Sunday, March 24, 2024

Segmented Risks: Eligibility and Resentment on Insurance Exchanges

 


Dog Whistle Politics- coded racial appeals that carefully manipulate hostility toward nonwhites
  • Shaped/shapes peoples understanding of whether or not ACA healthcare is for them
  • Frame "obamacare" as a policy to help minorities and people of color
  • Frame "obamacare" as a failed policy meant to hurt whites and assist in "replacement" of the white race (replacement theory)
  • imperceivable to some audiences (hence dog whistle)
  • mobilizes white racial fears
  • other reasons to reject ACA
    • seen as just for rich people (those who fall through the cracks and cant afford the high deductibles or premiums)
    • seen as only for poor people for those "temporarily on hard times"
STORIES OF NON-BELONGING- different meanings for different families (factors)
  • racial politics
  • decision by red states not to expand medicaid
  • means tested actuarial coverage rather than universal coverage
    • guarantee that experiences of coverage vary tremendously depending on one's personal circumstances
MEANS TESTING, ACTUARIAL CATEGORIES AND BELONGING
  • 80% of the people were advised that the law was not for them
    • if you like your coverage you dont need to change
  • Price grid was very difficult to understand
    • dependent on age, marital status, income and coverage sought
  • Changes in eligibility status means moving in and out of programs when means are adjusted or income changes, even slightly
    • disrupts continuity of service
  • Stigma associated with receiving aid to premiums
Coverage Problems
  • least expensive plans have the most restricted coverage. 
    • It becomes hard to find doctors who will take your insurance
  • plan also marks you as different from other people -again, stigma
  • Got insurance as a way to "care for one another" (Wendy and Mike)
    • ended up getting most care at hospital emergency rooms and referrals from insurance provider
Insurance for a flexible economy (Erica)
  •     originally thought obamacare was for low income people, not people like her
  • irregular jobs and working commission made it difficult to predict her income
The Coverage GAP and dog whistling
  • Obamacare framed as a way to take power away from white people
  • 1930s- excluding POC from social security was a way to appease sothern states as was the electoral college
  • use the states rights argument to limit programs for the poor and minorities
Resentment in the Coverage Gap: Florida
  • Kenny was not angry at the boss who fired him, or at the erosion of opportunities for men with a high school diploma,  but at Obama
  • angry he could not afford a plan on the exchange, and had no good alternatives
  • fell through the civeage gap without the expansion of medicaid
Letting Die
  • extreme poverty is viewed as a way of killing
  • refusal to expand medicaid is a way of killing the poor
  • 7,000-17,000 avoidable deaths
  • In addition to perpetuating racism, shortens the lives of people of color
  • policies are commensurate with backlashes against, equal opportunity, women and LGBTQ+ rights and anyone else who appears privileged by entitlements
  • value individual responsibility over social responsibility



No comments:

Post a Comment

Group Healthcare Narrative Template

  Title (bold) Opening Vignette setting the mood and introducing your audience to an iconic scene in your fieldsite  make sure at least one ...