National Non-Profit Health Insurance Option Under Construction

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affordable health care option
Credit: American Progress

The United States is set to offer a national, non-profit health insurance plan. This new provision is a portion of the health care overhaul under the Affordable Care Act. The new provision is one of the more contentious portions of the national health care package.

Once this new provision is set in place the non-profit option, and thus the Obama administration, will be the sponsor of at least two nationwide health insurance plans. This new system will offer a health insurance plan to consumers in every state.

Unlike the original policy contemplated under the Affordable Care Act, this plan will act as a competitor for existing health care providers. The non-profit health insurance option replaced a pure governmental health care option that became the focus of a heated debate between the right and left.

Like other health insurance providers, benefits and premiums will be negotiated, and the US Office of Personnel Management has been charged with this task. The independent administrative agency serves many employment related functions and is also the primary conduit for security clearances for federal and civilian workers.

The plans that are structured by the Office of Personnel Management will be available to consumers through state health insurance exchanges. These exchanges act as marketplaces where consumers can find the most cost-effective healthcare options for their household.

Once put in place, a non-profit governmental agency, most likely the Government Employees Health Association (GEHA), will manage the health plans. GEHA currently manages the health coverage of over 900,000 federal employees and their households and is best suited for overseeing the non-profit option.

Commenting on GEHA’s role in the process, the association’s president, Richard G. Miles, stated “our expertise in the Federal Employees Health Benefits Program would be useful in the private marketplace, but we are concerned about the underwriting risk in providing insurance to an unknown group of customers.”

The Obama administration is expecting 750,000 people to select the federal non-profit option within the first year of operation.

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  1. Julia I really like the sound of this. I am excited for the reforms that are coming with the healthcare bill, but this one takes the cake. I recently got married and have been looking for insurance that is affordable and will cover both of us with our preexisting condition, we both have asthma, which is not easy to do on a low budget. I hope this part of the overhaul begins soon. I would really love to have good insurance at an affordable price.
  2. Wayne Treece No as Ido not think the government should be in the insurance business
  3. Steven Helsel Just another way of undercutting our private insurance so everyone will have to go Obama's way.....then healthcare will be in the crapper just like England! Wake up people!
  4. Julia Um, have you seen how well the "socialized" health care system works? People in America die everyday because they don't have insurance and can't afford the office fees. People who live in countries with a single payer/universal healthcare system are healthier and live longer on average. Their system works, ours does not.
  5. Randy Womack Yes.
  6. Scott W. Trent Jr. I like the "idea" and WE do need a single payer system for EVERY ONE..... also IF YOUR CONGRESS would leave (LEFT) the dollars in the TRUST FUNDS that YOUR CONGRESS created, then NONE of the Trust Funds would be in trouble. SO GET OFF YOUR asses and TELL YOUR CONGRESS person, if that is what they are? to leave the damm dollars that go into the Trust Funds in there and to ADD BACK the dollars THEY TOOK OUT...... THEN NONE OF US will need to worry abt. the "entitlements", not even the hwy. funds!!!!!!!! GET IT RIGHT FOLKS, GET R' DONE!!!! YOU ALL are bitching in the wrong place!!!!! YOU re-elected YOUR FOOL<, now TELL THEM to do RIGHT!!!! IF YOU HAVE THE GUTS!!!!!
  7. Jessie A Nichols yes
  8. Jessie A Nichols yep!
  9. Julia This is only a health insurance option. If you don't like what they offer, go with a different company.
  10. Julia This is because greedy politicians can't keep their hands out of the cookie jar.
68 comments
Julia
Julia

I really like the sound of this. I am excited for the reforms that are coming with the healthcare bill, but this one takes the cake. I recently got married and have been looking for insurance that is affordable and will cover both of us with our preexisting condition, we both have asthma, which is not easy to do on a low budget. I hope this part of the overhaul begins soon. I would really love to have good insurance at an affordable price.

Wayne Treece
Wayne Treece

No as Ido not think the government should be in the insurance business

Steven Helsel
Steven Helsel

Just another way of undercutting our private insurance so everyone will have to go Obama's way.....then healthcare will be in the crapper just like England! Wake up people!

Scott W. Trent Jr.
Scott W. Trent Jr.

I like the "idea" and WE do need a single payer system for EVERY ONE..... also IF YOUR CONGRESS would leave (LEFT) the dollars in the TRUST FUNDS that YOUR CONGRESS created, then NONE of the Trust Funds would be in trouble. SO GET OFF YOUR asses and TELL YOUR CONGRESS person, if that is what they are? to leave the damm dollars that go into the Trust Funds in there and to ADD BACK the dollars THEY TOOK OUT...... THEN NONE OF US will need to worry abt. the "entitlements", not even the hwy. funds!!!!!!!! GET IT RIGHT FOLKS, GET R' DONE!!!! YOU ALL are bitching in the wrong place!!!!! YOU re-elected YOUR FOOL<, now TELL THEM to do RIGHT!!!! IF YOU HAVE THE GUTS!!!!!

Dianne DeMattia
Dianne DeMattia

well let me just say that our non-profit before and afterschool childcare, provided by our local gov't, is the most expensive childcare around. They have a monopoly at all school sites. All day tuition at the local Catholic school is cheaper than the public, non-profit before & after school program. There is no WAY gov't can do health care cheaper, guaranteed!

Joanne Bonner Leavitt
Joanne Bonner Leavitt

Then you can continue to buy from the highly ethical and trustworthy commercial, for profit insurance companies.

Carrie Calentine Lyon
Carrie Calentine Lyon

When I think of nonprofit on a smaller scale like a local nonprofit in order for the doors to remain open they must depend on donations from people in the community. Without donations their doors close. So who is going to donate to this nonprofit healthcare to keep it going??

Judy Ferro
Judy Ferro

Yes, but I don't think this is in the current legislation...

Curt Greenleaf
Curt Greenleaf

Well Run Government Programs- 1. Social Security/Medicare ; status- Going Broke 2. Fuel Tax ( Provides maintenance and Infrastructure creation. Only 15% of the funds actually are applied. The balance is used for Other programs).; Status- Terrible. 3.United States Government; Status Nearly Bankrupt. 4. Public Education System; Status-Test Grades and General Intelligence Nose Diving. 5. Fannie and Freddie Government based Mortgage services; Status - Disaster! Main cause of Housing Crisis by lending to Unqualified borrowers. United States Constitution; Status -Nearly Nonexistent due to Government Intrusion and Reduction along with Inattentive Citizens.

Robert Hayton
Robert Hayton

Not unless those plans offer unrestricted access to chiropractors, naturopaths, accupuncturists, herbalists, etc.

Katherine Hunt Arabis
Katherine Hunt Arabis

It's just one option people, if it sucks, the people will opt to buy the more expensive private plans. If it does a good job, then the private plans will have to compete. It's called a free market, you know, capitalism.

Katherine Hunt Arabis
Katherine Hunt Arabis

Great. Sounds good. Then maybe these blood sucking insurance companies will have to compete!

Steven Maher
Steven Maher

Go to Politifact.com and research The Affordable Health Care Act A.K.A. Obama-care. Educate yourself by reading source's that are less likely to be biased. Otherwise, most people don't have a clue about the new health care reform and are only reading slandering sources that are mostly opinion based.

Angelo Giuliano
Angelo Giuliano

Non profit health care makes sense.. i dont want doctors looking at me as profit but a person same with my health insurance provider. if im sick im sick cure me do not dump me on the side of the road cause you bled my bank account dry. (which does happen whether the anti obamacare people want to acknowledge it or not)

Richard Boehme
Richard Boehme

Do you want the govt to decide who you see, when you see them and what level of care you deserve.

Richard Boehme
Richard Boehme

People in Canada come here because of the wait involved if they have pressing needs. The governor of Nova Scotia came here for heart surgery for that very reason.

Luke Enoch
Luke Enoch

The only Canadians that come to the US for healthcare are the ones that can afford the full price of treatment or operations, meaning they don't need insurance.

Jerry Sawchuk
Jerry Sawchuk

Ruthie that's why the people come here because there's sucks.The nurses also come here to work because of the pay. I lived there its not good if u have somethig fatel.

Jerry Sawchuk
Jerry Sawchuk

If Obama care is to cover everything can someone tell me why Medicare and Medicade doesn't all fall under Obama care. I understand now but it looks like down the road it going to be Obama care when they drive everyone out of business.

Janet Lynn
Janet Lynn

Oh for goodness sakes. Haven;t you got the fact that anything the Federal Govt tries to run costs ten times what it should and never works. Check out Medicare, Social Security, Medicaid .....do I need to go on................if you think they should then I guess you voted for Obama'''''''''''''''

Ruthie Gale-Paredez
Ruthie Gale-Paredez

I met people from Canada the other day that think we are backwards because we do not have National Healthcare. They say it is the best ; )

Richard Boehme
Richard Boehme

Its called the road to single payer system, then the govt will decide when you get care, by who & what level you deserve. This is why Canadians come here when they have dire health care needs.

Mike Shortridge
Mike Shortridge

it really won't matter much longer anyhow.. the derivatives market is on the verge of a collapse that will make 08 look like a walk in the park. so yeah .. more free crap, why not.. just print a billion for everybody!

Mike Shortridge
Mike Shortridge

i can help you there John Haag ... NDAA is in direct violation of the 5th amendment ... not to mention patriot act, DHS, and many others. obama blatantly broke the oath of office. it is as clear cut as it gets, but left won't even talk about those issues.

Juan Oscar
Juan Oscar

@john haag, no, we just calling out unamerican bs, doesnt sound good, think longterm, is a law of over 2000 pages, which no dem politican read, and it doesnt (as per cnn, fox, ny post, wsj, ) do what it promises....

Christopher Smith
Christopher Smith

Is it like the US Postal Service or CalTrans if so it sure as hell is for a profit, just not to the public. Is it like Kaiser glorified Clinic Care or Private Doctors? Does anyone ever ask questions any more or are they just like, yaaaaaaaa free stuff that they tax me for anyways?

Evelyn Billington
Evelyn Billington

yes yes and yes again. the only way health insurance works is by making it non profit. Just look at Europe and other countries who have successful health care insurance for their entire populace. Free market does not work in regard to insurance. All you get is rich insurance companies and ordinary people going bankrupt on medical payments.

Robert Schmid
Robert Schmid

YES!! We should also have a Uniform Insurance Code similiar to the Uniform Commercial Code so that Insurers/Insured can sell/buy across state lines.

John Haag
John Haag

The Fox "News" GOP anti-reality bubble is certainly aparent in the anti-Obama posts here.

Luke Enoch
Luke Enoch

Medicare for all aka single payer system please.

John Haag
John Haag

How is this administration "illegal," Yvonne? Please be as specific as you can be.

John Haag
John Haag

Yes. We should. I'd go further and make Medcare available for all.

Julia
Julia

Um, have you seen how well the "socialized" health care system works? People in America die everyday because they don't have insurance and can't afford the office fees. People who live in countries with a single payer/universal healthcare system are healthier and live longer on average. Their system works, ours does not.

Julia
Julia

This is because greedy politicians can't keep their hands out of the cookie jar.

Julia
Julia

This is only a health insurance option. If you don't like what they offer, go with a different company.