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Top Health Scientist

Fullerton, CA

#1 Jan 18, 2014
It doesn't insure many of the uninsured. Most people who signed up already had insurance.

==========
The latest reporting on this topic comes from Christopher Weaver and Anna Wilde Mathews of the Wall Street Journal. They cite several industry surveys on the coverage history of those signing up for insurance on the Obamacare exchanges. The first, from McKinsey & Co., indicates that “only 11 percent of consumers who bought new coverage under the law were previously uninsured.” McKinsey surveyed 4,563 individuals “thought to be eligible for the health-law marketplaces,” of which 389 had enrolled in exchange-based plans.
Landmark

Los Angeles, CA

#2 Jan 18, 2014
Backers have promoted the Affordable Care Act and Medicaid expansion as a way to reduce health care costs for many Americans.

Multnomah County officials expect national health care reform to cut the county's medical bills, too.

By enrolling jail inmates in nationally subsidized healthcare -- best known as "Obamacare" to both the President and his critics -- the county could bill the federal government for the cost of providing some of them medical care.

Since: Oct 13

Location hidden

#3 Jan 19, 2014
Another lie told by Obama is that costs will come down. Healthcare will be cheaper.
Their is not one single thing in Obama care that reduces costs lowers price. Nada zero zip.
Opinion

Hot Springs, SD

#4 Jan 19, 2014
Time for some facts and less b/s.
Health care spending growth is the lowest on record.
Health care price inflation is at its lowest rate in 50 years.
Recent slow growth in health care spending has substantially improved the long-term Federal budget outlook.
The slowdown in health care cost growth is more than just an artifact of the 2007-2009 recession: something has changed.
• The ACA is contributing to the recent slow growth in health care prices and spending and is improving quality of care.
New economic research shows that the ACA’s Medicare reforms are likely to reduce health care spending and improve quality system-wide.
Accounting for “spillovers” implies that the ACA’s effect on health care price inflation may be much larger than previously understood.
CBO estimates that the ACA will substantially reduce long-term deficits.
http://www.whitehouse.gov/sites/default/files...

Since: Oct 13

Location hidden

#5 Jan 19, 2014
Opinion wrote:
Time for some facts and less b/s.
Health care spending growth is the lowest on record.
Health care price inflation is at its lowest rate in 50 years.
Recent slow growth in health care spending has substantially improved the long-term Federal budget outlook.
The slowdown in health care cost growth is more than just an artifact of the 2007-2009 recession: something has changed.
• The ACA is contributing to the recent slow growth in health care prices and spending and is improving quality of care.
New economic research shows that the ACA’s Medicare reforms are likely to reduce health care spending and improve quality system-wide.
Accounting for “spillovers” implies that the ACA’s effect on health care price inflation may be much larger than previously understood.
CBO estimates that the ACA will substantially reduce long-term deficits.
http://www.whitehouse.gov/sites/default/files...
Really your using (facts) from the Whitehouse.
Their is NOTHING IN OBAMA CARE that reduces costs or expenses NOTHING!!!

Since: Oct 13

Location hidden

#6 Jan 19, 2014
Opinion wrote:
Time for some facts and less b/s.
Health care spending growth is the lowest on record.
Health care price inflation is at its lowest rate in 50 years.
Recent slow growth in health care spending has substantially improved the long-term Federal budget outlook.
The slowdown in health care cost growth is more than just an artifact of the 2007-2009 recession: something has changed.
• The ACA is contributing to the recent slow growth in health care prices and spending and is improving quality of care.
New economic research shows that the ACA’s Medicare reforms are likely to reduce health care spending and improve quality system-wide.
Accounting for “spillovers” implies that the ACA’s effect on health care price inflation may be much larger than previously understood.
CBO estimates that the ACA will substantially reduce long-term deficits.
http://www.whitehouse.gov/sites/default/files...
This is the same Whitehouse that also said.
Will be most transparent.
You can keep your plan.
You can keep your Dr.
Won't pay for abortions.
Will be more affordable.
Will be more choice.
Will be easy to sign up.
Will offer better coverage.
Right now the Whitehouse has Zero credibility.
Opinion

Hot Springs, SD

#7 Jan 19, 2014
Lord Hater wrote:
<quoted text>
Really your using (facts) from the Whitehouse.
Their is NOTHING IN OBAMA CARE that reduces costs or expenses NOTHING!!!
Jump up and down and scream all you want but facts are facts. You can put your head in the sand and ignore facts but they still exist.

I realize that facts are tough things to choke down when they go against what you politically wish to believe and upset your apple cart.

Most of the report came from Congressional Budget Office and was further backed up by other independent sources. At the bottom of the report is the sources which you are welcome to read.

Facts are tough to get around by just saying you don't like where they came from.

What is the Congressional Budget Office?

CBO is responsible for providing nonpartisan and thoughtful analysis to the Congress, and the agency is proud that its success in carrying out that mission, for more than 35 years, is widely acknowledged both on and off Capitol Hill. CBO has the utmost confidence in the objectivity of the work it produces, and the agency devotes considerable time and energy to explaining the basis for its findings as clearly as possible.

Congressional Budget Office (CBO) has produced independent analyses of budgetary and economic issues to support the Congressional budget process. The agency is strictly nonpartisan and conducts objective, impartial analysis, which is evident in each of the dozens of reports and hundreds of cost estimates that its economists and policy analysts produce each year. All CBO employees are appointed solely on the basis of professional competence, without regard to political affiliation. CBO does not make policy recommendations, and each report and cost estimate discloses the agency’s assumptions and methodologies. All of CBO’s products apart from informal cost estimates for legislation being developed privately by Members of Congress or their staffs are available to the Congress and the public on CBO’s website.
Opinion

Hot Springs, SD

#8 Jan 19, 2014
Lord Hater wrote:
<quoted text>
This is the same Whitehouse that also said.
Will be most transparent.
You can keep your plan.
You can keep your Dr.
Won't pay for abortions.
Will be more affordable.
Will be more choice.
Will be easy to sign up.
Will offer better coverage.
Right now the Whitehouse has Zero credibility.
Some of that is nonsense and not worth responding to.

Health insurance reform will NOT use your tax dollars to fund abortions.
Fact
The health insurance reform legislation maintains the status quo of no federal funding for abortions, except in cases of rape, incest or when the life of the woman is endangered. A federal judge recently wrote "the express language of the [Affordable Care Act] does not provide for taxpayer funded abortion. That is a fact and it is clear on its face."

The Affordable Care Act will help bring down the cost of health care.
Fact
The health policy experts and economists who have looked at this legislation have said we are pursuing every possible mechanism to reduce health care costs. The Congressional Budget Office found that health insurance reform will reduce the deficit by $210 billion in this decade and by more than $1 trillion over the following 10 years. And a family of four would save as much as $2,300 on their premiums in 2014 compared to what they would have paid without reform.
Opinion

Hot Springs, SD

#9 Jan 19, 2014
Lord Hater wrote:
<quoted text>
Really your using (facts) from the Whitehouse.
Their is NOTHING IN OBAMA CARE that reduces costs or expenses NOTHING!!!
“Don’t let people confuse you. Don’t let them run the okie doke on you. Don’t be bamboozled.”— President Barack Obama, May 2013

Since: Oct 13

Location hidden

#10 Jan 19, 2014
Opinion wrote:
<quoted text>
Some of that is nonsense and not worth responding to.
Health insurance reform will NOT use your tax dollars to fund abortions.
Fact
The health insurance reform legislation maintains the status quo of no federal funding for abortions, except in cases of rape, incest or when the life of the woman is endangered. A federal judge recently wrote "the express language of the [Affordable Care Act] does not provide for taxpayer funded abortion. That is a fact and it is clear on its face."
The Affordable Care Act will help bring down the cost of health care.
Fact
The health policy experts and economists who have looked at this legislation have said we are pursuing every possible mechanism to reduce health care costs. The Congressional Budget Office found that health insurance reform will reduce the deficit by $210 billion in this decade and by more than $1 trillion over the following 10 years. And a family of four would save as much as $2,300 on their premiums in 2014 compared to what they would have paid without reform.
Should,Expected,Projected,Coul d,Anticipated,As much. So far none of what you have stated about saving or costs has come true. My insurance is going up 5400 a year. Anyone that is having their insurance cost go down is because of subsidies that the rest of us are paying for. Medical cost and fees are not going down nor Does Obama care put caps on fees just the opposite more taxes.
Opinion

Hot Springs, SD

#11 Jan 19, 2014
Lord Hater wrote:
<quoted text> Should,Expected,Projected,Coul d,Anticipated,As much. So far none of what you have stated about saving or costs has come true. My insurance is going up 5400 a year. Anyone that is having their insurance cost go down is because of subsidies that the rest of us are paying for. Medical cost and fees are not going down nor Does Obama care put caps on fees just the opposite more taxes.
I strongly question what you are saying. I realized that now you have an improved policy based on benefits to you from what the old policy was which "might" make the old policy cost a little more but not $5400 per year.

So your insurance premium costs are going up $5400 per year. That is $450 per month more over what you were paying for you what you indicate was the same insurance policy.

I say that is b/s. Nothing more nothing less.

I don't know what your income is or what the number of dependent's you have,--- but you better take a trip to one of the websites and see what you can purchase a policy there for.

I'm not buying what your are saying.
Opinion

Hot Springs, SD

#12 Jan 19, 2014
Lord Hater wrote:
<quoted text> Should,Expected,Projected,Coul d,Anticipated,As much. So far none of what you have stated about saving or costs has come true. My insurance is going up 5400 a year. Anyone that is having their insurance cost go down is because of subsidies that the rest of us are paying for. Medical cost and fees are not going down nor Does Obama care put caps on fees just the opposite more taxes.
You were prior to the ACA paying more in passed on costs and in taxes than you now are paying because of subsidies.

If you would do some reading you can see how that the subsidies were offset and thus tax payers and passed on costs will be less.

I fully realize that nothing I say or real facts will change your mind. You want to hate for hates' sake. I cannot change that.

You will willing and quickly believe what you wanted to believe in the first place. I'm telling you that you should look at the real facts and quit believing what you want to believe.

Since: Oct 13

Location hidden

#13 Jan 19, 2014
Opinion wrote:
<quoted text>
I strongly question what you are saying. I realized that now you have an improved policy based on benefits to you from what the old policy was which "might" make the old policy cost a little more but not $5400 per year.
So your insurance premium costs are going up $5400 per year. That is $450 per month more over what you were paying for you what you indicate was the same insurance policy.
I say that is b/s. Nothing more nothing less.
I don't know what your income is or what the number of dependent's you have,--- but you better take a trip to one of the websites and see what you can purchase a policy there for.
I'm not buying what your are saying.
We HAD great insurance never any problems with coverage. Fam of 4 no medical issues non smokers. Yes up by 450 a month. Don't qualify for subsidy and if we choose a Obama plan our coverage will be crap as well as Dr choice hospital choice increased deductible. Obama care completely screwed us.
Opinion

Hot Springs, SD

#14 Jan 19, 2014
Lord Hater wrote:
<quoted text> We HAD great insurance never any problems with coverage. Fam of 4 no medical issues non smokers. Yes up by 450 a month. Don't qualify for subsidy and if we choose a Obama plan our coverage will be crap as well as Dr choice hospital choice increased deductible. Obama care completely screwed us.
Who is your insurance carrier?

Since: Oct 13

Location hidden

#15 Jan 19, 2014
Opinion wrote:
<quoted text>
Who is your insurance carrier?
Humana.
Opinion

Hot Springs, SD

#16 Jan 19, 2014
Lord Hater wrote:
<quoted text> We HAD great insurance never any problems with coverage. Fam of 4 no medical issues non smokers. Yes up by 450 a month. Don't qualify for subsidy and if we choose a Obama plan our coverage will be crap as well as Dr choice hospital choice increased deductible. Obama care completely screwed us.
I have a hard time accepting what you are saying.

Does anyone in the family work? If so they can thank Unions for insurance coverage from their job. If not their insurance would be subsidized through the employer under the act. If their employer does not offer insurance then they qualify for coverage under the ACA at a reduced price.

If you are poor you qualify for Medicaid if your governor did not opt out for political reasons.

$450 increase per month for the basic same coverage it really hard to believe.

What was the premium before it was cancelled? What was the coverage? Was the insurance cancelled because it did not meet the minimum requirements under the act? In other words it was worthless anyway?

Under the Act the only people who could lose Dr. choice would be those receiving Medicaid and that would only be because the governor opted out of coverage. They can blame their Governor for that not the ACA or Obama.

All plans under the ACA are great, not crap. Those plans offer a minimum coverage and many free examinations and tests that were not covered before. So again I question your statement “.....if we choose a Obama plan our coverage will be crap...” that is simply not correct.

Hospital choice is not determined by the ACA. Hospitals give patient admitting rights and coverage to doctors. If a hospital does not accept patients from a Dr. it is usually because of past malpractice history and liability of the doctor. Insurance has nothing to do with it.
Ask them to quote the ACA where it does the things this person claims. Have you actually checked into what coverage is available under the websites?

Since: Oct 13

Location hidden

#18 Jan 19, 2014
Opinion wrote:
<quoted text>
I have a hard time accepting what you are saying.
Does anyone in the family work? If so they can thank Unions for insurance coverage from their job. If not their insurance would be subsidized through the employer under the act. If their employer does not offer insurance then they qualify for coverage under the ACA at a reduced price.
If you are poor you qualify for Medicaid if your governor did not opt out for political reasons.
$450 increase per month for the basic same coverage it really hard to believe.
What was the premium before it was cancelled? What was the coverage? Was the insurance cancelled because it did not meet the minimum requirements under the act? In other words it was worthless anyway?
Under the Act the only people who could lose Dr. choice would be those receiving Medicaid and that would only be because the governor opted out of coverage. They can blame their Governor for that not the ACA or Obama.
All plans under the ACA are great, not crap. Those plans offer a minimum coverage and many free examinations and tests that were not covered before. So again I question your statement “.....if we choose a Obama plan our coverage will be crap...” that is simply not correct.
Hospital choice is not determined by the ACA. Hospitals give patient admitting rights and coverage to doctors. If a hospital does not accept patients from a Dr. it is usually because of past malpractice history and liability of the doctor. Insurance has nothing to do with it.
Ask them to quote the ACA where it does the things this person claims. Have you actually checked into what coverage is available under the websites?
Self employed
986. To 1498
now pay attention
if we switch to Obama care plan we get worsened coverage just as expensive higher deductible restrictions on Dr and Hospital.
We don't. Qualify for subsidy (we would have to take a pay cut)
Letter from humana (edited)
This is a reminder that your policy will be updated to include ACA Benefits beginning January 1 2014
Your new monthly premium will be automatically deducted from your checking account. You have until Dec 31 2013 to contact us to make,change or update your policy. Remember your options include eliciting to continue your current plan and premium rate or adding ACA benefits to existing policy.
We have a year to find a new plan. Obama care is not a option to expensive crap coverage and deductible.
Obama care is the direct cause of our impending rate increase.
Opinion

Hot Springs, SD

#19 Jan 20, 2014
Lord Hater wrote:
<quoted text>
Self employed
986. To 1498
now pay attention
if we switch to Obama care plan we get worsened coverage just as expensive higher deductible restrictions on Dr and Hospital.
We don't. Qualify for subsidy (we would have to take a pay cut)
Letter from humana (edited)
This is a reminder that your policy will be updated to include ACA Benefits beginning January 1 2014
Your new monthly premium will be automatically deducted from your checking account. You have until Dec 31 2013 to contact us to make,change or update your policy. Remember your options include eliciting to continue your current plan and premium rate or adding ACA benefits to existing policy.
We have a year to find a new plan. Obama care is not a option to expensive crap coverage and deductible.
Obama care is the direct cause of our impending rate increase.
There was an article, I think it was on Media matters or Daily KOS, that said some insurance companies were sending out letters threatening to raising their prices intentionally to get more money from their customers when in fact they were trying to get their customers to keep their already crap plan. It explained how this was a scam to get you to pay more for the same coverage. Humana was one of the companies caught doing this. I’ll try to find it. Humana. They are terrible anyway. Your best option would to go with the ACA. Coverage will be better, not worse.
The statement on restrictions on doctor and hospital are false If anything you will have better coverage under the act.
It is apparent your coverage was crap to begin with.“Remember your options include eliciting to continue your current plan and premium rate...” so what is the complaint complaining? It appear as though you can still buy a crappy insurance plan if you wants.

It just leaves me wondering. Have you check into the websites and really compared coverage?

I'm going to do some more looking and thinking.
Opinion

Hot Springs, SD

#20 Jan 20, 2014
Likely everything is in the details. Depending on what you had and what plan to select it may be more costly … BUT … I find most Republicans love to do the following ….

1. Miss-alignment of what “tier” their prior plan would be: Typically you’ll find that people “believe” that their prior plan was a “upper-middle” or the top of the line and they equate it to one of the better plans on the web-site (I think there are 4 tiers on the ACA may be more on state run). They don’t compare apples to apples on the deductible and/or the co-pays

2. They only look at the monthly premium and don’t look at cost across the year (i.e. ACA has a lot of preventative things as free/no-copay and they may not give value to the preventative). Even prior to the ACA people didn’t maximize their policies. A small co-pay would prevent people from going to get a check-up. If you truly use the ACA you get a lot of preventative things at no cost – on average that saves you down the road. For those that weren’t using their polices benefits before the ACA and don’t plan to use the new benefits they may see an increase.

3. They don’t value the life-time cap. Prior to the ACA – you couldn’t find a policy that didn’t have a life-time cap and a low deductible was very expensive. I had ever seen a policy that didn’t have a life-time cap of some sort in our healthcare policies. While they may have existed they were expensive. This is a huge deal that clearly adds to the cost of any policy. If conservatives repeal the ACA or change this requirement you’ll get policies that have life-time caps and they will be much cheaper. Most policies prior to the ACA had 5 digit caps which is why one major healthcare incident still bankrupted a lot of people.

4. They make up and align with the talking point of can’t choose a doctor and blame what was already happening on the ACA. For NC – Blue Cross is one of two providers on the ACA (we don’t have a state exchange). For NC Blue Cross holds the majority of all policies – and between the two they were already covering most of the people in the state (private non-employer). They controlled who was “in your network” prior to the ACA and they control it now. Prior to the ACA they could change who was in your network at an individual level and can change it now. Each year Dr’s fall off and on their plans as being in network. Blue Cross still allows you to see any doctor you want but they’ll make you pay a higher % of the cost if you don’t use an in-network. Along with Cigna, Wellpoint and others they did take the opportunity to tell everyone that they may not get the same doctor – which was happening prior to the ACA (happened to me 6 times). In addition to in-network they try and allocate and guarantee patients to hospitals/doctors/practices that participate. So while your current doctor may be in network they will assign X people to him and then force others to select another in-network doctor. Even though your doctor is with Blue Cross he’ll only see the patients Blue Cross has assigned to him. Happened before the ACA – happens now – however the ACA gave them an opportunity to really re-allocate. The “allocation” thing may be what is at play – vs the ACA.
Opinion

Hot Springs, SD

#21 Jan 20, 2014

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