A new comprehensive rule by the Donald Trump administration will make it easier for millions of small businesses and self-employed people to purchase health insurance plans that bypass several requirements of the Affordable Care Act (ACA) by not only reducing the costs, but also the benefits to the policy holders.
The new rule, issued on June 19, 2018, is a significant measure taken by the White House to exercise its regulatory powers to do away with the ACA laws that date back to the Obama era. Last year, President Donald Trump had insisted on a change in an executive order that led to this radical step.
“You’re going to save massive amounts of money and have much better health care. It’s going to cost you much less,” said President Trump, speaking at the 75th anniversary celebration of the National Federation of Independent Business. The new health plans would not require many consumer-protection mandates, such as specific “essential health benefits” like maternity and newborn care, emergency services, and prescription drugs, including mental healthcare. However, the Labor Department officials also added that association health plans cannot refuse coverage or charge higher rates to individual employees with pre-existing medical conditions.
Officials of the Trump administration said the new move would help small firms and self-employed individuals in the same industry, state or region to team up together and purchase lower-cost group insurance similar to a single large employer even if they were unrelated or had no professional connections with each other whatsoever. Additionally, the new rule also prohibits several forms of discrimination, such as charging higher premiums to some employers based on the health status of their employees.
Reacting to the latest move by President Trump, several state officials and multiple consumer groups voiced their concerns about the push for association health plans. They said such plans would force healthy people out of the ACA marketplace, causing a spike in the costs for those who need an all-inclusive insurance. Democrat and Senator of New York Chuck Schumer said that the new rule would pave the path for “junk health insurance,” and called the changes as “the latest act of sabotage of our health care system by the Trump administration.” Another critic Keysha Brooks-Coley, a vice president of the lobbying arm of the American Cancer Society said that the “rule will erode the availability of affordable comprehensive coverage in most states’ individual and small-group markets.” Deteriorating mental health is a national health concern
Deteriorating mental health is a reality in the U.S. with more and more Americans experiencing emotional and behavioral health issues than one could ever imagine. According to the 2017 report of the Mental Health America (MHA), over 40 million Americans nationwide are afflicted by a mental health problem which amounts to more than the combined population of Florida and New York. Such an obvious slippage is a clear indicator of the decaying social fabric, which is lost in the single-minded pursuit of economic progress. American society still harbors negative perceptions toward mental diseases and are of the opinion that these are not curable or preventable. Often, people with mental diseases like anxiety, PTSD, depression, schizophrenia, etc. are excluded from all social circles, thus fostering stigma and an enormous prejudice against such patients. Further, it is sad to note that majority of adults battling mental health problems still do not have access to any kind of professional help or treatment.
Mental health problems are treatable
Sovereign Health of San Clemente, California offers a variety of customized therapies for a wide range of mental health problems to treat the afflicted individuals holistically. Our team of specialists at our mental illness treatment centers are trained to identify the underlying causes and prescribe customized individual as well as group psychotherapy based on the patient’s requirements.
If you or your loved one is battling depression, call our 24/7 helpline or chat online with our representatives available for your queries. Our state-of-art residential mental health facilities spread across California are known for their effective recovery programs, which have helped innumerable individuals to regain control of their lives.