ObamaCare: While NC fiddles, other states carry on fight to protect residents





Earlier, we reported on the cushy treatment North Carolina insurance commissioner Wayne Goodwin has been getting regarding this ObamaCare mess.  Ol’ Wayne brags on his web site that everything related to insurance in this state has to be okayed by HIM.

(National analyses have found North Carolina will be hit the hardest by ObamaCare. )

But a chorus of business elites and establishment Republicans have defended Goodwin from our criticism — suggesting that his hands are tied by Washington.  Question:  If he is so impotent, why do we need him? Shut down his office and use the funds to pay down on those billions in state debt.  

Oklahoma has filed suit against the feds over ObamaCare.  Their insurance regulators also allowed for early insurance renewals in order to help state residents avoid the mass cancellations so many across the country are experiencing.

Georgia’s insurance commissioner is fighting ObamaCare tooth-and-nail, much to the ire of lefties across his state and the nation. 

While the media was busy with beating up the legislature over its fight against ObamaCare, Wayne Goodwin stayed below radar.  Now that there is a national uproar, and the horse is out of the barn, Goodwin is stepping out into the spotlight to bash, not the concept of ObamaCare itself, but the process for rolling it out. 

Goodwin says he is going to do what he can to help Barry Obama with his “fix”:

The state’s insurance commissioner is joining the Obama administration’s plan to browbeat/lure/trick insurance companies into ignoring federal law and offering insurance plans that don’t meet the minimum requirements for policies under Obamacare.

They’ll probably be sorry if they fall for this one.

WRAL reported:

Insurance Commissioner Wayne Goodwin vowed Friday that his agency would speed the approval process for insurers to offer 2014 health plans that don’t meet the minimum requirements of the Affordable Care Act. President Barack Obama on Thursday granted a one-year exemption for such plans ….

First, this will be fiendishly difficult to implement, and insurers will be left holding the bag if it flops as badly as Obamacare has done so far.

Second, as many have noted, the Affordable Care Act is law — settled law, as Democrats were so quick to remind us mere weeks ago. It was passed by Congress, signed with much ado by the president, then specifically validated by the Supreme Court.

It’s the law. What happens, then, if an insurer disregards it, as President Obama and his fellow Democrat, Goodwin, are telling them they should do?

As journalist Megan McArdle mused, “If those policies end up in court, will a judge go along with their creative approach? And if a judge doesn’t go along with it, what sort of chaos will envelop the insurance market?”

The insurance companies would be leaving themselves wide open to a lawsuit by anyone who has any grievance that even touches on these issues. To repeat: the companies would be knowingly breaking a federal law.

And would Obama help them? Sure, just as much as he helped the Syrian rebels, the Americans attacked at Benghazi, and the groups targeted by the IRS.

Back in NC, insurers should understand they are being played for suckers. Trying to rewrite policies in a huge hurry invites major mistakes. And Goodwin seems ready to pounce. According to WRAL:

Insurers will still face consequences if plans are later deemed overpriced, Goodwin said.

“Then, there will be appropriate repercussions against those insurance companies,” he said.

So if the insurers go along with the state, they are lining up to be smacked later if the policies are “deemed overpriced.”

As he told the N&O:

“Where we would normally catch things on the front end, we will catch things on the back end,” N.C. Insurance Commissioner Wayne Goodwin said Friday. “If upon later review we discover they’re overcharging and they’re not compliant with the law, insurers will be subject to administrative action.”

The “fixes” are a ticking time bomb. And anyone who gets involved is going get caught in the blast.

Four years ago, this law was passed with specific standards for insurance policies.  If  an insurance policy does not meet those standards, it cannot be sold in a world governed by ObamaCare.  Insurance companies, naturally, don’t want to purposely violate the law.  So, they took the initiative to cancel the policies that did not meet the O-Care standards and prepare themselves for this brave new world in the insurance industry.

It cost a lot to shut these policies down.  It will cost a lot to reinstate them.  It will cost even more to cancel them AGAIN right after the 2014 vote. 

The authors of the bill knew policies would be canceled.  Insurance professionals at all levels across the country knew the cancellations were coming.  Democrats have admitted publicly that they knew O-Care would mean people would lose their insurance. 

Democrats and O-Care fans — from Barry himself, to Kay Hagan, and Goodwin — are not reacting like this because they have experienced an epiphany.  They recognize the anger out there among the grassroots, and are looking to temporarily calm things down — until after the 2014 vote.

Mike Causey,  Goodwin’s Republican opponent in 2012, ran a pretty weak campaign.  But he did raise some important issues about how the insurance business is regulated here in North Carolina.  Those concerns and Goodwin’s watercarrying for this ObamaCare catastrophe give North Carolina voters a lot to chew on and consider between now and the 2016 Council of State votes. 


6 thoughts on “ObamaCare: While NC fiddles, other states carry on fight to protect residents

  1. We should have a lot of Republicans chomping at the bit to take down this weasel in 2016. Too bad that he is not up in 2014.

    1. I have to agree with you Ralph. Too bad Goodwin was voted in last term. I think Mike Causey has a lot to bring to the table. He has a no nonsense approach and a solid understanding of the steps that are needed to be taken to unravel this mess, O-Care and the tangled mess within Goodwins office. Anyone who supports insurers to break federal law, or any law should be removed. TimmiB

  2. Wayne is looking at the bigger picture. And the bigger picture is “politics.” In some sick way the Democrats think they can place the blame for Obamacare on the NC Republicans. I think the reasoning is the same that if you dig straight down you will come out in China. Wayne is flippin’ and floppin’ just like ol’ Roy. Who knows, the Democratic strategy may well work out. They may dumb us to death.

  3. This is what happens when he let a Council of State seat stay Democrat. And citizens forgive us–we did not even challenge Roy Cooper!

  4. I believe there’s some misdirected anger here. Did Goodwin oppose Obamacare’s federal insurance intervention? Yes. Did he work with GOP legislative leaders as they fought Obamacare in court? Yes, as far as I can tell. Did he support the positions of the insurance agents in our towns as they fought various Obamacare provisions? Yes. Did he follow state laws written in opposition to Obamacare by the current legislature? Yes. And, did he take a position that helps insurance companies be able to re-offer un-canceled insurance policies, if they wanted, and help this state’s residents who are harmed by Obamacare? Yes, according to the news last week, and including on the Fox news network. Doesn’t the position he took in seeking uncanceled policies actually undermine Obamacare? Yes. And didn’t he recover over $156,000,000 for citizens harmed by Obamacare, money that was sent to the policyholders back from an insurance company? Yes.

    Your original headline, “ObamaCare: While NC fiddles, other states carry on fight to protect residents” and the original post make it sound like our insurance commissioner is doing nothing to protect residents. That is far, far from the truth. Many states aren’t doing as much as our commissioner of insurance is.

    As far as I can tell, though, with the vitriol in this Daily Haymaker post, it appears that the only thing wrong with Insurance Commissioner Goodwin is that he is a Democrat. If you’re going to oppose him for his voter registration, please don’t gin up some false accusations against him. It only makes our state Republican Party look petty and dishonest.

    1. Raymond,

      With all due respect, the concern is Goodwins flip-flopping, as Jr. Cooper stated above. Even in sports, team players know that a coach that knows what he’s doing, is confident in leading his team, would never stop his team in the middle of a play and says “help the opposing team make their field goal”. It does not make sense to turn around and support a plan that has already clearly failed us all.

      I also have to question his motives with his new direction. Was his initial O-Care opposition a strategy to win the 2014 election? Is his current flip-flop strategy another self serving political move?

      No disrespect is intended towards your comment Raymond. I’m simply a concerned North Carolina citizen with a family to care for – including providing good health coverage in which we no longer have since the implementation of O-Care!



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