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by alisa086 » Tue Apr 10, 2018 8:41 am

Republicans could not repeal the Affordable Care Act last year, and they seem unlikely to try again anytime soon. But they are finding places where, through a combination of new state laws and new federal regulations, they can transform Obamacare’s health insurance markets into something more to their liking ― namely, markets full of cheaper, less generous plans available to people in good health.

This week, Iowa became one of those places. Kim Reynolds, the state’s Republican governor, signed a law Monday allowing the Iowa Farm Bureau to sell health plans that, in most respects, look and operate like any other insurance policies. Wellmark, the state’s affiliate of Blue Cross Blue Shield, will administer the new policies.

But the legislation declares that the new plans “shall not be deemed to be insurance,” and there’s a reason for that. Iowa’s lawmakers want to make sure the policies aren’t subject to the Affordable Care Act’s insurance regulations, including those that protect people with pre-existing conditions.

Unless a court challenge gets in the way, nothing will stop the Farm Bureau and Wellmark from jacking up premiums on people with conditions such as cancer and diabetes ― or denying those people coverage altogether. Nor will anything keep the plan sponsors from limiting or excluding benefits the Affordable Care Act considers “essential,” a list that includes treatment for mental illness, maternity care and prescription drugs.

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