Welcome to Obamacare…here’s the reality...

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PostFri Oct 04, 2013 6:15 pm » by Seahawk

Ten states where Obamacare wipes out existing health care plans

President Barack Obama famously promised, “If you like your health care plan, you can keep your health care plan.” He later got even more specific.

“If you are among the hundreds of millions of Americans who already have health insurance through your job, or Medicare, or Medicaid, or the VA, nothing in this plan will require you or your employer to change the coverage or the doctor you have,” Obama said.

But as Obamacare’s rollout approaches, we have learned this is not true. Here are the ten states where consumers may like their health care plans, but they won’t be able to keep them.

1) California: 58,000 will lose their plans under Obamacare. The first bomb dropped in California with a mass exodus from the most populated state’s Obamacare exchange. Aetna, the country’s third largest insurer, left first in July and was closely followed by UnitedHealth. Anthem Blue Cross pulled out of California’s Obamacare exchange for small businesses as well.

Fifty-four percent of Californians expect to lose their coverage, according to an August poll.

2) Missouri: Patients of the state’s largest hospital system — which spans 13 hospitals including the St. Louis Children’s Hospital — will not be covered by the largest insurer on Obamacare exchanges, Anthem BlueCross BlueShield. Anthem covers 79,000 patients in Missouri who may seek subsidies on Obamacare exchanges, but won’t be able to see any doctors in the BJC HealthCare system.

3) Connecticut: Aetna, the third largest insurer in the nation, won’t offer insurance on the Obamacare exchange in its own home state, where it was founded in 1850. The reason? “We believe the modification to the rates filed by Aetna will not allow us to collect enough premiums to cover the cost of the plans and meet the service expectations of our customers,” said Aetna spokesman Susan Millerick.

4) Maryland: 13,000 individuals covered by Aetna and its recently-purchased Coventry Health Care won’t be able to keep their insurance plans if they want Obamacare subsidies on the exchanges. Aetna and Coventry canceled plans to offer insurance in the exchange when state officials wouldn’t allow them to charge premiums high enough to cover costs.

5) South Carolina: 28,000 people were insured by Medical Mutual of Ohio, SC’s second-largest insurance company, until it decided to leave the state entirely in July due to Obamacare’s “vast and quite complex” new regulations. Company spokesman Ed Byers said Medical Mutual’s patients would be switched over to United Healthcare plans instead.

6) New York: Aetna pulled out of New York’s exchange in late August in an effort to keep their plans “financially viable,” said Aetna spokeswoman Cynthia Michener.

7) New Jersey: 1.1 million Aetna customers are at risk in New Jersey, where the leading insurer also won’t be a part of the exchange. Just 2,600 patients purchase individual plans with the company, but any looking to take advantage of subsidies on the exchange for unaffordable employer-based insurance won’t be able to do with Aetna.

8) Iowa: Wellmark Blue Cross and Blue Shield, Iowa’s largest health insurer, decided not to offer plans in the Obamacare exchange. It sells 86 percent of Iowa’s individual health insurance plans.

9) Wisconsin: Two of the three largest insurers in the state won’t offer plans on the exchange. United Healthcare and Humana patients will have to get a new health insurer to buy insurance on Obamacare exchanges.

10) Georgia: Just five insurers are participating in Georgia’s Obamacare exchange. Medical Mutual of Ohio left Georgia and Indiana as well as South Carolina, due to Obamacare regulations. Aetna, along with Coventry, also decided against participating in the George health exchange.

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PostFri Oct 04, 2013 8:22 pm » by Middleman

So nobody is man enough to acknowledge Poot's truth bomb back there?

That is some weak shit, gentlemen.

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PostFri Oct 04, 2013 8:27 pm » by Spock

I take it you would be 100% for Obamacare Middleman? If so, that is some weak shit right there.

As far as the "Truth Bomb" I guess you are talking about that being a real person. Okay, Bravo it worked out for that guy! It ain't gonna be that way for the vast majority, consider his circumstance the "New 1%".
Around conservatives I sound like a liberal, and around liberals I sound like a conservative.

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PostFri Oct 04, 2013 8:29 pm » by The57ironman


....anything....that the feds get involved in ...is doomed to failure...period


Collapse is a series of events that sometimes span years.
Each event increases in volatility over the last event,
but as time goes on these events tend to condition the masses.

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PostFri Oct 04, 2013 8:41 pm » by Poooooot

Middleman wrote:So nobody is man enough to acknowledge Poot's truth bomb back there?

lol, I'm used to it by now. It's not the first time someone requested proof, only to disappear when it's provided. Won't be the last either.

When someone has their mind made up, nothing is going to change it. No biggie. Everyone is entitled to their own opinion.
Matthew 7
“Do not judge, or you too will be judged. For in the same way you judge others, you will be judged, and with the measure you use, it will be measured to you.

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PostFri Oct 04, 2013 8:51 pm » by Middleman

Spock wrote:I take it you would be 100% for Obamacare Middleman?

Not 100% mate, just willing to see if it works, and unlike a lot of people, actually wanting it to work, because I'd like Americans to have what the rest of us already enjoy.

I'm %100 behind the proven, most efficient system, which is single payer.

If you call bullshit on something, subsequently are demonstrated to be wrong, and then never respond, you are a big girl's blouse, and I'm gonna laugh and point...and by you, as usual, I mean everyone.

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PostFri Oct 04, 2013 8:55 pm » by SolStone

Middleman wrote:So nobody is man enough to acknowledge Poot's truth bomb back there?

That is some weak shit, gentlemen.

I said I would not argue with anyone, but I am very willing to examine Obamacare in-depth with anyone desiring such an agreement. How about I start a thread named: Examination on Obamacare, where I will post a pdf.document and from page 1-947ish we will go through page by page and I will post every concern I have. Each concern can be addressed and alleviated.

Would anyone who has read the document and is prepared to examine it in depth with me agree to the creation of this thread? It would be a perfect opportunity for the experts to lay their case would it not?

This is not a Democracy.

This is not a Constitutional Democracy.

This is a Constitutional Republic.

At present it is a Fascist State, transitioning into a Socialist State.

The goal is to reduce every nation to 3rd world status (Socialism).

Now: If...our nation was run as a Constitutional Republic, as it was created to be, then each Sovereign State would be free to pursue Obamacare as they wish, and those citizens desiring to participate could move to those States and improve their economies (winning support for the program by default).

States who reject these regulations would be free to do so and then a true comparison in market would be present. The medical industry should only face regulations (if any) from State government, not federal government). In this manner, citizens are free to re-locate based on their lifestyles and ideological preference.

The only authority the federal government holds is the authority to mediate peace between Sovereign States should they threaten the peace of one another's citizens. With a land demography as large as the United States of America, any federal regulations spanning such a locale will lead only to the devalue of local economies, the inflation of the central government (regulatory institution), and the elimination of autonomous private industry. All industry thereafter would be in bed with central federal government and therefore constitute a Fascist State.

Again, the goal is to reduce every nation to 3rd world status.

Where will Obamacare lead to a social-demographic as large as the United States of America? All currency under the federal government is credit/debt based system of financing. You own no property the federal government cannot confiscate from you - all property value associated with your namesake is intangible and does not carry value. You live in a credit/debt system of finance and there is no property value intrinsic in this System.

When medical and monetary systems are governed by a central government, Health and Food Industry falls under this category. In a demographic as large as the United States of America, this leads to food allocation based upon varying levels of social dependence.

Again, the goal is to reduce every nation to 3rd world status.

If an expert in Obamacare would like me to create the thread for our examinations, then I will be willing; otherwise, stop instigating trouble without the intent to follow through.

I have laid everything I have said against the backdrop of the US Constitution, The Bill of Rights, and the Declaration of Independence. Any court case resulting in the loss of individual sovereignty will be covered based upon the authority of the governing system standing accused and subject to the amendment.

If this nation was governed as a Constitutional Republic as it should be, then Sovereign States would be fully capable of adopting any social program you desire to experiment with, as agreed upon by the supportive (taxpaying) locale.

As it stands, no Central government holds to the authority to subjugate any citizen who desires to relocate out of governing systems which their conscious cannot support. That is called oppression.

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PostFri Oct 04, 2013 10:52 pm » by 99socks

Not Planning to Buy Health Insurance? Here’s What’s Going to Happen to You

It may seem like a clever idea to save yourself cash by not purchasing health insurance, but with Obamacare kicking in, you’ll have penalties to pay, which could cost you big bucks in the long run.

Not only are you playing financial Russian roulette – you could be forking out tens of thousands or hundreds of thousands of dollars if you’re injured in an accident or become seriously ill – you’ll also have to pay a penalty to the federal government for flouting the law, costing you hundreds or thousands of dollars more.

A wiser decision if you’re uninsured is to start shopping on your state health exchange, which opened Tuesday — with glitches – as a key part of health care reform.

Money Talks News founder Stacy Johnson has information in the video below about the penalties you’ll face if you ignore the law. Check it out, then continue reading for more details about health reform.

It’s OK if you feel at a loss about the Affordable Care Act, which is also known as Obamacare. You’re not alone. A newly released survey by the Commonwealth Fund found that only 4 in 10 adults were aware of the health exchanges and the financial subsidies available to help cover costs when you buy insurance there, and only one-third of those without insurance were aware of the new way to shop for health insurance.

In the first quarter of the year, 46 million Americans didn’t have health insurance, according to the U.S. Centers for Disease Control and Prevention. The establishment of the state health exchanges, or insurance marketplaces, is designed to reduce the number of uninsured.

Who needs insurance?

Starting next year, almost everyone will need to be insured. You can purchase that insurance on your own or through the exchange, have it through your employer, or have it provided by government programs such as Medicare, Medicaid, the Children’s Health Insurance Program, TRICARE and veterans health insurance programs.

There are some limited exceptions, such as for those who earn a very low income or are members of certain religious groups, as shown in this graphic by the Kaiser Family Foundation.

While you can start shopping for insurance on a state exchange now, the policies don’t take effect until Jan. 1.

What if I don’t buy insurance?

If you skip the insurance, you’ll pay a penalty. For 2014 the fine is $95 for an individual or 1 percent of your income, whichever is greater, along with $47.50 per uninsured child, maxing out at $285 for the year.

But by 2016, an individual would pay $695 or 2.5 percent of your income.

The TurboTax website has a calculator to help you determine how high a penalty you’d pay.

Without insurance, you’d also face a double whammy. By 2016 you’d be forking over almost $700 to the federal government and having nothing to show for it, and still have to pay your own medical bills if you’re injured or become ill.

What will insurance cost?

The exchanges will sell four levels of policies – platinum, gold, silver and bronze. Bronze plans will have the lowest premiums, but cover only 60 percent of costs. Platinum, on the other hand, will have the highest premiums, but cover 90 percent of costs.

If you earn up to 400 percent of the federal poverty level ($45,960 for an individual and $94,200 for a family of four this year) you’ll be eligible for a subsidy, which will come in the form of a tax credit. Subsidies are based on your family size and your earnings. The less you earn, the higher the subsidy.

With the subsidies, more than half of Americans should be able to find health insurance for less than $100 a month, according to the U.S. Department of Health and Human Services, although you might choose to pay more.

There also will be caps on out-of-pocket costs. Typically, the maximum an individual will pay in co-payments and deductibles next year is $6,350, and a family’s costs will be capped at $12,700.

What if you delay?

Because you can’t be turned down for health insurance under the Affordable Care Act if you have a pre-existing condition, you might be tempted to dawdle and see if you actually get sick before purchasing insurance.

But that strategy could easily backfire.

You’ll only be able to buy insurance on your state health exchange through March 31, 2014. After that, the open enrollment period will run from Oct. 15 to Dec. 7 each year.

There are exceptions that allow you to purchase insurance on the exchange at any time of the year if you experience a life-changing event, such as moving to a new state, getting married, getting divorced, or having a baby.

While you can purchase insurance outside the exchange at any time, you won’t be eligible for a government subsidy, which is one of the cornerstones of health reform.

Bottom line: Ponying up for health insurance now can potentially save you from astronomical costs down the road.

http://finance.yahoo.com/news/not-plann ... 54106.html

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PostFri Oct 04, 2013 11:32 pm » by outlander-district6

A few years back, the state I live in followed a few others, and added an additional $1 tax on each pack of cigs, explaining that it was needed to help cover people's medicals with respiratory illnesses that couldn't afford healthcare. (I am retired, and nearing 60yrs) I had a bad bout a couple of years ago, and reluctantly followed my wife's wishes and went to the hospital.
At the admin desk the lady asked if I had insurance. I said yes, and set my pack of smokes on the table.
She foolishly thought I was joking, and said "that won't work". I then explained to her I was not working, and was not able to afford insurance, have a current respiratory health issue, and have been paying into the states fund since it was incepted. While she tried to argue, I argued back, that if the fund I was forcefully paying in to, was not available to me, then I should bring in legal council. I never got a bill for that visit, but did receive a statement 11 months later that it had been paid. It was a mere $650.

Over the last 12 years, total for my own personal medical expenses has been less than $3,500, and the bulk of that was covered through workman's comp due to a work injury before I retired. I don't make a habit of pissing my limited funds down the toilet.
I only pay $26 per month for vehicle coverage, which I know is much less than most folks, but since I've never filed a claim in 40 years, it amounts to a tax to be able to have driving privileges doesn't it?

As broke as this country is, and, considering the involvement of the IRS, along with the penalties for non-participation, what do you believe the revenues will actually be funding? Is it merely a forced tax to be privileged to live in the U.S.? Every state, county, and some municipalities have funds to help cover medical expenses for people in need. I don't know of any hospitals that are as bankrupt as the U.S. Postal service. They seem to be doing quite well in fact. People aren't dying or suffering greatly due to lack of healthcare, in the same numbers as those that are suffering because they don't get enough to eat, from lack of finances and available employment.

Time is running out. They need a lot of cash coming in from somewhere quickly.
Very often, when I log in, I see at the top of the page....Chat (1)........JUST WHO IN THE HELL ARE THEY CHATTING WITH???? :ohno:

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PostFri Oct 04, 2013 11:33 pm » by iamanalien

wow im glad I live in a dump called England , how can it be legal to fine somebody just because they don't want to pay for health care .

its up to the individual surely and if they don't pay then they probably face certain death if you have a serious illness.

what a world to live in where nobody cares about saving a life with or without health care ,im truly shocked ,humans have stooped to a new low.


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