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Op-Ed: VISA Could Derail the Affordable Care Act

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25% of Texans are uninsured, making the Lone Star state the higest uninsured population in the Country.

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15.5% of households in the San Antonio area are unbanked, affecting residents’ ability to partake in the exchanges because they are unable to appropriately transfer funds to insurance companies.


Likewise, Governor Perry has refused to participate in the program, making it unlikely he would establish a state law mandating credit card-accessible healthcare exchanges in Texas.

Because of partisan politics, the crisis falls to federal regulators or business to solve.

If the government pursues a course of regulation, it will cost millions in court fees and yield a less productive solution that one achieved through business-led cooperation with the government agencies. Furthermore, business-led initiatives have the benefit of offering the potential for new job opportunities and economic growth.

In order to bring about a true, business-led solution to the healthcare-credit card crisis, two key stakeholders would need to be involved: The Electronic Transactions Association (ETA), the trade association for payment processors and America’s Health Insurance Plans (AHIP), the trade association to the ETA for health insurers.

With partisan politics and presidential ambitions gumming up the legislative process, these two trade groups should convene and develop a solution that allows health insurance plans to accept various forms of banked and unbanked payment for coverage that means profits for both sides.

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