OBAMA: “Nothing in this plan will require you or your employer to change the coverage or the doctor you have. Let me repeat this: Nothing in our plan requires you to change what you have.’’
THE FACTS: That’s correct, as far as it goes. But neither can the plan guarantee that people can keep their current coverage. Employers sponsor coverage for most families, and they’d be free to change their health plans in ways that workers may not like, or drop insurance altogether. The Congressional Budget Office analyzed the health care bill written by House Democrats and said that by 2016 some 3 million people who now have employer-based care would lose it because their employers would decide to stop offering it.
In the past, Obama made repeated statements such as, “If you like your health care plan, you’ll be able to keep your health care plan, period.’’ Now he’s stopping short of that unconditional guarantee by saying nothing in the plan “requires’’ any change. He’s dropped the “period.’’
OBAMA: Requiring insurance companies to cover preventive care like mammograms and colonoscopies “makes sense, it saves money, and it saves lives.’’
THE FACTS: Studies have shown that much preventive care - particularly tests like the ones Obama mentions - actually costs money instead of saving it. That’s because detecting acute diseases like breast cancer in their early stages involves testing many people who would never end up developing the disease. The costs of a large number of tests, even if they’re relatively cheap, will outweigh the costs of caring for the minority of people who would have ended up getting sick without the testing.
The Congressional Budget Office wrote in August: “The evidence suggests that for most preventive services, expanded utilization leads to higher, not lower, medical spending overall.’’
That doesn’t mean preventive care doesn’t make sense or save lives. It just doesn’t save money.
OBAMA: “If you lose your job or change your job, you will be able to get coverage. If you strike out on your own and start a small business, you will be able to get coverage.’’
THE FACTS: It’s not just a matter of being able to get coverage. Most people would have to get coverage under the law, if his plan is adopted.
In his speech, Obama endorsed mandatory coverage for individuals, an approach he did not embrace as a candidate, saying people would get insurance without being forced to do so by the law, if coverage were made affordable.
Now, he says, “individuals will be required to carry basic health insurance - just as most states require you to carry auto insurance.’’ He proposes a hardship waiver, exempting from the requirement those who cannot afford coverage despite increased federal aid.