As a gerontologist who has helped countless older adulhttps://thehill.com/opinion/healthcare/5617927-congress-medicare-reform-dangers/ts navigate the Medicare maze, I’ve seen how one enrollment decision can shape someone’s quality of life for decades. That’s why the new legislation before Congress, H.R. 3467, should alarm anyone who cares about protecting older Americans’ health and autonomy.
The bill, sponsored by Rep. David Schweikert (R-Ariz.) and introduced in May, would automatically enroll new Medicare beneficiaries into the lowest-premium Medicare Advantage plan available in their ZIP code unless they actively opt out. Even more troubling, it would lock them into that plan for three full years, limiting their ability to switch back to traditional Medicare or select a new plan except under narrowly defined hardship circumstances.
At first glance, “auto-enrollment” sounds efficient, with fewer decisions to make at a confusing time. But when you dig deeper, this proposal removes freedom rather than simplifying a decision. Many would find themselves stuck in private insurance plans they never chose, possibly unable to access trusted doctors, specialists or hospitals outside their network.
Older Americans are far from a uniform group. Their health, medications and financial circumstances vary dramatically. Yet H.R. 3467 assumes everyone will benefit from being placed in the cheapest available plan.