Sure. Not having medical health insurance can kill you.


As a practising doctor for occurring almost 50 years now, I usually really feel like that auto insurance coverage firm that claims “We all know a factor or two as a result of we’ve got seen a factor or two.”

After years of coping with people who find themselves insured, people who find themselves uninsured and medical health insurance corporations, I do know that having actual, complete protection can imply the distinction between life and dying.

Just a few years again, one Republican Congressman – talking in regards to the impression of GOP laws that may have drastically minimize Medicaid – defended the plan he supported by stating, “No person dies as a result of they don’t have entry to well being care.”

That false assurance has been broadly debunked by individuals who really report on well being reform or work in healthcare. However that hasn’t stopped critics of the Inexpensive Care Act from persevering with to vow “Loosen up. We’ve acquired this” … all of the whereas promising to dismantle a regulation that drastically expanded entry to reasonably priced well being protection for thousands and thousands.

Pre-existing circumstances are a matter of life and dying …

The present ongoing line of false reassurances has to do with well being protection for folks with pre-existing circumstances. Many Republicans are on the marketing campaign path proper now claiming that they’ve been defending people with pre-existing circumstances all alongside. And these could be the identical individuals who voted for the American Well being Care Act in 2017. (The AHCA, handed by the GOP Home final 12 months, would have stripped medical health insurance away from folks with pre-existing circumstances, had its passage within the Senate not been derailed by late Sen. John McCain.

The oldsters who wrote the ACA bent over backward to make sure that protections for thousands and thousands could be a central plank of the regulation:

Underneath present regulation, medical health insurance corporations can’t refuse to cowl you or cost you extra simply because you will have a “pre-existing situation” — that’s, a well being drawback you had earlier than the date that new well being protection begins.

… for thousands and thousands of Individuals.

In 2017, about half of non-elderly Individuals – or about 130 million non-elderly folks – had pre-existing circumstances within the U.S., in keeping with a quick from the U.S. Division of Well being and Human Companies.

Nationally, the most typical pre-existing circumstances had been hypertension (44 million folks), behavioral well being problems (45 million folks), excessive ldl cholesterol (44 million folks), bronchial asthma and continual lung illness (34 million folks), and osteoarthritis and different joint problems (34 million folks). – U.S. Division of Well being and Human Companies

Increasingly more individuals are starting to grasp that. Of American voters, 66 % of registered voters stated that continued protections for folks with pre-existing circumstances was both the “single most essential issue” (14 %) or a “crucial issue” (52 %) of their vote for a candidate. (Which explains why the GOP is abruptly claiming they love these protections.)

Who’re these folks with pre-existing circumstances?

In the event you don’t have a pre-existing situation – or you possibly can’t consider somebody proper off the highest of your head who might need one – let me provide a look at a few of your fellow Individuals whose tales as sufferers have crossed my desk over my years as a Doctor Government.

Affected person #1: Atrial fibrillation

This middle-aged feminine was despatched to the Emergency Division by her heart specialist due to signs that  included a five-day historical past of palpitations (feeling coronary heart beat in chest), dizziness (imbalance) and headache. The EKG confirmed Atrial Fibrillation with a speedy ventricular response. She additionally had an elevated blood strain that was persistent. The admitting prognosis was new onset atrial fibrillation with speedy ventricular response.

Outcome: This affected person now has developed the dreaded “pre-existing situation.”

Affected person #2: Herniated disc

This 30-something male affected person had a 12-year historical past of a herniated disc. He introduced to the Emergency Division with again ache and sciatica going into his left leg, related to issue strolling. A CT scan indicated a disc protrusion within the decrease again.

This affected person had a medical historical past of a weightlifting damage and identified herniated disc. On prime of that he introduced with a two-week historical past of progressively rising low again ache with sciatica. The ache was impacting his potential to stroll. An MRI revealed the thecal sac on the nerve root was indented. In layman’s phrases, which means the arthritis of the backbone was placing strain on the nerve.

Outcome: Affected person #2 had a pre-existing situation and could possibly be denied well being protection.

Affected person #three: Hypertension, coronary heart illness, continual lung illness

A middle-aged feminine affected person got here to the Emergency Division complaining of a pounding headache situated principally in her brow, related to lightheadedness. The affected person had a medical historical past of hypertension and coronary heart illness however had not taken her blood strain medicine as a result of monetary causes for at the very least two months.

The affected person additionally had a historical past of gentle atrial fibrillation and continual lung illness, however the affected person reported that she had not had remedy for these. The affected person additionally reported swelling in her decrease extremities for which she took an over-the-counter medicine.

Outcome: This isn’t an uncommon state of affairs in at this time’s healthcare panorama. And this affected person could possibly be denied protection for these pre-existing circumstances.

Quick-term plans

Whereas Republicans did their stage greatest in 2017 to cross a regulation that may erode protections for folk just like the three examples above (and plenty of extra), President Donald Trump has been offering his personal false assurances about about well being protection. His promise: that Individuals can loosen up, as a result of he’s coming to the rescue with extra (and CHEAPER) short-term medical health insurance alternate options.

Quick-term protection shouldn’t be a really perfect resolution for folks with pre-existing circumstances. The plans:

In October, new federal guidelines expanded the period of short-term well being plans in lots of states. However different states have taken a “purchaser beware” method and a handful of states – together with New York and New Jersey – fully ban the sale of short-term well being plans.

Lack of insurance coverage can kill you.

So let’s return to the unique level of this column: that pre-existing circumstances are a matter of life and dying. They most undoubtedly are – as a result of having a pre-existing situation within the ‘good previous days‘ earlier than Obamacare meant that getting complete well being protection on the person market was troublesome or close to not possible.

However can being uninsured actually kill you? From my literature evaluation, it’s clear that you’re from three to 29 % extra more likely to die for those who don’t have medical health insurance than those that do!

Right here’s a few of analysis:

In 2002, the Institute of Medication estimated that the “dying fee of the uninsured is 25 % greater than for in any other case comparable individuals who have medical health insurance. In keeping with the research, 18,000 extra deaths occurred every year as a result of 40 million Individuals lacked insurance coverage.”
In January 2008, the City Institute up to date that research. “Subsequent analysis has continued to verify the hyperlink between insurance coverage and mortality danger. The true variety of deaths ensuing from un-insurance might be “important.”
A 2009 rebuttal research by the Well being Analysis and Training Belief discovered that “when adjusted for well being standing and different components, the chance of subsequent mortality is not any totally different for individuals who lack insurance coverage than for individuals who are lined by employer-sponsored plans.” However the research additionally had a second conclusion: “With well being standing excluded, the uninsured have a 10 % greater mortality fee than comparable insured individuals.”
The Harvard researchers in contrast 2001- 2005 dying charges in Massachusetts to the four-year interval after a brand new healthcare regulation was enacted and located that “mortality fee decreased by three % between 2006 and 2010 when higher entry to well being care might have prevented as many as 320 deaths per 12 months. Offering well being protection to 830 uninsured adults prevented one dying per 12 months.”
A 2012 New England Journal of Medication research analyzed the results of Medicaid growth on grownup mortality in a number of states. It discovered a connection between entry to Medicaid and diminished mortality: the precise determine was a 6.1 % discount in mortality.
The Middle for American Progress projected what would occur if the NEJM outcomes had been utilized to the states which had not expanded Medicaid. “In these states alone greater than 12,000 lives per 12 months may doubtlessly be saved if state governments conform to increase their Medicaid packages.”
In 2017, the Congressional Price range Workplace (CBO) predicted that 22-24 million Individuals would lose protection underneath the AHCA. If three % of those Individuals died presumably due to this obstacle to receiving healthcare, then 720,000 Individuals might need died due to that lack of protection over time.

It’s time to concentrate.

The Congressman at first of this column additionally famously said that “No person needs anyone to die.” It sounds nice – and it’s a notion that the majority of us can in all probability agree with.

However at this vital juncture in our nation’s healthcare historical past – when Individuals are extra involved than ever about shedding the protections they gained from the ACA – we should pay even nearer consideration.

We should intently study our candidates’ voting data on healthcare. We should not merely nod our heads at last-minute guarantees about preserving ACA’s protections. We will’t merely resolve that low cost protection is nice protection.

We must always know higher. In spite of everything, we’ve all “seen a factor or two.”

Brian Casull has been a doctor for nearly 50 years in service, together with 21 years in the US Military as a Medical Corp Pediatrician and Hospital Commander. Within the non-public sector, he has served as Medical Director for the Rocky Mountain Rehabilitation Middle,  Chief of Workers on the Cigna Workers Mannequin,  Medical Director for The Traveler’s Insurance coverage Firm,  Los Angeles Medical Director for UnitedHealthcare, and Assistant Vice President for a Pharmacy Profit Supervisor PCS in Arizona. He presently operates his personal agency – Casull Healthcare Consulting – and has obtained an MPA in Well being Care Organizations. He has additionally authored This Can Kill You: American Healthcare in Transition and is presently engaged on a second healthcare ebook.


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