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Getbig Main Boards => Politics and Political Issues Board => Topic started by: Coach is Back! on October 28, 2013, 05:09:48 PM
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Keep knee padding libs, we warned you. Thanks for being part of the problem. And this is from a left wing rag..
NBC News
President Obama repeatedly assured Americans that after the Affordable Care Act became law, people who liked their health insurance would be able to keep it. But millions of Americans are getting or are about to get cancellation letters for their health insurance under Obamacare, say experts, and the Obama administration has known that for at least three years.
Four sources deeply involved in the Affordable Care Act tell NBC NEWS that 50 to 75 percent of the 14 million consumers who buy their insurance individually can expect to receive a “cancellation” letter or the equivalent over the next year because their existing policies don’t meet the standards mandated by the new health care law. One expert predicts that number could reach as high as 80 percent. And all say that many of those forced to buy pricier new policies will experience “sticker shock.”
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None of this should come as a shock to the Obama administration. The law states that policies in effect as of March 23, 2010 will be “grandfathered,” meaning consumers can keep those policies even though they don’t meet requirements of the new health care law. But the Department of Health and Human Services then wrote regulations that narrowed that provision, by saying that if any part of a policy was significantly changed since that date -- the deductible, co-pay, or benefits, for example -- the policy would not be grandfathered.
Buried in Obamacare regulations from July 2010 is an estimate that because of normal turnover in the individual insurance market, “40 to 67 percent” of customers will not be able to keep their policy. And because many policies will have been changed since the key date, “the percentage of individual market policies losing grandfather status in a given year exceeds the 40 to 67 percent range.”
That means the administration knew that more than 40 to 67 percent of those in the individual market would not be able to keep their plans, even if they liked them.
Yet President Obama, who had promised in 2009, “if you like your health plan, you will be able to keep your health plan,” was still saying in 2012, “If [you] already have health insurance, you will keep your health insurance.”
“This says that when they made the promise, they knew half the people in this market outright couldn’t keep what they had and then they wrote the rules so that others couldn’t make it either,” said Robert Laszewski, of Health Policy and Strategy Associates, a consultant who works for health industry firms. Laszewski estimates that 80 percent of those in the individual market will not be able to keep their current policies and will have to buy insurance that meets requirements of the new law, which generally requires a richer package of benefits than most policies today.
The White House does not dispute that many in the individual market will lose their current coverage, but argues they will be offered better coverage in its place, and that many will get tax subsidies that would offset any increased costs. “One of the main goals of the law is to ensure that people have insurance they can rely on – that doesn’t discriminate or charge more based on pre-existing conditions. The consumers who are getting notices are in plans that do not provide all these protections – but in the vast majority of cases, those same insurers will automatically shift their enrollees to a plan that provides new consumer protections and, for nearly half of individual market enrollees, discounts through premium tax credits,” said White House spokesperson Jessica Santillo.
Individual insurance plans with low premiums often lack basic benefits, such as prescription drug coverage, or carry high deductibles and out-of-pocket costs. The Affordable Care Act requires all companies to offer more benefits, such as mental health care, and also bars companies from denying coverage for preexisting conditions.
Today, White House spokesman Jay Carney was asked about the president’s promise that consumers would be able to keep their health care. “What the president said and what everybody said all along is that there are going to be changes brought about by the Affordable Care Act to create minimum standards of coverage, minimum services that every insurance plan has to provide,” Carney said. “So it's true that there are existing healthcare plans on the individual market that don't meet those minimum standards and therefore do not qualify for the Affordable Care Act.”
Courtesy of Heather Goldwater
Heather Goldwater, 38, of South Carolina, says that she received a letter from her insurer saying the company would no longer offer her plan, but hasn't yet received a follow-up letter with a comparable option.
Other experts said that most consumers in the individual market will not be able to keep their policies. Nancy Thompson, senior vice president of CBIZ Benefits, which helps companies manage their employee benefits, says numbers in this market are hard to pin down, but that data from states and carriers suggests “anywhere from 50 to 75 percent” of individual policy holders will get cancellation letters. Kansas Insurance Commissioner Sandy Praeger, who chairs the health committee of the National Association of Insurance Commissioners, says that estimate is “probably about right.” She added that a few states are asking insurance companies to cancel and replace policies, rather than just amend them, to avoid confusion.
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A spokesman for America’s Health Insurance Plans (AHIP), an insurance trade association, also said the 50 to 75 percent estimate was consistent with the range they are hearing.
Those getting the cancellation letters are often shocked and unhappy.
George Schwab, 62, of North Carolina, said he was "perfectly happy" with his plan from Blue Cross Blue Shield, which also insured his wife for a $228 monthly premium. But this past September, he was surprised to receive a letter saying his policy was no longer available. The "comparable" plan the insurance company offered him carried a $1,208 monthly premium and a $5,500 deductible.
And the best option he’s found on the exchange so far offered a 415 percent jump in premium, to $948 a month.
"The deductible is less," he said, "But the plan doesn't meet my needs. Its unaffordable."
"I'm sitting here looking at this, thinking we ought to just pay the fine and just get insurance when we're sick," Schwab added. "Everybody's worried about whether the website works or not, but that's fixable. That's just the tip of the iceberg. This stuff isn't fixable."
Heather Goldwater, 38, of South Carolina, is raising a new baby while running her own PR firm. She said she received a letter last July from Cigna, her insurance company, that said the company would no longer offer her individual plan, and promised to send a letter by October offering a comparable option. So far, she hasn't received anything.
"I'm completely overwhelmed with a six-month-old and a business,” said Goldwater. “The last thing I can do is spend hours poring over a website that isn't working, trying to wrap my head around this entire health care overhaul."
Goldwater said she supports the new law and is grateful for provisions helping folks like her with pre-existing conditions, but she worries she won’t be able to afford the new insurance, which is expected to cost more because it has more benefits. "I'm jealous of people who have really good health insurance," she said. "It's people like me who are stuck in the middle who are going to get screwed."
Richard Helgren, a Lansing, Mich., retiree, said he was “irate” when he received a letter informing him that his wife Amy's $559 a month health plan was being changed because of the law. The plan the insurer offered raised his deductible from $0 to $2,500, and the company gave him 17 days to decide.
The higher costs spooked him and his wife, who have painstakingly planned for their retirement years. "Every dollar we didn't plan for erodes our standard of living," Helgren said.
Ulltimately, though Helgren opted not to shop through the ACA exchanges, he was able to apply for a good plan with a slightly lower premium through an insurance agent.
He said he never believed President Obama’s promise that people would be able to keep their current plans.
"I heard him only about a thousand times," he said. "I didn't believe him when he said it though because there was just no way that was going to happen. They wrote the regulations so strictly that none of the old polices can grandfather."
For months, Laszewski has warned that some consumers will face sticker shock. He recently got his own notice that he and his wife cannot keep their current policy, which he described as one of the best, so-called "Cadillac" plans offered for 2013. Now, he said, the best comparable plan he found for 2014 has a smaller doctor network, larger out-of-pocket costs, and a 66 percent premium increase.
“Mr. President, I like the coverage I have," Laszweski said. "It is the best health insurance policy you can buy."
http://investigations.nbcnews.com/_news/2013/10/28/21213547-obama-admin-knew-millions-could-not-keep-their-health-insurance?lite
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I don't even know what to say anymore. Out of adjectives. :-\
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what is even more shocking is just how silent those supporters or this bill have been about this. Not one of those who supported this bill on here have commented on this.
They have just quitely given their approval to this
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what is even more shocking is just how silent those supporters or this bill have been about this. Not one of those who supported this bill on here have commented on this.
They have just quitely given their approval to this
As they do with everything their messiah does.
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http://investigations.nbcnews.com/_news/2013/10/28/21213547-obama-admin-knew-millions-could-not-keep-their-health-insurance?lite
Time for mal straw lurker Andre et al to all eat shit.
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http://investigations.nbcnews.com/_news/2013/10/28/21213547-obama-admin-knew-millions-could-not-keep-their-health-insurance?lite
Time for mal straw lurker Andre et al to all eat shit.
Obama could completely destroy the United States and you wouldn't hear a negative word from those guys.
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what is even more shocking is just how silent those supporters or this bill have been about this. Not one of those who supported this bill on here have commented on this.
They have just quitely given their approval to this
bump for those supporters of this bill to comment on this.
straw, lurker, blacken, andre, albert
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what is even more shocking is just how silent those supporters or this bill have been about this. Not one of those who supported this bill on here have commented on this.
They have just quitely given their approval to this
horseshit
I've commented on this specific issue twice saying it's not looking good for Obama's statement that "if you like your insurance you can keep it"
and that if this is true then it's going to be bad for the Dems
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horseshit
I've commented on this specific issue twice saying it's not looking good for Obama's statement that "if you like your insurance you can keep it"
and that if this is true then it's going to be bad for the Dems
if you have I apologize b/c i havent seen it, do you mind post links to these threads?
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if you have I apologize b/c i havent seen it, do you mind post links to these threads?
I'll be glad to copy and paste my actual posts if you promise to stop making these claims without having done the research
deal?
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I'll be glad to copy and paste my actual posts if you promise to stop making these claims without having done the research
deal?
if you have ill gladly leave you out of any further shit I give ppl for not commenting on this.
I cannot and will not quite giving you shit for being for this horrible piece of legislation and not seeing this coming even when anyone with any amount of common sense could though ;)
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if you have ill gladly leave you out of any further shit I give ppl for not commenting on this.
I cannot and will not quite giving you shit for being for this horrible piece of legislation and not seeing this coming even when anyone with any amount of common sense could though ;)
this or ANY other topic where you make a false claim about me
you do this all the time
do your research or don't make the claim. You can still make your point without flat out lying
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"They that sow the wind shall reap the whirlwind"
Reap the whirlwind, Democrats.
Reap it.
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Haha, how's that taking back the House looking now?
It's comical watching the Dems commit political suicide over this.
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this or ANY other topic where you make a false claim about me
you do this all the time
do your research or don't make the claim. You can still make your point without flat out lying
hahah ok, now links please
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hahah ok, now links please
I'm going to hold you to this so you better not be wasting my time
it certainly isn't looking good for his statement "if you like your insurance you can keep it"
Like I've said about ten times now, Repubs believe this will be a disaster and should let it happen
What you didn't read in the article you posted is that many people who are losing their policies will likely get policies with more coverage, lower deductibles and either the same premium or a slightly higher premium. I suspect there will be some who are looking at much higher prices and that will be a problem for Dems and a boon for Repubs
I might be able to take things you say with more seriousness if you didn't rant and rave like a fucking lunatic ALL DAY LONG
When you whine about every little fucking thing, call his wife names, use racial slurs, outright fucking lies etc.. You're telling people to not take you seriously
Is it possible for you to understand that?
could well turn out to be true and if so it will be BAD for Dems
This is what I don't understand about Repubs
They believe this legislation will be a disaster so why not take the high road and say it's the law of the land and help implement it rather than trying to delay it
If they truly believe it's going to bad then the country will be begging Repubs to get rid of it in 2016.
Sure it might hurt the country in the short run but we all know that Repubs are more than willing to hurt the country for their own political gain and this wouldn't be seen as their typical craven self serving harm to the country
They can take the total high road on this and come out of it looking both prescient and statesman like
Instead they decided to act like babies with a load in their diaper and they harmed the country and their brand on a folly that was never going to work in the first place
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hold on, so you are still denying that it is happening?
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hold on, so you are still denying that it is happening?
hold on, I assume you are aware of the concept of TIME
did you bother looking at the dates when I made to statements
The story about the White House knowing this in advance was from TODAY
My comments are from the PAST couple of weeks
WTF ?
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bump for those supporters of this bill to comment on this.
straw, lurker, blacken, andre, albert
Since when have I supported it? My opinion on this is already well known. Perhaps you might to try again Dumbo?
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hold on, I assume you are aware of the concept of TIME
did you bother looking at the dates when I made to statements
The story about the White House knowing this in advance was from TODAY
My comments are from the PAST couple of weeks
WTF ?
ahhh I see so you no longer dispute that ppl are losing their current health care plans as a result of obamacare and that this was a logically forseeable even given the law and its effects?
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Since when have I supported it? My opinion on this is already well known. Perhaps you might to try again Dumbo?
defending it is supporting it
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defending it is supporting it
When I have defended it? Please show me a link to that.
Really Dumbo, try to get your facts straight before lumping someone in a group. I know it's hard for that tiny little brain of yours but at least try.
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ahhh I see so you no longer dispute that ppl are losing their current health care plans as a result of obamacare and that this was a logically forseeable even given the law and its effects?
I didn't even dispute it a few weeks ago hence my statement that it was not looking good for Obama's comment
I've also stated that some of these people may well get better insurance and some may well get more expensive insurance
Either way, stop trying to stir up shit about people when you're just talking out of your ass
Like I said, you can still make the same point without trying to make false claims or just do your research first before making such claims
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I didn't even dispute it a few weeks ago hence my statement that it was not looking good for Obama's comment
I've also stated that some of these people may well get better insurance and some may well get more expensive insurance
Either way, stop trying to stir up shit about people when you're just talking out of your ass
Like I said, you can still make the same point without trying to make false claims or just do your research first before making such claims
LOL you make it easy when you say stupid shit like defending graysons comparison of the tea party to the KKK.
but I retract my previous statements in regards to this subject...mark that down straw you always say I never admit when Im wrong or change my stance.
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Haha at the sheeple trying to make excuses.
You pathetic pussies (read: StrawAnus and Lurker).
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Haha at the sheeple trying to make excuses.
You pathetic pussies (read: StrawAnus and Lurker).
The Fairy spouting more shit again. No surprise with all the ass he sucks.
I don't need an excuse when accused of something I never said. Perhaps you should just worry about getting those extra fries in the bag at the drive through.
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what is even more shocking is just how silent those supporters or this bill have been about this. Not one of those who supported this bill on here have commented on this.
They have just quitely given their approval to this
thats because they voted for gay marriage and abortion. not for Barack Obama and any of his policies. Republicans do the same thing. and it must stop.
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Sup...just saw my name pop up..what are we talking about...
im not reading that long ass horse shit post coach posted, so lets have a discussion
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Haha, how's that taking back the House looking now?
It's comical watching the Dems commit political suicide over this.
I would love to believe that this would actually cause the Dems to be eradicated and never show their spineless communist faces again, but we all know that the kool aid drinkers will NEVER turn their back on the Dems. They are brainwashed cult members. No different than the Manson family members who slaughtered a pregnant woman and her unborn baby. Dem supporters are slaughtering this once great country and they actually think they are doing the right thing. Barry the Kenyan Turd could come out on tv and say he was going to chop the heads off of all newborn babies and Dems would applaud and defend him the whole way.
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“when they made the promise, they knew half the people in this market outright couldn’t keep what they had and then they wrote the rules so that others couldn’t make it either,” said Robert Laszewski, of Health Policy and Strategy Associates, a consultant who works for health industry firms. Laszewski estimates that 80 percent of those in the individual market will not be able to keep their current policies and will have to buy insurance that meets requirements of the new law, which generally requires a richer package of benefits than most policies today.
and to think we elect them to represent our best interests
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“when they made the promise, they knew half the people in this market outright couldn’t keep what they had and then they wrote the rules so that others couldn’t make it either,” said Robert Laszewski, of Health Policy and Strategy Associates, a consultant who works for health industry firms. Laszewski estimates that 80 percent of those in the individual market will not be able to keep their current policies and will have to buy insurance that meets requirements of the new law, which generally requires a richer package of benefits than most policies today.
and to think we elect them to represent our best interests
One might argue that Obama is representing the best interest of the uneducated and low income black
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Obama could completely destroy the United States and you wouldn't hear the word 'impeachment' from those guys Republicans.
Fixed.
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what is even more shocking is just how silent those supporters or this bill have been about this. Not one of those who supported this bill on here have commented on this.
They have just quitely given their approval to this
No, shit-for-brains, we're waiting to see exactly what the impact will be. (That knee-jerk, henny-penny-the-sky-is-falling shit is for emotional basket-cases like you and Soul Crusher.) How many will be hurt by this? How many will helped? Of the people that will be hit the hardest, what is their median income? I need some perspective before I freak out about some of this. Hell, how many died when the last president lied? No matter what, I'm sure this shit will be several orders of magnitude less serious.
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No, shit-for-brains, we're waiting to see exactly what the impact will be. (That knee-jerk, henny-penny-the-sky-is-falling shit is for emotional basket-cases like you and Soul Crusher.) How many will be hurt by this? How many will helped? Of the people that will be hit the hardest, what is their median income? I need some perspective before I freak out about some of this. Hell, how many died when the last president lied? No matter what, I'm sure this shit will be several orders of magnitude less serious.
Why do you think this is important?
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Why do you think this is important?
Thank you for asking.
Because if someone's getting the shaft financially, I'm not gonna sympathize too much if they can afford it without a whole lot of upheaval in their lives. Especially if the lives of those much more disadvantaged than themselves are improved greatly.
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Top Dem admits ObamaCare could have been 'more precise' about people losing health plans
FOX ^
Posted on October 29, 2013, 2:41:12 PM PDT by Sub-Driver
Top Dem admits ObamaCare could have been 'more precise' about people losing health plans
Published October 29, 2013 FoxNews.com
A top Democratic official conceded Tuesday that the health care overhaul should have been "more precise" in acknowledging the possibility that some Americans would lose their current insurance plans -- even as the White House defended its past statements on the law.
The admission from House Democratic Leader Steny Hoyer comes after a 2010 document emerged that predicted millions might be dropped by their providers.
The document helped explain why thousands are already getting cancellation notices and being guided toward new plans. It also gave new meaning to Nancy Pelosi's infamous remark, shortly before the complex legislation was approved in March 2010, that "we have to pass the bill so that you can find out what is in it."
Hoyer said Tuesday that officials knew some health plans would not qualify under the new ObamaCare regulations. He said the overall message to the public was accurate -- just not precise enough.
(Excerpt) Read more at foxnews.com ...
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Thank you for asking.
Because if someone's getting the shaft financially, I'm not gonna sympathize too much if they can afford it without a whole lot of upheaval in their lives. Especially if the lives of those much more disadvantaged than themselves are improved greatly.
"hell, I like you. you can come over to my house and fuck my sister".
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Thank you for asking.
Because if someone's getting the shaft financially, I'm not gonna sympathize too much if they can afford it without a whole lot of upheaval in their lives. Especially if the lives of those much more disadvantaged than themselves are improved greatly.
Thanks for answering. That's what I thought, but just wanted to make sure.
Don't you think it's a little too simplistic to look at median income? What if a person has a higher median income, but a family of five, a mortgage, etc.? I wouldn't think it's any less fair to increase that person's expenses through government regulation either.