| Author | Message | ||
     Gowindward |
Received a letter from my health insurance company. Yet anther big increase in premium cost. Since the implementing of Ovomitcare my rates have increased over 60%...I have not had a single claim this year, and minimal last year. Seems it just keeps taking and taking...with it only going to get worse. http://www.wsj.com/articles/the-decline-of-obamaca re-1445807092 | ||
| Rick_a |
There's a couple hopeless folks I'm friends with on Facebook that are always "Obama is great...free this or that..." I try to explain that nothing is free and that there are deeper implications they are not realizing. That's usually met with silence. | ||
| Sifo |
Keep in mind that much of the cost of this program was designed to not kick in until BO was out of office. It's going to get worse. Much worse! | ||
| Fb1 |
http://www.libertyhealthshare.org/ | ||
| Aesquire |
There are a LOT of people ( not as many as anticipated, but a Lot ) who got "assistance" in paying for their mandated health insurance. A bunch of them are going to get a rude surprise when the assistance turns out to have been a loan that will be paid for out of their income tax refund. So for a few million Americans, the income tax refund that in years past has bought cars, paid credit cards, eased the burden of Xmas gifts.... won't be there. And they are going to find out when they get the check. Since for many it won't be spelled out on the short form. One little detail not covered by the mainstream Obama press, is that while a few million people that did not have insurance before Pelosicare, now do, a lot of that number are people who DID have insurance, had it taken from them by the Pelosicare law, ( like me ) and had to sign up for more expensive, less coverage, insurance. ( like me ) And fell under the numbers counted for Obamacare success. ( unlike me ) No one in the pro-authoritarian press is going to mention that there are "open seasons" for buying health insurance, and if you lose yours right after one, you have to wait months, or a year, to get some. Unless you are lucky enough to find a VERY expensive "tide me over" temporary policy. and if you miss the open season, reason matters not, you don't get coverage, and the IRS will fine you a tax that the President and the D Congressmen officially lied to you about. | ||
| Oddball |
Yep, it's all a big load. I had Blue cross tell me to take a hike many years ago. "Pre-existing Conditions" Which was funny cause they were fine with me for many years before when i had their insurance with work. As the company folded, i found the same coverage for about 1/3 less. No joy for me though. I've been self pay ever since. Each year policies are looked at to get the government monkey off my back but they all are going to end up costing more than it already does. Just massively overpriced catastrophic health is all it is. | ||
| Aesquire |
One of the reasons idontcare got passed is it is easy to demonize insurance companies. Bunch of bookies. Everyone hates them. Banks are easy to hate too. The deals made to create idontcare include massive bribes to Barry & the D's so the insurance companies would get you required to pay them your money, taking away your choice. Of course corruption at that magnitude is bipartisan. Some of the R candidates have received massive bribes from silicon valley to approve immigration bills to replace American workers with cheaper ones from abroad. So obviously screw you as long as rich guys pay big bribes. This is not new. Often when corruption hits this level the people, roused by "well intentioned" reformers, burn their leaders at the stake ( or take to the guillotine ) as the reformers take revenge, and start taking bribes just like the old guys. Usually murdering their loyal followers. After all, can't have all those reform minded revolutionary types around once you are the new establishment. I used to think I was cynical. Now I see I was optimistic. | ||
| Gowindward |
"The deals made to create idontcare include massive bribes to Barry & the D's so the insurance companies would get you required to pay them your money, taking away your choice." That is my believe too!! The insurance companies with new customers forced to give them money and the politicians that took money to make that happen are the only winners here. The American public are really taking it up the wazoo on this one. I looked at Liberty Health Share last year and decided to stay with my own self pay insurance that was NOT thru the health insurance exchange...which is a complete joke!!! Looks like I will be taking a stronger look at Liberty Health Share!!! | ||
| Macbuell |
The day the Insurance Companies jumped on board and started saying this was a good deal for us citizens was the day everyone with a brain should have realized it was a bad deal for us. My son has Autism. Since Obamacare my employer has significantly increased my out of pocket expense while removing any coverage for therapy for Autism. We were then forced to go through a broker and buy a secondary policy that covered those therapies because the therapy appointments are incredibly expensive. This policy itself was very expensive and had a deductible and you still had to pay co-pays. We have now been told that that policy has been canceled as have ALL PPO options. We will only be able to chose from HMO options and they will be much more expensive and restrictive. We will probably end up just paying out of pocket for therapies for my son and I am literally now at the point where I am teetering on the brink of being in a really bad spot financially ... and I make a decent living. I thought Obamacare was supposed to help people get the coverages they need. All it has done for me and my family is increase the expense three times over and make it harder for me to get the coverages I need for my son. Well ••••••• done you ••••••• assholes! | ||
| Fb1 |
I looked at Liberty Health Share last year and decided to stay with my own self pay insurance that was NOT thru the health insurance exchange...which is a complete joke!!! Looks like I will be taking a stronger look at Liberty Health Share!!! LHS has been good for/to us. I thought Obamacare was supposed to help people get the coverages they need. They lied, and lied, and lied, and lied... | ||
| Sifo |
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| Zac4mac |
I am about to go the "standard healthcare" route. Wife and I have been hand-to-mouth forever but now have "money in the bank". She's been on indigent care with the illegals and I've been going to the VA since 2010. Still don't know where we'll wind up, but it's really gonna change for us. I'm excited... not Still. i'd rather be a giver than a taker in this society. Gotta keep it right. Z | ||
| Ducbsa |
"ObamaCare expanded coverage in 2014 to the extent that it gave people free or nearly free insurance. " http://www.wsj.com/article_email/the-slow-motion-i mplosion-of-obamacare-1446417104-lMyQjAxMTA1ODA5Mj UwNDIzWj | ||
| Ducbsa |
http://www.americanthinker.com/blog/2015/11/how_ma ny_in_the_newsrooms_are_in_denial_about_obamacare. html | ||
| Reindog |
Obamacare was designed to fail as it is a stepping stone to Government Health Care an the rotting of the infrastructure is intentional. Why does this country do everything exactly wrong? Free ain't free. It is rather expensive. Just ask anyone whose premiums, copays, and deductibles have skyrocketed under Wonder. The larger reason is that the Progressives and the Alinskyites led by Obama and HClinton, are intent of decimating the middle class. Progressives want total centralized control just as their Soviet counterparts did last century. | ||
| Sifo |
Your Health Insurance Premiums Are About To Go Through The Roof -The Stunning Reason Why  | ||
| Aesquire |
http://www.nationalreview.com/article/426550/obama care-failures The fundamental problem with ACA is that under it, insurance ceases to be insurance. Insurance is a prospective financial product, one that exploits the mathematical predictability of certain life events among very large groups of people — out of 1 million 40-to-60-year-old Americans, x percent will get in car wrecks every year, and y percent will be diagnosed with chronic renal failure — which allows actuaries and the insurance companies that employ them to calculate premiums based on risk, thus funding the reimbursement of certain expenses incurred by the insurance pool’s members. Insurance is, by its very nature, always forward-looking, considering events that have yet to come to pass but that may be expected and, to a reasonable extent, predicted with some level of specificity. Under ACA, insurance is retrospective. ACA mandates that insurance companies cover pre-existing conditions, meaning events that already have happened, which renders the basic mathematical architecture of insurance — the calculation of risk among large pools of people — pointless. Insurance ceases to be insurance and instead becomes something else, namely a very badly constructed cost-sharing program. Not all cost-sharing programs are bad ideas. Medi-Share, for example, is precisely the sort of voluntary, privately administered mutual-aid program that could — and, I believe, will — end up displacing government-run health-care programs entirely. But Obamacare is a very different kind of beast: It creates a deeply perverse incentive structure by combining compulsory coverage of pre-existing conditions with a mandate that is enforced in theory more than in fact. The mandate is necessary to prevent the ruthless exploitation of the preexisting-coverage rules: If insurers have to cover you no matter what, then there’s no point in buying insurance — thereby sharing in the costs — until you are sick enough to need it. Which is why you are punished for not paying for insurance. | ||
| Hootowl |
Only if you're owed a tax refund. That's the only way they can collect the penalty. | ||
| Aesquire |
but....what if they take it out of your Earned Income Credit? True, middle class and richer Americans have a growing number of folk who decide to just pay the Roberts Tax. These folk sat down, did the math, and decided it's cheaper to pay the tax than Obey. How long do you think that can be allowed to happen before the Regime sees it needs more power to punish? Civil disobedience is a real threat to authoritarians. | ||
| Hootowl |
EIC is paid to you as a tax refund. So yes, they'd take the penalty out of that. The article says the penalty isn't really enforced to wit "a mandate that is enforced in theory more than in fact". So you're only forced to comply if you're dumb enough to over pay your taxes each month whilst simultaneously not buying insurance. I suspect folks have already figured out how to avoid the penalty. Unless they get EIC, in which case...screw 'em. Let them pay the penalty. EIC is income redistribution anyway. | ||
| Sifo |
What happens when the time comes to receive SS "benefits"? Will they get the penalty from you then? | ||
| Hootowl |
My understanding is that the law says (I know, what difference does that make?) it can only be collected from income tax refunds. | ||
| Ferris_von_bueller |
I have the top tier BCBS individual policy and my costs will significantly increase in 2016. The whole thing is a mess and beware of the "fix" Congress will be proposing. I don't trust any of them. | ||
| Sifo |
Our BCBS plan is being ended so we have to find a new plan. Now we find out that our local hospital is not going to accept any BCBS PPO plans. My doctor doesn't accept plans from the only other insurer in our state. I'm pretty well screwed.  Of course, the "fix" for this from the ones who created this clusterf*** is even more government involvement. Do their followers not see the insanity? | ||
| Sifo |
To make matters even worse, I tore up my knee about a month ago. I've been waiting to see how it heals up. It's not getting back up to spec on it's own, so will likely need some sort of surgery. I'm not sure I want to start the whole process with all the out of pocket expenses with the probability that I will have to switch doctors and hospitals somewhere in the middle of the whole process. "If you like your doctor, you can keep your doctor" my ass!  | ||
| Fb1 |
Sifo, have you checked out Liberty Health Share? They may be a viable option for you; there's a link up-thread. ^ I've also heard good things about Medi-Share, although I have no personal experience with them; from their site:
Source: https://mychristiancare.org/medi-share/ | ||
| Ducbsa |
Good news, Comrades! You’re now required to buy health insurance that you can’t afford! Also, the deductibles are huge. . . . http://www.bloombergview.com/articles/2015-11-03/c ost-of-cheapest-obamacare-plans-is-soaring | ||
| Ducbsa |
Reid and Pelosi see the light - http://thehill.com/policy/healthcare/259429-reid-p elosi-pushing-repeal-of-cadillac-tax As noted elsewhere, "You guys rammed it through on an abusive party-line vote, using “reconciliation” inappropriately to keep Scott Brown from stopping you. Eat it." | ||
| Sifo |
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| Figorvonbuellingham |
My insurance provider is lowering my monthly premiums....mind boggling isn't it? Wait for it.... They are raising my deductible and out of pocket expense from $2500 to $8,000. I'm sure the rest of the insurance industry will follow. |
