Hunter Sego was at a Greencastle, Indiana, CVS recently when the 26-year-old graduate student did a double take: the cost of filling his insulin prescription and test strips totaled $1,800.
“He goes: ‘Mom, this cannot be right. We have insurance right?’ ” his mother, Kathy Sego, recalled. “And I go ‘Yeah that’s normal. Go ahead and pay for it.’”
The Segos have been struggling with the soaring cost of insulin and diabetic supplies since Hunter was first diagnosed at age seven – especially with a high deductible on their health insurance. Hunter, who calls the price “absolutely asinine,” is rationing his insulin use to stretch out his expensive supply.
So, when Kathy saw GOP lawmakers this summer block an effort to cap insulin costs for those on private insurance, the former registered Republican decided that was enough: she would vote Democratic this fall.
Michelle Pemberton/IndyStar
“I just don’t want to be so political, but this is not the Republican party that I grew up with,” she said. “If you’re a Republican and you’re going to vote for (lowering insulin costs) and I know you’re gonna vote for that – by gosh – I’ll vote for you.”
While polls suggest the economy, abortion and crime remain top of mind among many midterm voters, health care remains a motivating issue for some voters, like Sego. In several battleground states, the issue could help determine whether Republicans wrest back control of Congress or whether Democrats expand their narrow grip.
Democrats hold a commanding lead – 51%-27% – among voters who prioritize health care, according to a Pew Research Center survey released Thursday. The problem for the party in power is that other issues – inflation, the economy, gun violence, abortion, immigration, and climate change – all rank as higher concerns among midterm voters, a recent Reuters/Ipsos survey shows.
While inflation does dominate voter headspace, health care is still a top “second tier” issue to voters, said Bob Blendon, a professor of health policy and political analysis, emeritus, at Harvard University’s T.H. Chan School of Public Health.
It might be hard for most voters to isolate on the rising health care costs when the price of other daily necessities such as food, gas and utilities has skyrocketed in the past year. And when they do, it’s all about the effect on their bank accounts, Blendon said.
“They are not interested in long-term problems. They’re talking about high prices of doctor charges and pharmaceuticals,” he added. “Everything is very short term and that’s true about the health care cost issue. People are worried about paying their bills in an inflationary time.”
When Congress passed the Inflation Reduction Act in August (a slimmed down version of Biden’s Build Back Better proposal), the White House touted the victories on health care:
- As many as 7 million Medicare beneficiaries could see their prescription drug costs go down beginning in 2026 because of the provision allowing Medicare to negotiate prescription drug costs.
- Pharmacy costs for some of the 50 million Americans with Medicare Part D will be capped at $2,000 per year. That would directly benefit about 1.4 million beneficiaries each year who pay above that amount.
- Some 3.3 million Medicare beneficiaries with diabetes will benefit from a guarantee that their insulin costs are capped at $35 per month.
- Approximately 13 million Americans will continue to save an average of $800 per year on health insurance premiums through the extension of Affordable Care Act subsidies.
The administration estimates an additional 3 million more Americans will have health insurance.
All of that might not matter, said Jarrett Lewis, a pollster at Public Opinion Strategies.
It’s a lot harder to campaign on legislative victories such as the Inflation Reduction Act than obvious price differences at the grocery store and pump according to Lewis.
“It’s tough to sell legislative wins when there’s just so many other things going on right now,” said Lewis.
And relief from the IRA isn’t immediate: the insulin cap for Medicare patients won’t take effect until next year; the $2,000 cap on pharmacy costs doesn’t kick in until 2025, and Medicare won’t start negotiating lower drug costs until 2026.
Courtesy of Wendy Rzasa
Wendy Rzasa, 51 and an independent voter from West Lebanon, New Hampshire, isn’t buying what Democrats have to offer.
Rzasa is suffering from long COVID after being diagnosed in January 2021.
“It got my heart, it got my lungs, it got my brain, my whole body,” said Rzasa. “I can give my dog her medicine and forget that I gave it to her. Two minutes later I don’t have a memory. I can’t read for more than 15-20 minutes.”
She was a nurse but was let go because she can’t do direct patient care anymore. Now she pays monthly for COBRA costs to keep her health insurance from work. It costs her $874 a month – almost half of her $1874 disability check. And her COVID forces her to sleep with a CPAP machine that provides her oxygen, which only further raises her electricity bill costs.
Combined with rent costs, she can’t keep up. She’s going to food pantries now when she never had to before.
She attributes her health costs to overall inflation – and blames the Democrats.
Rzasa plans to vote for Republican Don Bolduc in New Hampshire’s competitive Senate race. Republicans have been eager to flip incumbent Democrat Sen. Maggie Hassan’s seat red on their road map to reclaiming the Senate majority.
“I vote either way. I voted Democrat before too,” Rzasa said. But after seeing two years of full Democratic control in Washington, she’s voting for Republicans to change things up. “The electric bill right now, it’s ridiculous.”
The battle over health care isn’t being waged only on Capitol Hill.
When Democrats passed the Affordable Care Act in 2010, states were promised millions in federal aid to expand Medicaid programs for lower-income Americans. Most states took the federal government up on its offer but 12 mostly Republican-led ones have yet to do so, leaving more than 2 million Americans without coverage. (The dozen includes Wisconsin, which hasn’t expanded Medicaid but has no coverage gap since its current Medicaid program already covers all legally present residents with incomes under the poverty level.)
One of those dozen is Alabama where Callie Greer said the “Medicaid gap” as it’s called, cost the life of her daughter, Venus. Her lack of insurance meant she couldn’t get a mammogram to detect the breast cancer she didn’t realize was spreading within her.
One day, though, while sitting in the emergency room on another one of her visits, a doctor walked by her and smelled something awful. Venus lifted her shirt to show the doctor her breast.
“It was literally rotting off,” Greer said, choking back tears. “They sent her to a cancer center in Montgomery. She had stage four cancer, did chemo and radiation. She went back for a six-month check-up, and the cancer had spread to other parts of her body.”
Venus died in Selma in February 2013 after one of two brain tumors burst in her head.
Nearly 10 years later, Alabama has yet to expand Medicaid. GOP Gov. Kay Ivey is a solid favorite to win re-election Nov. 8 in the deep red state and Republicans are expected to maintain their supermajorities in the state legislature,
Greer, who now lives in Montgomery, told USA TODAY she’s supporting neither Democrats nor Republicans but instead focusing on each candidate on an individual basis. And health care is front and center for her.
To me, [health care] is the fight because if you’re not healthy, how do you work and how do you take care of your children, do all the things you’re supposed to do. My daughter literally died because of this.
“To me, this is the fight because if you’re not healthy, how do you work and how do you take care of your children, do all the things you’re supposed to do,” said Greer. “My daughter literally died because of this.”
The number of states deciding to expand Medicaid might grow by one this fall.
In North Carolina, House and Senate Republicans this summer reversed longtime opposition to join Democratic colleagues in backing expansion. The House and Senate passed different versions of expansion in June but all 50 senate and 120 house seats in the state will be up for grabs on Nov. 8. The new legislature then will decide whether to send an expansion bill – and what that legislation will look like – to the governor for his signature
“North Carolina is a swing state, and this election matters because it’ll determine how Medicaid is going to look like in our state,” said Maya Nair, senior at the University of North Carolina at Chapel Hill and a Raleigh-Durham Fellow at women’s political advocacy organization IGNITE, which is advocating for expansion.
More than 1.6 million of the more than 2 million Americans in the coverage gap are in North Carolina, Florida, Texas and Georgia, the latter three which have gubernatorial elections this year.
Students on the cusp of losing Medicaid insurance on their parents’ plans when they turn 21 years old are particularly vulnerable, advocates say. And income from work-study programs or excess money from student loans transferred into their bank accounts to help with living expenses, for example, can affect Medicaid eligibility in states without expansion.
“A lot of millennials don’t understand until they’ve lost their insurance,” Nair said.
Even though North Carolina isn’t Alabama, Greer realizes every win is a step further. “I may get two victories and 25 losses, but I’ve still got two victories,” she said. “You’ve got to eat this elephant a bite at a time.”
Even having government health insurance is no guarantee of affordability.
Burt Scholl, who is 90 years old and lives in an assisted living facility in Lantana, Florida, found that out when he had cataract surgery recently.
The retired municipal worker who hails from New York describes his living situation as “fortunate,” especially when it comes to his Medicare coverage. But his plan barely fell short on the eye operation. He’s now facing a hospital charge of $7,500 that he’ll have to cover completely.
Courtesy of Burt Scholl
“I discovered to my distress that Medicare only covers a small fraction of the cost of cataract surgery and so I’m facing a whopping bill now,” he told USA TODAY.
It’s why health care is the biggest motivator behind Scholl’s vote in the midterm elections.
“I’m not happy about much of the politics here and that politics has unfortunately impacted the health care that is afforded to many people who are in need of it,” Scholl said, noting he is included in that group. “That distresses me a lot.”
Steven Horner, 71, considers himself “lucky” despite spending nearly $4,000 on out-of-pocket medical costs in 2021 because through his pension and Social Security payments he can afford supplemental insurance along with Medicare, which offset some of his medical costs.
“This isn’t just about me,” Horner, an Army veteran and retired public school teacher from Las Vegas said. “I have heard stories and witnessed stories of people who cannot afford their medication, who cannot afford their insurance, cannot afford the basic health care I believe should be universal.”
Traveling through his home state of Nevada as an advocate for other seniors facing health challenges, Horner witnessed more voters interested in the November elections than he has in a while. Yes, it’s about inflation and abortion rights, he said, but also about health care costs.
Horner, a lifelong Democrat, is more motivated himself this election cycle because he doesn’t think government is working fast enough to address the burden of rising health care costs.
As he considers who he’ll vote for in a few races, Horner knows he will be voting for Sen. Catherine Cortez Masto, D-NV, and Rep. Susie Lee, D-NV, – both rated as toss-up seats – in part due to their support of Biden’s legislation to cap pharmaceutical costs and extend the Affordable Care Act.
When it comes to health care, the GOP has given the opposition talking points over the past decade with their flat opposition to enactment of the Affordable Care Act, (also known as Obamacare) and their relentless – but unsuccessful – efforts to repeal it.
Earlier this year, Florida Sen. Rick Scott, head of the campaign arm of Senate Republicans, called for requiring all federal legislation be renewed every five years, including entitlement programs. Democrats accuse Republicans of wanting to “sunset” Social Security and Medicare. Scott has said he wants to “fix and “preserve” those programs, without providing details.
Then came the largely party-line vote in August to strip out of the Inflation Reduction Act a provision capping monthly insulin costs at $35 for private insurers. (The IRA does include a $35 cap on Medicare patients).
Republicans argue that insurers would have raised premiums to compensate for the loss of revenue from capping insulin. In addition, they argue the insulin cap is part of the “socialized medicine” agenda Democrats are pushing that will ultimately lead to higher costs for consumers overall.
“Today, it’s the government fixing the price on insulin. What’s next? Gas? food?” Washington State Rep. Cathy McMorris Rodgers, the top Republican on the Energy and Commerce Committee said on the House floor in March. “History tells us that price fixing doesn’t work. It shifts the problem someplace else so the powerful has the excuse for more subsidies, more spending and more control.”
Kristin Thompson-Lerberg, a diabetic in Holmen, Wisconsin, said she could use some relief.
“Things are a little bit scary,” said the 42-year-old high school English teacher. “Specifically with regard to insulin costs and diabetes care.”
At her home, she uses insulin, an insulin pump and a continuous glucose monitoring system which constantly reads her blood sugar levels. That all runs her about $500 a month.
Andy Manis, For USA TODAY
“Sometimes I don’t really know what my insurance pays for,” said Thompson-Lerberg.
She’s been paying attention to local state and national politics. In both, she saw Republicans block a $35 co-pay cap on insulin for private insurers, which was enough to convince her to vote for Democrats this year.
She’s voting for Democrat Mandela Barnes in Wisconsin’s Senate race against GOP incumbent Ron Johnson, a tight race that could determine which party controls the Senate next year. She’s a Democratic-leaning independent but says she’s seen enough on what Republicans have to offer when it comes to health care costs.
“For me, that’s pretty personal. They had an opportunity to curb the cost for diabetics and they chose not to,” she said.
GOP lawmakers, led by Republican House Leader Kevin McCarthy, R-Calif., have threatened to repeal the Inflation Reduction Act (IRA) if they win control of Congress in November – not so much for its health care provisions but for a provision restoring 87,000 agents, clerks and tax assistance positions to the IRS.
Still, the result of repeal would be the same: an elimination of health care benefits for millions of Americans.
“Health care is such a key issue, in the past, that senior voters have decided election outcomes based on threats to overhaul Medicare or to raise Medicare costs,” Mary Johnson, policy analyst at The Senior Citizens League and a senior herself, said. “Older voters will vote against candidates whom they perceive as threatening their pocketbooks.”
Health care is such a key issue, in the past, that senior voters have decided election outcomes based on threats to overhaul Medicare or to raise Medicare costs. Older voters will vote against candidates whom they perceive as threatening their pocketbooks.
Seniors are famously the most reliable voters. In the last midterm election in 2018, their group turned out the highest percentage of voters. Sixty-six percent of voters 60 and older cast ballots, followed by 45 to 59ers with 56% according to AARP. Bringing up the rear were those aged 18 to 29 with 33%.
These are all important issues to seniors but unfortunately, few people are paying attention, said Jenny Chumbley Hogue, an insurance broker near Dallas and an analyst at medicareresources.org, which helps seniors navigate the program.
“I think incumbents will need to show older voters what legislation they have supported will be worth to them,” Johnson said. “I think they need to show voters their records on how they protect beneficiaries from higher costs.”
Even so, skepticism runs deep. “Prescription caps will be helpful but I guess it just depends on how all this is being paid for,” said Gillian Forsyth who is more than 50 years old, a small business owner and a diabetic who relies on insulin. “It’s like a balloon. You squeeze one side and it just comes out the other. I am always pretty skeptical when it comes to anything political.”
For those who have been paying attention and have an opinion though, “we are reminding Congress that seniors are a huge part of their voting block!” Johnson wrote in a Facebook comment in September to her fellow seniors.
