But before partisans dance with glee or revolt and rebuke, everyone needs to realize one thing: The problem isn't just MNsure. Rather, MNsure is one of many complex problems that partisan politicians at the state and federal levels find easier to use as political clubs than work together to solve.
And, no, the answer is NOT to scrap the entire Affordable Care Act. It has increased access to coverage and continues to raise awareness of costs. The reality is, though, key parts of if need to be revamped at the federal level.
Until that happens, MNsure is a bad investment for taxpayers and something that will always suck all the political air out of the room. From the
Don't kid yourself. Shuttering MNsure will do very little to stem the skyrocketing prices (and limited choices) consumers experience on the exchange. The fundamental forces driving those conditions are too many consumers with high health-care costs and too few healthy people paying premiums but not needing care.
That's why insurers are opting out of not just MNsure, but exchanges in other states. Plus -- and this is critical -- it's why similar rates offered through the federal exchange also are rising, albeit not by up to 67 percent for 2017 as experienced through MNsure. For example, the
Clearly, that's not working. Perhaps a more stringent penalty is needed or a carrot, not a stick. Regardless, federal lawmakers need to find ways to get more of these people swimming in the pool of insured Americans.
Similarly, changes need to be made to keep insurers interested. Many are dropping out, citing massive losses. A solution for that could be to limit a company's losses and have the federal government pick up the bill once the limit is reached.
Again, though, too many lawmakers want to play politics instead of craft effective policy.
While MNsure rates originally were among the nation's lowest, big increases three years in a row now put the state in the middle of the pack. Plus, not only are insurers dropping out, but those that remain are capping the number of people they will enroll. Those factors are largely why Minnesota Commerce Commissioner
Again, it's time to move away from MNsure and transition to the federal exchange. Quite simply, the state exchange's costs continue to outweigh its benefits.
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