When The Healthcare Parachute Fails To Open

So what’s going on? It’s a domino affect that starts with the rising cost of health care. Health care costs have increased by leaps and bounds, due to the use of expensive, technologically advanced equipment in treatments and the high cost of malpractice insurance for health-care providers, not to mention the need for pharmaceutical companies to recoup their research and development costs before they lose their five-year exclusive patents. Insurance companies have to pay claims based on these increased costs, so they raise premiums. Then, employers have to pay the high premiums to provide coverage for their employees.

Although federal law requires companies

Now that we have the CHIP and THKC programs, how do we go about expanding them in such a way as to include uninsured adults? My suggestion to TexCare is a simple one. You’ve designed two programs to help families insure their children, so the administrative system is in place. Simply take the same programs and open them to adult health care providers, making them available to all qualified members of the family at one time. One single application would cover them all, and plug up the hole in the TexCare parachute.

The second, and more pressing issue is that even these plans neglect one faction of the population, middle-class uninsured adults. For example, if Dad gets a job, he gets insurance, but his employer won’t pay for the wife and kids’ coverage, and he is making too much to qualify for Medicaid. CHIP or Texas Healthy Kids can help the family afford insurance for the kids, but what about Mom? She can’t get a job because she can’t afford childcare, but she can’t afford her own health insurance either. There is a hole in TexCare Partnership’s golden parachute that won’t be mended until the affordable coverage provided for children is extended to include uninsured, middle class adults who don’t qualify for Medicaid or Medicare.

First, the TexCare Partnership only exists in the state of Texas, hence the name. In order to come anywhere near solving the overall problem, programs like this will have to be established in all fifty states. Although the other forty-nine states have been given federal grant money, just as Texas was,

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