Nice ACA summary
Posted in the Jackson-Heights Forum
#1 Mar 30, 2014
t was supposed to be the most burning crisis in America: the 30 million, 40 million, or even 50 million of us,(depending on which politician was screaming the loudest), who didn't have health insurance and were clamoring to get it in order to avoid everything from bankruptcy to death.
So the Obama administration and the Democrats in Congress, gave us the Affordable Care Act. And they did it with such urgency that they didn't care that not a single Republican in Congress voted for it, and they didn't care that it took legislative chicanery to pass it despite the Democrat super-majority. Nope, the millions of uncovered Americans desperate for affordable health insurance just couldn't wait any longer.
So when the Obamacare exchanges finally opened for business in October, of course the tens of millions of insurance-starved Americans stampeded over each other to sign up and finally get covered.
Except they didn't.
The reality has been shocking. A McKinsey Report estimates that just 10 percent of the roughly 4 million enrollees in the ACA are people that did not previously have health insurance. Just 1 in 10!
Those 40 million to 50 million Americans just clamoring for health coverage that the Democrats have been telling us about since the 1940s have turned into just about 400,000 people who have bothered to sign up so far. And how much do you want to bet that those 400,000 will end up making up the lion's share of the up to 900,000 enrollees who have failed to actually pay for their new coverage?
#2 Mar 30, 2014
Facts are not generally welcomed around here... but you have something of a point.
The vast majority of ACA/"Obamacare" enrollment numbers are people that lost the insurance that they already had due to the ACA/"Obamacare."
Yes, those very same people were told over & over by our benevolent government that they would NOT LOSE their insurance... but if we pretend that it isn't a scam... we can all continue to pretend that the ACA is actually good for America.
The game now is to kick the numbers game down the road past the 2014 & 2016 elections.
The numbers that the government is feeding us right now is nonsense. They are based on website hits to hc.gov , not based on people that have PAID FOR a policy.
The whole game right now is delaying the day that they announce that the insurance companies need to be bailed out by "the government" because young healthy people aren't signing up in numbers and at rates that will cover the old, sick people... AND ... the people that just don't want to work.
Oh, and by "the government," I meant the taxpayer. Do you work? If so, I'm talking to you. YOU will LOSE on this deal..
“Slightly below above-average”
Since: Jul 10
#3 Mar 31, 2014
You say this snake oil will cure anything! Give me a couple bottles please.
“Go Ahead Liberal, Make My Day”
Since: Dec 07
Florida...home of Trump
#4 Mar 31, 2014
no acknowledgement concerning the real facts; that's those who thought they could "keep their plan and keep their Doctor" that suffered from the real mechanics of what this phony law is all about. I hope those who learned the hard way make their vote this November count.
“Go Ahead Liberal, Make My Day”
Since: Dec 07
Florida...home of Trump
#5 Mar 31, 2014
you have to pass the bill first to see what type of snake you get
#6 Mar 31, 2014
Now there's this little gem from the LA Times today:
L.A. Times: More Than 9 Million Uninsured Gain Coverage
Anybody buying this?
On the last day for health insurance enrollment under the launch of Obamcare, millions more people have obtained health insurance, either directly through the exchanges or outside them, through Medicaid, and by staying on family plans. Based on state and federal reports, surveys and information from insurance executives, the Los Angeles Times estimates that at least 9.5 million previously uninsured people are now covered.
At least six million in the new marketplaces, about 2 million of which were previously uninsured, a share that probably increased this month;
At least 4.5 million signed up through Medicaid or SCHIP (the children's health program+) either through expansion or discovering their eligibility when applying for private insurance—this means more on Medicaid in states that didn't accept the expansion;
At least three million young people, up to age 26, have gained coverage on their parents plans;
About nine million previously insured people have purchased new plans outside of the exchange. And, in a crushing blow to the Kochs and their minions, fewer than one million who had substandard plans in 2013 which were cancelled are now uninsured, compared to the five or six or even seven million the Kochs et al. claim. That's based on a Rand survey. The Republican claim that there has been a net decline in coverage because of cancellations is "not supported by survey data or insurance companies, many of which report they have retained the vast majority of their 2013 customers by renewing old policies, which is permitted in about half the states, or by moving customers to new plans."
#7 Mar 31, 2014
The enrollment figure was edging close to 6.6 million, and by midnight tonight it might well hit 7 million.
Conservatives will say it’s all a big con. Two criticisms have some merit.
First, it’s certainly true that signing up isn’t the same thing as paying premiums on a month-to-basis. So we’ll have to see about that over time.
Second, the percent of enrollees who are young and healthy is apparently a little lower than the most optimistic hopes (it's around 27 percent).
Those are open questions that can’t be answered for a while. But they provide no basis on which to doubt the raw numbers. Consider these numbers from a Kaiser Foundation poll from last week. Percent who like the ACA’s extension of dependent coverage: 76. Percent supportive of the act’s closing of the Medicare drug “donut hole”: 73. Percent favoring “guaranteed issue” of coverage to people who are already sick: 69. Percent who back the Medicaid expansion: 62.
Oh, wait. Those are the Republican percentages. The overall percentages, respectively, are 80, 79, 70, and 74.
Here are two other numbers from the Kaiser poll. They gave people four options: keep the law as is, keep it and change it where needed, get of it and replace with a GOP alternative, and simply get rid of it and replace it with nothing. The first two and the second two can be reasonably grouped together as “basically support the law” and “basically oppose the law.” The numbers are 59 to 29. Not against—in support of the law.
#8 Mar 31, 2014
This came up in my college class. Exactly how will they collect the unpaid deductible from those that get really sick? Will they force the poor sick patient into bankruptcy, if necessary? No one knew the answer.
#9 Mar 31, 2014
I cannot say for sure but they (hospitals/Doctors) might not collect the unpaid deductibles but at least the vast majority of the total costs would be paid by their insurance.
In the past the "total" unpaid bill was passed on to those who could pay or had insurance. If they skipped out on the deductible it would be small potatoes compared to walking away from the whole bill. I doubt though that being required to pay the deductible would be a major problem in most cases.
Many people in the past "with insurance" were driven into bankruptcy because there was caps on benefits both yearly and lifetime. Under the ACA, insurers can no longer impose lifetime dollar limits on essential health benefits and annual limits are being phased out by 2014. More than 105 million Americans no longer have lifetime limits thanks to the new law.
I was involved with a nation wide group insurance plan that was considered the top of the line. It had both yearly and lifetime caps. I watch people go bankrupt because they exhausted their insurance coverage.
#10 Mar 31, 2014
Likely it is pretty close.
One thing is for sure, the ACA would have succeeded a lot better if Republicans had not first spread lies about it and thereafter doe everything in their power to make it fail.
In light of their best efforts to make it fail - destroy it - repeal it - lie about it - crashed website - it is doing remarkably well at this point
#11 Mar 31, 2014
#13 Mar 31, 2014
Final Day Of ACA Enrollment Sends Right-Wing Media Into A Frenzy
Right-wing media's last-ditch attempts to discredit the Affordable Care Act went off the rails as the end of open enrollment approached, from denying the law's basic premise of increasing access to health coverage through private companies to complaining that the law has become too successful.
March 31 marks the end of the ACA's open enrollment deadline -- the date by which individuals must enroll in a Qualified Health Plan in the ACA's exchanges for 2014. Enrollment numbers have reportedly surpassed the 6 million estimate, and early returns have suggested enrollment numbers may reach the administration's original estimate of 7 million sign-ups.
As the open enrollment period comes to a close, right-wing media haven't taken the continued enrollment surge well, desperately pushing debunked myths and trying to spin the positive numbers in last-ditch attempts to discredit the law.
Here are some of their best efforts:
Please click on:
#14 Mar 31, 2014
Have you changed your mind this afternoon? Earlier (Post # 7 I think) you said, "it’s certainly true that signing up isn’t the same thing as paying premiums on a month-to-basis. So we’ll have to see about that over time." (Easily the smartest thing you've said in a long time, by the way... well done)
Now, a few hours later, you are using those very same dubious sign-ups to claim victory, however.
The problem with the ACA is not that more people will be insured. The problem is not that people with pre-existing conditions are getting help. The problem is not that the poor will get subsidies. The problem is not that young people can stay on their parents' policy a little longer in a tough economy.
No, these things, in theory, are all fantastic.
The problem is how it will all be paid for.
I know that you could not care less about that eventuality because you have tirelessly defended this insane law at every turn. You went so far as to claim the "If you like your policy, you can keep your policy" lie was not a lie. Even the democrats cut their losses & didn't try to defend it.
But you're blinded when it comes to the ACA. You likely became emotionally invested in the good it will do, and bought every lie and ignored every uncomfortable reality at every turn.
The uncomfortable reality, Polly, is who pays for all this great new stuff Obama & his minions have "given" us. The bill is going to come due for all of these heavily subsidized newly insured people. The bill is going to come due for all of the people with pre-existing conditions that will run up extraordinary tabs. The bill is going to come due for all of our shiny new toys.
So who will foot the bill?
It will either be the insurance companies that have lobbyists and also donate big bucks to the very people that will decide ... or it will be little guys like you and me.
I know you like to gamble... care to wager on who foots the bill?
#15 Mar 31, 2014
Both postings #7 and #13 were not my words but clears shown to come from the source provided. You have demanded that source be provided in the past, so it was provided for you to read and see who actually said those words.
#16 Mar 31, 2014
Just think if the ACA (Republican Care) proves to be economically financially unworkable as you predict, we will likely be looking at some sort of a Single Payer System down the road.
The toothpaste is kind of hard to put back into the tube once out.
The world of healthcare will not return to the Republican desires of "do nothing".
Republicans made the fatal mistake of coming up with the Republican Care "mandate". The Democrats accepted and turned it into Obama Care which, as you know, I believe should be called Republican Care in honor of the Republican's basic idea. Yes I know they all shit their pants when the Democrats accepted it rather than the Public Option, Medicare for all or a Single Payer System. That just goes to show that Democrats are willing to compromise and look at Republican ideas. Thus we got what we got. Try to put the toothpaste back in the same tube.
Now if you do not like Republican Care (Obama Care as widely known) I would be quite willing to make changes to it. If fixes need to be made fix it.
Public Option or better yet a Single Payer System which would be the best bang for the buck.
#17 Mar 31, 2014
So you're happy that the democrats passed a bad law in favor of more attractive options... because they may have done it to spite the republicans???
You're even more insane than I thought.
#18 Mar 31, 2014
You assumption is not quite correct.
I knew that something needed to be done in regards to healthcare in the USA. I am happy that something progressive in needed healthcare reform was finally done.
I knew what had happened over the years regarding positions held by Democrats and Republicans.
I knew when President Obama started with healthcare reform he would not get everything he wanted if some type of Healthcare reform was passed.
I also knew going in that likely the final result would not be exactly what I would have wanted. Yet, some excellent changes were done and maybe the future will bring more.
Compromise is politics but I realize that it is a dirty word in your Glen Beck world.
Yes, Democrats gave up on a Single Payer System, a Public Option and Medicare for All because none were going to make it. All of which were more attractive options than the Republican "mandate" trying to force people to buy something and keeping insurance companies in the game.
I did not state that they accepted the "mandate" to spite Republicans but took it more in spite of Republicans being dead set against anything better. Insurance companies spent a lot of money fighting any healthcare changes in the past by feathering the pockets of politicians.
I don't think Republicans thought that Democrats would compromise to that extent but Democrats did just to get something done in regards to Healthcare. Remember it had not been that long since Hillary Care went down in smoke.
Thus we got the ACA. Not perfect but its a start down the right path.
Can it work? Yes it can. Republicans will likely continue to fight it tooth and nail. It reminds me of the fit Republicans threw years ago over Social Security Insurance which people were forced to buy into.
The question becomes just what Republicans plan to do if they get the chance to repeal it? Well that is up to them and they can deal with the resulting mess they created. People likely wake up to what benefits the ACA contained that Republicans would strip away.
If as you believe the ACA is not sound and will fail then will people be willing to allow the Republicans to do nothing or will people finally look to a Single Payer System which I have said over and over is the best bang for the buck spent?
Insane? I think the time is long past for you to bury your head in the sand and think the world will not change while your head below ground trying to ignore what is happening, is also insane.
#19 Mar 31, 2014
According to Ralston College President Stephen Blackwood, his mother’s cancer will be accelerated by Obamacare cutting her Sandostatin medication; the costs on that medication were $14,000 between January 1 and late February. Blackwood’s mom had a Blue Cross/Blue Shield plan for 20 years; Obamacare killed it. Blackwood wrote,“Then on Feb. 12, just before going into (yet another) surgery, she was informed by Humana that it would not, in fact, cover her Sandostatin, or other cancer-related medications… Obamacare made my mother's old plan illegal, and it forced her to buy a new plan that would accelerate her disease and death... The 'Affordable' Care Act is a brutal, Procrustean disaster.”
Emilie Lamb, a woman with lupus who supported Obama, said,“Obamacare has made my life a nightmare. Obamacare is a health plan that is both unaffordable and uncaring. For a law named ‘The Affordable Care Act,’ this is both backward and perverse.”
PALIN WAS RIGHT, OBAMA DEATH PANELS EXIST
#20 Mar 31, 2014
Michael Hiltzik about yesterday’s “Obamacare is killing my mother” story.
Hiltzik analysis reveals, as I suspected, that Stephen Blackwood’s mother isn’t having a problem with “Obamacare”; she’s having a problem with the private insurance industry. We still don’t know why Blue Cross dumped Mother’s policy, but the most likely reason is that Blue Cross chose to dump her and gave Obamacare as the excuse. Her issues with her difficulties in navigating the insurance market are in large part because Virginia Governor Bob McDonnell deliberately made it that way. The issue about Humana not covering the cancer meds has nothing whatsoever to do with Obamacare. That’s an issue with Humana and Humana’s deceptive sales reps.
Another interesting tidbit, from a commenter — the author Stephen Blackwood, is the “president of Ralston College,” but Ralston College doesn’t actually exist. Blackwood is in the process of raising money to build it. That doesn’t make Blackwood a bad person, of course. But we really don’t know anything about Blackwood.
That does point to a problem with Obamacare, just not the one Stephen Blackwood and the Wall Street Journal think it does. The problem is that the Affordable Care Act not only left commercial insurers at the center of our healthcare system, but strengthened their grip on coverage. Many of the problems that have cropped up with the ACA are reflections of the private industry’s role, including its lousy customer service.
#21 Mar 31, 2014
According to the workers at Extreme Dodge in Jackson, MI, they’re watching their premiums explode. That’s what they told NBC News senior investigative reporter Lisa Meyers in December. According to Breitbart News’ Wynton Hall,“Under Obamacare, the workers’ employer faced a 50% increase in costs to keep worker plans at the same benefit and deductible levels. To remain economically viable, the dealership decided to give each worker an extra $2,400 and let them find plans on their own.”
It’s not just autoworkers, though. According to Casey Heaps of Alabama, who saw her plan canceled and her rates jacked up,“This is not affordable at all. This is the unaffordable care act. I don't know what this world is coming to. It's scary. It makes me want to cry... When Obamacare hit I thought,'Wow, it's gonna be affordable.' That has not been the case... This has just put me in a whirlwind. I have no idea what I'm going to do." Andy and Amy Mangione of Kentucky saw their bills triple thanks to Obamacare.
Obama voters, too, are feeling the pain. Colorado Obamcare supporter Cathy Wagner said after watching her insurance plan killed,“I was really shocked. All of my hopes were sort of dashed. Oh my gosh, President Obama, this is not what we hoped for, it’s not what we were told… Our premium for next year is going up to over $1,000 a month for two of us and we’re two fairly healthy individuals.”
Other Obama supporters have been writing their Democratic congresspeople asking how they can obtain cheap coverage. One couple wrote to House Minority Leader Nancy Pelosi (D-CA),“We believe that the Act is good for health care, the economy, & the future of our nation. However, ACA options for middle income individuals ages 59 & 60 are unaffordable. We’re learning that many others are similarly affected. In that spirit we ask that you fix this, for all of our sakes.”
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