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Ezra Klein “The Republican Party’s play is Fred Upton’s “Keep Your Health Plan Act.” The law is poorly named: It doesn’t actually guarantee that you can keep your health care. Instead, it allows insurers to keep offering their current plans and also allows them to offer new plans that aren’t ACA compliant.

At a slim 235 words, Upton’s bill is a master class in the pitfalls of soundbite legislation. It manages to fail to solve the problem it’s actually aimed at while creating a new political problem — this time, for Republicans.

The bill gives insurers the option of renewing their cancelled plans — but, crucially, it doesn’t require them to do so. Few insurers want to renew those plans, as they don’t expect them to be profitable in a post-Obamacare world. So Upton’s bill doesn’t mean people can keep their current health insurance, but it means they can begin (wrongly) blaming their health insurer rather than the Obama administration for the cancellation of that insurance.

Meanwhile, Upton’s bill has a secondary provision allowing insurers to offer new plans in 2014 that don’t comply with the Affordable Care Act’s consumer protections. So if an insurer wants to continue turning people away for being sick, they can go right ahead. If they want to offer shoddy coverage that’ll evaporate the moment a health crisis strikes, that’s their prerogative. The result is that Upton guts the law’s extremely popular insurance regulations. “A vote for the Upton bill, in short, is a vote for everything Americans say they hate about their health-care system,” Jon Cohn writes.”

http://www.washingtonpost.com/blogs/wonkblog/wp/2013/11/14/everything-you-need-to-know-about-the-plans-to-fix-obamacare/

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