Very Surprising HHS Analysis on Ted Cruz’s Amendment to the Healthcare Bill


There has been a lot of criticism of the Cruz Amendment to the Republican healthcare bill but an analysis by the Department of Health and Human Services has some very unexpected news.

The Amendment, which allows insurers to offer any plan as long as they offer one Obamcare-compliant plan will lower premiums and increase enrollment.

For example, those who sign up for the Obama Silver plan, who are generally in the high risk category, would pay $380 per month by 2024, instead of $845. Those with plans outside the Obama mandated plan, would pay $240 per month on average by 2024. Under this analysis, the non-Obama plans maintain a $12,000 deductible.

HHS says enrollment would increase.

Cruz wants the more liberal Republicans to take the Amendment seriously. A revised Cruz Amendment puts all individuals into a single pool and doesn’t divide them according to high risk or lower risk. He believes Republicans who are not conservative will more likely vote for the single pool.

Politico reported on the HHS findings but is dedicated to dismembering the HHS analysis. The fact is, however, that nothing could be worse than Obamacare. It’s failing, and, no matter what phony polls they put up, Obamacare is also very unpopular.

The GOP needs to take the Cruz Amendment seriously. It gives more freedom of choice which they claim they want.


  1. As one who lost insurance upon retirement I opted to pay the fine/tax rather than paying an overpriced health plan with the added burden of deductibles. It was, and is more cost effective to just pay for the costs of healthcare out of pocket. As some have suggested a person can go to a healthcare provider and offer to pay the Medicare reimbursement rate and in all likelihood it would be accepted.

    At the outset I had difficulty in understanding the complaints about deductibles in Obamacare. In literally Every insurance plan I ever had there were deductibles in place. In my own experience it would be about two to three thousand dollars. I did NOT have to pay the full charge until the deductible was met. It was an 80/20 compensation. I would be required to pay the 20% until the deductible was met. The insurance would then pay 100% of what the plan covered. What wasn’t covered in that amounted to a “second” deductible. So it appears that Obamacare turned the typical insurance deductible into a bastardization of its original design. No wonder the insurance companies have recorded record profits.

    I had one experience with United Healthcare that epitomized the problematic policies of insurance payments. The doctor scheduled scans because of serious concerns about a health matter. Apparently United didn’t get the “proper paperwork” and thus denied the claim to the hospital. I went back and forth with United to no avail. So, United did NOT have to pay the bill but I DID have to pay MY co-pay of $400. This caused me to speculate whether high hospital costs aren’t the result of insurance companies failing to pay. There is also the issue of the near insurmountable hurdles in collecting fees. There are many doctor’s offices that have people dedicated to making call after call after call in order for paperwork to meet insurance guidelines. I suspect this is all a tactic to minimize payments.

Leave a Reply