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Healthcare Bill Part III; Obamacare
Topic Started: Mar 3 2014, 02:20 PM (48,697 Views)
kbp

Quote:
 
http://www.washingtonpost.com/blogs/wonkblog/wp/2014/03/14/understanding-the-latest-fight-over-the-individual-mandate/

Understanding the latest fight over the individual mandate
BY JASON MILLMAN

In the latest war over Obamacare, the GOP is essentially trying to encourage Americans everywhere to seek an exemption from the individual mandate, the health law provision that requires everyone to get insurance by March 31 or face a penalty.

The Obama administration says exemptions to the mandate are much more limited than the GOP and opponents of the law would have you believe.

Separately, the Republican-controlled House on Friday voted 238-131 in favor of bill that would delay the individual mandate until 2018. The impact of this legislation, which was tied to reform of Medicare physician reimbursements, would mean 13 million fewer people would have insurance in 2018 than if the mandate were kept in place, the Congressional Budget Office said this week.

[...]

I am 110% clueless how they would come up with that number! IIRC, the most they ever projected to add from UNinsured to insured with Obamacare was 9 million.

The ONLY way I can see the 13 million as being possible is to add to the UNinsured as ONLY a result of Obamacare!

I called Jason Millman at the WP and he told me he'd email a link to his source, FWIW. Maybe we'll see how they came up with that number.


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kbp

That 13 million may include fewer buying private insurance to avoid the mandate. That's based on the idea that more UNinsured would have purchase private coverage as a result of the mandate.
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kbp

Quote:
 
http://cbo.gov/sites/default/files/cbofiles/attachments/hr4015withCampAmendment.pdf

CBO and JCT estimate that enacting the amendment would increase the number of people without health insurance coverage in 2018—relative to current‐law projections—by about 13 million people, resulting in 43 million uninsured in that year. That increase in the uninsured population would consist of roughly 5 million fewer individuals with coverage under Medicaid or the Children's Health Insurance Program, 1 million fewer individuals with employment-based coverage, and 7 million fewer individuals with coverage obtained in the individual market (including individual policies purchased in the exchanges or directly from insurers in the nongroup market). Similar changes in coverage would occur in most other years in which there would be no penalty payment for failing to comply with the individual mandate. After 2018, smaller changes in coverage relative to current law would occur.
CBO and JCT estimate that premiums in 2018 for policies in the individual market would increase by 10 percent to 20 percent relative to current law, and in most other years in which there would be no penalty payment for failing to comply with the individual mandate.


I'll need to digest this! It makes absolutely no sense to me unless you add to the UNinsured as a result of Obamacare, I need to find the older projections for comparison (old desk top went out on me).
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kbp

The SOB's deleted the CBO page of original estimated results: http://cbo.gov/sites/default/files/cbofiles/attachments/44190_EffectsAffordableCareActHealthInsuranceCoverage_2.pdf

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kbp

Here is a previous post quote of myself from the original page 3 at the link:
Quote:
 
EXCHANGE ENROLLMENT
6 million = Individual Subsidized
1 million = Individual Unsubsidized
2 million = Employer thru Exchange
9 million = Total

That's for all of 2014, while I thought it was only through March (the 3 month exemption window)
We have less than 3% of the US population there, and I doubt if 100% of those which sign up are going to be Obamacare cheerleaders.

They're looking to have added 9 million in Medicaid through all of 2014. That's also just under 3% of the population. Both combined are actually about 5.5% of the population. It's hard to imagine them picking up more votes from NEW people on the FREE MONEY ride than they'll lose from people having to pay more money, losing policies, losing doctors....

IIRC, it never went past 13 million.
Edited by kbp, Mar 17 2014, 03:38 PM.
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kbp

Okay, it's voodoo math from where their optimistic total BS numbers had them in the year 2018. They had projected the 46 million uninsured would be reduced to 30 million, after mandating all (Individual and Employer). The numbers already prove the CBO was incorrect, but they IGNORED that fact when the recalculated damage from the GOP legislation. They also ignored where they lost any momentum after Barry revised and delayed every part of the Obamacare except taxing us (though he did add exemption for the penalty tax through the "hardship" claim).
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Baldo
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Whatever the number is, it is a disaster. The simple probability is for most Americans their insurance will go up & their choices go down.

Therefore the exact opposite of what Obama promised will come true. I really don't think that has sunk in with the general public.

Obama knew it, his staff knew it, the architects of the bill knew it, and the godfather's brother, the obnoxious Dr. Ezekiel Emanuel knew it. It is also why Obama exempted his loyal followers like the Unions.

They are all Liars!

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kbp

Here's the Waybackmachine record of the CBO's May 2013 numbers.
http://web.archive.org/web/20131225035936/http://www.cbo.gov/sites/default/files/cbofiles/attachments/44190_EffectsAffordableCareActHealthInsuranceCoverage_2.pdf

That record shows they started at 55 million uninsured in 2013, but I recall there was some sort of voodoo used to start out bigger and reach greater success. Anyway, page 1 shows the 30 million uninsured for 2018. The latest CBO estimate not only ignores the obvious inaccuracies of the 2014 projections, but it also completely ignores how Barry's delays moves the starting point for the Employer Mandate to 2017 and expands the exemption for "hardships."

The CBO cites their guess as being based on "current‐law projections" ...so for that to be accurate in the way they projected the GOP adding 13 million UNinsured in 2018, Barry's delays would NOT meet current law.

VOODOO!
Edited by kbp, Mar 17 2014, 04:29 PM.
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Baldo
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One Third of Uninsured Won’t Sign Up for Obamacare - the Fiscal Times

As the White House scrambles to get people signed up for health insurance before the March 31 deadline, many uninsured Americans say they are still planning to take their chances and remain without coverage.

A new study by Bankrate.com shows that about one third of uninsured Americans are going to remain without coverage and opt to pay the penalty.

The survey results suggest that the administration’s outreach to uninsured people may be falling short, with more than half of people without insurance unaware of the March 31 deadline—and even more unaware of subsidies that could make their policies more affordable.

Bankrate surveyed 3,005 people and found that 41 percent of those who were uninsured said they plan to stay uninsured because they think that health insurance is too costly. Meanwhile, about 70 percent said they were unaware of subsidies available under the new law that could make their health plans more affordable.

The study’s findings are worrisome for the Obama administration since the key goal of the president’s health care law was to extend access to health coverage for the uninsured.

A separate study by the McKinsey consulting firm found just 27 percent of Obamacare enrollees were uninsured. That means that the majority of those signing up for Obamacare had previous insurance of some kind—whether they were kicked off their old policies, or they found a better deal on the exchanges. Though not confirmed by the White House, if accurate, that could mean the law is failing to meet its intended goal....snipped

http://finance.yahoo.com/news/one-third-uninsured-won-t-101500681.html


Again where are all of those tens of millions uninsured? The numbers just don't add up.
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kbp

Baldo
Mar 17 2014, 04:47 PM
One Third of Uninsured Won’t Sign Up for Obamacare - the Fiscal Times

...Meanwhile, about 70 percent said they were unaware of subsidies available under the new law that could make their health plans more affordable.
[...]
Had the CBO used the actual 46 million to start with, their prediction would have been TWO thirds will not sign up. Even using the 55 million starting point, the 30 million unisured would be more than half.
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kbp

http://joshblackman.com/blog/2014/03/14/obama-administration-position-in-halbig-court-can-only-issue-relief-to-named-plaintiffs-so-well-disregard-it-for-everyone-else/

Obama Administration Position in Halbig: Court Can Only Issue Relief to Named Plaintiffs, So We’ll Disregard It For Everyone Else

:thud:

A must read, at least the first half.
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Baldo
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kbp
Mar 17 2014, 06:38 PM
http://joshblackman.com/blog/2014/03/14/obama-administration-position-in-halbig-court-can-only-issue-relief-to-named-plaintiffs-so-well-disregard-it-for-everyone-else/

Obama Administration Position in Halbig: Court Can Only Issue Relief to Named Plaintiffs, So We’ll Disregard It For Everyone Else

:thud:

A must read, at least the first half.
I'm Barack Hussein Obama and I will do as I please.
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kbp


COLLATERAL DAMAGE...

Quote:
 
http://dailycaller.com/2014/03/18/report-premiums-rising-faster-than-eight-years-before-obamacare-combined/

Premiums rising faster than eight years before Obamacare COMBINED

Health insurance premiums have risen more after Obamacare than the average premium increases over the eight years before it became law, according to the private health exchange eHealthInsurance.

The individual market for health insurance has seen premiums rise by 39 percent since February 2013, eHealth reports. Without a subsidy, the average individual premium is now $274 a month. Families have been hit even harder with an average increase of 56 percent over the same period — average premiums are now $663 per family, over $426 last year.

Between 2005 and 2013, average premiums for individual plans increased 37 percent and average family premiums were upped 31 percent. So they have risen faster under Obamacare than in the previous eight years.

An important caveat is that eHealth’s prices don’t include subsidies, so the prices for anyone earning between 100 and 400 percent of the federal poverty level will be lower. The Department of Health and Human Services (HHS) has repeatedly claimed patients will pay as little as $18 per month, without noting the taxpayer cost.

Premiums are being hiked across the board for several reasons, but the biggest contributor is the Obama administration’s highly touted “essential health benefits,” services that insurers on and off exchanges must provide.

Some benefits, such as emergency and laboratory services, are uncontroversial. But others, like maternity, newborn and pediatric services, are causing headaches for huge swaths of the population that don’t need them. Anyone past childbearing age, single men, the infertile, even nuns — their premiums are rising as well, because their plans must, by law, provide more services.

But premiums aren’t the only key to health care costs — deductibles and out-of-pocket costs like co-pays are also rising. When it comes to employer health plans alone, four out of five U.S. companies have increased deductibles or are considering doing so. (RELATED: 4 of 5 companies may hike deductibles due to Obamacare: http://dailycaller.com/2014/03/13/4-of-5-companies-may-hike-deductibles-due-to-obamacare/ )

Prices may be people away from purchasing health insurance. The latest survey from consulting firm McKinsey found that half of those who haven’t purchased health insurance yet this year cited their inability to pay the premium

https://www.ehealthinsurance.com/affordable-care-act/price-index
(you must enter dates to get results desired)

It could get worse!
Edited by kbp, Mar 18 2014, 03:18 PM.
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Baldo
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Commentary Magazine

March Madness? Fake ObamaCare Enrollment Numbers.

Jonathan S. Tobin


The administration is claiming a limited victory by saying the number of those enrolled in ObamaCare has now hit 5 million with two weeks to go until the March 31 deadline. If accurate, the number does represent a steep increase over the 4.2 million that were said to have signed up at the beginning of the month. At this rate, administration cheerleaders reason, the goal of 7 million enrolled in the Affordable Care Act may yet be reached at some point in the near future, if not quite on time. This burst of enrollments is seen as a vindication of President Obama’s all-out push to promote the law including such questionable activities as appearing on the “Between Two Ferns” web show where he traded barbs with comedian Zach Galifianakis.

But before the president and his team start popping the champagne corks to celebrate their achievement and their faux hipness, it’s time once again to point out that the administration’s Potemkin enrollment figures should be read with a truckload of salt. As the New York Times reported last month, as much as 20 percent of all those enrolled had not actually paid their premiums, meaning they were not covered by the program. While Secretary of Health and Human Services Kathleen Sebelius told Congress she had no idea what the numbers of unpaid enrollees were, more states are reporting these figures and, as CNBC reported last week, the results are literally all over the map. While some states report high pay rates, others like Maryland say only 54 percent have paid.

All this calls in to question not only the effectiveness of the sales job done by the president and celebrity supporters such as Lebron James. It also means that the odds that this system can sustain itself without mandating vast increases in rates for those who do pay are getting slimmer every day.

For months we’ve been told by the administration that the only problem with ObamaCare was a “glitchy” website that had since been fixed. But what has since become clear is that the effort to convince young and healthy Americans to sign up for insurance that is both expensive and not something they may need is a failure. Though many of those who clearly benefit from the new health law, such as the poor and those with pre-existing conditions, have signed up, the scheme requires large numbers of those who won’t need the coverage as often in order to be economically viable. That problem will be exacerbated by the failure of much larger percentages of customers to pay for their insurance.

As we’ve noted previously, the non-payment of the premium is not a technicality. Many of those purchasing the insurance may be first-time buyers and not understand that they must pay their bill before coverage starts rather than long after the fact, as they can with a credit card transaction. Or it may be that some enrolled with no intention of paying or thinking that the hype about the glories of ObamaCare they’ve heard in the mainstream media and from the president absolved them of the obligation to pay for it. But either way, the large number of non-payments renders the enrollment figures meaningless and ensures that the rates for those who do pay are going up next year by percentages that will shock them.

The president claimed that the number of enrollees has already reached the point where the law will work rather than collapse from lack of participation. But even if we accept his premise that falling millions of customers short of the announced goal of seven million is no big deal, the fact that hundreds of thousands of those being counted in the pool of those he’s counting are not covered because of non-payment of premiums makes his assertion a colossal fraud.

The president may think that a March madness ad blitz during the NCAA basketball tournament may save ObamaCare. But if the past pattern holds, any further surge in enrollment will provide the scheme with a false sense of security. Until we get a full accounting not only of those who signed up on a website but completed the process by paying for the plan they chose, we’ll have no idea how many people truly are enrolled. Seen in that light, the president’s enrollment promises may well turn out to be no different from other pledges he has made about the ACA in the last few years: completely untrue.

http://www.commentarymagazine.com/2014/03/17/march-madness-fake-obamacare-enrollment-numbers/
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chatham
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http://cnsnews.com/news/article/melanie-hunter/gop-strategist-obama-seems-be-only-person-really-trying-repeal-obamacare

GOP Strategist: Obama Seems to Be the Only Person Really Trying to Repeal Obamacare
March 17, 2014 - 4:38 PM
- See more at: http://cnsnews.com/news/article/melanie-hunter/gop-strategist-obama-seems-be-only-person-really-trying-repeal-obamacare#sthash.yzPklxR0.dpuf
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