http://www.latimes.com/business/la-fi-golden6apr06,1,4779499.column?coll=la-utilities-business&ctrack=1&cset=true"States' rights" is one of those political shibboleths that conservatives love to trot out to block federal initiatives they don't care for. But they're happy to lock it away when it proves inconvenient to something they love. Like, say, the health insurance lobby.
That's when we get something like the Health Insurance Marketplace Modernization and Affordability Act of 2005, sponsored by Wyoming Republican Sen. Michael B. Enzi and waved through committee on a party-line vote last month. I don't know about you, but every time I see a bill carrying a "what's-not-to-like" title like this one, I check for my wallet and I count the silverware. Then I read the thing.
Sure enough, Enzi's bill would "modernize" the health insurance marketplace right into the Stone Age.
The measure's goal is ostensibly to allow small businesses to jointly purchase health insurance for employees. A laudable goal, certainly. In our national system of employer-provided health insurance, the small enterprise is notoriously a weak link.
But Enzi's bill uses small businesses and their workers as human shields to mask an all-out assault on state regulation of health insurance across the country. He proposes to preempt state regulators on a wide range of issues, replacing their standards with federal rules that in some respects have already proven to be dismal failures, and in other respects will be easily manipulated by the insurance industry. The preemptions will apply not only to small-employer plans, but to individual health insurance and large-group plans, too — in other words, pretty much everybody...............