! Why are all the politicians I have spoken to in this state so completely opposed to hearing any criticism of the law? Who bought them off and how has this been allowed by the people? We are in big trouble. What's next? What will the government force us to buy with our take home pay now that it knows we will simply roll over and accept a profoundly unjust and draconian law like the mandate? We need to get organized. Who needs to organize? Everyone who knows this law is unfair, everyone who knows that this law is a way to steal from the working people to line the pockets of the insurance industry and maintain the government status quo that controls the residents without fair representation or constitutional consideration. What are we, the people, going to do about this, especially now that this law looks to be going national?
#9 Posted by Dee in Massachusetts, CJR on Mon 3 Aug 2009 at 01:56 PM