More than any other public policy issue, health care is very personal. So it is not surprising that personal stories are a central battleground for the public perception of the Affordable Care Act. And it is increasingly clear that this battle will be fought through the prisms of class and race.
The Affordable Care Act (ACA) would not have become law if it were not for the willingness of survivors of the nation's health care mess - people who had lost loved ones, fought to get care after an insurance company denial, faced crippling medical costs - to tell their stories to members of Congress and the press. Many members of Congress voted for the bill, despite the political risk, because they were moved by personal encounters with constituents with compelling stories. Many of the most effective spokespeople during the legislative battle over the law were people whose lives and livelihoods had been threatened by our defective health coverage system.
The second press bias is to take people at their word and not actually investigate them, particularly when they make good news. We have seen a lot of this in the coverage of people who have received letters from insurance companies telling them they are being forced into higher-priced plans.
Take Deborah Cavallaro, a real-estate agent in suburban Los Angeles, who's been onNBC Nightly News and Fox. Ms. Cavallaro is losing her current plan, which only covers two doctors visits a year and has a $5,000 deductible. She complained, "I'd be paying more for the exchange plans than I am currently paying," after an insurance broker told her she would have to pay $478 a month compared to the $293 she now pays. But with a little research, Michael Hiltzik of the Los Angeles Times found that after her income-based subsidy, Cavallaro would pay only $33 a month more for a plan which covers all her doctors visits and has a $2,000 deductible.
Cavallaro is typical of many of the people represented in the negative stories being run, in that she is white, suburban, and has a middle-class job. Reporters like Jonathan Cohn inThe New Republic have explored the shoddy media coverage of other stories whose subjects are similar to Cavallaro.
Which brings us to the third media bias, focusing on the white middle class. This is a general bias when it comes to the press, particularly when not reporting on government services or crime. In this case, it is a bias that will accentuate the problems with the Affordable Care Act and downplay its benefits to millions. As Cohn points out in another piece, there are some people who will pay more for comparable insurance plans under the new law. This is the small minority of people in the individual insurance market who, because they have been in good health and have enough income to buy insurance, have been able to find decent coverage at a price they can afford. Their good health has shielded them from big premium hikes or losing their coverage altogether, which will happen when they have a serious illness.
One of the few good news stories I found that focused on someone who will benefit from losing her coverage was about Gail Roach, an African-American woman from Pittsburgh. Ms. Roach is a retired school district employee who will save $500 a month after receiving her subsidy. A diabetes sufferer, she's been forced to pay a big premium because of her health condition.
The ACA's biggest beneficiaries are low- and moderate-income people, including poor people who have been denied Medicaid and people who work at low-wage jobs that don't provide health coverage, who will now get big enough subsidies in the exchanges to afford coverage.
In fact, the biggest group benefiting from enrolling in coverage under the Affordable Care Act are people who are eligible for Medicaid. In Washington State, for example, where the exchanges are working well, there have been 42,605 Medicaid enrollees, compared to 6,390 who have signed up for the exchanges. A New York Times article on how navigators are helping people to enroll in Kentucky tells the story of several people thrilled to be enrolled in Medicaid.
The Times article also reveals the bias against people who are on public programs like Medicaid by recounting the story of one "well-dressed woman" in Kentucky:
She had learned that she would be eligible for Medicaid under the new law, but she was unwilling to enroll because of what she saw as a stigma attached to the program. A substitute teacher, she wanted to know whether she could afford full-priced private exchange plans. "I don't want to be a freeloader," said the woman, who asked to be identified only by her middle name, Kay, because she said she was embarrassed about qualifying for Medicaid. "I believe in paying our way in life."
There may be a promising ending to Kay's story. Kay did sign up for Medicaid, saying that she would pay for routine doctor visits herself but have Medicaid as a fall-back if she really got sick. Will the experience of finally getting health coverage change Kay's views? Will she now be more secure, freed finally from the worries of huge medical debt if she gets seriously ill?
This gets us back to the personal politics of health care and how they will impact the political debate. Kay's U.S. senator, Mitch McConnell, who is up for re-election, has already dismissed the success of Kentucky's launch of the ACA by saying, "Well, 85 percent of the people who've signed up in Kentucky have signed up for Medicaid. That's free health care." Will Kay want to vote for a guy who will take away her newly found health security?
The next big political test for Obamacare will be whether it is a defining issue in the 2014 elections. That will depend both on the reality of people's experiences and what people learn about the law from the media, which will largely be shaped by personal stories. Since the law will have no noticeable impact on the coverage of 85 percent of Americans, Obamacare should not be a big election issue. But we know that opponents will use every negative story to keep the issue alive.
The most important task for supporters of the law will be to make sure that it does realize its promise of better coverage for millions of people. The more people who get enrolled and find, like Kay, Gail Roach, and even Deborah Cavallaro, that it is good for their health and their pocketbook, the better. Then supporters must forcefully fight to tell the personal stories of their success, even if it is boring, good news, often about struggling working families.
- Richard Kirsch (originally posted here).
In fact, I believe the health insurance industry is solely responsible for this current debacle. Had their letters to their insureds had explained that changes were needed to change policy in order to comply with current law. And along with that, provide their customers with estimates on both policy types, individual and policy offerings through the exchange. Hell, they have all the information before them to truly inform their customers….but of course that is too much like right….
Now that President Obama has essentially said that, the media hype is whether or not the insurance companies or state insurance commissioners will do what is right. But as far as I am concerned, they should not have a choice to conform to the new law or not….after all ACA was signed into law on March 23, 2010 and both insurance companies an state insurance commissioners had plenty of time to have gotten their houses in order regardless whether they expanded Medicaid coverage or not!