The EO starts out sounding nice. Problems in the 1st paragraph. There is this myth about buying insurance across state lines.
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& subsidies (both for premiums and for services)
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This EO's solution is AHPs, STLDI, and HRAs. I'm not a health insurance expert, so I'll do my best with these.
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AHPs seem to be good & bad. They can provide self-employed/small employers (huge part of Maine) access in different ways.
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This would provide those folks access to potentially less expensive insurance, but make the risk pools they leave less stable.
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This creates different winners/losers, but tough to tell if there is a net gain. There would probably be a short term gain to
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those who move, a short term loss to insurers. Everything would re-balance a year or so out, more $ pp into exchange...somehow.
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A better choice might be to open up MaineCare to businesses/individuals to buy in. That would expand the state's risk pool.
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Shoring up the risk pool, we could expand MaineCare access & provider compensation *without* a tax increase. By consumer choice.
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STLDI plans are generally worse than current ACA plans, though they may be less expensive...because they cover less.
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Not the best analogy, these remind me of when you have a car & can't afford insurance so the lender is like "yo, we have this insurance"
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End of conversation
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