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Healthcare Bill Part III; Obamacare
Topic Started: Mar 3 2014, 02:20 PM (48,636 Views)
kbp

Quote:
 
http://www.breitbart.com/Big-Government/2014/10/08/Gallup-Number-of-Democrats-Who-Say-Obamacare-Hurt-Them-More-than-Doubles

Gallup: Number of Democrats Who Say Obamacare Hurt Them More Than Doubles

A Gallup poll released Wednesday finds that the number of Democrats who say Obamacare has hurt them more than doubled in the last five months.

In May, just 6% of Democrats said Obamacare hurt them. Now, 15% of Democrats polled said Obamacare hurt them.

Equally troubling for Democrats, the poll found that only 27% of Democrats say Obamacare has helped them, a slight 4% increase since May. Overall, more than one in five Democrats (21%) said in the long run Obamacare will "make things worse."

Nationally, Americans remain sour on Obamacare. When Gallup asked, "In the long run, how do you think the healthcare law will affect the healthcare situation in the U.S.?" 46% of Americans said Obamacare would "make things worse" versus 36% who said it would "make things better."

Gallup concluded: "Americans' views toward the law overall and its effect on the U.S. healthcare situation in the long run continue to be more negative than positive."
Should Obamacare continue as it is, absent any court rulings changing the operations much before 2016, 2015 may be the year more that 50% think it has made things worse. The number that will have enrolled at the exchange will probably be less than double of what it is now, which is the CBO forecast. The rates will climb as the 3-R's expires. The head count of the UNinsured will be steady because as many that gain insurance at the exchange will be countered by the number losing insurance. The vast majority that fit in both of those two groups are Democrats, so they'll be upset. Also, by that time we will have seen 2 years of Obamacare, so a larger number of the less fortunate incomes in the exchange will get to experience paying deductibles. As for those outside of Obamacare, their deductibles and percentage of premium coming out of their checks will continue to grow and they'll be wishing they could drop types of coverage's they do not need but Obamacare regulations mandate.
I'm not seeing how the number for those that favor Obamacare can be growing, just the opposite.

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Mason
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Parts unknown
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Walmart Employees Premiums are going up approx 20%!

20%!

I can tell you having watched two Senate Debates - the DEMS still believe in the pipe dream. Bring people under the umbrella, and eventually do away with Employer coverage altogether. Obviously, the Senate will be under a separate plan, and the quality of care is being overlooked entirely for the Control and Power.

Company, Private, Corporate, Business - are all Dirty, Dirty Words.

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kbp

Quote:
 
http://www.foxnews.com/politics/2014/10/09/more-than-dozen-states-plan-to-cancel-health-care-policies-not-in-compliance/

More than a dozen states plan to cancel health care policies not in compliance with ObamaCare

More than a dozen states plan to cancel health care policies not in compliance with ObamaCare in the coming weeks, affecting thousands of people just before the midterm elections.

"It looks like several hundred thousand people across the country will receive notices in the coming days and weeks," said Jim Capretta of the Ethics and Public Policy Center.

The policies are being canceled because states that initially granted a reprieve at the request of President Obama are no longer willing to do so.

In coming weeks, 13 states and the District of Columbia plan to cancel such policies, which generally fall out of compliance with the Affordable Care Act because they don’t offer the level of coverage the law requires.

Virginia will be hardest hit, with 250,000 policies expected to be canceled.

And because federal law requires a 60-day notice of any plan changes, voters will be notified no later than November 1, right before the Nov. 4 midterms.

Many of those forced out of their current plans and into ObamaCare may not be able to keep their doctors. They also could face higher deductibles and out-of-pocket expenses, making ObamaCare an election issue on the eve of voting.

Obama had originally unequivocally promised that under his health care plan, everyone could keep their doctors and plans.
[...]

Hagan made the same statements numerous times, repeating Barry's exact words.
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kbp

borrowed from Mason in another thread...
 
http://www.americanlegislator.org/aca-to-shrink-labor-market-more-than-previously-thought/

Study: ACA to shrink labor market more than previously thought

In a new working paper from the Mercatus Center, University of Chicago economist Casey Mulligan projects that the Affordable Care Act will reduce weekly employment per person by 3 percent, or roughly 4 million full-time-equivalent workers. These new estimates are significantly higher than the 2.5 million reduction in labor supply estimated by the Congressional Budget Office earlier this year.

To be clear, a reduction in labor supply differs from a reduction in labor demand—a distinction many failed to recognize when the CBO first released estimates. It is not the case that the ACA will necessarily forces employees out; rather, the ACA’s disincentives to work will cause some employees to voluntarily reduce hours, and in aggregate, will reduce employment by 4 million full-time-equivalent workers. As Mulligan puts it:

  • Before the ACA, people found health insurance to be less expensive when employed than it was when not working, and health insurance expenses were one reason why unemployed people have been eager to get back to working in a position with coverage. But the ACA reverses the calculus by giving people who do not work more opportunities for subsidized coverage than employed people will have.
As has been noted previously, proponents of the ACA have defended similar findings from the CBO by arguing that more Americans would be able to pursue their dreams. Mulligan, whose work the CBO relied on, dismissed such claims—“I don’t know what their intentions are, but it looks like they’re trying to leverage the lack of economic education in the audience by making these sort of points.” CBO Director Douglas Elmendorf has acknowledged in testimony that the ACA’s disincentives to work are harmful to economic growth and will reduce GDP.

A summary of key findings from Mulligan’s latest paper can be found below

  • The ACA’s employment taxes create strong incentives to work less. The health subsidies’ structure will put millions in a position in which working part time (29 hours or fewer, as defined by the ACA) will yield more disposable income than working their normal full-time schedule.
  • The reduction in weekly employment due to these ACA disincentives is estimated to be about 3 percent, or about 4 million fewer full-time-equivalent workers. This is the aggregate result of the law’s employment disincentives, and is nearly double the impact most recently estimated by the Congressional Budget Office.
  • Nearly half of American workers will be affected by at least one of the ACA’s employment taxes—and this does not account for the indirect effect on others as the labor market adjusts.
  • The ACA will push more women than men into part-time work. Because a greater percentage of women work just above 30 hours per week, it is women who will be more likely to drop to part-time work as defined by the ACA
To read the full report, visit http://mercatus.org/sites/default/files/Mulligan-ACA-Part-TimeWork.pdf
The economic status Barry feeds with increased entitlements creates answers for those that struggle, as it is now easier and often more financially rewarding to give up and enroll in the FREE MONEY programs redistributing the wealth. It reduces the incentive of rewards for success in self-reliance. If you're struggling to get by and it seems like an endless battle, why fight it?
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kbp

http://www.washingtonpost.com/blogs/wonkblog/wp/2014/10/09/five-things-we-need-to-know-before-obamacare-enrollment-starts-again/

Five things we need to know before Obamacare enrollment starts again

The Obama administration seems pretty confident that HealthCare.gov can avoid punch-line status again when Obamacare enrollment reopens next month. Administration officials this week showed off improvements to the enrollment Web site that are supposed to be much more consumer-friendly — things like new smartphone capabilities, a shorter application process and the ability to actually use the "back" button while filling out the online application. As new Health and Human Services Secretary Sylvia Mathews Burwell talked with reporters Thursday about plans and expectations for Obamacare's second year, there are still some big question marks about the landscape for the health-care law when enrollment opens again Nov. 15.

How many will enroll this time?

It's about a month before open enrollment, but Burwell said the administration still hasn't set a sign-up goal for 2015. The Congressional Budget Office thinks 13 million will sign up through the marketplaces in 2015, but Burwell said the department is still analyzing how the first year of enrollment is playing out before it lays down a marker for 2015. It's a complicated exercise, she said, because the administration also needs to figure out how many of the 7.3 million current enrollees (by the most current count) will stick around for the second year. Some state-run marketplaces have set their own goals, though. California, which topped all states with 1.2 million enrollees in 2014, wants to sign up 1.7 million next year. [We have a program that will cost $2 trillion over the next decade, adding another trillion or more in obstacles to our economy, and she wants to ignore the numbers used to determine how this program would work? Besides the CYA here, Burwell evidently has no idea how many will find out that the deductibles are not covered by the FREE MONEY helping to pay their premiums, which will probably be an issue in the future ...a Constitutional right to have deductibles covered through redistribution!]

How's HealthCare.gov testing going?

Burwell said the enrollment Web site is being tested every day, with daily deadlines. We just won't know how that turns out until, apparently, until the site reopens in November. As the Wall Street Journal reported this week, insurers involved in the testing have been banned from saying anything about it. A department official said the confidentiality rules are new this year because insurers had requested a longer testing period that is taking place before their plans are finalized. "This testing requires protection of security and market-sensitive information," the HHS official said. This will presumably keep testing results secret until after the midterm elections, which health insurance consultant Bob Laszewski thinks isn't just a coincidence.

How is the competition shaping up?

HHS reported two weeks ago that the number of insurers planning to sell on the marketplaces this year increased by 25 percent. More competition, in theory, should help keep down premiums, but it also matters how that competition shakes out at a very local level — and that's what HHS hasn't been able to say yet. Competition matters in a state like Georgia, for example, where a 21-year-old this year could face a $200 difference in average premiums for the same type of marketplace plan depending on where that person lived in the state. Of the five insurers who participated in Georgia's marketplace last year, just one sold statewide, so some high-cost parts of the state had far fewer plan choices. But four more insurers told the state they'll sell 2015 marketplace plans, including three that will sell statewide, so that suggests Georgians will benefit from more competition. The national picture, though, isn't as clear. [I'm amazed at the limited number of companies that have jumped in where they can't lose money until 2016 coverage starts. It is profitable no matter what happens.

What do 2015 rates look like?

Final rates for all 2015 health plans, HHS says, won't be available until about a week before open enrollment starts Nov. 15 — which, again, will be after the midterm elections. The overall picture for 2015 rates appears to be good, compared to some of the dire predictions made earlier this year. Rates are projected to rise on average just 6 percent, according to PwC's Health Research Institute, which analyzed final and proposed rates in 38 states. But actual premiums will differ greatly across the country, even within a state.

What doctors can people see?

There's been some frustration this year about limited choice of doctors or difficulty determining what doctors are available in each plan. That might not get easier this coming year. That information still won't be available on HealthCare.gov in 2015, but insurers are supposed to provide that information on their Web sites. So, that means people are still going to have to do their homework if they want to keep their doctor. That's especially important as the administration will encourage current enrollees to shop around to get the best deal for them, as opposed to automatically enrolling in the same health plan. Getting accurate provider information can still be tricky though, since doctors can drop in and out of a plan's network during the course of a year. "It's an issue for the entire system," Burwell said. "It isn't simply a marketplace issue."


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kbp


Obamacare headlines!


http://capsules.kaiserhealthnews.org/index.php/2014/10/federal-officials-unveil-streamlined-marketplace-website/

http://www.nytimes.com/2014/10/09/us/easier-time-in-health-marketplace-is-promised.html

http://www.latimes.com/nation/la-na-obamacare-website-20141008-story.html

http://www.washingtonpost.com/national/health-science/health-officials-healthcaregov-enrollment-will-be-faster-and-smoother/2014/10/08/7e76bdaa-4f13-11e4-aa5e-7153e466a02d_story.html

http://online.wsj.com/articles/healthcare-gov-shortens-insurance-application-1412796477

http://www.usatoday.com/story/news/nation/2014/10/08/obamacare-exchanges-open-enrollment/16887647/

That's the amazing news of the wonderful updates being tested in SECRET until after the election ...never mind that most of the program still does NOT work, you know the important part that takes care of managing your tax dollars.
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LTC8K6
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Assistant to The Devil Himself
http://www.powerlineblog.com/archives/2014/10/obamacare-premiums-rise-steeply-in-louisiana-and-iowa.php

Obamacare premiums rise steeply in Louisiana and Iowa
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kbp

LTC8K6
Oct 10 2014, 12:13 PM
Quote:
 
State regulators approved significant premium hikes on the Louisiana and Iowa Obamacare exchanges this week. Sarah Hurtubise of the Daily Caller reports that premiums will rise by double-digits in both states. This is bad news, I assume, for Mary Landrieu and Bruce Braley, the struggling Democratic Senate candidates in the two states.

In Louisiana, Blue Cross Blue Shield of Louisiana, the exchange’s largest insurer, is hiking prices between 18.3 percent and 19.7 percent for three different plans that cover more than 52,000 people. Humana will increase its exchange premium rates by 9.9 percent and Vantage Health Plan by 15.9 percent.

In Iowa, CoOportunity the biggest insurer on the exchange, raised its premium by 19 percent on average. The other major exchange insurer will increase rates by 8.7 percent.

In Colorado, which also has a hotly contested Senate race, the news is better for Democrats. It recently announced that exchange premiums will rise by only 1.18 percent. However, several Colorado towns already had the highest premiums in the nation during the first open enrollment period and they will not be adjusted.
Not all states release their rate increases at the same time, so the national average increase is still a guessing game at this point.
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kbp

http://www.washingtontimes.com/news/2014/oct/9/delay-zeke-emanuel-reveals-the-progressives-death-/print/

Zeke Emanuel reveals the progressives’ death wish
By Tom DeLay - - Thursday, October 9, 2014

“Here is a simple truth that many of us seem to resist: Living too long is also a loss. It renders many of us, if not disabled, then faltering and declining, a state that may not be worse than death but is nonetheless deprived. It robs us of our creativity and ability to contribute to work, society, the world. It transforms how people experience us, relate to us, and, most important, remember us. We are no longer remembered as vibrant and engaged but as feeble, ineffectual, even pathetic.”
— “Why I Hope to Die at 75,” Ezekiel J. Emanuel, The Atlantic Monthly.


Zeke Emanuel is not a kook. He’s not an outlier. And conservatives underestimate the power of his influence at their peril.

Mr. Emanuel is not only not a kook, he’s extraordinarily well-credentialed and well-connected. He directs the Clinical Bioethics Department at the U.S. National Institutes of Health and heads the Department of Medical Ethics and Health Policy at the University of Pennsylvania. He is the brother of Chicago Mayor (and former Obama White House chief of staff) Rahm Emanuel. He was a key architect of and is now the pre-eminent academic defender of Obamacare.

So when he writes a provocative, 5,000-plus-word polemic on why he — and by extension the rest of us — should hope to die at 75 in order to ease the burden on family, friends and society, it can’t be written off as the ravings of a rogue intellectual. I’d even argue Mr. Emanuel has done us all a favor, making explicit the agenda that runs behind Obamacare and so many of the pet causes of the Left for a century or more. The goal is to make socially and politically acceptable ideas and policies that were once universally seen as morally repellent, from abortion and same-sex marriage to legalizing drugs and euthanasia. The means are political, and sometimes the goal takes decades to achieve, but the progressive ambition is always to move forward.

Mr. Emanuel insists in his piece that he is not endorsing euthanasia and assisted suicide, but that is the logical endpoint of his arguments. One can draw a straight line from the thinking behind “Why I Hope to Die at 75” to the death panels under Obamacare that will determine who among are senior citizens is worthy of quality care and who isn’t, who gets the hip replacement or the pacemaker and who doesn’t. There is a contempt for the weakest among us in Mr. Ezekiel’s essay that is a hallmark of progressive politics. The elderly, the disabled, the unborn, those with terminal illnesses —all are seen as a drag on society’s resources and “undeserving” of society’s generosity.

(One can only wonder if the 57-year-old author would have written the same piece if he were 74.)

Consider the two policy prescriptions included in his piece. Rising life expectancy, he writes, should not be seen as a measure of the quality of life in a given society. (“Once a country has a life expectancy past 75 for both men and women, this measure should be ignored.”) And biomedical research can focus on treating chronic old-age diseases, but should make no effort to improve end-of-life care.

It’s easy to reject the narcissistic ethos behind this piece, the ideology that holds not all life is equally precious that the elderly, the disabled, the unborn have nothing to offer to society’s greater good; that virtues such as charity, selflessness, generosity and concern for the least among us are a sign of weakness. But as I say, conservatives and people of faith put themselves in danger when they underestimate the power for the Left of such ideas.

Despite Mr. Emanuel's protestations, euthanasia, assisted suicide and a rejection of the sanctity of life constitute the next great political agenda item for the Left. It starts with Obamacare and the death panels, but it won't end there. Those of us who value life cannot hide this time from what is going on, as happened too often in the past. Everyone must speak out, and there is no time to waste.

Not surprisingly, Mr. Emanuel has little to say — and nothing positive — about God in his piece, preferring to rest his arguments in Darwinian and natural terms. For it is in faith and religious values that we find the most powerful argument against “Why I Hope to Die at 75” and the progressive spirit behind it.

God values each human life more than his own. In our relationship with the Creator, we come to learn the virtues of sympathy, sacrifice and compassion for every one of His creatures, especially the most helpless ones at the beginning and end of life. God wants us to live each day to the fullest in service to Him and to each other — even if we’re past our 75th birthday.
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Baldo
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Source: Corrente

Corrente readers could see this coming in May 2013: "California exchange spending and contractors exempted from open records law(here)". I'm sure there are plenty of rationalizations for exemptions like that, but it's hard to think of any good reasons. And so we come to today's story from AP:

AP Exclusive: California gives no-bid health pacts

LOS ANGELES (AP) -- California's health insurance exchange has awarded $184 million in contracts without the competitive bidding and oversight that is standard practice across state government, including deals that sent millions of dollars to a firm whose employees have long-standing ties to the agency's executive director. ...

Several of those contracts worth a total of $4.2 million went to a consulting firm, The Tori Group, whose founder has strong professional ties to agency Executive Director Peter Lee, while others were awarded to a subsidiary of a health care company he once headed.

Awarding no-bid contracts is unusual in state government, where rules promote "open and fair competition" to give taxpayers the best deal and avoid ethical conflicts. The practice is generally reserved for emergencies or when no known competition exists. ...

The agency confirmed some no-bid contracts were awarded to people with previous professional ties to Lee, but emphasized Covered California was under pressure to move fast and needed specialized skills.

What a steaming load of crap. They had four years to build the system,[1] and "specialized skills" are always a rationalization for cronyism. I mean, come on. The bidding process is meant to find out if the needed skills really are all that specialized! Read below the fold...

http://www.blacklistednews.com/ObamaCare_Clusterf*ck%3A_Covered_California_gives_no-bid_contracts_to_cronies/38561/0/38/38/Y/M.html?utm_source=dlvr.it&utm_medium=twitter
Edited by Baldo, Oct 12 2014, 09:22 PM.
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kbp

The "exempted from open records" move is a clear illustration of the strategy to identify those 'more equal' in California!

The irony here is that the NON-competitive process used was to contract the 'more equal' to establish the exchange that is to increase competition in their marketplace...go figure!

Recall that the law says the State established exchange MUST be a state agency, an independent public agency, or a NON-PROFIT entity. I guess there wasn't anything to prevent a 'more equal' profitable business establishing what was to be established!
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kbp


Face the North...
Bend over...
Brace yourself on the South end!
Barry may rewrite Obamacare law... again!

Quote:
 
http://www.washingtontimes.com/news/2014/oct/12/hispanics-want-obamacare-for-illegal-immigrant-dre/print/

Hispanics want Obamacare for illegal immigrant ‘dreamers’
White House vows executive action on immigration reform after election


Top Hispanic leaders asked President Obama last week to grant some illegal immigrants access to Obamacare, saying the "dreamers" to whom the White House has given tentative work permits are already paying taxes, so they deserve government benefits.

The request is yet another complication stemming from the legal limbo Mr. Obama created for the dreamers, hundreds of thousands of young adults to whom the president gave a tentative legal status in 2012, but who were brought to the U.S. illegally by their parents as minors and thus remain illegal immigrants.

Under government policy, illegal immigrants are barred from buying insurance on Obamacare's exchanges, and about half the states also prohibit them from getting Medicaid benefits. But the National Hispanic Leadership Agenda said those whom Mr. Obama has freed from the danger of deportation should be considered "lawfully present for all purposes, including eligibility for public benefits and affordable health care."

"NHLA asks that you apply the fairness and equality that your Administration has shown in various other areas in the health care context and ensure that no one — regardless of their immigration status — lacks access to critical health care services," Hispanic leaders said in their letter.
No No No... they lack access to taxpayer subsidies, AKA redistribution.

Nearly 600,000 illegal immigrants had been approved for tentative legal status under what the administration labeled Deferred Action for Childhood Arrivals (DACA). Their status means they cannot be deported for two years from the time of their approval, and they can apply to renew that status every two years.
DACA = Administration directive for prosecutorial discretion to completely ignore law.

They have also been given work permits. Most states have also decided to allow them driver's licenses.

Immigrant rights activists have asked Mr. Obama to expand his deferred action program to include illegal immigrants who are parents of U.S. citizen children and parents of dreamers. If Mr. Obama were to follow through on that as part of his promised executive action after this year's elections, it could mean potentially millions more people eligible for Obamacare.
...after Barry's next EO????

Rosemary Jenks, government relations manager for NumbersUSA, which fights for a crackdown on immigration, said there is a bright dividing line that determines who should be eligible for taxpayer-funded health care benefits.

"As soon as Congress votes to change the law and allow illegal aliens to become legal, then those aliens will have access to U.S. benefits. But it's very clear taxpayers are not in favor of that, which is why Congress has not passed it," she said.

A Rasmussen Reports poll released earlier this month shows just how deep that opposition runs.

The poll found 71 percent of voters opposed giving services to the illegal immigrant children who surged across the border this summer, and 63 percent of the voters surveyed said that a generous social welfare system in the U.S. draws illegal immigrants here.

During the 2009 and 2010 debates over Obamacare, immigrant rights advocates fought for access for illegal immigrants but ran into opposition from both the White House and Democrats in Congress, who didn't want the issue sinking the entire health care law.
Maybe the IRS could reinterpret it! :P

Immigrant rights advocates, though, say the legal situation for those illegal immigrants who have been granted forms of tentative legal status is different. Indeed, they said the law actually would allow dreamers to get health care, but the Obama administration changed its own policies to stop it.

Before Mr. Obama's June 2012 policy for dreamers, others who had been granted deferred action on their deportations had been eligible for publicly funded health care benefits, according to the National Latina Institute for Reproductive Justice.

But in August 2012 the administration issued new guidance saying dreamers wouldn't be eligible — in essence creating yet another category of tentative legal status that was eligible for just a subset of rights to which other immigrants are entitled.

Mr. Obama had planned to take action extending his nondeportation policies this summer but backed off, fearing a backlash from voters. Now the White House has said he will act after Election Day, when voters can no longer punish him or his party.
I'd need to find a worthy source to prove what I believe the law is. Anyway, I believe you must first be eligible for a tax credit as qualification to even purchase insurance from an exchange, before subsidies come into play, and I'm fairly certain illegal aliens of any kind can't qualify. It seems like there was some lawfully present limit in the law and prosecutorial discretion for being here unlawfully did NOT qualify them.

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kbp

From ACA...
Section 1312 (f)(3):

  • Access limited to lawful residents. If an individual is not, or is not reasonably expected to be for the entire period for which enrollment is sought, a citizen or national of the United States or an alien lawfully present in the United States, the individual shall not be treated as a qualified individual and may not be covered under a qualified health plan in the individual market that is offered through an Exchange.


The absence of prosecution, by whatever means, does not make an unlawful act lawful... until we get a new EO on it!

ADD: Of course that is based on the Obamacare system checking to verify that the applicant is legally eligible!
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Edited by kbp, Oct 13 2014, 11:01 AM.
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Baldo
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If the Republicans control the Senate & House it will be interesting to see what Obama will do.

Will he give amnesty? Will he give Obama-care to illegals. Who knows? He doesn't care about what the law says, he has a pen & a phone.

Or he will do nothing except play golf, travel, figure out how much china & silverware Michelle can steal from the White House. Watch out for the Lincoln bed!
Edited by Baldo, Oct 13 2014, 11:05 AM.
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kbp


We have discussed this from the first day we saw what the deductibles would be, and it will grow into a problem for them to keep the Obamacare policy holders, 80%+ of them using subsidies just to cover premiums....

Quote:
 
http://bigstory.ap.org/article/41df6bca84b8454cb059ffe9bef9e222/poll-many-insured-struggle-medical-bills

Poll: Many insured struggle with medical bills

Posted Image

They have health insurance, but still no peace of mind. Overall, 1 in 4 privately insured adults say they doubt they could pay for a major unexpected illness or injury.

A new poll from The Associated Press-NORC Center for Public Affairs Research may help explain why President Barack Obama faces such strong headwinds in trying to persuade the public that his health care law is holding down costs.

The survey found the biggest financial worries among people with so-called high-deductible plans that require patients to pay a big chunk of their medical bills each year before insurance kicks in.

Such plans already represented a growing share of employer-sponsored coverage. Now, they're also the mainstay of the new health insurance exchanges created by Obama's law.

Edward Frank of Reynoldsville, Pennsylvania, said he bought a plan with a $6,000 deductible last year through HealthCare.gov. That's in the high range, since deductibles for popular silver plans on the insurance exchanges average about $3,100 — still a lot.

"Unless you get desperately ill and in the hospital for weeks, it's going to cost you more to have this plan and pay the premiums than to pay the bill just outright," said Frank, who ended up paying $4,000 of his own money for treatment of shoulder pain.

"The deductibles are so high, you don't get much of anything out of it," said Frank, who is in 50s and looking for a new job.

The poll found that people respond to the hit on their wallets in ways that may not help their health:

— Nineteen percent of all privately insured adults said they did not go to the doctor when they were sick or injured, because of costs. Among those with high-deductible plans, the figure was 29 percent.

— Seventeen percent skipped a recommended test or treatment; it was 23 percent among those with high-deductible plans.

— Eighteen percent of all adults went without a physical exam or other preventive care, 24 percent among those with high-deductible plans.

[...]

Indeed, the poll showed that a majority of those with private insurance, 52 percent, would rather pay a higher premium and limit out-of-pocket costs than lower their premiums and potentially face higher out-of-pocket charges.

Many consumers also said they made financial trade-offs to pay medical bills:

—Overall, 33 percent said they cut back on entertainment; it was 43 percent among those with high-deductible plans.

—18 percent said they used up all or most of their savings, 24 percent among those with high-deductible plans.

—19 percent said they dialed down their contributions for retirement savings, 28 percent for people with high-deductible plans.

One government definition sets the threshold for a high-deductible plan at $1,300 for individual coverage, but actually annual deductibles of $2,000 and even much higher are common.

Some people pair a high-deductible plan with a tax-sheltered savings account to pay their out-of-pocket costs — the poll found 40 percent who say they have high-deductible plans also have such an account. On the insurance exchanges, low-income people can receive additional help from the government for their cost-sharing expenses.

In another potentially troublesome finding for the White House, the poll found signs of dissatisfaction among people who changed plans in the last year, as the president's health overhaul went into full effect.
[...]
I have no idea what they mean by stating "low-income people can receive additional help from the government for their cost-sharing expenses."
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