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Healthcare Bill Part III; Obamacare
Topic Started: Mar 3 2014, 02:20 PM (48,644 Views)
kbp

Quote:
 
http://www.politico.com/story/2014/08/2014-elections-anti-obamacare-democrats-110237.html
Only 4 anti-Obamacare House Dems left for fall elections

Thirty-four House Democrats bucked their party to vote against Obamacare when it passed in 2010. Today, only four of those lawmakers are still in office and running for reelection this fall.

The dramatic downsize underscores not only how consequential the health care law vote was but how quickly moderate Democrats have been eliminated on Capitol Hill. Even those who opposed the law had trouble surviving the highly partisan atmosphere it helped to create.

With the divide only more pronounced in 2014, the final four are trying to avoid a similar fate. Obamacare remains a volatile issue, and all still tout their “no” vote. Yet their vulnerability also reflects a more daunting and long-lasting problem for lawmakers who would occupy the middle ground.

“I don’t think you can just look at the Affordable Care Act — you have to look at the broader picture,” said Democratic Rep. Collin Peterson of Minnesota. “You just don’t have many people like myself left. The moderates on the Republican side are gone, too.”
[...]
We are seeing a stronger divide, but I'm not sure what he means by "moderates on the Republican side" there. I'm not aware or do not recall any Republicans that voted for Obamacare.

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kbp

http://www.sfgate.com/news/article/State-reverses-abortion-decision-at-2-Catholic-5705008.php
State Reverses Abortion Decision At Two Catholic Colleges


It appears that in California that aborting the life of a baby is a "basic service" they decided is "medically necessary." I'm not sure how many degrees they had to go to determine such an ELECTIVE process was MEDICALLY NECESSARY. Justifying it that way must have something to do with the medical complications encountered if not provided the abortion. I know my homeowners policy will not cover costs I could have prevented with reasonable care!
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chatham
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kbp
Aug 22 2014, 09:02 AM
Quote:
 
http://www.politico.com/story/2014/08/2014-elections-anti-obamacare-democrats-110237.html
Only 4 anti-Obamacare House Dems left for fall elections

Thirty-four House Democrats bucked their party to vote against Obamacare when it passed in 2010. Today, only four of those lawmakers are still in office and running for reelection this fall.

The dramatic downsize underscores not only how consequential the health care law vote was but how quickly moderate Democrats have been eliminated on Capitol Hill. Even those who opposed the law had trouble surviving the highly partisan atmosphere it helped to create.

With the divide only more pronounced in 2014, the final four are trying to avoid a similar fate. Obamacare remains a volatile issue, and all still tout their “no” vote. Yet their vulnerability also reflects a more daunting and long-lasting problem for lawmakers who would occupy the middle ground.

“I don’t think you can just look at the Affordable Care Act — you have to look at the broader picture,” said Democratic Rep. Collin Peterson of Minnesota. “You just don’t have many people like myself left. The moderates on the Republican side are gone, too.”
[...]
We are seeing a stronger divide, but I'm not sure what he means by "moderates on the Republican side" there. I'm not aware or do not recall any Republicans that voted for Obamacare.

The first vote that passed the house.

The House had previously passed a similar, although not identical bill on November 7, 2009, on a 220 – 215 vote. One Republican voted “aye,” and 39 Democrats were against.

Bec ause Brown won in the Senate, The senate no longer had a supermajority. So negotiations between the house and senate did not happen. Instead the house took up and voted on the senate bill and it passed with no republican support.

It passed on March 21, 2010, by a 219 – 212 vote. This time, no Republicans came on board, and 34 Democrats voted against.
Edited by chatham, Aug 24 2014, 09:25 AM.
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kbp

Quote:
 
http://www.kaiserhealthnews.org/Stories/2014/August/25/obamacare-health-law-republican-politics-election.aspx

Obamacare Still 'Red Meat' For GOP Candidates But Focus Of Attacks Shift

JUPITER, Fla. – Beverly Hires, a former nurse running for Congress here in one of the nation’s rare competitive House races, ticks off her problems with the federal health care law: higher premiums, cancelled policies and employers cutting full-time jobs.

“The Affordable Care Act is not making insurance more affordable,” she said in an interview, citing many of the same criticisms as her five GOP opponents in the Aug. 26 primary, who are vying for the chance to oust first-term Democrat Rep. Patrick Murphy.

Hires’ messaging on Obamacare in this South Florida district targeted by the GOP tracks a pattern around the country as Republican candidates follow a focus-group tested script recommended by pollsters.

“The messages that work best are succinct, clear statements about the effects of Obamacare on consumers directly,” by increasing costs, taxes and taking away jobs, said Whit Ayres, president of North Star Opinion Research, a Republican polling group that’s surveyed likely voters to determine the best way to attack Obamacare.

Heading into the first congressional election since millions of Americans gained coverage under the health law, many Republican candidates are taking a more nuanced approach to how they criticize the law. Rather than just calling for repeal, they are following Ayres’ recommendations to focus on arguments about how the law is hurting consumers, government budgets or the economy.

And while political ads on television are still common, the number of new ads about the law has declined since spring when the administration rebounded from the troubled launch of healthcare.gov, said Elizabeth Wilner, senior vice president for Kantar Media Intelligence in New York, a nonpartisan group that tracks political advertising.

“Obamacare is no longer front and center in the way it was earlier this year and late last year,” she said. “It remains an issue, but it’s no longer the only one.”

She cited other frequently mentioned topics such as government spending and the economy.

[...]

...other frequently mentioned topics...
:think:

Now I get it! When they're not talking about "government budgets or the economy," they then focus on "government spending and the economy."

I suppose we need to consider the source of the report here!
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kbp

Quote:
 
http://bigstory.ap.org/article/obama-offers-new-accommodations-birth-control

New Obama birth control fixes for religious groups

...Effective immediately, the U.S. will start allowing faith-affiliated charities, colleges and hospitals to notify the government — rather than their insurers — that they object to birth control on religious grounds.

A previous accommodation offered by the Obama administration allowed those nonprofits to avoid paying for birth control by sending their insurers a document called Form 700, which transfers responsibility for paying for birth control from the employer to the insurer. But Roman Catholic bishops and other religious plaintiffs argued just submitting that form was like signing a permission slip to engage in evil.

In a related move, the administration announced plans to allow for-profit corporations like Hobby Lobby Inc. to start using Form 700. The Supreme Court ruled in June that the government can't force companies like Hobby Lobby to pay for birth control, sending the administration scrambling for a way to ensure their employees can still get birth control one way or another at no added cost.

The dual decisions mark the Obama administration's latest effort to address a long-running conflict that has pitted the White House against churches and other religious groups. The dispute has sparked dozens of legal challenges, fueling an election-year debate about whether religious liberty should trump a woman's access to health care options.

"Today's announcement reinforces our commitment to providing women with access to coverage for contraception, while respecting religious considerations raised by nonprofit organizations and closely held for-profit companies," said Health and Human Services Secretary Sylvia Burwell.....
This is just %#$@&*@ amazing!

They tell the employers involved to notify insurance companies they will not pay for BC and Barry says that works. SCOTUS disagree, so Barry goes to Plan C: companies tell the government they will not pay for BC. Both ways, the regulations still force the insurance company to supply Birth Control to policies paid for by the employers.

Barry's reasoning for how this backdoor move is supposed to solve the problem is for employers can then blame Barry for the religious violation!
.
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Baldo
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Millions Helped by ACA May Get Hit with Reduced Tax Refunds Unless They Act Soon

WASHINGTON – Taxes? Who wants to think about taxes around Labor Day?

But if you count on your tax refund and you're one of the millions getting tax credits to help pay health insurance premiums under President Barack Obama's law, it's not too early.

Here's why: If your income for 2014 is going to be higher than you estimated when you applied for health insurance, then complex connections between the health law and taxes can reduce or even eliminate your tax refund next year.

Maybe you're collecting more commissions in an improving economy. Or your spouse got a better job. It could trigger an unwelcome surprise.

The danger is that as your income grows, you don't qualify for as much of a tax credit. Any difference will come out of your tax refund, unless you have promptly reported the changes.

Nearly 7 million households have gotten health insurance tax credits, and major tax preparation companies say most of those consumers appear to be unaware of the risk.

"More than a third of tax credit recipients will owe some money back, and (that) can lead to some pretty hefty repayment liabilities," said George Brandes, vice president for health care programs at Jackson Hewitt Tax Service...snipped

http://www.foxbusiness.com/markets/2014/08/25/millions-helped-by-obama-health-law-may-get-hit-with-reduced-tax-refunds-unless/
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kbp

Quote:
 
http://www.pwc.com/us/en/health-industries/health-research-institute/aca-state-exchanges.jhtml
A preliminary look at 2015 individual market rate filings

...The average rate increase across states reporting data is 8.0%, and the average 2015 monthly premium across all metal tiers (without subsidies) is around $384. While these rates are not specific to the exchanges, in many states the individual and exchange markets are essentially the same.

Though the average rate increase hovers in the single-digit range, actual increases vary widely from -23% in Arizona and Colorado to 50% in Arkansas. Regulators in most states haven't yet reviewed these proposed rate increases, as they do those variations will likely shrink....


A mapping of state increases shows both Kansas and NC with rate hikes >15%
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kbp

Baldo
Aug 25 2014, 09:10 AM
Millions Helped by ACA May Get Hit with Reduced Tax Refunds Unless They Act Soon
That hits the hardest in low income tax returns, as they count on getting money to spend. This may be a huge factor, but it will not show up until 2016. Remember that the Obamacare enrollment period ends about the same time tax refunds are going out, so those dropping coverage will not hit the new enrollment head count we'll hear about.

We've yet to have heard any REAL numbers for the no-pays and dropouts counted in "8 million" they bragged about. We know there were double-counts and non-eligible applicants, but nobody seems to be able to come up with a final head count of the paying customers.
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kbp

More details on that tax issue...

http://finance.yahoo.com/news/tax-refunds-may-hit-due-115900935.html

Tax refunds may get hit due to health law credits
Millions helped by Obama health law may get hit with reduced tax refunds unless they act soon

["...unless they act soon"??? The dollars all add the same whether they act soon or late. The lower income returns would simplay all get less back if their income went up]

WASHINGTON (AP) -- Taxes? Who wants to think about taxes around Labor Day?

But if you count on your tax refund and you're one of the millions getting tax credits to help pay health insurance premiums under President Barack Obama's law, it's not too early.

Here's why: If your income for 2014 is going to be higher than you estimated when you applied for health insurance, then complex connections between the health law and taxes can reduce or even eliminate your tax refund next year.

Maybe you're collecting more commissions in an improving economy. Or your spouse got a better job. It could trigger an unwelcome surprise.

The danger is that as your income grows, you don't qualify for as much of a tax credit. Any difference will come out of your tax refund, unless you have promptly reported the changes.

Nearly 7 million households have gotten health insurance tax credits, and major tax preparation companies say most of those consumers appear to be unaware of the risk.

"More than a third of tax credit recipients will owe some money back, and (that) can lead to some pretty hefty repayment liabilities," said George Brandes, vice president for health care programs at Jackson Hewitt Tax Service.

Two basic statistics bracket the potential exposure:

The average tax credit for subsidized coverage on the new health insurance exchanges is $264 a month, or $3,168 for a full 12 months.

The average tax refund is about $2,690.

Having to pay back even as little as 10 percent of your tax credit can reduce your refund by several hundred dollars.

Tax giant H&R Block says consumers whose incomes grew as the year went on should act now and contact HealthCare.gov or their state insurance exchange to update their accounts.

They will pay higher health insurance premiums for the rest of this year, but they can avoid financial pain come spring.

"As time goes on, the ability to make adjustments diminishes," warned Mark Ciaramitaro, H&R Block's vice president of health care services. "Clients count on that refund as their biggest financial transaction of the year. When that refund goes down, it really has reverberations."

The Obama administration says it's constantly urging newly insured consumers to report changes that could affect their coverage.

But those messages don't drive home the point about tax refunds.

"What probably isn't clear is that there may be consequences at tax time," said Ciaramitaro.

Aaron Albright, a spokesman for the Health and Human Services department, said the administration plans to "ramp up" its efforts.

Concern about the complex connection between the health care law and taxes has increased recently, after the Internal Revenue Service released drafts of new forms to administer health insurance tax credits next filing season.

The forms set up a final accounting that ensures each household is getting the correct tax credit that the law provides. Various factors are involved, including income, family size, where you live and the premiums for a "benchmark" plan in your community.

Even experts find the forms highly complicated, requiring month-by-month computations for some taxpayers.

Taxpayers accustomed to filing a simplified 1040EZ will not be able to do so if they received health insurance tax credits this year.

Some highlights:

—You may have heard that the IRS cannot use liens and levies to collect the law's penalty on people who remain uninsured. But there is no limitation on collection efforts in cases where consumers got too big a tax credit. If your refund isn't large enough to cover the repayment, you will have to write the IRS a check. "They are not messing around," Brandes said.

—Health insurance is expensive, and with that in mind, the repayment amount the IRS can collect is capped for most people. For individuals making less than $22,980 the IRS can only collect up to $300 in repayments. That rises to $750 for individuals making between $22,980 and $34,470. For individuals making between $34,470 and $45,960, the cap is $1,250.

For families, the cap is double the amount that individuals can be charged, but the income thresholds vary according to household size. An IRS table may help simplify computation, which is based on the federal poverty levels for 2013.

—There is no collection cap for households making more than four times the federal poverty level. They face the greatest financial risk from repayments, because they would be liable for the entire amount of the tax credit they received.

Those income thresholds are $45,960 and above for an individual, $78,120 and above for a family of three, and $94,200 for a family of four. Ciaramitaro says people facing that predicament should try to minimize their taxable income through legal means, such as putting money into an IRA. The IRS says it will work with taxpayers who can't pay in full so they understand their options.

—If you overestimated your income and got too small a tax credit for health care, the IRS will increase your refund.

Funneling health insurance subsidies through the income-tax system was once seen as a political plus for Obama and congressional Democrats. It allowed the White House to claim that the Affordable Care Act is "the largest tax cut for health care in American history."

But it also made an already complicated tax system more difficult for many consumers.
Edited by kbp, Aug 25 2014, 09:36 AM.
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Baldo
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Obamacare Now Pays for Gender Reassignment

The nation’s health law opens the door for transgender people to gain coverage for gender reassignment surgeries they previously could not afford.

By Anna Gorman, Kaiser Health News

Devin Payne had gone years without health insurance—having little need and not much money to pay for it.

Then Payne, who had a wife and four children, realized she could no longer live as a man.

In her early 40s, she changed her name, began wearing long skirts and grew out her sandy blond hair. And she started taking female hormones, which caused her breasts to develop and the muscle mass on her 6-foot one-inch frame to shrink.

The next step was gender reassignment surgery. For that, Payne, who is now 44, said she needed health coverage. “It is not a simple, easy, magical surgery,” said Payne, a photographer who lives in Palm Springs. “Trying to do this without insurance is a big risk. Things can go wrong … not having the money to pay for it would be awful.”

Payne learned in the fall that she might qualify for subsidies through the state’s new insurance marketplace, Covered California, because her income fell under the limit of $46,000 a year. She eagerly signed up in March for a Blue Shield plan for about $230 a month, and began making preparations for the surgery that would change her life....snipped

http://www.thedailybeast.com/articles/2014/08/25/obamacare-now-pays-for-gender-reassignment.html


Obama-care doesn't pay for gender surgery, You & I do.
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kbp

A decent article on the Halbig case...
Quote:
 
http://www.latimes.com/nation/la-na-health-law-flaw-20140825-story.html

Could a wording 'glitch' doom Obama's healthcare law?
By David G. Savage

When a federal appeals court ruled last month that a seemingly arcane wording flaw in the Affordable Care Act should invalidate a central part of the law, many of those who drafted the statute five years ago reacted with shock and anger..

In 2009, they had spent months piecing together a compromise that sought to create a national system of subsidized insurance — but one run by the states. Now, they fear their work could be undone by what some call a "drafting error" and others portray as a political miscalculation.

The judges from the U.S. Court of Appeals for the District of Columbia Circuit based their ruling on language saying that subsidies would be offered for health policies bought through an "exchange established by the state."

That wording meant only marketplaces established by 14 states, including California, would qualify, the three-judge panel ruled; 5 million people in 36 states where consumers used the federal government's exchange should not get subsidies. (Another federal appeals court panel, in Virginia, took the opposite view in a ruling issued the same day. Until the litigation is over, subsidies are continuing in all states.)

The ruling seems likely to propel Obamacare once more before the Supreme Court, where opponents came within a single vote of overturning the law in 2012.

That prospect has sparked an intense debate over how the disputed language ended up in the law.

The story begins in 2009, when Democrats held a solid majority in both houses of Congress. In the House, most Democrats favored having one nationwide federal insurance exchange. They predicted — correctly, as it turned out — that many Republican-controlled states would balk at extending insurance to low- and middle-income residents.

But in the Senate, some Democrats worried over the specter of a "federal takeover." They insisted that states have a prime role.

To complicate matters further, two Senate committees adopted health bills. The more conservative Finance Committee relied entirely on states to set up exchanges; its bill said low-income buyers would receive a federal subsidy for insurance obtained "through an exchange established by the state."
The proper description would be the less liberal Finance Committee, as the "Democrats held a solid majority" in the Senate.

The more liberal Health Committee included a "federal fallback" in case some states refused to cooperate. Its bill said the federal government "shall establish and operate a Gateway" for insurance in any uncooperative states, and their low-income residents "shall be eligible" for subsidies.
The "fallback" plans involved were not as simple as they may want you to believe, which showed their intent.

When the two bills were merged at the end of 2009, the "shall be eligible" promise for all low-income residents was dropped. Left intact was the Finance Committee provision that said subsidies would be provided for insurance purchased through an "exchange established by the state." The Senate approved the bill on Dec. 24, 2009.

Two surprises followed. In January 2010, Republican Scott Brown won the Massachusetts Senate seat long held by the late Sen. Edward M. Kennedy, depriving Democrats of the 60 votes needed to end filibusters. Because the Senate faced a stalemate, House Democrats agreed to adopt the Senate's bill as written, without further tinkering.

Then, once the bill became law, more than half the states signaled they would not operate insurance exchanges, leaving the task for Washington.

Conservative opponents of the law soon spotted a potential weakness. In September 2011, the Cato Institute's Michael Cannon said the "Obamacare glitch" could block insurance subsidies in all the states that relied on a federal exchange.

Lawsuits soon followed.

Congressional staff members who worked on the law insist that everyone intended to provide subsidies nationwide. They didn't focus on the now-crucial phrase, they said. And they admit they did not foresee a rebellion among conservative states.

"This was an issue no one thought of. We were focused on hundreds of other issues — abortion, illegal immigrants, the size of the subsidies. Yes, you can look back now and say, 'That was stupid. Why didn't we catch it?'" said Harvard University health policy professor John McDonough. "That's why every major law has a technical corrections bill afterward."

Many former Senate aides say other parts of the law make clear the federal exchange is the stand-in for a state exchange and that, as a result, subsidies should be allowed. That's the position taken by the Obama administration and upheld by the U.S. 4th Circuit Court of Appeals, based in Virginia.

One provision that administration lawyers point to says if a state refuses to create an exchange, the health secretary shall "operate such exchange within the state" and "take such actions as are necessary to implement" the law.

Still others point out that no one advised states that failing to establish an exchange could deprive their citizens of subsidies.

"I would hope the courts take a look at the intent and the overall structure of the law, because the intent was very clear," said David Bowen, former health policy advisor for Kennedy.

Some are troubled that a legal claim, once seen as a long shot, has gained such traction. Topher Spiro, a former Senate health policy staffer now at the Center for American Progress, said he viewed the lawsuits as "silly, not to be taken seriously."

"Other than a few right-wing activists, no one thought this was a legitimate challenge," he said.

All the backward looks at the law's intent may not determine the outcome, however. The Supreme Court is likely to have the final word, and its conservatives, led by Justice Antonin Scalia, frequently say they decide cases based on what a law says, not what Congress may have intended.

The argument of the WH legal rep's has basically been that the law is ambiguous and the IRS can interpret what Congress wanted.

First they need "ambiguous. Getting past the OBVIOUS TEXT of how subsidies go thru only an exchange established by the State has had the WH pointing to parts of the ENTIRE law claiming they display there is confusion that lost the Congressional intent, those parts must mean Congress intended for ALL low income citizens to be eligible.

They ignore how Congress dropped parts and did NOT drop other parts of the HELP and Finance bills when constructing Obamacare law, so we're left with the WH crew trying to convince us that parts & pieces come together to show intent must have been there.

I'm left trying to figure out how we can believe they wrote this enormous law that clearly stated subsidies come from State exchanges and only planted those vague 'parts & pieces' as evidence of what their grand intent was.

To believe that, one has to see that their intention then was really to hide a backdoor plan to manipulate the law after it had passed. If the intent they claim was there, they covered it up so we would not see it ...or their argument should be that they accidently wrote "through an exchange established by the state" numerous times.

ADD: If the intent of Congress was for the backup plan of federal exchanges to provide tax credit subsidies in States that did not cooperate freely, and that intent was acceptable when the bill was passed, why didn't they just make the primary exchange all federal with the secondary option of a State establishing an exchange if they so chose to do such?
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Edited by kbp, Aug 26 2014, 10:47 AM.
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kbp

http://capsules.kaiserhealthnews.org/index.php/2014/08/report-health-law-ups-taxes-on-insurers-with-big-pay-packages/
Report: Health Law Ups Taxes On Insurers With Big Pay Packages


Figuring this one out is too much for my little brain. I will say higher taxes for any select group attaches a disincentive.
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LTC8K6
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Assistant to The Devil Himself
I am so happy that I have had nothing to do with Healthcare.gov...
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kbp

Quote:
 
http://www.nytimes.com/2014/08/27/business/nonprofit-hospitals-2013-revenue-lowest-since-recession-report-says.html

Nonprofit Hospitals’ 2013 Revenue Lowest Since Recession, Report Says

Nonprofit hospitals last year had their worst financial performance since the Great Recession, according to a report released on Wednesday.

[...]

Demand for hospital services also seemed to be declining, according to the report. Increasingly, patients were being treated outside of a hospital. In addition to declining admissions, the growth in outpatient services provided by hospitals also slowed as competition from places like retail clinics increased.

Patients increasingly paid a higher share of their medical bills, through higher deductibles and co-payments, causing some to forgo care altogether. The Moody’s analysts said they expected this trend to continue as more employers shifted a greater percentage of medical costs to their employees. Hospitals also saw high levels of bad debt from people who could not or would not pay what they owe.

[...]

The nonprofit hospitals’ results were in sharp contrast to some for-profit hospital chains, like LifePoint Hospitals and HCA Holdings. These companies have recently reported higher quarterly earnings, some of which they attributed to the influx of patients from the Affordable Care Act, especially in states where there was an expansion of the Medicaid program. Those earnings included results from the first six months of the Affordable Care Act.

“The ownership models do create differences,” said Lisa Goldstein, an associate managing director at Moody’s, who said the for-profit companies were by their nature focused on delivering higher earnings to their shareholders.

In July, LifePoint, a chain based in Brentwood, Tenn., reported a 17 percent increase in revenue, compared with the same quarter in 2013. In states that expanded Medicaid coverage, LifePoint reported seeing fewer people without insurance. Its quarterly earnings increased by 44 percent.

[...]
A large percentage of the nonprofit hospitals are locally owned, local control is disappearing.

The added regulations redistributing costs for what policies must include (sex change, abortion pills...) are coming directly out of the pockets the people in the form of deductibles and co-pays.

It's a mixed report with some big company winners and lots of losers. What they do not report is any increased REVENUE - that attributed to Exchange subsidies and Medicaid Expansion - are paid for by the taxpayers to the tune of $2 trillion over the next decade.
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kbp

http://online.wsj.com/articles/nonprofit-hospitals-earnings-fall-as-costs-outrun-revenue-1409112494

Nonprofit Hospitals' Earnings Fall as Costs Outrun Revenue
Revenue Growth at All-Time Low as Public-Traded Rivals Post Gains


[...]

About 79% of U.S. community hospital facilities are operated by nonprofits, according to trade group American Hospital Association.
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