Granted, Charlie Baker runs a private (albeit non-profit) health insurer. Still, he makes the argument that before government begins competing with providers like his, it first needs to deal with the fact that America is getting older and figure out how to be less ridiculously complicated. He cites as just one example a recently enacted subsidy for unemployed workers on COBRA:
... [I]t's really not administered as an individual benefit. Instead, the employer and the health plan are required to figure out who's eligible and for how much over that period of time, to pay out the benefit/subsidy to the eligible individual, and to then claim credit for that payment on subsequent employer payments into Social Security. That's right - the employer and the health plan figure out who's eligible, for how long, and for how much. We then deduct the value of the subsidy from what would be someone's full COBRA payment, we then get reimbursed by the feds through a reduction in our FICA contribution. If this sounds complicated to you, it should - because it is. We spent a lot of money (like hundreds of thousands of dollars) just putting in the technology to keep track of all the moving parts.
And by the way, the form the feds developed for beneficiaries to fill out to claim eligibility is, ah, about 11 pages long and has so many "if /thens," "and/ors," and "must/must nots" associated with it, I wondered when I first read it about how many people would be able to determine if they were eligible or not. I didn't have to wait long to get the answer to that one. To date, we've sent out almost 4,000 letters, answered tons of questions and only enrolled a little over 100 people. Sheesshh. ...
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