Showing posts with label affordable care act. Show all posts
Showing posts with label affordable care act. Show all posts

Monday, February 19, 2018

February, 2018, Part 3, The Unfolding Disaster That Is Obama Care: Real Americans Being Really Screwed by Obama Care

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements its rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:

  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, sugar, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused insurance premiums, deductibles and copays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care. To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

As we often do each month, we finish our latest discussions about the unfolding disasters of Obama Care with real life stories and tragedies of real life America families. Higher premiums, higher deductibles, more narrow networks, etc. The source of these heartbreaking stories and realities can be found at:

www.ourhealthcarestories.com

RON, MONTANA: Ron Cole, Montana Peterbilt Controller, doesn’t see the benefits outlined in the PPACA. "I see it as increasing costs than more than helping from an employer's standpoint,” says Cole. With new provisions from the IRS taking effect in 2014, including a ban on pre-existing condition exclusions, Montana Peterbilt isn’t sure it will keep offering health care, if costs rise. "All that stuff is going to cost money and all that is going to drive up the insurance costs and it may get to where it’s going to price insurance companies out of the market,” says Cole.

STACIE. GEORGIA: From Kaiser Health News:

Even some people who qualify for federal assistance, such as Stacie Brown, owner of a pottery shop, are balking. The cheapest "bronze" plan for Brown, her husband and son would cost the family $300 a month but not begin paying medical bills until they exceeded the $6,300 individual deductible. The cheapest silver plan would cost $508 a month but not start paying until a $3,000 individual deductible was met. Her son's pediatrician was not in any of the networks and that was the one medical service she felt sure her family would use. 

Brown ultimately bought a $256-a-month Assurant Health plan for her son, sold outside the marketplace, which covers his pediatrician and unlimited office visits. She and her husband have decided to forgo coverage for themselves, even though they may face a tax penalty of $700.

"I can’t afford the affordable health care," she said. "I don't know anyone in this area who can afford it, and I do pretty well in life."

ROBERT, TEXAS:” Policies bought before the law was passed were “grandfathered in” and can remain in place, she said.

But that apparently doesn’t lock in the cost of premiums or deductibles, said Robert Kecseg, an investment adviser in Lewisville. Kecseg, 61, said he bought a plan before Obamacare took effect. But the insurer that provided the coverage went out of business.

When he went to buy new insurance, he found that the cost was much higher. He had paid an annual $10,000 deductible before 2012. Now he pays double.

“It’s pretty spectacular,” he said.

The Kecsegs also faced a medical emergency this year that proved expensive, he said. In May, he suffered facial paralysis and had to be rushed to a hospital during a family reunion in Las Vegas. The emergency room care cost more than $3,000, he said.

“We’re paying it off over time,” he said.

Kecseg says, for example, that his wife is being charged for birth control. “My wife says she’s had her uterus removed, so we’re not really likely to have need for that,” he said. “But we’re going to pay for it.”

JOHN, PENNSYLVANIA: I pay for my family's insurance and had a plan that fit the family well. $2,500 deductible and $533 a month. Last year, I tried really hard to get on the Obamacare site and after probably 10 hours of trying finally got a quote. The results weren't good. $1433 a MONTH for bronze coverage with a $5000 deductible. I continued with my $533 a month plan this year because I renewed it last December, but just got a letter saying my plan could not be renewed. I'm now facing coverage that will likely cost almost 3X as much with a deductible twice as big. How is this affordable coverage? The President's promise of being able to "keep your plan" is just not true for me and never has been. I continue to be happy with my pre-Obama plan but bureaucrats claim to know what's best for me and my family. I strongly disagree.

FRED, CALIFORNIA: I am self-employed and had a modest but workable policy for my wife and two kids paying $350 a month or $4200 a year. The best we found this year under Obamacare was a Cigna policy at $1200 a month with a huge deductible. I have a small business and don't qualify for any subsidies [As if I would want them], so our premium went from $4200 to $14,400 or an increase of 342%, hardly affordable. So, we're part of a medical sharing program and we're paying the FIRST $5000 of our own medical expenses.

We've been knocked in the teeth by OBAMACARE.............not to mention the loss of freedom and the government coercion.

CAROLYN, KANSAS - CBS News has confirmed millions nationwide will be losing their current insurance coverage. That's because it doesn't meet the new minimum requirements under the Affordable Care Act. There could be thousands of Kansans in that total.

The letters started going out last month, telling Kansans their insurance policies will be discontinued at the end of the year.

"I'm self-employed," said Carolyn Perry. She runs a day care out of her home. "So I need the coverage cause anything can happen at any given time."

She's among those the Affordable Care Act was meant to help."But the premium that I'm paying now is twice as much as what it was when I first started paying it," she said. Perry buys her own health insurance. So far, she's keeping it.

The top line numbers of Obama Care have all been a disaster. But it is the personal stress and burdens on real Americans which really drives home the many unfolding disasters of Obama Care.

Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:


www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:


http://www.reason.com
http://www.cato.org
http://www.bankruptingamerica.org

http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w








Saturday, August 19, 2017

August, 2017, Part 5, The Unfolding Disaster Of Obama Care: Real Life Horror Stories From Real Life Americans

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements its rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:
  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, sugar, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused insurance premiums, deductibles and copays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care., To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

At the end of each month’s review of the unfolding disasters of Obama Care, we take a few minutes to step away from the top line failures to examine and review the real life hardships that Obama Care has caused real life Americans. From higher premium costs to higher deductibles costs to lost access to favored policies, doctors, and hospitals, to all kinds of hassles and health emergencies, Obama Care at the personal level has been a disaster for so many families and individuals. 

Some of these stories of Obama Care failures are listed below. The source of these experiences is, as always, the website:


RICHARD - MONTANA: I'm currently paying $229 per month on a plan from Humana that does exactly what I want. It'll keep me from going broke if something bad happens.

That Humana plan does not comply with ObamaCare. So it will be cancelled at some point. Originally it was scheduled to be cancelled at the end of 2014, now I'm not sure if it will be extended to 2016 or what.

The least expensive policy I could find that complied with Ocare was about $500/mo. and that was for this year. My understanding is that compliant policies for 2015 will be about 20% higher. I hope I can keep the current policy for next year, but I don't know. I am displeased.

DAVID, NEVADA - I was really looking forward to my $2,500 savings I was promised. My total yearly cost instead went up by $2,620 with a higher deductible. President Obama could not have been this far off in his prediction which means he knew he was lying and said it anyway.

JOHN - NORTH CAROLINA: My story has more to do with how many individuals and companies have decided that since they don't like the ACA, they'll use it as an opportunity to justify scalping. My family paid a reasonably affordable plan with BCBS through my wife's employer. When the ACA was enacted, our insurance rate when up almost $130 PER MONTH. This is insane! Also, due to my wife and I just getting married right before all of this happened, somehow the company 'forgot' to add me to the plan even though we'd filed the paperwork two times. When I went to healthcare.gov, I was shocked at some of the prices, and thought I wouldn't be able to afford any insurance and have to pay a fine (to add insult to injury).

EMILY - FLORIDA: I'm a retiree that worked for a Fortune 500 Company and had Wonderful Insurance Coverage which included Medical, Hospital, Dental, Rx, Vision and Mental Health. Due to Obamacare I lost my Insurance because of the Employee Mandate. I have Epilepsy, as a result I find myself in the emergency room often and admitted to the hospital all to often. Also, my prescription drugs cost are very high. The ACA did not meet my needs and what came close was not affordable and deductibles were very high. I took a policy on my own which was 3 times what I contributed through my employer but I had to cancel it because I could no longer afford it. So I have no insurance except Medicare. I had to go to the Hospital last week for 5 days, I don't know how I'm going to pay the bill.

BETTY - LOUISIANA: From KSLA 12: Thousands of people in the bayou state are among those discovering what Obamacare will cost them and many don't like what they see. Betty Foster is one of them. "I don't put the cost on these prescription drugs, but I have to have them."

Rates are rising for a lot of people, like Foster, in large part to help offset the higher costs of covering sicker, poorer people who have been shut out of the system for years. "With this new system coming in, I'm not even going to have money to pay my utility bills. Affordable care, what is affordable having to go from average $26 a month co-pays, they're going to be $400," Foster asks. 

JANETTE - CALIFORNIA: The chiropractor who expects her premiums to rise, the 60s-something company manager who has to pay for maternity coverage, the Simi Valley contractor and many others who make at least $46,000 a year -- they all pound away at the same rhythm.

They say the middle class is once again getting tattooed, this time by President Barack Obama's health care reform.

“However you look at it, the son of a gun lied to us," said Janette Ramsey, a Bakersfield business owner with a weekend home in Ventura. She's losing her current coverage and expects to pay $50 more a month for a policy with nearly double the deductible.

"I think it's an abomination," she said. "... I'm going to pay more and get 100 percent less."

VALENTINA - CALIFORNIA: By most people's standards, Valentina Holroyd is in excellent health. She works out six to seven days a week and competes in triathlons with a group of equally high-energy friends. She participates in 10 to 12 races a year and has made it to the podium on several occasions. She struggles with the usual joint problems associated with an active lifestyle, but otherwise she is healthy.

Holroyd supported the Affordable Care Act when it was passed in 2009. The moderate Democrat hoped it would help people with pre-existing conditions -- such as her husband -- get access to insurance, and would allow people who could not afford insurance before to find plans within their reach.

She found an affordable insurance plan through Kaiser Permanente in 2012 that met her budget and provided appropriate coverage for her family's needs

Everything changed in October, when Holroyd was notified by her insurer that her plan could not be renewed in 2014. The comparable plans offered to Holroyd featured a 29% increase in premiums and higher co-pays, as well as significantly higher prescription costs.

Holroyd expected to pay more under the new law, but the new estimates exceeded her expectations.

"We're savvy," she told CNN, "but we had no idea that the premiums were going to be what they are."

After the president's announcement, Holroyd was hopeful she'd be able to keep her policy after all. But the information that she was able to get over the next few days was cryptic at best.

Kaiser Permanente said only that it would review the announcement and that "If federal and state governments intend to change the health care coverage rules and the composition of federal and state marketplaces in 2014, we hope those changes will be done thoughtfully and with all stakeholders involved, to obtain the best outcome."

Holroyd anxiously waited for more definitive news, but the answer wasn't what she wanted to hear.

At the end of November, Covered California's board of directors -- the group that runs California's health insurance exchange -- unanimously rejected the administration's proposal.

"So, in a nutshell," Holroyd said in an e-mail, "we are now, once again, being forced into a lower coverage plan, for more money."

[. . . ]

She vehemently rejects the idea that her policy is inadequate because it doesn't meet the Affordable Care Act's minimum criteria. She insists that it provides better coverage for many of the things she counts on, such as chiropractic and eye care.

"My current plan is not junk," she said.

MARK - IDAHO: Mark A. York, a 60-year-old freelance writer in Hailey, Idaho, said he began shopping after he received a letter saying that his current insurance policy would be canceled because it did not meet the requirements of the health care law. In the exchange, he said, he found policies with premiums similar to what he is now paying, $440 a month, but “the deductibles were so high — $4,000 to $6,000 a year — that it defeats the purpose of having insurance."

DEBRA - KANSAS: This is my friend in Oklahoma City, OK

Sage Miodov Streck

April 23, 2014

This week has been one of the most challenging I've faced so far this year. I'm on 24/7 O2 right now with severe shortness of breath. I'm one week into a round of IV vancomycin, but we're still fiddling with the dosage until we hit the right therapeutic level. On top of that, my IV port was leaking and causing problems, which, knock on wood, we seem to have fixed for the moment. And my new insurance (thanks so much, Obama and every moron in Congress who voted for the ACA) is denying coverage of a vital medication I need every two weeks to keep my asthma from flaring out of control. I've already missed two doses, and they are still arguing about whether or not it's covered under my plan. It's hard enough living with a fatal genetic disease without having to deal with stupid insurance companies. There was nothing wrong with my old health plan, but I wasn't allowed to keep it under the new ACA. I've had nothing but problems since my new plan started January 1st. I would love for every single person who voted for that trash to spend even 30 minutes in my shoes. See what it's like when you aren't able to take a single deep breath. I guarantee you would change your vote, and try to pass legislation that might make life a little easier for the chronically ill, rather than more difficult. Rant over

Higher premiums, higher deductibles, less coverage, dropped policies, same failures every month.



Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:


www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:


http://www.reason.com
http://www.cato.org
http://www.bankruptingamerica.org

http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w






Wednesday, November 16, 2016

November, 2016, Part 2, The Unfolding Disasters That Is Obama Care: Less Compeititon, Higher Deducitbles, Higher Premiums

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements its rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:

  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused insurance premiums, deductibles and co-pays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care., To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

This week we will be reviewing the latest unfolding disasters from the worst piece of legislation ever written by Washington:

1) We have been reviewing the 2017 disasters that are starting to arise as a result of the fatal flaws within the Obama Care legislation. Michael Tanner, writing for the National Review on November 2, 2016, gave a good review of just some of the bad news rolling down the road for Obama Care:

  • Obama Care has attained less than half of the number of people with Obama Care insurance policies that should have been attained and what were promised.
  • Despite not attaining even 50% of the number of insured Americans that were promised via Obama Care exchange policies, those that are insured via Obama Care policies are older and sicker than average, resulting in higher than expected insurance costs which is driving insurance companies out of the market.
  • Premiums for the Obama Care benchmark silver plans are expected to rise by about 22% on average in 2017.
  • In Arizona, that silver benchmark plan will increase as much as 116%.
  • That same plan will go up 69% in Oklahoma.
  • But deductibles are also going up quickly with an average family with an Obama Care silver plan facing an annual deductible that is over $7,400.
  • A family with a bronze Obama Care plan will face an annual average deductible of $12,393.
  • These previous two points prove our point that the good news is that you have health insurance but the bad news is that you cannot use it because the deductible is so high.
  • While about 77% of Obama Care policy holders will not have to experience the entire obscene price increases, the American taxpayer will have to pay for the rest of the increases and 23% of Obama Care customers will have to pay the entire increase.
  • With so many insurers pulling out the Obama Care market, thousands of Americans now have to find other insurance companies which means that they may have to change their doctors and hospitals….again.
More of the same again to start today: higher premiums, higher deductibles, more stress.

2) We have already talked about how many insurance companies have dropped out of the Obama Care marketplace or significantly reduced their presence, including UnitedHealthcare, Humana, Blue Cross in certain states, and Anthem. Ali Meyer, writing for the Washington Free Beacon on November 3, 2016, discussed how another large company is rethinking their Obama Care strategy:

  • Cigna will not expand its Obama Care footprint as previously planned.
  • The insurer lost $91 million on its Obama Care policies in a single year.
  • It will still sell Obama Care policies in seven states but will not expand to other states with Cigna CEO David Cordani saying that his company is taking a “cautious and slow” approach to selling Obama Care policies.
  • The company had originally planned to expand into three other states in 2017 but decided not to.
Another day another insurance company getting cold feet relative to Obama Care. So much for Obama Care increasing competition as promised by Obama. If anything, it is suppressing competition.

3) Let’s continue to pile on the misfortunes of Obama Care, as discussed in an October 31, 2016 Heritage Foundation article by Edmund Haisimaier and Alyene Senger:

  • 66% of the states, 33 in total, will have fewer Obama Care insurers offering coverage in 2017 vs. 2016.
  • Arizona and Texas will each be losing six insurers and Kentucky and Ohio will be losing four insurers in 2017.
  • Alabama, Alaska, Oklahoma, South Carolina, and Wyoming will have only one Obama Care insurer for the entire state.
  • Thirteen other states will have only two insurers to serve the entire state and in some states those insurers will not be serving the entire state.
  • Almost one third of all U.S. counties, 32.8%, will have only one insurer available and 35.9% will have only two options.
  • The Obama administration has admitted that Obama Care premiums will increase by an average of 25% in the 39 states that the Obama Care Federal exchange is in use.
  • And while 25% looks really bad for a year over year increase, “residents of 10 states using the federal exchange face average premium increases of 40 percent or more: Alabama (58 percent), Arizona (116 percent), Illinois (43 percent), Kansas (42 percent), Montana (44 percent), North Carolina (40 percent), Nebraska (51 percent), Oklahoma (69 percent), Pennsylvania (53 percent), and Tennessee (63 percent)." 
  • In at least one state running its own exchange (Minnesota) premiums are increasing by a similar rate (56 percent).
So, millions of Americans will either see great increases in their Obama Care premiums and deductibles in the coming months or they will be in the market for another health insurance policy once they find out that their insurance company is leaving their state. Not quite the great legislation that Obama promised.

4) Sharyl Attkisson, a former CBS journalist and one of the few journalists in this country with a sense of integrity, recently did an interview for the Heritage Foundation with Robert Laszewski, someone she describes as a “policy and advisor analyst for the health insurance industry.” An important excerpt from her interview is included below, with my emphasis added:

Laszewski: The future is not good. The fundamental problem is not enough healthy people have signed up to pay for the sick, and not enough healthy people have signed up because the insurance plans that people are being offered just simply aren’t of good value.

Attkisson: What do customers see as wrong with the insurance product?

Laszewski: The insurance products consumers see are still too expensive in terms of premium. And the deductibles and copays are too high.

Attkisson: Can you explain in simple terms how the insurance companies are losing so much money if they’re charging so much for premiums and if deductibles are so high?

Laszewski: It’s real simple. If you only provide a health insurance plan that the sickest people buy, you can’t charge enough. You can never charge enough.

Attkisson: At it’s core, it was supposed the provide affordable insurance for everybody who needed it.

Laszewski: Yes. The Affordable Care Act was supposed to ensure that whether you were employed or unemployed or self-employed, you would have access to affordable health insurance. For someone who’s not getting a subsidy, who’s paying the full cost of the insurance, it’s likely they are now paying about double what they paid before under the old market, where only healthy people could get in.

A bad piece of legislation that keeps getting worse and worse: less competition, higher premiums, higher deductibles. More unfolding disasters tomorrow.


Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:


www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:


http://www.reason.com
http://www.cato.org
http://www.bankruptingamerica.org

http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w








Thursday, July 21, 2016

July, 2016, Part 2, The Unfolding Disaster That Is Obama Care: More Failing Co-ops And More Denials Of Failure Realities From The Obama Administration

Earlier this month we did a single post on the unfolding disaster that is Obama Care. We have been doing this theme for years and years where we have been constantly amazed and depressed about how much havoc this poor piece of legislation has rained down on Americans and how much of a medical, insurance, economic, and operational disaster it has been. We did mention at that earlier post that we only had to devote one day of discussion to the disaster this month vs. the multiple days we have had to do just about every other month for the past four years.

But apparently we spoke too soon. In just the few days since we did that solo post, a number of other Obama Care disasters have hit the fan that we should discuss before next month rolls around. So here goes, with the typical introduction of missed root causes that we always preface our unfolding Obama Care disasters with.

*********************

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements its rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:
  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused insurance premiums, deductibles and co-pays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care., To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

This week we will be reviewing the latest unfolding disasters from the worst piece of legislation ever written by Washington:

1) Obama Care co-ops were supposed to be marketplace based competitors in the geographic areas in the country that did not have a lot of competitors offering health insurance policies to Americans. They were seeded with over $2 billion of taxpayer wealth and set off to compete in the world.

Twenty three co-ops were eventually launched, providing health insurance policies to hundreds of thousands of Americans. However, there was a problem. Most of them were dismal financial failures. Since the Obama Care legislation demanded that all insurers take on any and all customers, regardless of their pre-existing health, and given that Obama Care never addressed the root causes of high healthcare costs as listed above that would have reduced the nation’s health care costs, the co-ops were swamped with high cost customers whose premium payments could not cover their operating costs.

The last time we had checked in with the co-ops, 15 of them had already gone belly up financially, stranding hundreds of thousands Americans without health insurance coverage and burning up over a $1 billion of taxpayer wealth with nothing to show for it in return. And according to Toni-Anne Barry, writing for the Americans For Tax Reform website on July 13, 2016, the Illinois Obama Care co-op recently went bankrupt also, the 16th co-op out of 23 to do so.

Details of this failure including the following:
  • 49,000 customers of the Illinois Obama Care co-op are now without health insurance coverage.
  • The Illinois co-op and the other failed 15 co-ops have cost the American taxpayer at least $1.7 billion so far.
  • The Illinois co-op lost a whopping $90 million in 2015 and in an odd twist of irony and lunacy is suing the Federal government because of the Obama Care legislation, the same legislation that formed and funded the co-op in the first place.
  • The article cites a Daily Caller article that showed the while co-op executives were raking in salaries that were often multiple times higher than the average health insurance executive salaries, many of these high paying co-op executives had little or no experience in the health insurance industry.
  • 21 out of the 23 original Obama Care co-ops lost money in 2015, i.e. Illinois may not be the last one to go down in ruins.
A list of all failed co-ops and their cost to taxpayers as compiled by the House Energy and Commerce Committee is found below:
  • CoOportunity Health - Iowa and Nebraska: Cost: $145,312,100
  • Louisiana Health Cooperative, Inc.: Cost: $65,790,660
  • Nevada Health Cooperative: Cost: $65,925,396
  • Health Republic Insurance of New York: Cost: $265,133,000
  • Kentucky Health Care Cooperative - Kentucky and West Virginia: Cost: $146,494,772
  • Community Health Alliance Mutual Insurance Company - Tennessee: Cost: $73,306,700
  • Colorado HealthOp: Cost: $72,335,129
  • Health Republic Insurance of Oregon: Cost: $60,648,505
  • Consumers' Choice Health Insurance Company - South Carolina: Cost: $87,578,208
  • Arches Mutual Insurance Company – Utah: Cost: $89,650,303
  • Meritus Health Partners – Arizona: Cost: $93,313,233
  • Consumers Mutual Insurance – Michigan: Cost: $71,534,300
  • InHealth Mutual – Ohio: Cost: $129,225,604
  • HealthyCT – Connecticut: Cost: $127,980,768
  • Oregon Health’s CO-OP – Oregon: Cost: $56,656,900
  • Land of Lincoln Health – Illinois: Cost: $160,154,812
Total Taxpayer Dollars Lost -  $1,711,040,390

These costs obviously do not include the costs and risks that hundreds of thousands of customers of these failed co-ops endured as a result of this unfolding disaster.

2) Let’s stay with failing co-ops for the second topic today and focus on a Washington Free Beacon article by Ali Meyer from July 14, 2016. She points out that not only have 16 out of the original Obama Care co-ops gone out of business already but 6 of the remaining 7 are on the financial results critical list. 

Kevin Counihan, who is a top executive within the Centers for Medicare and Medicaid services, the organization that operates Obama Care procedures, recently testified before Congress that of the seven co-ops that are still in operation, six have been placed on “corrective action plans.” This means that these co-ops have at least one major problem in the areas of financials, operations, compliance, or management effectiveness. 

When asked during his testimony how many of the remaining 7 co-ops were profitable, Counihan gave the following ridiculous answer: “Profitability very much can depend on the month.” Really, if a co-op was a financial wreck for eleven months and barely made a profit for the twelfth month, would one then say that it “depends on the month?” Stupid, elusive, bs answer.

But inane Counihan answers still followed to other questions from members of Congress. Congressman Jim Jordan, who predicts that all 23 co-ops will eventually fail, asked: “Would it be a complete failure if every single co-op you guys authorized just two years ago failed? We all know that’s where it’s headed—16 have already failed, the seven left, six are on corrective action plans, they’re going to fail too so when all 23 fail would that be a complete failure?”

Counihan responded with this elusive non-answer: “I think it underscores how tough this business is.” How tough the business is or how bad an idea the co-op option was from both a management and financial perspective?

Congressman Jordan: “It seems by definition if 23 out of 23 fail, you should be able to say that of course by definition is a complete failure.”

Another nonsensical Counihan answer: “The co-op program has provided more choice, it’s provided more competition. It’s helped consumers in a variety of different states, given them opportunities that they may have not had before.” You cannot provide competition when you have already gone out of business just a few years into the venture. The choices in sixteen states with failed co-ops are already gone, the competition they would have provided is already gone. What a nonsensical stupid answer, a denial of what failure looks like.

3) One last update on the unfolding disasters of Obama Care for today, more to follow tomorrow. Remember how Obama constantly promised that the annual health insurance costs for an average American family could go down by up to $2,500 a year? How Obama Care was going to “bend the health care cost curve” in the country and reduce everyone’s health care costs? Numerous times in this series of Obama Care posts we have shown with actual government and insurance industry data how both of those claims are either outright lies or incredibly stupid statements that show how out of touch Obama was with reality.

Ali Meyer, writing for the Washington Free Beacon on July 18, 2016 shows how out of touch with reality these boasts and claims were. A recent analysis by the Centers for Medicare and Medicaid concluded that the nation’s total health care expenditures will hit a record $3.35 TRILLION in 2016. This is up 4.8% over 2015, six years after Obama Care was enacted and more than twice the rate of inflation. In addition, for the first time ever, the annual national cost for healthcare is over $10,000 for every American.

Going forward, the Centers’ analysis predicts even worse financial results:
  • Annual average increases in health care spending will average a whopping 5.8%.
  • This will be far higher than the expected annual rate of inflation and certainly higher than the expected growth in the overall economy which has never had a sustained growth rate anywhere close to 5.8%.
  • Health care spending represents 17.5% of the economy today but will grow to 20.1% of the economy by 2025.
So much for reducing annual health insurance costs by $2,500 or bending the cost curve. Of much like the blather from Counihan above, Andy Slavitt, the acting head of the Centers for Medicare and Medicaid, tried to spin his own organization’s bad news top make it seem like a victory: “The Affordable Care Act continues to help keep overall health spending growth at a modest level and at a lower growth rate than the previous two decades. This progress is occurring while also helping more Americans get coverage, often for the first time...As we look to the future we must continue our efforts that keep people healthy, providing access to affordable, quality care, while spending smarter across all categories of care delivery.” Such nonsense in light of what was promised and what his own organization found out in their analysis.

Nathan Nascimento, senior policy adviser to Freedom Partners, had a much more reality based view of the findings from the report, without the spin of Slavitt: “It’s absolutely insulting for this administration to say that the Affordable Care Act is keeping the growth rate for health spending at a ‘modest level. While this administration continues to turn a blind eye to the harmful impacts of this failed law, the reality is that health spending is now projected to represent one-fifth of our country’s total GDP in less than a decade. At a time when our national health spending now tops $10,000 per year for every living person, the truth is plain to see—there’s nothing affordable about the Affordable Care Act.”

There you have it for today. More co-ops dying on the vine, wasting millions and and millions of taxpayer money and cancelling health insurance coverage for hundreds of thousands of Americans and Obama administration mouthpieces that deny the numbers that are right in front of them: the co-ops are a failure and health care costs keep going up, the “cost curve” has NOT been bent as promised. More unfolding disasters tomorrow.



Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:


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It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

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Sunday, January 24, 2016

January, 2016, Part 2, The Unfolding Disaster That Is Obama Care: An Insurer Cashes Out, Obama Causes Healthcare Costs To Rise andMOre

Every month for years now we have had to discuss how bad Obama Care is turning out to be under the continuing theme, “the unfolding disaster that is Obama Care.” This month is no different. As the legislation continues to march through America, driving up health care and health insurance prices as it serves as dead weight on economic growth, it cements it rightful place as the worst piece of legislation Washington has ever produced.

It never had a chance to be successful since it really never addressed the underlying root causes of our ever increasing health costs in the country:
  • Americans eat too much of the wrong kind of food, resulting in obscenely high obesity rates for the country.
  • Our food chain is infested with overdoses of high fructose corn syrup, salt, and other unhealthy additives.
  • Americans smoke too much.
  • Americans do not exercise enough.
  • The country is in serious need of health care tort reform.
  • Barriers to insurance company competition across state lines need to come down.
  • Obama Care never “followed the money” to find out who is actually profiting from the ever escalating healthcare costs in this country and how to get those factors under control.
  • Obama Care never got the immense amount of fraud and abuse in current government healthcare programs, Medicare and Medicaid, under control in order to save money to efficiently fund other government health care initiatives.
  • Obama Care never put serious research money towards curing the major diseases that drive high healthcare costs such as high frequency cancers and dementia type diseases.
You cannot resolve any problem unless you understand and address the underlying root causes. No difference here but with a big exception: Obama Care legislation never addressed these listed root causes and thus, has no chance of ever being successful.

But it is not just missing the root causes of our healthcare costs that makes Obama Care so horrible. It resulted in millions of Americans losing access to their favored doctors, hospitals, and insurance policies. It has caused deductibles and co-pays to escalate substantially. It will likely add trillions of dollars to the national debt. It has exposed millions of Americans to higher than necessary identity theft chances. It has created government bureaucracies that are wastefully spending taxpayer wealth and being exploited by criminal elements. It has stifled economic growth and job creation.

These are just a sample of the types of idiocy that we have been reviewing for the past several years in this blog relative to Obama Care., To read those past posts, just enter the phrase, “the unfolding disaster,” in the search box above.

For the next several days we will be reviewing the latest unfolding disasters from the worst piece of legislation ever written by Washington:

1) First Unitedhealthcare announced that it was seriously considering stopping its selling of Obama Care policies because of the unprofitability of such policies. But the bad news is that a real Obama Care insurer is actually taking the real step of actually getting out of the Obama Care business. 

Cleveland based HealthSpan insurance company recently announced that it would no longer sell Obama Care policies, it is disbanding its doctor network, and told its brokers to stop paying commissions. The company raised its premium rates for 2016 policies from 9% to 32% since it’s Obama Care policy holders were less healthy than expected. In addition, the law required the company to pay over $17 million into Obama Care’s risk adjustment program in 2014, more than what had been planned for. HealthSpan also laid off a number of employees that were servicing Obama Care policies.

This comes on the heels of Unitedhealthcare stating they were thinking about exiting the Obama Care world after losing almost half a billion dollars on Obama Care policies. Ana Gupte, an analyst for Leerink Partners, told investors that she expected Unitedhealthcare and other insurers would leave the Obama Care market if they could not break even by the first half of 2016. 

She said that she believes the Obama administration could make changes to the law. This opinion is especially funny since the Republicans, none of whom voted for the law, now control both houses of Congress so the chance of changes is absolutely zero.

2) Avik Roy, writing for Forbes on December 6, 2015, did a comprehensive review of where Obama Care is today:
  • The Obama administration’s Centers for Medicare and Medicaid Services (CMS) recently released its official estimates of the uninsured population and of health spending in the U.S.
  • In 2014, Obama Care’s expected expansion fell millions and millions of people short of enrollment goals.
  • Despite its goal of reducing healthcare costs in the country, it drove health care costs higher by the highest rate in 7 years. 
  • The legislation has reduced the number of uninsured Americans by only 2.7 percentage points.
  • Back in 2010, the law was expected to have enrolled 19 million uninsured Americans into Obama Care policies by 2014 and 30 uninsured million by 2016.
  • However, in late 2105, CMS admitted that from 2010 to 2014 the number of uninsured fell by only 12.6 million.
  • And Mr. Roy contends that 2010’s uninsured rate was artificially higher due to the Great Recession and if you use 2008 as the baseline prior to the effects of the recession, the number of uninsured Americans actually fell by only 6.7 million.
  • Thus, all of the agony of millions of people losing access to their current doctors, policies, and hospitals, all of the billions and billions of dollars spent on setting up Obama Care processes, co-ops, exchanges, and bureaucracies, all of the taxes and fees that have stunted economic growth in this country, all of that has reduced the percentage of Americans without insurance by only 2.7% and has left all of the root causes of ever rising healthcare costs intact.
  • This meager improvement in the uninsured rate is far smaller than expected and promised by Obama.
  • And as premiums and deductibles and co-pays go up and insurance companies actually leave the Obama Care world, the pipe dream of getting to 30 million enrollees gets more and more unlikely.
  • A set of economists and statisticians at CMS recently stated in the “Health Affairs” publication that the country’s 2014 spending on healthcare grew at an annual rate of 5.3%, the highest rate since 2007.
  • These economists and statisticians attributed the accelerating cost of healthcare to, wait for it, the passage of Obama Care: “The return to faster growth was largely influenced by the coverage expansions of the Affordable Care Act.” 
  • In other words, this is another Washington effort that actually did the exact opposite of what it was supposed to do, rather than reduce rising costs it contributed to the acceleration of rising costs according to people actually in the Obama administration.
  • Even more distressing was that the accelerated spending in healthcare costs was especially high within the Medicaid program, going up 11.0%. Since Medicaid expansion is a major component of Obama Care, an 11.0% annual increase is a major factor why Obama Care is directly responsible for the overall increase in the nation’s healthcare cost increases.
If we go by the numbers, as Mr. Roy did, there can be no doubt that Obama Care is a failure across the board relative to its original goals. It did NOT reduce healthcare costs, it appears to possibly even accelerated their rise and it did not come close to hitting its expected enrollment goals, missing those goals by millions of enrollees.

3)We will finish today’s post as we have done many other times when discussing Obama Care with some real life stories of how this law has negatively affected real Americans and their families. These examples come from the website, www.ourhealthcarestories.com which has compiled some of these heartbreaking stories of real Americans being forced to adjust their lives due to the stress that Obama Care put on them:

GRETA - WYOMING: Sen Enzi: In Wyoming alone, there are over 2,600 people who are losing health care coverage they like. I have received numerous letters from my constituents illustrating the scope of this problem. Greta from Laramie is one of them. Greta is in graduate school and paying for tuition out-of-pocket. She had the university's student BlueCross BlueShield insurance plan. In September, her husband and two daughters received notice that their family insurance policy was gone. They were happy with their coverage. Greta said their plan had very good coverage of maternity and well-child visits, low deductibles, and an affordable monthly premium. Her family can't afford a new health insurance plan which, according to her, ``costs more and gives me less.'' That is what we are facing as a Nation: Health care plans we can no longer keep and broken promises from the White House.

ROSE - PENNSYLVANIA: I can not believe what has happened to my health insurance at work. Last year it cost me about 85.00 a month with 80% coverage. This year it doubled! I now pay 171.00 and for less coverage, as with a very high deductible! When I went to the Doctors just recently, they paid only 0.896 cents. Last year they covered the cost at 80%, so I do not know how they calculate or what my deductible is! I have to get blood work done, sure it will cost a lot more this year! When I called my benefits office they claim it's because of the new laws. Tried to cancel my insurance due to the fact I can not afford to pay them, and they claim company policy I can not unless I have a different insurance or leave the job. Why shouldn't I be able to get rid of something I can not afford?

KYLE - ARKANSAS: My plan was not cancelled, it was transitioned to meet the new ACA requirements. The same plan that I had before, now costs me $70 more a paycheck. I have a family of 4, including 2 kids. I went from $204 a paycheck to $274 a paycheck. I get paid 2 times a month so that's $140 a month or $1,680 a year. That's money that would have been spent in the local community on buying goods and services. This figure does not include the slightly increased co pays when I go to the dr or the additional costs for prescriptions. I thought the ACA was going to save me $2,500 a year?

That will do it for today. High costs, lower enrollment, unkept promises, and family heartaches. Sounds about right for the unfolding disaster that is Obama Care. More disasters tomorrow.



Our book, "Love My Country, Loathe My Government - Fifty First Steps To Restoring Our Freedom And Destroying The American Political Class" is now available at:

www.loathemygovernment.com

It is also available online at Amazon and Barnes and Noble. Please pass our message of freedom onward. Let your friends and family know about our websites and blogs, ask your library to carry the book, and respect freedom for both yourselves and others everyday.

Please visit the following sites for freedom:

Term Limits Now: http://www.howmuchworsecoulditget.com
http://www.reason.com
http://www.cato.org
http://www.bankruptingamerica.org

http://www.conventionofstates.com
http://www.youtube.com/watch?v=08j0sYUOb5w