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Want to get out of PPACA compliance? Offer a mini-med plan.

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Posted January 31, 2011 by By Kelley M. Butler at 01:58PM. Comments (47)

So, it sounds like some of those folks who bemoaned the Patient Protection and Affordable Care Act as the death knell of mini-med plans needn’t have worried so much.

Because it sounds like all you have to do to escape complying with the reform provision that bars annual limits on health coverage is: A. Offer a mini-med plan and B. Apply for a waiver freeing your plan from coverage limits.

It seems the waivers are being handed out fast and loose by the Health and Human Services Department. As of Dec. 10, HHS had approved a total of 733 waivers, Business Insurance reported last week. That number is way, way up from the 30 or so waivers reported last October.

From 30 to 733 in just two months? If only all of government worked that swiftly.

Since President Obama has said he’s open to “tweaking” health care reform, perhaps he might start with the prohibition on annual limits? Seems he’s done plenty of tweaking to that provision already.

What do you think? Share your thoughts on the wave of waivers and the future of mini-meds in the comments.

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Posted by: jack j | March 23, 2012 11:31 PM

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Posted by: Daniel B | February 2, 2011 4:43 PM

Elaine:Clever cartoon and like your sense of humor. However, ad hominem and 'straw man' arguement is not good logic. Your obese charactature is going to get some sort of medical care one way or the other. Do you really think that giving him, and millions more like him, a givernment policy is going to control his 'cost' to the rest of us? of course not. To the extent that the cartoon points out that I am "insuring" him already it is correct. That is not the issue and you are apparently missing that point. The issue is that the Federal government has no constitutional authority to be mandating a citizen's particiaption in commerce. If we allow that then it is a very easy and short step the Washington being able to demonstrate a "compelling interest" in forcing us into all kinds of commerce in order to 'control costs'. That Elain is the point. This is the current 'crisis' from which Obama has 'resuced us'. "Never waste a good crisis." Rahm Emmanuel. What will be the next one Elaine? Allow more competition in health insurance coverage across state lines, limit severly malpractice awards and allow the states to administer public health prorams autonomously and get Washington out of it.

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Posted by: Jacqueline P | February 2, 2011 10:04 AM

This country already has a health care cost crisis, many people pay for the uninsured now. Social Security for those turning 65 is under funded. Medicaid for income challenged families is subsidized by the federal government. We have a national problem where health care is concerned. This is a start. Social Security has been amended many times since it passage in the 60's. Medicaid has been admended since its passage. PPACA can be tweaked to make it work. Preexisting conditions being denied coverage by insurance companies should be regulated. Even while PPACA was being passed health insurance premiums for individuals and families was going up. The health insurance industries is not trying to do anything to reduce cost. Over weight people ought to pay a even higher premium for deciding to keep eating. Smokers ought to pay a even higher premium for deciding to keep smoking and not quit. We have issues in this company that the State and Federal government is telling us what to do. The government tells us we can't text and drive, we can't drive without insurance, if you don't take care of a ticket fast effort you are fined, if I want to homeschool my child, the government tells me how I must do it. The government regulates many facets of our lives. Health care is no longer an individual concern, it has national consequences. When does it become important enough to do something about it.

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Posted by: Elaine B | February 1, 2011 3:17 PM

Daniel, sounds like you prefer this approach: http://www.kaiserhealthnews.org/Cartoons/2011/February/Cant-Make-Me.aspx. Is that the "liberty" you prefer?

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Posted by: Daniel B | February 1, 2011 2:48 PM

"Quinnscommentary" is correct in content but not in principle. The fundamental flaw with Obamacare is much deeper than the its erroneous approach to addressing 'costs' - on which point I will respectfully defer to "Quinn" and others who presumably know much more about such things than I.The fundamental flaw - and this is abundantly clear by Mr. Obama's sudden disingenuous willingness to 'tweak' the law- is that he and all those who enthusiastically supported legislation they had not read, much less given any serious thought to "unintended consequences", still have accomplished their goal of an incremental and permanenct growht in the cost, reach and intrusiveness of the federal government into our lives and Liberty. This is because he believes, without any presumtion to his motives, that government is the answer to people's problems.

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Posted by: Richard Q | February 1, 2011 8:17 AM

PPACA is deeply flawed and this just one example. The fundamental issue is that PPACA assumes premiums are the problem rather than health care costs. The focus on insurance companies, expanding benefits and coverage but nit the basic problem of health care costs is a serious mistake. Quinnscommentary.com

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