San Francisco Obama Supporters, Cancelled by Obamacare
Why Insurance Commissioner Can Delay Only Blue Shield's Cancellations
New ACA Fracas: Did the White House Know People Would Face Insurance Cancellations?
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You can follow her on Twitter: \u003ca title=\"https://twitter.com/laliferis\" href=\"https://twitter.com/laliferis\">@laliferis\u003c/a>","avatar":"https://secure.gravatar.com/avatar/86c339d5cdcb0dcd2b6cf5d7c3f5886b?s=600&d=blank&r=g","twitter":"laliferis","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"news","roles":["subscriber"]},{"site":"futureofyou","roles":["subscriber"]},{"site":"stateofhealth","roles":["subscriber"]},{"site":"science","roles":["subscriber"]},{"site":"food","roles":["contributor"]}],"headData":{"title":"Lisa Aliferis | KQED","description":null,"ogImgSrc":"https://secure.gravatar.com/avatar/86c339d5cdcb0dcd2b6cf5d7c3f5886b?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/86c339d5cdcb0dcd2b6cf5d7c3f5886b?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/lisaaliferis"},"state-of-health":{"type":"authors","id":"8344","meta":{"index":"authors_1591205172","id":"8344","found":true},"name":"State of Health","firstName":"State of 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Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Charles Ornstein,\u003c/strong> \u003ca href=\"http://www.propublica.org/article/loyal-obama-supporters-canceled-by-obamacare?utm_campaign=bt_twitter&utm_source=twitter&utm_medium=social\" target=\"_blank\">ProPublica\u003c/a>\u003c/p>\n\u003cp>San Francisco architect Lee Hammack says he and his wife, JoEllen Brothers, are “cradle Democrats.” They have donated to the liberal group Organizing for America and worked the phone banks a year ago for President Obama’s re-election.\u003c/p>\n\u003cp>Since 1995, Hammack and Brothers have received their health coverage from Kaiser Permanente, where Brothers worked until 2009 as a dietician and diabetes educator. “We’ve both been in very good health all of our lives – exercise, don’t smoke, drink lightly, healthy weight, no health issues, and so on,” Hammack told me.\u003c/p>\n\u003c/div>\n\u003cdiv>\n\u003cp>The couple — Lee, 60, and JoEllen, 59 — have been paying $550 a month for their health coverage — a plan that offers solid coverage, not one of the skimpy plans Obama has criticized. But recently, Kaiser informed them the plan would be canceled at the end of the year because it did not meet the requirements of the Affordable Care Act. The couple would need to find another one. The cost would be around double what they pay now, but the benefits would be worse.\u003c/p>\n\u003cp>“From all of the sob stories I’ve heard and read, ours is the most extreme,” Lee told me in an email last week.\u003c!--more-->\u003c/p>\n\u003cp>I’ve been skeptical about media stories featuring those who claimed they would be worse off because their insurance policies were being canceled on account of the ACA. In many cases, \u003ca href=\"http://www.newrepublic.com/article/115457/obamacare-victim-florida-happy-she-can-get-real-coverage\">it turns out\u003c/a>, the consumers could have found cheaper coverage through the new health insurance marketplaces, or their plans weren’t very good to begin with. \u003ca href=\"http://www.latimes.com/business/hiltzik/la-fi-mh-debunked-20131030,0,6010994.story#axzz2jnQTZ53H\">Some didn’t know they could qualify\u003c/a> for subsidies that would lower their insurance premiums.\u003c/p>\n\u003cp>So I tried to find flaws in what Hammack told me. I couldn’t find any.\u003c/p>\n\u003cul>\n\u003cli>The couple’s \u003ca href=\"http://www.propublica.org/documents/item/815690-kaiser2013benefits\" target=\"_blank\">existing Kaiser plan was a good one\u003c/a>.\u003c/li>\n\u003cli>Their new options were indeed more expensive, and the \u003ca href=\"http://www.propublica.org/documents/item/815691-kaiser2014benefits\" target=\"_blank\">benefits didn’t seem any better\u003c/a>.\u003c/li>\n\u003cli>They do not qualify for premium subsidies because they make more than four times the federal poverty level, though Hammack says not by much.\u003c/li>\n\u003c/ul>\n\u003cp>Hammack recalled his reaction when he and his wife received a letters from Kaiser in September informing him their coverage was being canceled. “I work downstairs and my wife had a clear look of shock on her face,” he said. “Our first reaction was clearly there’s got to be some mistake. This was before the exchanges opened up. We quickly calmed down. We were confident that this would all be straightened out. But it wasn’t.”\u003c/p>\n\u003cp>I asked Hammack to send me \u003ca href=\"http://www.propublica.org/documents/item/815690-kaiser2013benefits\" target=\"_blank\">details of his current plan\u003c/a>. It carried a $4,000 deductible per person, a $40 copay for doctor visits, a $150 emergency room visit fee and 30 percent coinsurance for hospital stays after the deductible. The out-of-pocket maximum was $5,600.\u003c/p>\n\u003cp>This plan was ending, Kaiser’s letters told them, because it did not meet the requirements of the Affordable Care Act. “Everything is taken care of,” the letters said. “There’s nothing you need to do.”\u003c/p>\n\u003cp>The letters said the couple would be enrolled in new Kaiser plans that would cost nearly $1,300 for the two of them (more than $15,000 a year).\u003c/p>\n\u003cp>And for that higher amount, \u003ca href=\"http://www.propublica.org/documents/item/815692-kaiser2014lee\" target=\"_blank\">what would they get\u003c/a>? A higher deductible ($4,500), a higher out-of-pocket maximum ($6,350), higher hospital costs (40 percent of the cost) and possibly higher costs for doctor visits and drugs.\u003c/p>\n\u003cp>When they shopped around and looked for a different plan on California's new health insurance marketplace, \u003ca href=\"https://www.coveredca.com/\" target=\"_blank\">Covered California\u003c/a>, the cheapest one was $975, with hefty deductibles and copays.\u003c/p>\n\u003cp style=\"text-align: center\">[\u003cstrong>Related:\u003c/strong> \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/18/why-some-are-seeing-premiums-go-up-as-affordable-care-act-goes-into-effect-obamacare/\" target=\"_blank\">Why Some Are Seeing Premiums Go Up As ACA Goes Into Effect\u003c/a>]\u003c/p>\n\u003cp>\u003ca href=\"http://www.whitehouse.gov/the-press-office/2013/10/30/remarks-president-and-governor-deval-patrick-affordable-care-act\" target=\"_blank\">In a speech in Boston last week\u003c/a>, President Obama said those receiving cancellation letters didn’t have good insurance. “There are a number of Americans — fewer than 5 percent of Americans — who've got cut-rate plans that don’t offer real financial protection in the event of a serious illness or an accident,” he said.\u003c/p>\n\u003cp>“Remember, before the Affordable Care Act, these bad-apple insurers had free rein every single year to limit the care that you received, or use minor preexisting conditions to jack up your premiums or bill you into bankruptcy. So a lot of people thought they were buying coverage, and it turned out not to be so good.”\u003c/p>\n\u003cp>\u003cstrong>Seems like lose-lose situation\u003c/strong>\u003c/p>\n\u003cp>What is going on here? Kaiser isn’t a “bad apple” insurer and this plan wasn’t “cut rate.” It seems like this is a lose-lose for the Hammacks (and a friend featured in a \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/04/obamacare-downside-reports-of-premiums-going-up/\">report last month\u003c/a> on this blog.)\u003c/p>\n\u003cp>I called Kaiser Permanente and spoke to spokesman Chris Stenrud, who used to work for the U.S. Department of Health and Human Services. He told me that this was indeed a good plan. Patients in the plan, known as 40/4000, were remarkably healthy, had low medical costs and had not seen their premiums increase in years. “Our actuaries still aren’t entirely sure why that was,” he said.\u003c/p>\n\u003cp>While many other insurance companies offered skimpier benefits, Stenrud said, “our plans historically have been comprehensive.”\u003c/p>\n\u003cp>Kaiser has canceled about 160,000 policies in California, and about one third of people were in plans like Hammack’s, Stenrud said. About 30,000 to 35,000 were in his specific plan.\u003c/p>\n\u003cp>“In a few cases, we are able to find coverage for them that is less expensive, but in most cases, we’re not because, in sort of pure economic terms, they are people who benefited from the current system ... Now that the market rules are changing, there will be different people who benefit and different people who don’t.”\u003c/p>\n\u003cp>“There’s an aspect of market disruption here that I think was not clear to people,” Stenrud acknowledged. “In many respects it has been theory rather than practice for the first three years of the law; folks are seeing the breadth of change that we’re talking about here.”\u003c/p>\n\u003cp>That’s little comfort to Hammack. He’s written to California’s senators and his representative, House Minority Leader Nancy Pelosi, (D-CA), asking for help.\u003c/p>\n\u003cp>“We believe that the Act is good for health care, the economy, & the future of our nation. However, ACA options for middle income individuals ages 59 & 60 are unaffordable. We’re learning that many others are similarly affected. In that spirit we ask that you fix this, for all of our sakes,” he and Brothers wrote.\u003c/p>\n\u003cp>Consumer advocate Anthony Wright said it’s important to remember the way the insurance market worked before the act was passed, when insurers could deny coverage based on pre-existing conditions. “It’s impossible to know what the world would have looked like for these folks in the absence of the law,” said Wright, executive director of the group Health Access.\u003c/p>\n\u003cp>“We certainly had an individual market, especially in California which was the Wild Wild West, where there was huge price increases, cancellations, a range of other practices.\u003c/p>\n\u003cp>“That doesn't mean that there were certain people who lucked out in the old system, who wound up in a group with a relatively healthy risk mix and thus lower premiums,” he added. “The question is: Is health insurance something where people get a rate based on the luck of the draw or do we have something where we have some standards where people who live in the same community, of the same age, with the same benefit package are treated equally?”\u003c/p>\n\u003cp>Wright said discussions should focus on how to provide consumers like Hammack with assistance if they barely miss qualifying for subsidies.\u003c/p>\n\u003cp>So what is Hammack going to do? If his income were to fall below four times the federal poverty level, or about $62,000 for a family of two, he would qualify for subsidies that could lower his premium cost to as low as zero. If he makes even one dollar more, he gets nothing.\u003c/p>\n\u003cp>That’s what he’s leaning toward — lowering his salary or shifting more money toward a retirement account and applying for a subsidy.\u003c/p>\n\u003cp>“We’re not changing our views because of this situation, but it hurt to hear Obama saying, just the other day, that if our plan has been dropped it’s because it wasn’t any good, and our costs would go up only slightly,” he said. “We’re gratified that the press is on the case, but frustrated that the stewards of the ACA don’t seem to have heard.”\u003c/p>\n\u003cp>\u003cem>Editor's note: Ornstein posted this follow up story \u003ca href=\"http://www.propublica.org/article/answered-why-two-obama-loyalists-lost-their-health-policies\" target=\"_blank\">Answered: Why Two Obama Loyalists Lost Their Policies\u003c/a>, explaining much more about the couple's situation.\u003c/em>\u003c/p>\n\u003c/div>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"San Francisco architect Lee Hammack says he and his wife, JoEllen Brothers, are “cradle Democrats.” They have donated to the liberal group Organizing for America and worked the phone banks a year ago for President Obama’s re-election.\r\n\r\nSince 1995, Hammack and Brothers have received their health coverage from Kaiser Permanente, where Brothers worked until 2009 as a dietician and diabetes educator. “We’ve both been in very good health all of our lives – exercise, don’t smoke, drink lightly, healthy weight, no health issues, and so on,” Hammack told me.","status":"publish","parent":0,"modified":1383949441,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":34,"wordCount":1559},"headData":{"title":"San Francisco Obama Supporters, Cancelled by Obamacare | KQED","description":"San Francisco architect Lee Hammack says he and his wife, JoEllen Brothers, are “cradle Democrats.” They have donated to the liberal group Organizing for America and worked the phone banks a year ago for President Obama’s re-election.\r\n\r\nSince 1995, Hammack and Brothers have received their health coverage from Kaiser Permanente, where Brothers worked until 2009 as a dietician and diabetes educator. “We’ve both been in very good health all of our lives – exercise, don’t smoke, drink lightly, healthy weight, no health issues, and so on,” Hammack told me.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"Article","headline":"San Francisco Obama Supporters, Cancelled by Obamacare","datePublished":"2013-11-06T17:20:40.000Z","dateModified":"2013-11-08T22:24:01.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}},"disqusIdentifier":"16124 http://blogs.kqed.org/stateofhealth/?p=16124","disqusUrl":"https://ww2.kqed.org/stateofhealth/2013/11/06/obama-supporters-canceled-by-obamacare/","disqusTitle":"San Francisco Obama Supporters, Cancelled by Obamacare","path":"/stateofhealth/16124/obama-supporters-canceled-by-obamacare","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cdiv>\n\u003cfigure id=\"attachment_16097\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/153494074CROP-e1383673996387.jpg\">\u003cimg class=\"size-large wp-image-16097\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/153494074CROP-640x433.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"433\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Charles Ornstein,\u003c/strong> \u003ca href=\"http://www.propublica.org/article/loyal-obama-supporters-canceled-by-obamacare?utm_campaign=bt_twitter&utm_source=twitter&utm_medium=social\" target=\"_blank\">ProPublica\u003c/a>\u003c/p>\n\u003cp>San Francisco architect Lee Hammack says he and his wife, JoEllen Brothers, are “cradle Democrats.” They have donated to the liberal group Organizing for America and worked the phone banks a year ago for President Obama’s re-election.\u003c/p>\n\u003cp>Since 1995, Hammack and Brothers have received their health coverage from Kaiser Permanente, where Brothers worked until 2009 as a dietician and diabetes educator. “We’ve both been in very good health all of our lives – exercise, don’t smoke, drink lightly, healthy weight, no health issues, and so on,” Hammack told me.\u003c/p>\n\u003c/div>\n\u003cdiv>\n\u003cp>The couple — Lee, 60, and JoEllen, 59 — have been paying $550 a month for their health coverage — a plan that offers solid coverage, not one of the skimpy plans Obama has criticized. But recently, Kaiser informed them the plan would be canceled at the end of the year because it did not meet the requirements of the Affordable Care Act. The couple would need to find another one. The cost would be around double what they pay now, but the benefits would be worse.\u003c/p>\n\u003cp>“From all of the sob stories I’ve heard and read, ours is the most extreme,” Lee told me in an email last week.\u003c!--more-->\u003c/p>\n\u003cp>I’ve been skeptical about media stories featuring those who claimed they would be worse off because their insurance policies were being canceled on account of the ACA. In many cases, \u003ca href=\"http://www.newrepublic.com/article/115457/obamacare-victim-florida-happy-she-can-get-real-coverage\">it turns out\u003c/a>, the consumers could have found cheaper coverage through the new health insurance marketplaces, or their plans weren’t very good to begin with. \u003ca href=\"http://www.latimes.com/business/hiltzik/la-fi-mh-debunked-20131030,0,6010994.story#axzz2jnQTZ53H\">Some didn’t know they could qualify\u003c/a> for subsidies that would lower their insurance premiums.\u003c/p>\n\u003cp>So I tried to find flaws in what Hammack told me. I couldn’t find any.\u003c/p>\n\u003cul>\n\u003cli>The couple’s \u003ca href=\"http://www.propublica.org/documents/item/815690-kaiser2013benefits\" target=\"_blank\">existing Kaiser plan was a good one\u003c/a>.\u003c/li>\n\u003cli>Their new options were indeed more expensive, and the \u003ca href=\"http://www.propublica.org/documents/item/815691-kaiser2014benefits\" target=\"_blank\">benefits didn’t seem any better\u003c/a>.\u003c/li>\n\u003cli>They do not qualify for premium subsidies because they make more than four times the federal poverty level, though Hammack says not by much.\u003c/li>\n\u003c/ul>\n\u003cp>Hammack recalled his reaction when he and his wife received a letters from Kaiser in September informing him their coverage was being canceled. “I work downstairs and my wife had a clear look of shock on her face,” he said. “Our first reaction was clearly there’s got to be some mistake. This was before the exchanges opened up. We quickly calmed down. We were confident that this would all be straightened out. But it wasn’t.”\u003c/p>\n\u003cp>I asked Hammack to send me \u003ca href=\"http://www.propublica.org/documents/item/815690-kaiser2013benefits\" target=\"_blank\">details of his current plan\u003c/a>. It carried a $4,000 deductible per person, a $40 copay for doctor visits, a $150 emergency room visit fee and 30 percent coinsurance for hospital stays after the deductible. The out-of-pocket maximum was $5,600.\u003c/p>\n\u003cp>This plan was ending, Kaiser’s letters told them, because it did not meet the requirements of the Affordable Care Act. “Everything is taken care of,” the letters said. “There’s nothing you need to do.”\u003c/p>\n\u003cp>The letters said the couple would be enrolled in new Kaiser plans that would cost nearly $1,300 for the two of them (more than $15,000 a year).\u003c/p>\n\u003cp>And for that higher amount, \u003ca href=\"http://www.propublica.org/documents/item/815692-kaiser2014lee\" target=\"_blank\">what would they get\u003c/a>? A higher deductible ($4,500), a higher out-of-pocket maximum ($6,350), higher hospital costs (40 percent of the cost) and possibly higher costs for doctor visits and drugs.\u003c/p>\n\u003cp>When they shopped around and looked for a different plan on California's new health insurance marketplace, \u003ca href=\"https://www.coveredca.com/\" target=\"_blank\">Covered California\u003c/a>, the cheapest one was $975, with hefty deductibles and copays.\u003c/p>\n\u003cp style=\"text-align: center\">[\u003cstrong>Related:\u003c/strong> \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/18/why-some-are-seeing-premiums-go-up-as-affordable-care-act-goes-into-effect-obamacare/\" target=\"_blank\">Why Some Are Seeing Premiums Go Up As ACA Goes Into Effect\u003c/a>]\u003c/p>\n\u003cp>\u003ca href=\"http://www.whitehouse.gov/the-press-office/2013/10/30/remarks-president-and-governor-deval-patrick-affordable-care-act\" target=\"_blank\">In a speech in Boston last week\u003c/a>, President Obama said those receiving cancellation letters didn’t have good insurance. “There are a number of Americans — fewer than 5 percent of Americans — who've got cut-rate plans that don’t offer real financial protection in the event of a serious illness or an accident,” he said.\u003c/p>\n\u003cp>“Remember, before the Affordable Care Act, these bad-apple insurers had free rein every single year to limit the care that you received, or use minor preexisting conditions to jack up your premiums or bill you into bankruptcy. So a lot of people thought they were buying coverage, and it turned out not to be so good.”\u003c/p>\n\u003cp>\u003cstrong>Seems like lose-lose situation\u003c/strong>\u003c/p>\n\u003cp>What is going on here? Kaiser isn’t a “bad apple” insurer and this plan wasn’t “cut rate.” It seems like this is a lose-lose for the Hammacks (and a friend featured in a \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/04/obamacare-downside-reports-of-premiums-going-up/\">report last month\u003c/a> on this blog.)\u003c/p>\n\u003cp>I called Kaiser Permanente and spoke to spokesman Chris Stenrud, who used to work for the U.S. Department of Health and Human Services. He told me that this was indeed a good plan. Patients in the plan, known as 40/4000, were remarkably healthy, had low medical costs and had not seen their premiums increase in years. “Our actuaries still aren’t entirely sure why that was,” he said.\u003c/p>\n\u003cp>While many other insurance companies offered skimpier benefits, Stenrud said, “our plans historically have been comprehensive.”\u003c/p>\n\u003cp>Kaiser has canceled about 160,000 policies in California, and about one third of people were in plans like Hammack’s, Stenrud said. About 30,000 to 35,000 were in his specific plan.\u003c/p>\n\u003cp>“In a few cases, we are able to find coverage for them that is less expensive, but in most cases, we’re not because, in sort of pure economic terms, they are people who benefited from the current system ... Now that the market rules are changing, there will be different people who benefit and different people who don’t.”\u003c/p>\n\u003cp>“There’s an aspect of market disruption here that I think was not clear to people,” Stenrud acknowledged. “In many respects it has been theory rather than practice for the first three years of the law; folks are seeing the breadth of change that we’re talking about here.”\u003c/p>\n\u003cp>That’s little comfort to Hammack. He’s written to California’s senators and his representative, House Minority Leader Nancy Pelosi, (D-CA), asking for help.\u003c/p>\n\u003cp>“We believe that the Act is good for health care, the economy, & the future of our nation. However, ACA options for middle income individuals ages 59 & 60 are unaffordable. We’re learning that many others are similarly affected. In that spirit we ask that you fix this, for all of our sakes,” he and Brothers wrote.\u003c/p>\n\u003cp>Consumer advocate Anthony Wright said it’s important to remember the way the insurance market worked before the act was passed, when insurers could deny coverage based on pre-existing conditions. “It’s impossible to know what the world would have looked like for these folks in the absence of the law,” said Wright, executive director of the group Health Access.\u003c/p>\n\u003cp>“We certainly had an individual market, especially in California which was the Wild Wild West, where there was huge price increases, cancellations, a range of other practices.\u003c/p>\n\u003cp>“That doesn't mean that there were certain people who lucked out in the old system, who wound up in a group with a relatively healthy risk mix and thus lower premiums,” he added. “The question is: Is health insurance something where people get a rate based on the luck of the draw or do we have something where we have some standards where people who live in the same community, of the same age, with the same benefit package are treated equally?”\u003c/p>\n\u003cp>Wright said discussions should focus on how to provide consumers like Hammack with assistance if they barely miss qualifying for subsidies.\u003c/p>\n\u003cp>So what is Hammack going to do? If his income were to fall below four times the federal poverty level, or about $62,000 for a family of two, he would qualify for subsidies that could lower his premium cost to as low as zero. If he makes even one dollar more, he gets nothing.\u003c/p>\n\u003cp>That’s what he’s leaning toward — lowering his salary or shifting more money toward a retirement account and applying for a subsidy.\u003c/p>\n\u003cp>“We’re not changing our views because of this situation, but it hurt to hear Obama saying, just the other day, that if our plan has been dropped it’s because it wasn’t any good, and our costs would go up only slightly,” he said. “We’re gratified that the press is on the case, but frustrated that the stewards of the ACA don’t seem to have heard.”\u003c/p>\n\u003cp>\u003cem>Editor's note: Ornstein posted this follow up story \u003ca href=\"http://www.propublica.org/article/answered-why-two-obama-loyalists-lost-their-health-policies\" target=\"_blank\">Answered: Why Two Obama Loyalists Lost Their Policies\u003c/a>, explaining much more about the couple's situation.\u003c/em>\u003c/p>\n\u003c/div>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/16124/obama-supporters-canceled-by-obamacare","authors":["8344"],"categories":["stateofhealth_15"],"tags":["stateofhealth_38","stateofhealth_645","stateofhealth_653"],"featImg":"stateofhealth_16097","label":"stateofhealth"},"stateofhealth_16090":{"type":"posts","id":"stateofhealth_16090","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"16090","score":null,"sort":[1383673716000]},"guestAuthors":[],"slug":"state-insurance-commissioner-forces-blue-shield-to-delay-cancellations-obamacare","title":"Why Insurance Commissioner Can Delay Only Blue Shield's Cancellations","publishDate":1383673716,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_16103\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/174426822-e1383684544419.jpg\">\u003cimg class=\"size-large wp-image-16103\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/174426822-640x423.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"423\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>California's insurance commissioner Dave Jones announced an agreement with Blue Shield on Tuesday morning that will mean some 113,000 people who had their policies cancelled will now be able to keep them through March 31, 2014.\u003c/p>\n\u003cp>If you're one of those 113,000 people, you now have the option either to hold onto your policy into next year or to shop on the Covered California marketplace where you might qualify for a subsidy.\u003c/p>\n\u003caside class=\"pullquote alignleft\">Blue Shield warned that extension is not without risks.\u003c/aside>\n\u003cp>Jones says Blue Shield of California Life & Health agreed to send letters on Wednesday to its policyholders, informing them of the extension. If you've received a cancellation notice from another health insurance company, it is highly unlikely you will get an extension, as we detail below.\u003c/p>\n\u003cp>Blue Shield warned that extension is not without risks. Spokesman Steve Shivinsky says that policyholders who decide to stay with their current plan must still enroll in a new plan that complies with the Affordable Care Act by March 15, 2014. Otherwise, they risk a coverage gap. In addition, if people extend their current policy, they may have to pay a deductible twice in 2014 after they enroll in a new plan.\u003c!--more-->\u003c/p>\n\u003cp>\"It's confusing,\" Shivinsky said. \"It's bad for consumers that we have to mail these letters out and provide even more confusing information when they're trying to sort through their options.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Jones said that consumers must carefully consider their options. \"If these consumers anticipate a major health expense in the first three months of next year,\" Jones said, they should move to a new policy now. He also stressed that people should \"look at all your options,\" especially if they might qualify for a subsidy.\u003c/p>\n\u003cp>\u003cstrong>Blue Shield only, not other carriers\u003c/strong>\u003c/p>\n\u003cp>Jones could take this move with Blue Shield only because of what he called a \"rather complicated series of facts.\" California, he says, is the only state in the nation that has two separate regulators of health insurance products. Jones regulates policies that fall under the Department of Insurance. The Department of Managed Health Care (DMHC) regulates HMO products and other kinds of health plans.\u003c/p>\n\u003cp>Because of a special loophole in California law, Jones says, Blue Shield has the option to move its insurance products from the Department of Insurance to DMHC. Jones says that move between regulators requires Blue Shield to provide 180 days' notice of cancellation, but Blue Shield only provided 90 days. Blue Shield disagrees and argues that 90 days' notice was sufficient. Nonetheless it is complying with the Department of Insurance and allowing those 80,000 policyholders — covering 113,000 people — the option to extend.\u003c/p>\n\u003cp>In any case, an additional 90 days is the maximum extension. \"Three months is exactly what we could get\" under state law, Jones says.\u003c/p>\n\u003cp>Shivinsky said that Blue Shield elected to make the move to DMHC to \"consolidate its business\" under one regulator. He said the company already had about 80 percent of its business in DMHC. It will reduce the \"administrative burden,\" he said.\u003c/p>\n\u003cp>Jones says he had lobbied Covered California to allow all consumers to renew their individual policies through 2014. But Covered California, he says, determined that all individual policyholders must move to ACA-compliant plans on Jan. 1, 2014.\u003c/p>\n\u003cp>For all these reasons, if you've received a cancellation notice from any other carrier besides Blue Shield, you should not expect to get an extension.\u003c/p>\n\u003cp>\u003cstrong>ORIGINAL POST:\u003c/strong>\u003c/p>\n\u003cp>California's insurance commissioner, Dave Jones, is holding a press conference Tuesday morning to announce a deal the Department of Insurance has reached with what it terms a \"major health insurance company\" to delay the cancellation of more than 115,000 insurance policies statewide.\u003c/p>\n\u003cp>The San Francisco Business Times\u003ca href=\"http://www.bizjournals.com/sanfrancisco/blog/2013/11/blue-shield-has-deal-with-state-to.html?ana=RSS&s=article_search&page=all\" target=\"_blank\"> confirmed\u003c/a> that the insurer is Blue Shield of California from the company's spokesman, Steve Shivinsky. The Business Times described Blue Shield as not \"necessarily happy\" with this change. From the Business Times report:\u003c/p>\n\u003cblockquote>\u003cp>Blue Shield officials said Monday evening that the Department of Insurance had required them to take this step, on threat of a lawsuit compelling the insurer to delay the cancellations. The department declined official comment ahead of the insurance commissioner's press conference.\u003c/p>\n\u003cp>The extensions can't last more than three months, and must end March 31, Blue Shield said. Consumers need to be aware that taking advantage of the delay could come with downsides, including the possibility of being liable for two sets of deductibles and possibly missing out on tax credits and cost-sharing subsidies available only through the \u003ca href=\"http://www.bizjournals.com/profiles/company/us/ca/sacramento_/covered_california/3327461\">Covered California\u003c/a> exchange.\u003c!--more-->\u003c/p>\n\u003cp>\"We had a disagreement with the state over the 90 day notice we gave to ... policyholders and we were faced with a lawsuit if we did not agree to their requirement for the 90 day extension,\" Shivinsky clarified. He said 80,000 policyholders are being notified of the new course of action that regulators are requiring.\u003c/p>\n\u003cp>The deal has the look and feel of \u003ca href=\"http://www.usatoday.com/story/opinion/2013/11/03/obamacare-coverage-cancellations-president-obama-promise-editorials-debates/3426681/\">a political retreat \u003c/a>by Democratic officeholders worried about the recent outcry about cancelled individual policies.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c/p>\n\u003cp>State of Health will have update this post after Jones' press conference.\u003c/p>\n\n","blocks":[],"excerpt":"California's insurance commissioner Dave Jones is holding a press conference Tuesday morning to announce a deal it has reached with what the press release terms a \"major health insurance company\" to delay the cancellation of more than 115,000 insurance policies statewide.\r\n\r\nThe San Francisco Business Times confirmed that the insurer is Blue Shield of California.","status":"publish","parent":0,"modified":1383760382,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":23,"wordCount":868},"headData":{"title":"Why Insurance Commissioner Can Delay Only Blue Shield's Cancellations | KQED","description":"California's insurance commissioner Dave Jones is holding a press conference Tuesday morning to announce a deal it has reached with what the press release terms a "major health insurance company" to delay the cancellation of more than 115,000 insurance policies statewide.\r\n\r\nThe San Francisco Business Times confirmed that the insurer is Blue Shield of California.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"Article","headline":"Why Insurance Commissioner Can Delay Only Blue Shield's Cancellations","datePublished":"2013-11-05T17:48:36.000Z","dateModified":"2013-11-06T17:53:02.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}},"disqusIdentifier":"16090 http://blogs.kqed.org/stateofhealth/?p=16090","disqusUrl":"https://ww2.kqed.org/stateofhealth/2013/11/05/state-insurance-commissioner-forces-blue-shield-to-delay-cancellations-obamacare/","disqusTitle":"Why Insurance Commissioner Can Delay Only Blue Shield's Cancellations","path":"/stateofhealth/16090/state-insurance-commissioner-forces-blue-shield-to-delay-cancellations-obamacare","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16103\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/174426822-e1383684544419.jpg\">\u003cimg class=\"size-large wp-image-16103\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/174426822-640x423.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"423\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>California's insurance commissioner Dave Jones announced an agreement with Blue Shield on Tuesday morning that will mean some 113,000 people who had their policies cancelled will now be able to keep them through March 31, 2014.\u003c/p>\n\u003cp>If you're one of those 113,000 people, you now have the option either to hold onto your policy into next year or to shop on the Covered California marketplace where you might qualify for a subsidy.\u003c/p>\n\u003caside class=\"pullquote alignleft\">Blue Shield warned that extension is not without risks.\u003c/aside>\n\u003cp>Jones says Blue Shield of California Life & Health agreed to send letters on Wednesday to its policyholders, informing them of the extension. If you've received a cancellation notice from another health insurance company, it is highly unlikely you will get an extension, as we detail below.\u003c/p>\n\u003cp>Blue Shield warned that extension is not without risks. Spokesman Steve Shivinsky says that policyholders who decide to stay with their current plan must still enroll in a new plan that complies with the Affordable Care Act by March 15, 2014. Otherwise, they risk a coverage gap. In addition, if people extend their current policy, they may have to pay a deductible twice in 2014 after they enroll in a new plan.\u003c!--more-->\u003c/p>\n\u003cp>\"It's confusing,\" Shivinsky said. \"It's bad for consumers that we have to mail these letters out and provide even more confusing information when they're trying to sort through their options.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Jones said that consumers must carefully consider their options. \"If these consumers anticipate a major health expense in the first three months of next year,\" Jones said, they should move to a new policy now. He also stressed that people should \"look at all your options,\" especially if they might qualify for a subsidy.\u003c/p>\n\u003cp>\u003cstrong>Blue Shield only, not other carriers\u003c/strong>\u003c/p>\n\u003cp>Jones could take this move with Blue Shield only because of what he called a \"rather complicated series of facts.\" California, he says, is the only state in the nation that has two separate regulators of health insurance products. Jones regulates policies that fall under the Department of Insurance. The Department of Managed Health Care (DMHC) regulates HMO products and other kinds of health plans.\u003c/p>\n\u003cp>Because of a special loophole in California law, Jones says, Blue Shield has the option to move its insurance products from the Department of Insurance to DMHC. Jones says that move between regulators requires Blue Shield to provide 180 days' notice of cancellation, but Blue Shield only provided 90 days. Blue Shield disagrees and argues that 90 days' notice was sufficient. Nonetheless it is complying with the Department of Insurance and allowing those 80,000 policyholders — covering 113,000 people — the option to extend.\u003c/p>\n\u003cp>In any case, an additional 90 days is the maximum extension. \"Three months is exactly what we could get\" under state law, Jones says.\u003c/p>\n\u003cp>Shivinsky said that Blue Shield elected to make the move to DMHC to \"consolidate its business\" under one regulator. He said the company already had about 80 percent of its business in DMHC. It will reduce the \"administrative burden,\" he said.\u003c/p>\n\u003cp>Jones says he had lobbied Covered California to allow all consumers to renew their individual policies through 2014. But Covered California, he says, determined that all individual policyholders must move to ACA-compliant plans on Jan. 1, 2014.\u003c/p>\n\u003cp>For all these reasons, if you've received a cancellation notice from any other carrier besides Blue Shield, you should not expect to get an extension.\u003c/p>\n\u003cp>\u003cstrong>ORIGINAL POST:\u003c/strong>\u003c/p>\n\u003cp>California's insurance commissioner, Dave Jones, is holding a press conference Tuesday morning to announce a deal the Department of Insurance has reached with what it terms a \"major health insurance company\" to delay the cancellation of more than 115,000 insurance policies statewide.\u003c/p>\n\u003cp>The San Francisco Business Times\u003ca href=\"http://www.bizjournals.com/sanfrancisco/blog/2013/11/blue-shield-has-deal-with-state-to.html?ana=RSS&s=article_search&page=all\" target=\"_blank\"> confirmed\u003c/a> that the insurer is Blue Shield of California from the company's spokesman, Steve Shivinsky. The Business Times described Blue Shield as not \"necessarily happy\" with this change. From the Business Times report:\u003c/p>\n\u003cblockquote>\u003cp>Blue Shield officials said Monday evening that the Department of Insurance had required them to take this step, on threat of a lawsuit compelling the insurer to delay the cancellations. The department declined official comment ahead of the insurance commissioner's press conference.\u003c/p>\n\u003cp>The extensions can't last more than three months, and must end March 31, Blue Shield said. Consumers need to be aware that taking advantage of the delay could come with downsides, including the possibility of being liable for two sets of deductibles and possibly missing out on tax credits and cost-sharing subsidies available only through the \u003ca href=\"http://www.bizjournals.com/profiles/company/us/ca/sacramento_/covered_california/3327461\">Covered California\u003c/a> exchange.\u003c!--more-->\u003c/p>\n\u003cp>\"We had a disagreement with the state over the 90 day notice we gave to ... policyholders and we were faced with a lawsuit if we did not agree to their requirement for the 90 day extension,\" Shivinsky clarified. He said 80,000 policyholders are being notified of the new course of action that regulators are requiring.\u003c/p>\n\u003cp>The deal has the look and feel of \u003ca href=\"http://www.usatoday.com/story/opinion/2013/11/03/obamacare-coverage-cancellations-president-obama-promise-editorials-debates/3426681/\">a political retreat \u003c/a>by Democratic officeholders worried about the recent outcry about cancelled individual policies.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c/p>\n\u003cp>State of Health will have update this post after Jones' press conference.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/16090/state-insurance-commissioner-forces-blue-shield-to-delay-cancellations-obamacare","authors":["240"],"categories":["stateofhealth_15","stateofhealth_14"],"tags":["stateofhealth_38","stateofhealth_645","stateofhealth_461"],"featImg":"stateofhealth_16103","label":"stateofhealth"},"stateofhealth_15897":{"type":"posts","id":"stateofhealth_15897","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"15897","score":null,"sort":[1383073812000]},"guestAuthors":[],"slug":"new-aca-fracas-did-the-white-house-know-people-would-face-insurance-cancellations-obama","title":"New ACA Fracas: Did the White House Know People Would Face Insurance Cancellations?","publishDate":1383073812,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cp>\u003cscript type=\"text/javascript\" src=\"http://platform.twitter.com/widgets.js\">\u003c/script>\u003c/p>\n\u003cfigure id=\"attachment_15926\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/186114457.jpg\">\u003cimg class=\"size-large wp-image-15926\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/186114457-640x443.jpg\" alt=\"President Obama makes remarks during a ceremonial swearing-in of FBI Director James Comey. (Alex Wong/Getty Images)\" width=\"640\" height=\"443\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">President Obama makes remarks during a ceremonial swearing-in of FBI Director James Comey. (Alex Wong/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\"if you like your health plan, you will be able to keep your health plan.\"\u003c/p>\n\u003cp>That's been President Obama's talking point since 2009, before the Affordable Care Act was passed in 2010.\u003c/p>\n\u003cp>But millions of Americans are receiving notices of policies being cancelled, \u003ca href=\"http://investigations.nbcnews.com/_news/2013/10/29/21222195-obama-administration-knew-millions-could-not-keep-their-health-insurance\" target=\"_blank\">NBC reported\u003c/a> on Monday night and — citing four unnamed sources \"deeply involved in the Affordable Care Act\" — further argued that the administration has known this would happen for the last three years.\u003c/p>\n\u003cp>From NBC:\u003c/p>\n\u003cblockquote>\u003cp>None of this should come as a shock to the Obama administration. The law states that policies in effect as of March 23, 2010, will be “grandfathered,” meaning consumers can keep those policies even though they don’t meet requirements of the new health care law. But the Department of Health and Human Services then wrote regulations that narrowed that provision, by saying that if any part of a policy was significantly changed since that date — the deductible, co-pay, or benefits, for example — the policy would not be grandfathered.\u003c!--more-->\u003c/p>\n\u003cp>Buried in Obamacare regulations from July 2010 is an estimate that because of normal turnover in the individual insurance market, “40 to 67 percent” of customers will not be able to keep their policy. And because many policies will have been changed since the key date, “the percentage of individual market policies losing grandfather status in a given year exceeds the 40 to 67 percent range.”\u003c/p>\n\u003cp>That means the administration knew that more than 40 to 67 percent of those in the individual market would not be able to keep their plans, even if they liked them.\u003c/p>\u003c/blockquote>\n\u003cp>All of the sources said that many of those who receive cancellation notices will experience sticker shock when migrated to a new policy. State of Health has reported on these situations, including \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/18/why-some-are-seeing-premiums-go-up-as-affordable-care-act-goes-into-effect-obamacare/\" target=\"_blank\">Mark Brown of San Jose \u003c/a>who is seeing an increase of 90 percent.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>(Just to reiterate -- this is the individual insurance market. In California, that's about two million people or about 6 percent of the population.)\u003c/p>\n\u003cp>Meanwhile, the White House is firing back. Josh Earnest, special assistant to the president, said on Twitter:\u003c/p>\n\u003cblockquote class=\"twitter-tweet\">\u003cp>NBC \"scoop\" cites \"normal turnover in the indiv insurance market\". That's a) not new b) not caused by \u003ca href=\"https://twitter.com/search?q=%23ACA&src=hash\">#ACA\u003c/a> c) the problem \u003ca href=\"https://twitter.com/search?q=%23ACA&src=hash\">#ACA\u003c/a> will solve.\u003c/p>\n\u003cp>— Josh Earnest (@jearnest44) \u003ca href=\"https://twitter.com/jearnest44/statuses/394953060692160512\">October 28, 2013\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cp>Politico added nuance to the story, saying that while many consumers will see their policies cancelled, \"how directly that's related to the law can be debated.\"\u003c/p>\n\u003cp>More from \u003ca href=\"http://www.politico.com/story/2013/10/white-house-rejects-nbc-obamacare-report-99001.html\" target=\"_blank\">Politico\u003c/a>:\u003c/p>\n\u003cblockquote>\u003cp>The law requires insurance plans to meet basic standards after 2014. If they don’t meet those standards, insurers can no longer sell those plans unless they are “grandfathered” – or they existed before 2010 and haven’t changed at all since then.\u003c/p>\n\u003cp>So, if an insurer changed a premium or a deductible in 2013, the plan is no longer grandfathered under Obamacare and can’t be renewed in 2014.\u003c/p>\n\u003cp>The White House says it’s not forcing anyone off those plans – the insurers are if they change their policy and it loses its grandfathered status.\u003c/p>\u003c/blockquote>\n\u003cp>\u003ca href=\"http://thinkprogress.org/health/2013/10/28/2850061/wrong-story-obama-knowing-health-care-policy-cancelled/\" target=\"_blank\">ThinkProgress \u003c/a>notes that \"40 to 67 percent might lose their grandfathered status\" sounds \"ominous\" but:\u003c/p>\n\u003cblockquote>\u003cp>The debate was \u003ca href=\"http://www.nypost.com/p/news/opinion/opedcolumnists/you_re_losing_your_plan_O2H1EFmYlHSoQmqp48uDHI#ixzz0qr6NMGi1\">widely\u003c/a> \u003ca href=\"http://www.nytimes.com/2010/06/14/health/policy/14health.html?tntemail0=y&_r=0&emc=tnt&pagewanted=print\">covered\u003c/a> in \u003ca href=\"http://articles.latimes.com/2010/sep/22/nation/la-na-health-new-benefits-20100923\">the press\u003c/a>, so it’s unclear what exactly the NBC investigation unit has uncovered.\u003c/p>\n\u003cp>The goal of grandfather regulations is to allow a consumer to keep their existing policies, while also ensuring that there are some basic patient protections built into these plans. If insurers make changes that significantly burden enrollees with lower benefits and increased costs they have to come into compliance with all consumer protections. Therefore, policies lose their grandfathered status if insurers cancel coverage when a person becomes ill, impose lifetime limits on benefits, eliminate all benefits for a particular condition and reduce the cap for covered services each year, among other changes. (In fact, in November of 2010, the federal government \u003ca href=\"http://thinkprogress.org/health/2010/11/16/171787/grandfather-update/\">loosened some of these standards\u003c/a>.)\u003c/p>\n\u003cp>So yes, individuals can keep the plans they have if those plans remain largely the same. But individuals receiving cancellation notices will have a choice of enrolling in subsidized insurance in the exchanges and will probably end up paying less for more coverage.\u003c/p>\u003c/blockquote>\n\u003cp>Yes, many people will be eligible for subsidies. In California, \u003ca href=\"http://kff.org/health-reform/issue-brief/quantifying-tax-credits-for-people-now-buying-insurance-on-their-own/\" target=\"_blank\">as many as half\u003c/a> of the two million people currently buying insurance on the individual market will be eligible. What's unclear is what happens to the other million Californians.\u003c/p>\n\u003cp>As noted above, Mark Brown's policy was cancelled and the new one offered by Kaiser has essentially the same benefits — but for nearly double the price.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"There are going to be winners and losers whenever they deploy something like this, and I’m in the loser category at this point,\" Brown said.\u003c/p>\n\n","blocks":[],"excerpt":"\"if you like your health plan, you will be able to keep your health plan.\"\r\n\r\nThat's been President Obama's talking point since 2009, before the Affordable Care Act was passed in 2010.\r\n\r\nBut millions of Americans are receiving notices of policies being cancelled, NBC reported on Monday night and -- citing four unnamed sources \"deeply involved in the Affordable Care Act\" -- further argued that the administration has known this would happen for the last three years.","status":"publish","parent":0,"modified":1383251427,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":27,"wordCount":836},"headData":{"title":"New ACA Fracas: Did the White House Know People Would Face Insurance Cancellations? | KQED","description":""if you like your health plan, you will be able to keep your health plan."\r\n\r\nThat's been President Obama's talking point since 2009, before the Affordable Care Act was passed in 2010.\r\n\r\nBut millions of Americans are receiving notices of policies being cancelled, NBC reported on Monday night and -- citing four unnamed sources "deeply involved in the Affordable Care Act" -- further argued that the administration has known this would happen for the last three years.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"Article","headline":"New ACA Fracas: Did the White House Know People Would Face Insurance Cancellations?","datePublished":"2013-10-29T19:10:12.000Z","dateModified":"2013-10-31T20:30:27.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}},"disqusIdentifier":"15897 http://blogs.kqed.org/stateofhealth/?p=15897","disqusUrl":"https://ww2.kqed.org/stateofhealth/2013/10/29/new-aca-fracas-did-the-white-house-know-people-would-face-insurance-cancellations-obama/","disqusTitle":"New ACA Fracas: Did the White House Know People Would Face Insurance Cancellations?","path":"/stateofhealth/15897/new-aca-fracas-did-the-white-house-know-people-would-face-insurance-cancellations-obama","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cscript type=\"text/javascript\" src=\"http://platform.twitter.com/widgets.js\">\u003c/script>\u003c/p>\n\u003cfigure id=\"attachment_15926\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/186114457.jpg\">\u003cimg class=\"size-large wp-image-15926\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/10/186114457-640x443.jpg\" alt=\"President Obama makes remarks during a ceremonial swearing-in of FBI Director James Comey. (Alex Wong/Getty Images)\" width=\"640\" height=\"443\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">President Obama makes remarks during a ceremonial swearing-in of FBI Director James Comey. (Alex Wong/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\"if you like your health plan, you will be able to keep your health plan.\"\u003c/p>\n\u003cp>That's been President Obama's talking point since 2009, before the Affordable Care Act was passed in 2010.\u003c/p>\n\u003cp>But millions of Americans are receiving notices of policies being cancelled, \u003ca href=\"http://investigations.nbcnews.com/_news/2013/10/29/21222195-obama-administration-knew-millions-could-not-keep-their-health-insurance\" target=\"_blank\">NBC reported\u003c/a> on Monday night and — citing four unnamed sources \"deeply involved in the Affordable Care Act\" — further argued that the administration has known this would happen for the last three years.\u003c/p>\n\u003cp>From NBC:\u003c/p>\n\u003cblockquote>\u003cp>None of this should come as a shock to the Obama administration. The law states that policies in effect as of March 23, 2010, will be “grandfathered,” meaning consumers can keep those policies even though they don’t meet requirements of the new health care law. But the Department of Health and Human Services then wrote regulations that narrowed that provision, by saying that if any part of a policy was significantly changed since that date — the deductible, co-pay, or benefits, for example — the policy would not be grandfathered.\u003c!--more-->\u003c/p>\n\u003cp>Buried in Obamacare regulations from July 2010 is an estimate that because of normal turnover in the individual insurance market, “40 to 67 percent” of customers will not be able to keep their policy. And because many policies will have been changed since the key date, “the percentage of individual market policies losing grandfather status in a given year exceeds the 40 to 67 percent range.”\u003c/p>\n\u003cp>That means the administration knew that more than 40 to 67 percent of those in the individual market would not be able to keep their plans, even if they liked them.\u003c/p>\u003c/blockquote>\n\u003cp>All of the sources said that many of those who receive cancellation notices will experience sticker shock when migrated to a new policy. State of Health has reported on these situations, including \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/18/why-some-are-seeing-premiums-go-up-as-affordable-care-act-goes-into-effect-obamacare/\" target=\"_blank\">Mark Brown of San Jose \u003c/a>who is seeing an increase of 90 percent.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>(Just to reiterate -- this is the individual insurance market. In California, that's about two million people or about 6 percent of the population.)\u003c/p>\n\u003cp>Meanwhile, the White House is firing back. Josh Earnest, special assistant to the president, said on Twitter:\u003c/p>\n\u003cblockquote class=\"twitter-tweet\">\u003cp>NBC \"scoop\" cites \"normal turnover in the indiv insurance market\". That's a) not new b) not caused by \u003ca href=\"https://twitter.com/search?q=%23ACA&src=hash\">#ACA\u003c/a> c) the problem \u003ca href=\"https://twitter.com/search?q=%23ACA&src=hash\">#ACA\u003c/a> will solve.\u003c/p>\n\u003cp>— Josh Earnest (@jearnest44) \u003ca href=\"https://twitter.com/jearnest44/statuses/394953060692160512\">October 28, 2013\u003c/a>\u003c/p>\u003c/blockquote>\n\u003cp>Politico added nuance to the story, saying that while many consumers will see their policies cancelled, \"how directly that's related to the law can be debated.\"\u003c/p>\n\u003cp>More from \u003ca href=\"http://www.politico.com/story/2013/10/white-house-rejects-nbc-obamacare-report-99001.html\" target=\"_blank\">Politico\u003c/a>:\u003c/p>\n\u003cblockquote>\u003cp>The law requires insurance plans to meet basic standards after 2014. If they don’t meet those standards, insurers can no longer sell those plans unless they are “grandfathered” – or they existed before 2010 and haven’t changed at all since then.\u003c/p>\n\u003cp>So, if an insurer changed a premium or a deductible in 2013, the plan is no longer grandfathered under Obamacare and can’t be renewed in 2014.\u003c/p>\n\u003cp>The White House says it’s not forcing anyone off those plans – the insurers are if they change their policy and it loses its grandfathered status.\u003c/p>\u003c/blockquote>\n\u003cp>\u003ca href=\"http://thinkprogress.org/health/2013/10/28/2850061/wrong-story-obama-knowing-health-care-policy-cancelled/\" target=\"_blank\">ThinkProgress \u003c/a>notes that \"40 to 67 percent might lose their grandfathered status\" sounds \"ominous\" but:\u003c/p>\n\u003cblockquote>\u003cp>The debate was \u003ca href=\"http://www.nypost.com/p/news/opinion/opedcolumnists/you_re_losing_your_plan_O2H1EFmYlHSoQmqp48uDHI#ixzz0qr6NMGi1\">widely\u003c/a> \u003ca href=\"http://www.nytimes.com/2010/06/14/health/policy/14health.html?tntemail0=y&_r=0&emc=tnt&pagewanted=print\">covered\u003c/a> in \u003ca href=\"http://articles.latimes.com/2010/sep/22/nation/la-na-health-new-benefits-20100923\">the press\u003c/a>, so it’s unclear what exactly the NBC investigation unit has uncovered.\u003c/p>\n\u003cp>The goal of grandfather regulations is to allow a consumer to keep their existing policies, while also ensuring that there are some basic patient protections built into these plans. If insurers make changes that significantly burden enrollees with lower benefits and increased costs they have to come into compliance with all consumer protections. Therefore, policies lose their grandfathered status if insurers cancel coverage when a person becomes ill, impose lifetime limits on benefits, eliminate all benefits for a particular condition and reduce the cap for covered services each year, among other changes. (In fact, in November of 2010, the federal government \u003ca href=\"http://thinkprogress.org/health/2010/11/16/171787/grandfather-update/\">loosened some of these standards\u003c/a>.)\u003c/p>\n\u003cp>So yes, individuals can keep the plans they have if those plans remain largely the same. But individuals receiving cancellation notices will have a choice of enrolling in subsidized insurance in the exchanges and will probably end up paying less for more coverage.\u003c/p>\u003c/blockquote>\n\u003cp>Yes, many people will be eligible for subsidies. In California, \u003ca href=\"http://kff.org/health-reform/issue-brief/quantifying-tax-credits-for-people-now-buying-insurance-on-their-own/\" target=\"_blank\">as many as half\u003c/a> of the two million people currently buying insurance on the individual market will be eligible. What's unclear is what happens to the other million Californians.\u003c/p>\n\u003cp>As noted above, Mark Brown's policy was cancelled and the new one offered by Kaiser has essentially the same benefits — but for nearly double the price.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"There are going to be winners and losers whenever they deploy something like this, and I’m in the loser category at this point,\" Brown said.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/15897/new-aca-fracas-did-the-white-house-know-people-would-face-insurance-cancellations-obama","authors":["240"],"categories":["stateofhealth_15"],"tags":["stateofhealth_38","stateofhealth_645"],"featImg":"stateofhealth_15930","label":"stateofhealth"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.","airtime":"SUN 2pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Possible-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.possible.fm/","meta":{"site":"news","source":"Possible"},"link":"/radio/program/possible","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/possible/id1677184070","spotify":"https://open.spotify.com/show/730YpdUSNlMyPQwNnyjp4k"}},"1a":{"id":"1a","title":"1A","info":"1A is home to the national conversation. 1A brings on great guests and frames the best debate in ways that make you think, share and engage.","airtime":"MON-THU 11pm-12am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/1a.jpg","officialWebsiteLink":"https://the1a.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/1a","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=1188724250&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/1A-p947376/","rss":"https://feeds.npr.org/510316/podcast.xml"}},"all-things-considered":{"id":"all-things-considered","title":"All Things Considered","info":"Every weekday, \u003cem>All Things Considered\u003c/em> hosts Robert Siegel, Audie Cornish, Ari Shapiro, and Kelly McEvers present the program's trademark mix of news, interviews, commentaries, reviews, and offbeat features. Michel Martin hosts on the weekends.","airtime":"MON-FRI 1pm-2pm, 4:30pm-6:30pm\u003cbr />SAT-SUN 5pm-6pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/All-Things-Considered-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/all-things-considered/","meta":{"site":"news","source":"npr"},"link":"/radio/program/all-things-considered"},"american-suburb-podcast":{"id":"american-suburb-podcast","title":"American Suburb: The Podcast","tagline":"The flip side of gentrification, told through one town","info":"Gentrification is changing cities across America, forcing people from neighborhoods they have long called home. Call them the displaced. Now those priced out of the Bay Area are looking for a better life in an unlikely place. American Suburb follows this migration to one California town along the Delta, 45 miles from San Francisco. But is this once sleepy suburb ready for them?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/American-Suburb-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/news/series/american-suburb-podcast","meta":{"site":"news","source":"kqed","order":"13"},"link":"/news/series/american-suburb-podcast/","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=1287748328","tuneIn":"https://tunein.com/radio/American-Suburb-p1086805/","rss":"https://ww2.kqed.org/news/series/american-suburb-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkMzMDExODgxNjA5"}},"baycurious":{"id":"baycurious","title":"Bay Curious","tagline":"Exploring the Bay Area, one question at a time","info":"KQED’s new podcast, Bay Curious, gets to the bottom of the mysteries — both profound and peculiar — that give the Bay Area its unique identity. And we’ll do it with your help! You ask the questions. You decide what Bay Curious investigates. And you join us on the journey to find the answers.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Bay-Curious-Podcast-Tile-703x703-1.jpg","imageAlt":"\"KQED Bay Curious","officialWebsiteLink":"/news/series/baycurious","meta":{"site":"news","source":"kqed","order":"4"},"link":"/podcasts/baycurious","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/bay-curious/id1172473406","npr":"https://www.npr.org/podcasts/500557090/bay-curious","rss":"https://ww2.kqed.org/news/category/bay-curious-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9jYXRlZ29yeS9iYXktY3VyaW91cy1wb2RjYXN0L2ZlZWQvcG9kY2FzdA","stitcher":"https://www.stitcher.com/podcast/kqed/bay-curious","spotify":"https://open.spotify.com/show/6O76IdmhixfijmhTZLIJ8k"}},"bbc-world-service":{"id":"bbc-world-service","title":"BBC World Service","info":"The day's top stories from BBC News compiled twice daily in the week, once at weekends.","airtime":"MON-FRI 9pm-10pm, TUE-FRI 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/BBC-World-Service-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.bbc.co.uk/sounds/play/live:bbc_world_service","meta":{"site":"news","source":"BBC World Service"},"link":"/radio/program/bbc-world-service","subscribe":{"apple":"https://itunes.apple.com/us/podcast/global-news-podcast/id135067274?mt=2","tuneIn":"https://tunein.com/radio/BBC-World-Service-p455581/","rss":"https://podcasts.files.bbci.co.uk/p02nq0gn.rss"}},"code-switch-life-kit":{"id":"code-switch-life-kit","title":"Code Switch / Life Kit","info":"\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />","airtime":"SUN 9pm-10pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Code-Switch-Life-Kit-Podcast-Tile-360x360-1.jpg","meta":{"site":"radio","source":"npr"},"link":"/radio/program/code-switch-life-kit","subscribe":{"apple":"https://podcasts.apple.com/podcast/1112190608?mt=2&at=11l79Y&ct=nprdirectory","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93d3cubnByLm9yZy9yc3MvcG9kY2FzdC5waHA_aWQ9NTEwMzEy","spotify":"https://open.spotify.com/show/3bExJ9JQpkwNhoHvaIIuyV","rss":"https://feeds.npr.org/510312/podcast.xml"}},"commonwealth-club":{"id":"commonwealth-club","title":"Commonwealth Club of California Podcast","info":"The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.","airtime":"THU 10pm, FRI 1am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Commonwealth-Club-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.commonwealthclub.org/podcasts","meta":{"site":"news","source":"Commonwealth Club of California"},"link":"/radio/program/commonwealth-club","subscribe":{"apple":"https://itunes.apple.com/us/podcast/commonwealth-club-of-california-podcast/id976334034?mt=2","google":"https://podcasts.google.com/feed/aHR0cDovL3d3dy5jb21tb253ZWFsdGhjbHViLm9yZy9hdWRpby9wb2RjYXN0L3dlZWtseS54bWw","tuneIn":"https://tunein.com/radio/Commonwealth-Club-of-California-p1060/"}},"considerthis":{"id":"considerthis","title":"Consider This","tagline":"Make sense of the day","info":"Make sense of the day. Every weekday afternoon, Consider This helps you consider the major stories of the day in less than 15 minutes, featuring the reporting and storytelling resources of NPR. Plus, KQED’s Bianca Taylor brings you the local KQED news you need to know.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Consider-This-Podcast-Tile-703x703-1.jpg","imageAlt":"Consider This from NPR and KQED","officialWebsiteLink":"/podcasts/considerthis","meta":{"site":"news","source":"kqed","order":"7"},"link":"/podcasts/considerthis","subscribe":{"apple":"https://podcasts.apple.com/podcast/id1503226625?mt=2&at=11l79Y&ct=nprdirectory","npr":"https://rpb3r.app.goo.gl/coronavirusdaily","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM1NS9wb2RjYXN0LnhtbA","spotify":"https://open.spotify.com/show/3Z6JdCS2d0eFEpXHKI6WqH"}},"forum":{"id":"forum","title":"Forum","tagline":"The conversation starts here","info":"KQED’s live call-in program discussing local, state, national and international issues, as well as in-depth interviews.","airtime":"MON-FRI 9am-11am, 10pm-11pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED Forum with Mina Kim and Alexis Madrigal","officialWebsiteLink":"/forum","meta":{"site":"news","source":"kqed","order":"8"},"link":"/forum","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/kqeds-forum/id73329719","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5NTU3MzgxNjMz","npr":"https://www.npr.org/podcasts/432307980/forum","stitcher":"https://www.stitcher.com/podcast/kqedfm-kqeds-forum-podcast","rss":"https://feeds.megaphone.fm/KQINC9557381633"}},"freakonomics-radio":{"id":"freakonomics-radio","title":"Freakonomics Radio","info":"Freakonomics Radio is a one-hour award-winning podcast and public-radio project hosted by Stephen Dubner, with co-author Steve Levitt as a regular guest. It is produced in partnership with WNYC.","imageSrc":"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/freakonomicsRadio.png","officialWebsiteLink":"http://freakonomics.com/","airtime":"SUN 1am-2am, SAT 3pm-4pm","meta":{"site":"radio","source":"WNYC"},"link":"/radio/program/freakonomics-radio","subscribe":{"npr":"https://rpb3r.app.goo.gl/4s8b","apple":"https://itunes.apple.com/us/podcast/freakonomics-radio/id354668519","tuneIn":"https://tunein.com/podcasts/WNYC-Podcasts/Freakonomics-Radio-p272293/","rss":"https://feeds.feedburner.com/freakonomicsradio"}},"fresh-air":{"id":"fresh-air","title":"Fresh Air","info":"Hosted by Terry Gross, \u003cem>Fresh Air from WHYY\u003c/em> is the Peabody Award-winning weekday magazine of contemporary arts and issues. One of public radio's most popular programs, Fresh Air features intimate conversations with today's biggest luminaries.","airtime":"MON-FRI 7pm-8pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Fresh-Air-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/fresh-air/","meta":{"site":"radio","source":"npr"},"link":"/radio/program/fresh-air","subscribe":{"npr":"https://rpb3r.app.goo.gl/4s8b","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Fresh-Air-p17/","rss":"https://feeds.npr.org/381444908/podcast.xml"}},"here-and-now":{"id":"here-and-now","title":"Here & Now","info":"A live production of NPR and WBUR Boston, in collaboration with stations across the country, Here & Now reflects the fluid world of news as it's happening in the middle of the day, with timely, in-depth news, interviews and conversation. Hosted by Robin Young, Jeremy Hobson and Tonya Mosley.","airtime":"MON-THU 11am-12pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Here-And-Now-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"http://www.wbur.org/hereandnow","meta":{"site":"news","source":"npr"},"link":"/radio/program/here-and-now","subsdcribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=426698661","tuneIn":"https://tunein.com/radio/Here--Now-p211/","rss":"https://feeds.npr.org/510051/podcast.xml"}},"how-i-built-this":{"id":"how-i-built-this","title":"How I Built This with Guy Raz","info":"Guy Raz dives into the stories behind some of the world's best known companies. How I Built This weaves a narrative journey about innovators, entrepreneurs and idealists—and the movements they built.","imageSrc":"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/howIBuiltThis.png","officialWebsiteLink":"https://www.npr.org/podcasts/510313/how-i-built-this","airtime":"SUN 7:30pm-8pm","meta":{"site":"news","source":"npr"},"link":"/radio/program/how-i-built-this","subscribe":{"npr":"https://rpb3r.app.goo.gl/3zxy","apple":"https://itunes.apple.com/us/podcast/how-i-built-this-with-guy-raz/id1150510297?mt=2","tuneIn":"https://tunein.com/podcasts/Arts--Culture-Podcasts/How-I-Built-This-p910896/","rss":"https://feeds.npr.org/510313/podcast.xml"}},"inside-europe":{"id":"inside-europe","title":"Inside Europe","info":"Inside Europe, a one-hour weekly news magazine hosted by Helen Seeney and Keith Walker, explores the topical issues shaping the continent. No other part of the globe has experienced such dynamic political and social change in recent years.","airtime":"SAT 3am-4am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Inside-Europe-Podcast-Tile-300x300-1.jpg","meta":{"site":"news","source":"Deutsche Welle"},"link":"/radio/program/inside-europe","subscribe":{"apple":"https://itunes.apple.com/us/podcast/inside-europe/id80106806?mt=2","tuneIn":"https://tunein.com/radio/Inside-Europe-p731/","rss":"https://partner.dw.com/xml/podcast_inside-europe"}},"latino-usa":{"id":"latino-usa","title":"Latino USA","airtime":"MON 1am-2am, SUN 6pm-7pm","info":"Latino USA, the radio journal of news and culture, is the only national, English-language radio program produced from a Latino perspective.","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/latinoUsa.jpg","officialWebsiteLink":"http://latinousa.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/latino-usa","subscribe":{"npr":"https://rpb3r.app.goo.gl/xtTd","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Latino-USA-p621/","rss":"https://feeds.npr.org/510016/podcast.xml"}},"live-from-here-highlights":{"id":"live-from-here-highlights","title":"Live from Here Highlights","info":"Chris Thile steps to the mic as the host of Live from Here (formerly A Prairie Home Companion), a live public radio variety show. 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Updated Monday through Friday at about 3:30 p.m. PT.","airtime":"MON-FRI 4pm-4:30pm, MON-WED 6:30pm-7pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Marketplace-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.marketplace.org/","meta":{"site":"news","source":"American Public Media"},"link":"/radio/program/marketplace","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=201853034&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/APM-Marketplace-p88/","rss":"https://feeds.publicradio.org/public_feeds/marketplace-pm/rss/rss"}},"mindshift":{"id":"mindshift","title":"MindShift","tagline":"A podcast about the future of learning and how we raise our kids","info":"The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED MindShift: How We Will Learn","officialWebsiteLink":"/mindshift/","meta":{"site":"news","source":"kqed","order":"2"},"link":"/podcasts/mindshift","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/mindshift-podcast/id1078765985","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5","npr":"https://www.npr.org/podcasts/464615685/mind-shift-podcast","stitcher":"https://www.stitcher.com/podcast/kqed/stories-teachers-share","spotify":"https://open.spotify.com/show/0MxSpNYZKNprFLCl7eEtyx"}},"morning-edition":{"id":"morning-edition","title":"Morning Edition","info":"\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.","airtime":"MON-FRI 3am-9am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Morning-Edition-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/morning-edition/","meta":{"site":"news","source":"npr"},"link":"/radio/program/morning-edition"},"onourwatch":{"id":"onourwatch","title":"On Our Watch","tagline":"Police secrets, unsealed","info":"For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. 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