Ohio Governor On Obamacare

Thank you, Governor!!

http://talkingpointsmemo.com/news/kasich-obamacare-repeal-not-gonna-happen

Heard once again that Obamacare has continued to decrease the cost of medical services....as more and more people sign up for insurance, it will decrease costs due to competition..

Obamacare Customers Afraid to Use Benefits Due to Sky-Sigh Deductibles
by JOHN HAYWARD 18 Oct 2014 240 POST A COMMENT
It must have pained the New York Times to publish its article about how many ObamaCare customers fear to make use of their taxpayer-subsidized, hyper-regulated benefits because the deductibles are so high. It's a devastating indictment of the Affordable Care Act, cutting deep into the very small number of Americans who actually find the ACA somewhat useful.
Not only does ObamaCare have low approval ratings from the American public at large, it doesn't even score well among the group it was nominally intended to benefit most directly, the uninsured. We hear a lot from ObamaCare defenders about how all of the expense, confusion, and abject failure of the program are worthwhile, because some number of people who formerly lacked insurance now have it. That argument drifts into the stratosphere of lunacy once a rational observer backs out the number of "newly insured" who are actually enrolled in the ancient, insolvent, and inadequate welfare program known as Medicaid, and computes the cost per person who picked up real health insurance due to the ACA - it would have been far cheaper to simply hand each of those people a card that says "get all the medicine you want from any doctor you want, free, for life."
And now we see vindication of a point made long ago by ObamaCare critics: not only are insurance premiums rising at least as much as they would have without the trillion-plus dollars sunk into ObamaCare - and absolutely skyrocketing because of the ACA in many parts of the country - but even among those who receive enough subsidy money from the rest of us to offset the high premiums, killer deductibles make their coverage much more expensive in practice, to the point of rendering them virtually useless:
Patricia Wanderlich got insurance through the Affordable Care Act this year, and with good reason: She suffered a brain hemorrhage in 2011, spending weeks in a hospital intensive care unit, and has a second, smaller aneurysm that needs monitoring.
But her new plan has a $6,000 annual deductible, meaning that Ms. Wanderlich, who works part time at a landscaping company outside Chicago, has to pay for most of her medical services up to that amount. She is skipping this year’s brain scan and hoping for the best.
“To spend thousands of dollars just making sure it hasn’t grown?” said Ms. Wanderlich, 61. “I don’t have that money.”
About 7.3 million Americans are enrolled in private coverage through the Affordable Care Act marketplaces, and more than 80 percent qualified for federal subsidies to help with the cost of their monthly premiums. But many are still on the hook for deductibles that can top $5,000 for individuals and $10,000 for families — the trade-off, insurers say, for keeping premiums for the marketplace plans relatively low. The result is that some people — no firm data exists on how many — say they hesitate to use their new insurance because of the high out-of-pocket costs.
Insurers must cover certain preventive services, like immunizations, cholesterol checks and screening for breast and colon cancer, at no cost to the consumer if the provider is in their network. But for other services and items, like prescription drugs, marketplace customers often have to meet their deductible before insurance starts to help.
While high-deductible plans cover most of the costs of severe illnesses and lengthy hospital stays, protecting against catastrophic debt, those plans may compel people to forgo routine care that could prevent bigger, longer-term health issues, according to experts and research.
Among other things, this means people are still using "cost-shifting" tactics to get "free" care at emergency rooms, which was one of the major problems ObamaCare was supposed to address. In fact, there have been studies showing the abuse of emergency rooms has gotten worse since the ACA was passed.
We could have passed any number of sensible reforms to provide more affordable access to preventive services, and help people arrange for catastrophic coverage, without the rest of ObamaCare's monstrous, expensive, and Constitutionally dubious machinery. The situation described by the Times article is not much different from the conditions that already existed before ObamaCare - it's risible for them to talk about "high-deductible plans covering most of the costs of severe illnesses and lengthy hospital stays" as if that were a feature of Obama's boondoggle, since that kind of coverage was already available, at more reasonable cost, before the ACA came along. That's pretty much what insurance was, before Obama got hold of it. This is all about turning "health insurance" into a welfare scheme, getting the middle class hooked on Big Government subsidies (without which they can't afford Obama's super-expensive insurance at all), creating vast new government agencies, and infecting the insurance industry with a fiscal virus that will kill it off in a few years, paving the way for single-payer socialized medicine.
Now, how's the already bleak picture of 7 million Americans with highly subsidized insurance they can't afford to use going to look after the subsidies provided through the federal HealthCareDotGov exchange are ruled unconstitutional, and the true enrollment numbers are revealed, showing there aren't actually 7 million enrollees anyway? Quite a few of them have dropped out, or been found invalid, over the past year. What's the cost per "newly insured" American, with insurance she can't afford to use because of the deductibles, going to look like then?



Yep, Obamacare is just wonderful.

News Pigeon wrote:Heard once again that Obamacare has continued to decrease the cost of medical services....as more and more people sign up for insurance, it will decrease costs due to competition..

So true, and a $6 thousand deductible is much more manageable than a $1 million bout with cancer!!

IF Obamacare is so great and saving so much money...then why do we have to until after the election to see the new Obamacare premiums?

IF Obamacare is so great and saving so much money...then why do we have to until after the election to see the new Obamacare premiums?

You do realize that it's insurance companies that  set the prices, not the president.... right??
It appears that average rates will increase about 2.5% to 6% next year, that's less than most years.

Dire warnings by Obamacare opponents of dramatically higher insurance premium prices in 2015 are not being borne out nationally, according to new data showing proposed prices are rising moderately, on average, nationally.

While the single-digit average price increases, coupled with a rise in the number of insurers selling Obamacare plans for next year, suggest enrollment could remain fairly strong in the new form of insurance in the short term, questions remain about relative price stability over the long term.

Six states and the District of Columbia already issued approved rates for individual insurance plans in 2015, and the average premium is rising just 2.5 percent, PricewaterhouseCoopers found in its updated report. These plans go on sale Nov. 15.

The average premium in those states—across different price tiers and ages—would be $327 per month. But that average doesn't reflect the effect of federal subsidies that about 85 percent of Obamacare enrollees receive. Those subsidies, which are based on income, can substantially cut actual payments.

And in the 38 states and D.C. that have finalized rates or released proposed rates for such plans, the average premium would rise 6 percent, PwC said. The average premium would be $382 per month, before subsidies are factored in.

Just one state so far, Louisiana, has reported that rates are proposed to rise more than 10 percent. Cajun State residents are faced with an average proposed premium hike of 15.3 percent for individual plans.

At the other end of the spectrum are Oregon's finalized rates, which are 2.5 percent lower than that state's 2014 premiums.

"I think it's probably coming as a relief to many that we're not seeing double-digit rate increases," said Ceci Connolly, managing director of PwC's Health Research Institute. "I think that the worries about excessively high costs and prices have not materialized."

Connolly said the 6 percent average tracks "very closely what the average [premium increase] is in in the employer-based market," which is where most Americans get health coverage. And that average is 2.2 percentage points lower than what PwC found when it first began tracking proposed rate hike disclosures in states in mid-summer, she said.

http://www.cnbc.com/id/102055144#.

News Pigeon wrote:You do realize that it's insurance companies that  set the prices, not the president.... right??

You do realize that it's Obamacare that sets the guidelines and the rates are adjusted by the insurers accordingly.


Every plan offered by private insurers must be approved by a government agency, either a state insurance commissioner or DHHS.

When the government subsidizes so many policies…

When insurance companies must extend preexisting condition coverage to everyone…

Without denials…

Without a lifetime cap…

With premium differential limit…

How could anyone believe the costs would go down?

You are obscuring the FACT the rates are being delayed. Obama and the Democrats are relying on the uninformed voters not realizing the trickery and deceit implicit in the change in date by the administration.

That's a rather simplistic way of explaining the regulations, here's the facts.
http://www.acscan.org/pdf/healthcare/implementation/background/NewFederalRatingRules.pdf

Here is the facts

...That is hysterical.

First you claim the rates are ONLY going up by 2.5-6%. Don’t you think if that was accurate, it would be posted on the Obamacare Website on October 1st? Every Democrat would be riding Obamacare to the polling stations.

Common sense tells you those are bogus numbers.

Then you claim the insurance companies are responsible for higher premiums and it’s not the fault of Obamacare. not Obama's fault.

If you make the NASA sized leap into the land of unicorns and jackalope (and in would also help to be unconscious), then how can you say Obamacare is a success as it obviously fails to protect the American consumer from the evil health insurance industry.

Of course we would all need to forget that:

1. Obama promised premiums would go down.
2. Every American would have more money in their pocket.
3. Healthcare cost will be less than your cellphone bill.

Increases were one of the complaints from the masses before Obamacare even launched and again, promised lower premiums.

Your post just underscores the misdirection, obfuscation and basic untruthfulness of the progressive movement.

Progressives no longer have any credibility. None

It's time to give it up. Liberals are done come November. It's over.

If you choose to willfully ignore the facts, there's not much more I can say except,  watch & see.....

It's time to give it up. Liberals are done come November. It's over

.
Todays poll numbers from RealClearPolitics....
Democrats         45
Toss Ups             9
Republicans           46

Outerlimits wrote:It's time to give it up. Liberals are done come November. It's over.

It's quite apparent you have no clue how our government works. If the Republicans win the Senate, and that's a big if, then they will require a 60 vote majority to get any legislation through. Remember the Filibuster? The Republicans, led by Mitch McConnell, used it in record numbers, and the Democrats will surely return the favor if they once again become the minority. Do you remember the veto? Any legislation that the Republicans could possibly muscle through (eg: reconciliation) will most assuredly be vetoed by President Obama. Remember the override? It would require a 2/3rds vote in both chambers to override a veto, and that ain't gonna happen! So, if the Republicans win the Senate we stay the course! As usual, Congress, controlled by Republicans, does nothing!!!

You should be worried about 2016, Outerlimits!!!

Pure fact............all of it!

2016 the Democrats win either way and Republicans are still in check!

Yep, the President will be the one man party of no. But he will have even more reason to blame Congress for not being able to get all his terrible ideas through them. Thankfully we WILL stay the course, since the Dems. lost the House, at least the President hasn't been able to push through all his liberal ideas that he wanted to. He got enough through to hurt this country, we don't need any more.

News Pigeon wrote:Pure fact............all of it!

2016 the Democrats win either way and Republicans are still in check!

You betcha, and they know it!!

News Buzzard wrote:

News Pigeon wrote:Pure fact............all of it!

2016 the Democrats win either way and Republicans are still in check!

You betcha, and they know it!!

yep, you can smell the desperation build with every new wild-eyed "conspiracy" they create.

"...The Journal argues that up-front costs have negated savings among the fraction of participants who received performance bonuses, meaning that the overall program is "at best" a wash -- and that's among HHS' hand-picked guinea pigs. A new report from Senate Budget Committee Republicans estimates that Obamacare will add $131 billion to federal deficits over the coming decade, representing another broken promise.

The study uses the CBO's methodology, but can't be attributed to the nonpartisan entity, which announced earlier this year that it had ceased trying to track the law's fiscal impact due to unpredictable, on-the-fly changes. Meanwhile, the New York Times profiles an Obamacare consumer who has discovered that her 'ACA'-compliant plan is severely lacking in the 'affordability' department:
http://townhall.com/tipsheet/guybenson/2014/10/21/obamacare-poll-n1907591

Mitch states the obvious:

http://www.politicususa.com/2014/10/31/mitch-mcconnell-admits-obamacare-stay-gop-captures-senate.html

Lowes (Hardware) is instituting robots in their stores to assist customers.

Why?

No health insurance.
No social security taxes.
No human resources support.
No vacation.
No coffee breaks.
No lunch break.
No union membership.
No shop steward.
No sick leave.
No vacation.
No maternity leave.
No FMLA.
No overtime.
No sexual harassment issues.
...and they can be depreciated !


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News Hawk wrote:Lowes (Hardware) is instituting robots in their stores to assist customers.

They'll come to their senses when they realize that if people don't have jobs, they can't shop in their stores...

News Pigeon wrote:

News Hawk wrote:Lowes (Hardware) is instituting robots in their stores to assist customers.

They'll come to their senses when they realize that if people don't have jobs, they can't shop in their stores...

Right! I wonder what Lowes will do with all of the robots after they close their stores!!