ACA - Reduces The Percentage Of Uninsured

[The_Waco_Kid]

Originally Posted by CuteOldGuy

For the poor, high deductibles and co-pays are the same as having no insurance.

but .. but .. the liberal left cares about the poor! right??
sure they do. as long as they can sucker them into voting for their agenda. if Obama thought for a microsecond all those illegals wouldn't cozy up to the the socialist programs of the liberal left they'd deport them faster than Donald Trump!

[flghtr65]

Originally Posted by The_Waco_Kid

so more people are insured but unhappy with the coverage. only you would consider that a success. what you don't want to admit is that many people who already did have insurance could not keep the plans they had, or the doctors, as Obumbo promised.

We have gone over this a thousand times already.

1. The premiums in the individual market were higher than predicted because in some state the RISK POOLS were NOT balanced. The individual mandate was put in with the hope that the risk pools of policy holders would be balanced and keep premiums low. A good percentage of low risk people stayed out of the market.

2. The grandfather rules put into the ACA law to allow people in the individual market to keep their old policies. The Insurance companies didn't follow the rules and dropped the ball on this. The percentage insured increase from 82% to 90%. This would be higher if all states took the expanded Medicaid.

3. The Health Insurance companies decide which doctors are in their networks, not the Federal government.

4. Because of the ACA law 20 million more people are INSURED, either with a private plan or the expanded Medicaid (for the states that have it).

[gnadfly]

Originally Posted by timpage

But....but....but.....what about the predictions of a "disaster" by the usual whackadoos?

It is a small disaster for me. Despite what you've read my premiums and deductibles have gone up tremendously for me in the last 3 years. NOT 3-7% as advertised as report NOR a savings of $2500 as promised.

[IIFFOFRDB]

Health Premiums Have Climbed $4,865 Since Obama Promised to Cut Them $2,500

BY JOHN MERLINE
09/23/2015 05:35 PM ET

Employer-based health insurance premiums climbed 4.2% this year for family plans, according to an annual Kaiser Family Foundation report. That's up from 3% the year before.

Since 2008, average family premiums have climbed a total of $4,865.

The White House cheered the news, saying it was a sign of continued slow growth in premium costs.




That much is true. Since 2006, the average annual increase for family plans at work has been 4.9%, down from around 10% a year from 1999-2005.

Slightly less higher premiums aren't what President Obama promised Americans when he ran for office touting his medical overhaul. He specifically said his plan would cut premiums.

"We will start," Obama said back in 2008, "by reducing premiums by as much as $2,500 per family."

That $2,500 figure was Obama's mantra on health care. You can watch the video if you don't believe it.

And Obama wasn't talking about government subsidized insurance or expanding Medicaid or anything like that. He specifically focused on employer provided health care.

For "people who already have insurance, and the employers who are providing it," he said at one campaign event, "we will work to lower your premiums by up to $2,500 per family."

So was he talking about lowering the rate of increase? It sure didn't seem that way. On CNN he said, "We're going to reduce costs an average of $2,500."



Every time the subject came up, he promised to cut premiums, not slow the rate of increase.

If what he meant was "we're going to keep the rate of increase in premiums about where it's been for several years now," he was being purposefully misleading.

Of course, even if he did mean what he didn't say, Obama can't claim credit for the slowdown.

The truth is that the current trend started in 2006, long before Obama took office, and longer still before ObamaCare took effect.

And the continued trend of modest premium increases has been due largely to the shift in the employer market toward health savings account-type plans, which just happened to hit the market in 2005.

But that's a topic for another day.



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[flghtr65]

Originally Posted by IIFFOFRDB

Health Premiums Have Climbed $4,865 Since Obama Promised to Cut Them $2,500

Health insurance companies won't be able to lower premiums if a majority of the new policy holders are "already sick". This turned out to be the case in several states for several health insurance companies. In Texas BCBS lost $50 million on a silver plan it was selling on the government exchange. More low risk people are needed to sign up if premium prices are to come down.

[gnadfly]

Originally Posted by flghtr65

Health insurance companies won't be able to lower premiums if a majority of the new policy holders are "already sick".

Duh. Finally you decide to pick up the clue phone.

[bigwill832]

Here's something everyone is missing. And just to put it out there, I have my insurance license and work with this stuff:

The part of the mandate that was being pushed on the states was to use the Medicaid program to insure the uninsured. Not the standard insurance system. For those who are not aware, Medicaid is the STATE FUNDED system for providing health care to the indigent. It is not federally funded. The funds offered by the federal government were only to cover a certain period of time, in order to set up the expansion and get it running. After that time period, it would be up to each individual state to find the money to keep that expanded Medicaid program going. That, in turn, means either the state finding more ways to tax it's citizens or going to the federal government with it's hands out and then being in a position to do.....guess what.....guess.....receive the money with certain conditions and rules attached, that would in turn control the states Medicaid program.

Also, the taxes that support the ACA have not kicked in yet and are not scheduled to kick in until....guess what.....guess......the current President is on his way out of office. I'm also will to bet that many heads of the Democrat party will be suddenly "retiring" about that time as well.

Rates and premiums went up quite a bit since this started. I've seen and spoken with many people who are upset about it. All I can tell them is "that's how the program is set up". There is no other explanation. Yeah I can get into the details of it about more people with more conditions that require more treatments, coupled with no more limits to what can be paid out for services and treatments

But, it is what it is. We are stuck with it. It is a system that will bring in money to the government in the form of taxes. And I don't think we have ever seen the government eliminate something that brings in money for itself.

[flghtr65]

Originally Posted by gnadfly

Duh. Finally you decide to pick up the clue phone.

Huh? I have been saying for 6 months that the risk pools were out of balance in some states, IDIOT. Iffy has been posting different versions of the same thing, rising premiums. Iffy has started at least 10 threads on ACA premiums. How the underwriter for the health insurance company determines the policy premium is NOT ROCKET SCIENCE unless your eccie userid = IIFFOFRDB.

[flghtr65]

Originally Posted by bigwill832

Here's something everyone is missing. And just to put it out there, I have my insurance license and work with this stuff:

The part of the mandate that was being pushed on the states was to use the Medicaid program to insure the uninsured. Not the standard insurance system. For those who are not aware, Medicaid is the STATE FUNDED system for providing health care to the indigent. It is not federally funded. The funds offered by the federal government were only to cover a certain period of time, in order to set up the expansion and get it running. After that time period, it would be up to each individual state to find the money to keep that expanded Medicaid program going. That, in turn, means either the state finding more ways to tax it's citizens or going to the federal government with it's hands out and then being in a position to do.....guess what.....guess.....receive the money with certain conditions and rules attached, that would in turn control the states Medicaid program.

Also, the taxes that support the ACA have not kicked in yet and are not scheduled to kick in until....guess what.....guess......the current President is on his way out of office. I'm also will to bet that many heads of the Democrat party will be suddenly "retiring" about that time as well.

Rates and premiums went up quite a bit since this started. I've seen and spoken with many people who are upset about it. All I can tell them is "that's how the program is set up". There is no other explanation. Yeah I can get into the details of it about more people with more conditions that require more treatments, coupled with no more limits to what can be paid out for services and treatments

But, it is what it is. We are stuck with it. It is a system that will bring in money to the government in the form of taxes. And I don't think we have ever seen the government eliminate something that brings in money for itself.

There are a couple of problems with your post.

1. Expanded Medicaid is only encouraged for the people who fall in the category of family of 4 and their income is less than $24,000. It is not encouraged for anyone else.
You are correct about original Medicaid, to qualify it's a family of 4 and income is less than $16,000. You don't qualify for a Obamacare private plan if your income is less than $24,000 (family of 4). It just so happens that in the state of Kentucky 300,000 people did not qualify for a private plan and had to apply for Expanded Medicaid.

2. The individual mandate was put in with the hope of creating balanced risk pools in the individual market. High risk people (who had money) purchased insurance and submitted CLAIMS , a fair percentage of low risk people elected to not purchase health insurance (and pay the $94 first year fine). Thus in some states on some plans sold in the individual market, some health insurance companies lost money. Thus the underwriters raised the rates for the next year. This has been documented in several threads.

3. The taxes brought into the government went to pay for this expense, so that the ACA does not add to the deficit. The federal government is not making money off the taxes that you referred to. The ACA is a Trillion dollar expense over 10 years. These new taxes are paying for it.

4. The Expanded Medicaid is paid for by the Federal Government. The Federal Government is paying 100% of the cost of the Expanded Medicaid ( for the states that accepted it) for the first 3 years. After 5 years the Federal Government is paying 90% of the cost of the Expanded Medicaid. See the link below. How did you get that the states are responsible for paying for the Expanded Medicaid?

http://www.medicaid.gov/AffordableCa...-Care-Act.html

[gnadfly]

Originally Posted by flghtr65

Huh? I have been saying for 6 months that the risk pools were out of balance in some states.

WE'VE BEEN SAYING IT FOR THREE YEARS, DUMBASS! YOU WERE ADAMANT IT WASN'T GOING TO HAPPEN. JUST LIKE YOU WERE ADAMANT THAT PREMIUMS WERE GOING DOWN.

[flghtr65]

Originally Posted by gnadfly

WE'VE BEEN SAYING IT FOR THREE YEARS, DUMBASS! YOU WERE ADAMANT IT WASN'T GOING TO HAPPEN. JUST LIKE YOU WERE ADAMANT THAT PREMIUMS WERE GOING DOWN.

The government exchanges have only been in effect for 2 years you FUCKING MORON. How could you talk about risk pools 3 years ago? Go look at post #34, the AVERAGE premium cost of a family plan has gone up only 4.93% since 2006 instead of 10% from 1999 - 2005. If you could read a two dimensional graph you could see that DUMBASS. Your just a partisan clown who does know what their talking about.

[gnadfly]

Originally Posted by flghtr65

The government exchanges have only been in effect for 2 years you FUCKING MORON. How could you talk about risk pools 3 years ago? Go look at post #34, the AVERAGE premium cost of a family plan has gone up only 4.93% since 2006 instead of 10% from 1999 - 2005. If you could read a two dimensional graph you could see that DUMBASS. Your just a partisan clown who does know what their talking about.

Because it was PREDICTABLE Dumbass that only SICK PEOPLE WERE GOING JOIN UP and NOT ENOUGH YOUNG HEALTHY PEOPLE. Remember?

DUMBASS. Sorry, you are being lied to. I know how much my insurance has gone up over the last 30 years and it doesn't fit your facts. I'm not the only one either on the board whose insurance premiums and deducts have gone up more than what you've said.

Where's my $2500 savings Partisan Clown?

[IIFFOFRDB]

http://www.coyoteblog.com/coyote_blo...obamacare.html

Thanks Obamacare!

September 14, 2015, 3:22 pm

I just got the first year bill from my payroll company for the extra reporting we have to do each year vis a vis Obamacare: $7195.50 for 2015. Note that this adds absolutely no value -- this is not the cost of insurance or cost of any extra taxes sent to Uncle Sam. This is merely the cost to handle all the new paperwork required in the law.

I will repeat what I have said before -- the Republicans tend to focus narrowly on taxes and often tend to miss or downplay the regulatory issues, which I think actually loom larger in destroying economic growth.

[IIFFOFRDB]

0commiecare... LOL! but it's not funny!


Largest U.S. Co-Op Health Plan To Fold, Fourth To Close This Year
http://www.californiahealthline.org/...lose-this-year

[IIFFOFRDB]

fuckers...

http://theconservativetreehouse.com/...n/#more-107257

Rick says:
October 15, 2015 at 4:20 pm
This travesty known as Obamacare is just starting to rear its ugly head. Oblama knew all along that this was a deceptive lie and massive tax burden to place on LEGAL, Law-abiding American Citizens. Recall that he pushed back much of the original Law, (not to mention the changes he made along the way that were illegal actions.) to not go into effect until 2015 & 2016. These Tax Notices are the first run of what’s ahead. Folks, Oblama is abandoning the Good Ship Lollipop in 15 months. Captain Oblama will be well taken care of after he departs OUR HOUSE and eventually he will move his political agenda to become a Global figure within the United Nations. (basking in the Hawaiian sun) His political ideology and damage to the US will continue but just move to a different stage.

So, here we are left to deal with his mess. That’s millions of Americans who will be hit with IRS notices and grapple with the realization that the whole PONZI scheme of providing medical insurance for “14 million who were formally uninsured”, was really a BIG MONEY scheme & theft. The bill that “we have to pass to know what’s in it”, allows BIG GOV to lay claims and judgements (disguised as taxes) against OUR real property and financial holdings. Almost 100M folks are out of the workforce. How does OCare help the situation. If we can’t earn wages, how can we pay for medical insurance?

Now, Clinton & Sanders shout FREE healthcare for ILLEGAL ALIENS, while hard working, honest Americans are being mailed Balance Due notices to LEGAL citizens for not having and not paying for their own healthcare. SHARED RESPONSIBILITY my ass! Its simple wealth transfer disguised as EXTORTION!! Yes, this is the plight for those of us who may not be able to secure a policy or pay a premium because of financial impact. In such cases, I can’t imagine how furious the Electorate will become with “incoming” IRS harassment. How’s that Free phone and gas working for those who voted for Oblama doing now?

For those of us that do have medical coverage through a plan that is part of the OCare network, we too, are just starting to see some of the hidden lies that are now being discovered. Remember that crappy website of theirs, well its still a piece of sh#t! When my wife went to our service provider website to see if her doctor was in our plan, it said yes. GREAT, go to Doctor show Medical card and get tests done. 4 Weeks later, SURPRISE get bill saying “not covered because not in plan”. BEWARE! Just because your plan on the internet says you’re covered, and your Doc is listed and your Doc’s office accepts your card, you may find out that your test or service may still not be not covered & declined by your provider. Depending how good your state website is and what info is provided, their may be hidden disclosures in tiny print that may be 3 or 4 pages further into the site.
Just passing on a tip for those that may believe their Docs are covered by their plan services.
Most docs don’t have the time to handle this crap and the GOV has turned the paper process into a quagmire of Bullshit forms for their staff’s to handle.

FInally, I see that Trump may boycott the next debate. GOOD! CNBC still hasn’t provided the parameters for the debate to the candidates at this late stage, so he has a point. At this stage Trump is the ALPHA dog and he can start pushing! I would love to see him drop out of the debate and buy 30 minutes of Advertising on two major networks in Prime Time. Why share the stage with 0-5% losers when he could solely highlight a new CONTRACT FOR AMERICA that would briefly highlight his intentions in no specific order as follows:

1) Economy and Job creation
2) National security & Immigration
3) Personal & Corporate Tax reform
4) Ocare repeal & replacement
5) Trade re-negotiation and Contract/Treaty positions
6) VA situation

Trump doesn’t need deep detail on the above but just state clear positions. He can tell everyone that the NEW CONTRACT WITH AMERICA will be completed prior to Christmas and it could be put up on his website, announced on Christmas Eve with a cover that reads, “MERRY CHRISTMAS EVERYONE”. Yes, this should explode many heads and have us all smiling heading as we head into the New Year

Keep the rudder steady Vulgarians
TRUMP 2016