Dr. Ricky Fishman, Chiropractor, Ergonomist

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Random thoughts on Travel, Education, Health, and the World in General

Obamacare and the Shifting of the American Mind

The first order of business for Donald Trump and the Republican party was to “repeal and replace” the Affordable Care Act (ACA), commonly known as Obamacare.

Obamacare was the signature piece of legislation of President Obama’s eight years in office.  In terms of historical significance, it has been compared to Social Security and Medicare. It was a big leap–and a messy one.

Moving toward universal coverage

President Obama’s primary goal as president—along with getting the sinking ship of our economy upright and afloat—was to move our country toward universal health care coverage.

And he knew that he had two years to do it.  The Senate and the House were in Democratic hands, and how things might turn in the 2010 midterms was a complete unknown.

The President understood that there were powerful forces controlling our health care system: the pharmaceutical, hospital, medical device and insurance industries.  They would have to be given front row seats at the negotiating table. With less power, and seats in the balcony, were health care providers, union workers, patients and patient advocacy groups.

The president understood that to ultimately achieve the goal of universal coverage, he would have to compromise with the big players and, at very least, pay lip service to the less powerful.  The result of all this maneuvering was the Affordable Care Act.

What is the ACA?

The ACA is a very complex piece of legislation. It runs to almost 11,000 pages.  Amidst all this print are several key provisions which are highly relevant to patients, as well as to politicians who have made the ACA into a political football.  These include:

—Subsidies for low income people to pay for their insurance plans.

—A mandate that all people, even the young and healthy, must buy insurance or face a fine (to be paid to the government through their tax returns).

—The elimination of the pre-existing condition clauses, which had previously allowed insurers to deny coverage to those with prior medical problems and/or diagnoses.

—Expansion of Medicaid coverage for states to help insure their most economically vulnerable citizens.

The problems

In the selling of the ACA to the public, Obama and his administration made several misrepresentations.  The most egregious was the promise that people would be able to keep their doctors within the new plans.  This was simply untrue.  Many of the new insurance products offered were restricted Health Maintenance Organizations (HMOs). They had very narrow networks which meant that many people could NOT keep their old providers.

Next, premiums on middle class consumers rose quickly, forcing many in this demographic to downgrade their health plans.  This meant shifting to plans with very high deductibles (up to $10,000), and poorer coverage.

Thirdly, as these middle class people had to live with lower quality care, they were also being hit with increased taxes to pay for those being subsidized.

These problems were exacerbated by the departure of insurers from the marketplace.  These companies—Aetna, United Health Care and Cigna to name a few—started to exit because they were losing money on their ACA products.  These losses were caused by an influx of chronically ill patients, generating high expenditures, that were not offset by the projected participation of young, healthy people.

With the exit of those insurers, competition decreased, pushing premiums even higher.

The benefits

As a result of the ACA, up to twenty million people who were previously uninsured are now covered.

For many of these people, this has literally meant the difference between life and death.  Life threatening diagnoses often go undetected because people without insurance cannot afford to visit the doctor.

In addition, there are many provisions in the legislation that focus on preventive health screening, wellness visits and other measures designed to prevent rather than treat sickness.  This results in a healthier population, and reduced health care costs going forward.

Why do Republicans hate the ACA?

From the moment Barack Obama became president, the Republicans agreed–under the directive of Senate Minority leader Mitch McConnell—to block any and all of the president’s initiatives.  One can only speculate about the underlying reasons for this: Obama was a Democrat, an Ivy League “elitist”, he had a Muslim name, he was Black.  He was all that they were not.  They claimed he was a socialist; that he was not even born in the U.S. He was suspect.

Naturally, Obama’s attempt to broaden health coverage to include the 40 million plus Americans who were uninsured was vigorously resisted.

The power of language

President Obama’s ultimate goal was to give every person in the United States health care coverage.  Yet he understood that the change would have to be incremental. Against all odds, he passed the ACA.

It is a highly imperfect bill.  The brunt of the cost, as usual, falls on the middle class.  The greatest beneficiaries have been lower-income people, who have finally been able to secure health care with the tax subsidies provided by the middle and upper class.

But in many ways, Obama’s biggest accomplishment has been the insertion into the national conversation of the words “universal coverage”; i.e., that health care is not just a privilege for those who can afford it, but a right of all citizens. Indeed, the United States is the only major country in the world that does not offer this protection to its people.

The arc of history

Today the Republicans, under Donald Trump, are attempting to “repeal and replace” Obamacare.  The plan they have come up with, according to the analysis of the Congressional Budget Office will cause tens of millions of people who gained insurance under the ACA to lose that coverage.  It will also transfer wealth, via tax relief, to the wealthiest Americans.

The response has been outrage from both sides of the political spectrum.

Martin Luther King once said, “The arc of the moral universe is long, but it bends toward justice”.  Seen in this light, the fight for universal health coverage is on and of that arc.  Once people get a taste of freedom; once they are relieved of the fear of becoming destitute because of a health care crisis, they will not go back.  They may be pushed back, their rights to health care may be taken away from them, but the knowledge of how it can be and what it should be, will remain.

The fight for universal health care is not unlike the struggle for other civil and human rights—women’s rights, voting rights, LGBT rights, the right to practice one’s religion without fear of persecution.  Our history is marked by the many battles for these freedoms.

Resisting the flow of history is like standing on a beach, hands outstretched, trying to stop the waves.  Those waves will crash over and past you, and leave you with nothing but wet and empty hands. It is a futile exercise.

President Obama is a student of history. He understood that to change the world, he first had to change consciousness.  He accomplished this with the ACA. With his words and his actions, President Obama shifted this nation’s idea of itself.  No matter what comes of this battle, “universal health care” and “health care as a right and not a privilege” are now concepts embedded in our American minds.

Wars have been fought over less.

Copyright 2017 Ricky Fishman

Dr. Ricky Fishman has been a San Francisco based Chiropractor since 1986. In addition to the treatment of back pain and other musculoskeletal injuries, he works as a consultant in the field of health and wellness with companies dedicated to re-visioning health care for the 21st century.

3 thoughts on “Obamacare and the Shifting of the American Mind

  1. A very useful, clearly articulated brief rundown of the ACA: its history, pluses & minuses, and likely ultimate legacy. You make an excellent point re Obama having installed ‘universal health care’ in the collective sensibility, to go along with life, liberty & the pursuit of happy times as an American birthright. Indeed, tRUMP & the racist -to-the-bone Republican legislators surely rolled up front’n’centr a short-fused, live powder keg with their alternative anti-ACA health plan. Properly denied of momentary health insurance they never had before, the tRUMP base (along w/ millions of others on the short end) will have torches lit. Same will happen when earned benefits like Social Security and Medicare are siphoned. https://www.amazon.com/Fire-Next-Time-James-Baldwin/dp/067974472X/ref=sr_1_1?s=books&ie=UTF8&qid=1490047077&sr=1-1

  2. Debbie Benjamin says:

    An important reason why so many insurance companies dropped out of the exchanges, was the elimination of subsidies, (which were written in and garenteed in the federal budget). Legislators such as Marco Rubio, December 2015, were able to sneakily, pull out the funds for the insurers. They were to be a “cushion ” until the law picked up steam. Unfortunately we rarely hear how the ACA was undermined by Republican lawmakers. The public should know!!

  3. Leslie Drapkin says:

    The light you shed on the ACA was helpful. As an employer in a small business it has been a daunting and difficult transition to the existing care. With it, we feel the weight of an encyclopedic laundry list of special interest groups including insurance and drug companies, device and equipmentmakers along with their lobbyists and politicos that throw billions to stay in the legislative ring. I can hardly imagine what the next changes will bring except more of the same, unfortunately less the people and families that need it the most. As our health care systems economy is bigger than the economy of many countries, it stands to reason that the navigation of this huge ship will be slow, hopefully allowing us time to open our eyes and focus on a necessary fight for universal health care.

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