Overpromising – not mendacity – likely behind the “you can keep your coverage” messaging breakdown

The Obama administration is now in damage control mode as the media piles onto the flap over President Obama’s statements that individuals can keep their current health plans if they choose once new individual health insurance market rules take effect this coming January. Obama is being cast as a prevaricator who lied when he said this.

Rather than attempting to deceive, Obama more likely promised to deliver something over which he may have truly desired but has no control. While Section 1251 of the Patient Protection and Affordable Care Act affords individuals the right to maintain their coverage as it existed prior to the March 23, 2010 enactment of the ACA, there’s no requirement health plan issuers must continue to offer these plans or retain their current provider networks.

Obama’s declaration also failed to take into account plans with limited shelf lives issued after March 23, 2010 that don’t meet the ACA’s requirements such as offering specified benefits or minimum actuarial value. Those plans are effectively outlawed by the ACA starting next year.


Need a speaker or webinar presenter on the Affordable Care Act and the outlook for health care reform? Contact Pilot Healthcare Strategies Principal Fred Pilot by email fpilot@pilothealthstrategies.com or call 530-295-1473. 

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Frederick Pilot

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