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2014-01-08
2013-12-22
How Obamacare Actually Works — Or Doesn't
The Hidden Impact of Obamacare and the Economy
By Jacqueline Leo4 hours ago
Obamacare has delivered another sucker punch to the middle class. This time it’s sticker shock.
Now that a few people can get past the tech problems of HealthCare.gov and actually see the real cost of insurance plans available, they are finding that Affordable Care is big hit to the family budget. And when the family budget gets hit in the solar plexus, guess what happens to consumer spending and the economy.
In California, policies for about 900,000 Californians are being canceled because of Obamacare’s mandates and about 2/3rd of these do not qualify for subsidies, according to The Chicago Tribune. The result—these folks will be paying higher premiums.
In Alabama, premiums have doubled for some middle class families like Courtney Long, a stay-at-home mother of four. She told WHNT News. “It’s devastating. I started crying,” said Long. “I mean, we have worked so hard to get out of credit card debt, get ahead on the car loan, transfer our mortgage to a 15 from a 30 year mortgage… and for what?”
In Tennessee, Sen. Lamar Alexander (R-TN) issued an analysis of a White House report and found the following:
— Today, a 27-year-old man in Memphis can buy a plan for as low as $41 a month. On the exchange, the lowest state average is $119 a month — a 190 percent increase.
— Today, a 27-year-old woman in Nashville can also buy a plan for as low as $58 a month. On the exchange, the lowest-priced plan in Nashville is $114 a month — a 97 percent increase. Even with a tax subsidy, that plan is $104 a month, almost twice what she could pay today.
— Today, women in Nashville can choose from 30 insurance plans that cost less than the administration says insurance plans on the exchange will cost, even with the new tax subsidy.
— In Nashville, 105 insurance plans offered today will not be available in the exchange.
In Washington State, Obamacare will increase the underlying cost of individually purchased health insurance by 34-80 percent on average, according to Forbes. The list goes on and on and includes Texas, Florida, New York, Illinois, Georgia and North Carolina. But premiums are just the beginning. The deductibles are outrageous, too.
A piece in Saturday’s The New York Times tells the story of Doug and Ginger Chapman, ages 55 and 54, a middle class couple “sitting on the health care cliff.” Their annual income of around $100,000 a year makes them ineligible for a subsidy in New Hampshire (if they earned under $94,000, it would cut their costs by half). They have to replace their family insurance which includes the two of them and their two sons. The premium cost alone, not including any deductible is $1,000 a month, or 12 percent of their income.
A piece in Saturday’s The New York Times tells the story of Doug and Ginger Chapman, ages 55 and 54, a middle class couple “sitting on the health care cliff.” Their annual income of around $100,000 a year makes them ineligible for a subsidy in New Hampshire (if they earned under $94,000, it would cut their costs by half). They have to replace their family insurance which includes the two of them and their two sons. The premium cost alone, not including any deductible is $1,000 a month, or 12 percent of their income.
The Times’ analysis found the following:
“The cost of premiums for people who just miss qualifying for subsidies rises rapidly for people in their 50s and 60s. In some places, prices can quickly approach 20 percent of a person’s income. Experts consider health insurance unaffordable once it exceeds 10 percent of annual income. By that measure, a 50-year-old making $50,000 a year, or just above the qualifying limit for assistance, would find the cheapest available plan to be unaffordable in more than 170 counties around the country, ranging from Anchorage to Jackson, Miss.”
The other group that gets disproportionately hit is the young, according to Forbes. For a 40 year old, the 2013 average deductible was $4,045, and the cost increased 29 percent to $309. For a 64-year-old man, the cost of a plan with a $3,494 deductible increased 64 percent to $806.
The Real Impact of Obamacare is Yet to Come
If even a fraction of the middle class and upper middle income earners divert some of their discretionary dollars to pay for health care, it will have a significant impact on consumer spending. What will that mean for the economy? Consumer spending accounts for about 70 percent of the nation’s GDP, although experts say that number is likely to decline.
The top 20 percent of income earners account for about 40 percent of all spending in the U.S. When you increase the costs of health care and the new taxes associated with Obamacare, you can hear the wallets closing.
2013-12-21
Impeach Obama Now!
America is under attack from within. Over the last 4 ½ years, our nation has been transformed for the worse so much that one would hardly recognize it. We have a corrupt, Chicago politician in the White House who is bleeding our nation to death. Since he won re-election with the help of low information voters and a compliant media, the details of even further corruption has been revealed. The time has come and we must not relent until this happens.
IMPEACH OBAMA AND REMOVE HIM FROM OFFICE
Here’s why:
He has purposefully lied about the Benghazi atrocity, instructed others to lie, and intimidated whistleblowers who were guilty of nothing but a desire for justice and the truth. While our Libyan Ambassador burned and others were slaughtered, he went to bed, not even caring enough to make one phone call as to the status of the seven hours of Hell. Prior to the attacks, multiple requests for extra security in Benghazi, including from the murdered Ambassador Christopher Stevens, were refused by his regime. This was despite the fact that the British Embassy in Libya had been previously attacked just months earlier by Islamic terrorists. He has used taxpayer funds to run TV ads in Pakistan, pushing and promoting the lie that the Benghazi attacks were caused by a YouTube video.
At a time of the "Sequester" so-called cuts, equating to a insignificant cut in the "rate of growth" of government spending, he closed White House tours to our children, while sending hundreds of millions of taxpayer funds to the known terrorist group, The Muslim Brotherhood, in Egypt, including giving them F-16's and tanks.
He has treated our foreign friends like enemies and rewarded our enemies as if they were our friends.
He has inflicted the nation with over 20,000 pages of incoherent rules, regulations, and mandates in the form of ObamaCare, which, for the first time in history, gives the federal government the power to force its citizens to buy something that only the government approves of.
He has divided the country like in no time in history since the Civil War. He has pitted men against women, gay people against straight people, and used unAmerican, Marxist class warfare that has no place in a free America. He has caused racial strife by unjustifiably labeling anyone who disagrees with his USSR-style governance as a "racist."
He has degraded our people at every opportunity, apologizing for America on foreign soil. He has bowed to the Saudi Prince, humiliating our nation. To the Mexican people, he blamed the American people for his illegal gun-running operation "Fast and Furious." He apologized to the Mexican people for U.S. sovereignty while inferring that the lower region of our country still belonged to them.
He has continually and on numerous occasions abused the power of his office. To cover-up his regime's crimes in the Fast and Furious gun-running operation, in which the Obama regime gave guns to Mexican drug gangs, in an attempt to later attack the Second Amendment, he pleaded Executive Privilege.
He has exploded the already gargantuan national debt, increasing it by approximately 60% during his first term, while insisting that we must spend even more. He has failed to get even one of his budgets passed, even during the period when his own party held both houses of Congress, with his budget being defeated, 414-0, in the House and 99-0 in the Senate, without receiving even one vote from his own party.
He burned-up $862 billion on a "stimulus" plan that was supposed to create "shovel-ready jobs". Later, he admitted there was no such thing as a "shovel-ready" job.
He has promoted voter fraud at every possible occasion, and failed to convict proven voter intimidation based upon the skin color of the lawbreakers.
He has advertised and promoted America's food stamp program over Mexican airwaves to Mexican citizens, in an attempt to swarm our country with millions more in illegal aliens and further bankrupting our country with "Cloward and Piven" tactics.
He has sued several states repeatedly, stopping them from implementing the laws their citizens had approved, violating the Tenth Amendment in the process, while completely obliterating the constitutional principle of state sovereignty.
He has unconstitutionally bypassed Congress at every turn by using the federal bureaucracy to inflict massive and crushing laws on our people.
He has appointed dozens of unconstitutional "czars," unchecked by any balance of powers, who have served no purpose but to harass.
By all accounts he has created a Nixonian "Enemies List" which has included any individual, company, or industry that disagrees with his destructive policies. He has attacked and tried to silence our once "free press," even going to the extreme of instructing Americans which media sources they should listen to.
He embarrassed and harmed our relationship with our ally, Great Britain, by sending an official U.S. delegation to Socialist dictator, Hugo Chavez's funeral, but yet sending no one to the great defender of liberty, the great former British Prime Minister, Margaret Thatcher's funeral.
He has used tragedy and crisis to attack our constitutional freedoms, using the Sandy Hook shootings to infringe upon our non-negotiable Second Amendment rights. He used the Benghazi terrorist attacks, blaming them on the First Amendment which would allow a YouTube video critical of Islam.
He has unconstitutionally attacked our sacred freedom of religion, a God-given right guaranteed by our Founders in the First Amendment.
President Obama is the most corrupt president in U.S. history. His actions are against everything this country was founded upon and stands for. He is a danger to America. We are therefore calling for his impeachment and removal from office. We urge you to join us for the good of our nation and to keep the legacy of our Founding Fathers alive.
Can ObamaCare Possibly Be / Get Any Worse?
Story of the year
By Charles Krauthammer
The lie of the year, according to Politifact, is “If you like your health care plan, you can keep it.” But the story of the year is a nation waking up to just how radical Obamacare is — which is why it required such outright deception to get it passed in the first place.
Obamacare was sold as simply a refinement of the current system, retaining competition among independent insurers but making things more efficient, fair and generous. Free contraceptives for Sandra Fluke. Free mammograms and checkups for you and me. Free (or subsidized) insurance for some 30 million uninsured. And, mirabile dictu, not costing the government a dime.
In fact, Obamacare is a full-scale federal takeover. The keep-your-plan-if-you-like-your-plan ruse was a way of saying to the millions of Americans who had insurance and liked what they had: Don’t worry. You’ll be left unmolested. For you, everything goes on as before.
That was a fraud from the very beginning. The law was designed to throw people off their private plans and into government-run exchanges where they would be made to overpay — forced to purchase government-mandated services they don’t need — as a way to subsidize others. (That’s how you get to the ostensible free lunch.)
It wasn’t until the first cancellation notices went out in late 2013 that the deception began to be understood. And felt. Six million Americans with private insurance have just lost it. And that’s just the beginning. By the Department of Health and Human Services’ own estimates, about 75 million Americans would have plans that their employers would have the right to cancel. And millions of middle-class workers who will migrate to the exchanges and don’t qualify for government subsidies will see their premiums, deductibles and co-pays go up.
It gets worse. The dislocation extends to losing one’s doctor and drug coverage, as insurance companies narrow availability to compensate for the huge costs imposed on them by the extended coverage and “free” services the new law mandates.
But it’s not just individuals seeing their medical care turned upside down. The insurance providers, the backbone of the system, are being utterly transformed. They are rapidly becoming mere extensions of the federal government.
Look what happened just last week. Health and Human Services unilaterally and without warning changed coverage deadlines and guidelines. It asked insurers to start covering people on Jan. 1 even if they signed up as late as the day before and even if they hadn’t paid their premiums. And is “strongly encouraging” them to pay during the transition for doctor visits and medicines not covered in their current plans (if covered in the patient’s previous — canceled — plan).
On what authority does a Cabinet secretary tell private companies to pay for services not in their plans and cover people not on their rolls? Where in Obamacare’s 2,500 pages are such high-handed dictates authorized? Does anyone even ask? The bill itself is simply taken as a kind of blanket warrant for HHS to run, regulate and control the whole insurance system.
Remember the uproar over forcing religious institutions to provide contraception coverage? The president’s “fix” was a new regulation ordering insurers to provide these services for free. Apart from the fact that this transparent ruse does nothing to resolve the underlying issue of conscience — God sees — by what right does the government order private companies to provide free services for anyone?
Three years ago I predicted that Obamacare would turn insurers into the lapdog equivalent of utility companies. I undershot. They are being treated as wholly owned subsidiaries. Take the phrase “strongly encouraging.” Sweet persuasion? In reality, these are offers insurers can’t refuse. Disappoint your federal master and he has the power to kick you off the federal exchanges, where the health insurance business of the future is supposed to be conducted.
Moreover, if adverse selection drives insurers into a financial death spiral — too few healthy young people to offset more costly, sicker, older folks — their only recourse will be a government bailout. Do they really want to get on the wrong side of the White House, their only lifeline when facing insolvency?
I don’t care a whit for the insurance companies. They deserve what they get. They collaborated with the White House in concocting this scheme and are now being swallowed by it. But I do care about the citizenry and its access to a functioning, flourishing, choice-driven medical system.
Obamacare posed as a free-market alternative to a British-style single-payer system. Then, during congressional debate, the White House ostentatiously rejected the so-called “public option.” But that’s irrelevant. The whole damn thing is the public option. The federal government now runs the insurance market, dictating deadlines, procedures, rates, risk assessments and coverage requirements. It’s gotten so cocky it’s now telling insurers to cover the claims that, by law, they are not required to.
Welcome 2014, our first taste of nationalized health care.
2013-12-17
More Astonishing Government Waste! It Never Ends!
Is it possible that government waste of our tax dollars could be more egregious? Read it and weep!
U.S. Federal Government WASTE - 2013
Sad!
U.S. Federal Government WASTE - 2013
Sad!
2013-12-10
What Do You Know About Benghazi?
Can you answer these questions about Benghazi? If not, why not?
(click on the following link)
Benghazi Questions You Should Be Able To Answer
(click on the following link)
Benghazi Questions You Should Be Able To Answer
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