Column: Trumpcare 2.0 a Trojan Horse

Noah Weinrich

Rep. Tom MacArthur recently presented an amendment to the American Health Care Act to secure broad Republican support. But conservatives in the party should not be fooled: MacArthur’s replacement plan, “Trumpcare 2.0,” is a Trojan Horse. It gives states options to opt out of some Obamacare rules, but it leaves the Affordable Care Act — better known as Obamacare — comfortably in place.

While MacArthur’s plan may seem to have some constructive changes at first glance, the proposed measures would keep the worst parts of the ACA. One of the key provisions would shift the responsibility for decisions on healthcare standards to the state level. That means states could choose to opt out of the rules on “essential benefits” and “community ratings” by getting a federal waiver.

But there’s a catch. The default for states will be the same as it is now — keeping the ACA’s federal standards. Nobody wants to be the bad guy and take away popular rules. But Congress made this mess, so they need to clean it up.

The proposed provisions include a waiver program that lets states opt out of “essential benefits” — the ACA’s federally mandated services healthcare providers must offer. That includes a laundry list of items individuals have to pay for, like maternity care and substance abuse care — even if they’ll never use either service.

Another provision is a waiver for “community ratings,” the flip-side of the pre-existing conditions coin. The well-known “pre-existing conditions” clause of the ACA asserts that individuals with these conditions must be granted coverage. The community ratings clause says that this coverage cannot cost more than coverage for than any other person. But under this measure, healthy citizens who often can’t afford an increase must pay far more to support individuals who are already sick — effectively paying for more services than they’ll ever use.

Both of these waiver programs seem great at first. States would be able to opt out of essential benefits and community ratings. By eliminating excessive standards and burdensome regulations, states would bring premiums back down to affordable levels. But there’s a problem — many states probably won’t do it.

Repealing rules is hard work. By delegating to the states, Congress gets to avoid the difficult decisions. There’s a good chance that states will choose to stick with the option of more government — just like when Medicaid expanded. Congress needs to take a stand and fight for a bill that repeals the ACA’s measures nationwide. Obamacare has done enough harm already, and lawmakers can’t stand by and let it continue.

The ACA is killing Michigan in particular. Humana, the third-largest state provider, is raising premiums by 39.2 percent this year alone. Every single insurer is raising rates this year at an average of 16.7 percent, with no signs of slowing down.

That means a family paying $5,000 annually for health premiums will be paying an extra $835 this year — $1,960 if they were unlucky enough to be with Humana. That is unsustainable.

The proposed replacement bill won’t help these skyrocketing premiums. The Great Lakes State refused to opt out of the ACA’s Medicaid expansion, and there’s no reason to believe we’ll opt out of Obamacare’s harmful regulations should Trumpcare 2.0 pass.

Noah Weinrich is a junior at Hillsdale College and a Young Voices Advocate.