With one vote, the GOP-led House will consider whether to delay the so-called "employer mandate" -- the requirement for businesses with 50 or more employees provide health care coverage or pay fines of $2,000 per employee.
The House will also vote on whether to delay the "individual mandate," which requires most Americans to acquire health insurance or pay a fine.
From the Governor's Office:
Today, Governor Andrew M. Cuomo announced that the Department of Financial Services (DFS) has approved health insurance plan rates for 17 insurers seeking to offer coverage through New York’s Health Benefits Exchange,
Last year, Governor Cuomo took action to issue an Executive Order establishing the New York Health Benefit Exchange, which is expected to help more than one million uninsured New Yorkers access quality, affordable health care coverage.
Consumers and businesses will be able to choose among plans in four easy-to-compare metal tiers (bronze, silver, gold, and platinum) on the exchange. The plans within each metal tier will have standardized contract terms and product offerings, making it easier for consumers to truly comparison shop and encourage real price competition among insurers.
Previously, New York insurers offered more than 15,000 plans that widely varied in terms of level and quality of coverage provided – which encouraged ‘competition through confusion’ and made it difficult for purchasers to effectively compare plans side by side.
“The approval of health plan rates marks a significant milestone for the New York Health Benefit Exchange,” said New York State Health Commissioner Nirav R. Shah, M.D., M.P.H..”
On average, the approved 2014 rates for even the highest tier of plans individual New York consumers could purchase on the exchange (gold and platinum) represent a 53 percent reduction compared to last year’s direct-pay individual rates. The fact that these average individual rates are effectively being cut more than in half is primarily because a greater number of uninsured individuals are expected to obtain coverage in the individual insurance market – lowering overall premiums. (Note: That 53 percent reduction does not include the impact of federal financial assistance for individuals meeting certain income thresholds who are purchasing coverage on the exchange, which would lower costs even further for many consumers.)
For approved 2014 small group plan rates, existing premium rates do not provide a functional year-over-year comparison. In 2013, insurers offered more than 15,000 different small group plans that significantly varied in terms of the quality and level of coverage provided. This year, insurers are offering standardized contracts and product offerings within metal tiers (bronze, silver, gold, and platinum).
The approved small group rates, however, are generally lower than indicated by the estimates of other independent forecasters. The average approved small group rate in New York for the benchmark “silver plan” is well below (nearly 32 percent lower) the nationwide average previously forecast by the independent, non-partisan CBO – notwithstanding the relatively higher per capita health care costs in New York compared other states. Moreover, a number of small businesses will be eligible for tax credits that would lower those premium costs even further.
The following companies had health insurance plan rates for the health benefits exchange approved today by DFS. The rates approved today are subject to final certification of the insurers’ participation in the exchange.
· Affinity Health Plan, Inc.
· Empire BlueCross BlueShield
· Fidelis Care
· Healthfirst New York
· HealthNow New York, Inc.
· Independent Health
· United Healthcare
Individuals with incomes below 400 percent of the federal poverty level ($45,960 for individuals and $94,200 for a family of four), could qualify for financial assistance that lowers cost of coverage. Enrollment for the exchange begins on October 1, 2013 for coverage that will be effective January 1, 2014.
For more information about the New York Health Benefit Exchange, please visit, HealthBenefitExchange.ny.gov.
The employer mandate was already effectively delayed by the Obama administration itself, so the administration could have more time to simplify the reporting requirements and take some burden off of small businesses.There's some question over whether the administration has the authority to make that move without Congress' consent.
"He's decided there was a provision of the law that he didn't want to enforce and then went ahead unilaterally and decided to do that," House Majority Leader Eric Cantor, R-Va., told CBS News' Nancy Cordes in an interview Tuesday.
Wednesday's votes, however, are primarily about larger, political points. For one thing, Republicans are charging that Democrats are putting business interests ahead of the middle class -- this, of course, is a line of attack typically employed by Democrats against Republicans. Furthermore, the GOP is trying to drive home the basic message that the implementation of the Affordable Care Act is simply a mess.
"Over the weekend, the Democrat leader in the Senate said the president's health care law has, quote, 'been wonderful for our country.' Are you kidding me?" House Speaker John Boehner, R-Ohio, said on the House floor Tuesday. "The law isn't wonderful, it's a train wreck. You know it, I know it and the American people know it. Even the president knows it. That's why he proposed delaying his mandate on employers."
Boehner continued, "It's unfair to protect big businesses without giving the same relief to American families and small businesses."
House Minority Whip Rep. Steny Hoyer, D-Md., told reporters Tuesday that he expects most Democrats to vote against both mandate delays. The employer mandate delay, he said, is unnecessary and redundant, given that the administration has already delayed it. Delaying the individual mandate, meanwhile, would hurt millions of Americans who need health care, Hoyer said.
till, at least some Democrats will break with the party. Furthermore, the vote gives Republicans the opportunity to point out that while they may not have voted for the employer mandate delay, House Democrats have generally been supportive of the administration's decisions.
Both the employer mandate and the individual mandate were originally slated to go into effect at the start of next year -- and the individual mandate still is. The many moving parts of Obamacare were designed to work in concert with one another, so delaying the employer mandate could have some ripple effects on the rest of the law's implementation. For instance, it could impact which Americans are exempt from the individual mandate, or who gets subsidies to purchase insurance on the exchanges.
Cantor contends that the delay of the employer mandate is a harbinger of problems to come. "They clearly have a provision of the law that will not work, and they say it's not ready now," he told Cordes. "We say it will never be ready... These are unworkable provisions which have unintended consequences that are not good for jobs, they're not good for health care and it's not good for the fiscal health of our country and our economy."
Given that the full Obamacare rollout will still be underway by the time the 2014 midterm campaigns start -- and the fact that many Americans remain uncertain about the law -- it's no surprise Republicans are keeping it a campaign issue.
"Look, this is a big, controversial issue. It's not going away," Senate Minority Leader Mitch McConnell, R-Ky., said on NBC's "Meet the Press" on Sunday. "It's, in all likelihood, going to be the premiere issue in the 2014 election. The American people dislike it even more now than they did when it was passed. And they hope that the Congress will respond to their desire to stop this train wreck before it happens."
The 2014 elections could also see debate over another part of Obamacare -- the option for states to expand Medicaid, the joint federal-state health care program for disabled and certain low-income people. Several Republican-led states have decided not to expand Medicaid, even though the federal government would pick up virtually all of the tab -- something the Obama administration plans to point out to consumers. There's no deadline for states to come to a decision on the Medicaid expansion, and it remains a point of controversy. In some states like Arizona and Montana, voters are trying to finalize the matter with 2014 ballot initiatives.