Of course, CHIP’s proponents in Congress will push for full reauthorization, citing—among other factors, including video clips of suffering children and parents filled with worry—that, in 2013, 6M children out of the 9.1M eligible for coverage had CHIP insurance. What will happen to all of those children if they don’t have CHIP?
What CHIP’s proponents won’t admit is that 6.4M children within the CHIP population already have access to “affordable health” insurance from other sources:
- 5.1M qualify for subsidized insurance in the Obamacare exchange; and,
- 1.3M can access employer-sponsored coverage through one or both parents.
Do the math: Only 2.7M children within the eligible CHIP population of 9.1 million actually need CHIP funding. According to a report published by the American Action Forum:
- 1.6M children in CHIP do not qualify for premium tax credits through their parents’ employer coverage. Why not? The IRS bases its assessment of “affordability” on the cost of the individual employee’s coverage, not on the overall cost to the family. If the IRS deems employer-sponsored coverage “affordable,” the family does not qualify for subsidies. It’s called “family glitch.”
- 645k children who are currently uninsured and qualify for CHIP also fall into the “family glitch.”
- 460k children receive CHIP coverage due to various states’ expansions of their Medicaid programs.
With CHIP’s fundamental purpose now subsumed under the umbrellas of Obamacare and states’ expansion of Medicaid, it’s time to provide CHIP hospice care.
Let the discussion begin…
To read the American Action Forum’s report, click on the following link:
"Who Still Needs CHIP?"