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Obamacare Will Become Reality: What Does it Mean for You? (Premiums Up and Up)
Yahoo ^ | November 13, 2012 | Kevin Chupka

Posted on 11/13/2012 4:52:03 PM PST by C19fan

Despite uncertainty surrounding the fiscal cliff and whether or not President Obama can make "compromise" a theme of his second term, one thing is for certain: the Affordable Care Act, widely referred to as "Obamacare" is going to take effect. The lion's share of the law is to be implemented on January 1, 2014. The major tenets that will impact Americans include the individual mandate and the pre-existing conditions clause that will not allow insurers to refuse coverage to anyone, even if they are in poor health.

.........................................................

And once the law actually goes into effect it's the pre-existing conditions provision that has the potential to do a lot of damage to the consumer, according to Funtleyder. He says it is "likely insurance companies will raise premiums on everybody, given the mandate, to deal with the number of pre-existing conditions that come into the fold." And that is one of the many key criticisms of the plan: little to no direct cost-control.

(Excerpt) Read more at finance.yahoo.com ...


TOPICS: Business/Economy; News/Current Events
KEYWORDS: health; insurance; obamacare
Where were these article before election day???
1 posted on 11/13/2012 4:52:14 PM PST by C19fan
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To: C19fan

Since I only use the Veterans Affairs hospital system, I don’t think ObamaCare affects me or those like me. Or am I wrong?


2 posted on 11/13/2012 4:56:01 PM PST by 2ndDivisionVet (You cannot invade the mainland United States. There would be a rifle behind every blade of grass.)
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To: C19fan
Now this REALLY pisses me off.

The media bottom feeders were as quiet as church mice until it was too late to stop it. Now come articles expressing concern.

I'm just waiting for the power to go out and the riots to start. I know right where I'm headed.

3 posted on 11/13/2012 4:56:17 PM PST by skeeter
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To: C19fan

expect longer waits and less health care. There will be a point in time when there is no health care in this country. Learn to take care of yourself.


4 posted on 11/13/2012 5:00:56 PM PST by jyro (French-like Democrats wave the white flag of surrender while we are winning)
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To: C19fan

Where were Romney’s advisors?


5 posted on 11/13/2012 5:02:49 PM PST by ReaganGeneration2
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To: C19fan
Everybody agrees that unnatural monopolies are a bad deal for the consumer, yet half those people believe that unnatural government monopolies are a good thing.

How does that work?

6 posted on 11/13/2012 5:04:13 PM PST by E. Pluribus Unum (Government is the religion of the psychopath.)
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To: C19fan
It means rationing. It means that my wife and I at sixty will not get medical care when we really need it. I know how I will handle it.
7 posted on 11/13/2012 5:04:13 PM PST by Nuc 1.1 (Nuc 1 Liberals aren't Patriots. Remember 1789!)
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To: C19fan

Note to self: See doctor ASAP. Then take care of myself from here on out...next 20 years.


8 posted on 11/13/2012 5:04:24 PM PST by madison10
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To: 2ndDivisionVet

My brother is a doctor at a VA hospital. He does not think it will change much for VA doctors or patients unless funding gets diverted. For regular doctors you have huge new government agencies to be paid. Prices will go up. Payments to doctors will go down. Malpractice lawsuits will go up. No one will want to be a doctor and doctors will retire in huge numbers. Citizens will be paying a huge amount for care that will be heading toward nothing.


9 posted on 11/13/2012 5:04:54 PM PST by MtnClimber (I did not vote for Zer0. Someone else did that.)
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To: C19fan

I did my annual open enrollment yesterday. Premiums up, deductibles up, max out of pocket up.


10 posted on 11/13/2012 5:06:20 PM PST by socal_parrot (I hate to say I told you so, but...)
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To: C19fan
the Independent Payment Advisory Board, otherwise called by its acronym "IPAB" or more commonly the death panel. This provision puts 15 bureaucrats in charge of deciding where to cut costs and funding for certain health care services.

This was actually a brilliant move. Reducing the life span improves the financials of Soc Sec and Medicare AND more quickly kills off old white people who tend to vote Republican.

They've already advised against prostate cancer testing, thankfully I found mine this year.

11 posted on 11/13/2012 5:09:20 PM PST by nascarnation (Baraq's bankruptcy: 2016)
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To: 2ndDivisionVet

don’t know, do you use tri care? http://www.freerepublic.com/focus/f-news/2935857/posts


12 posted on 11/13/2012 5:11:31 PM PST by tickles
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To: nascarnation
This was actually a brilliant move. Reducing the life span improves the financials of Soc Sec and Medicare AND more quickly kills off old white people who tend to vote Republican.

Exactly. I have been saying for ever since it was voted in.

13 posted on 11/13/2012 5:17:25 PM PST by notpoliticallycorewrecked (Our military does not kill babies, those that commit abortion kill babies.)
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To: 2ndDivisionVet

Oh it will.. it will push others that can use the VA but are currently using other insurance in to the line with you at the VA.


14 posted on 11/13/2012 5:19:28 PM PST by cableguymn (The founding fathers would be shooting by now..)
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To: C19fan
Photobucket
15 posted on 11/13/2012 5:22:28 PM PST by FlingWingFlyer (One Flew Over The Cuckoo's Nest)
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To: 2ndDivisionVet
Not sure.
I'm going to guess it may depend on what is going to be cut from the DOD.
Chances are high that the VA will take a large hit.
After all, all you “selfish veterans” have been hoarding government provided medical care for yourselves...time to open up the VA for qualified Medicaid patients, right? /sarcasm//

Think about it.
I have an unused VA homebuyer certificate.
Before Congress decided to twist the housing market “to be fair to poor people”, a VA chit was a benefit only a veteran could use for a zero or low down payments, no mortgage insurance required,new homeowner loan backed by the feds.

Do you really think the VA medical system, such as it is, is immune from any major changes when our entire healthcare system is being nationalized? ROTFLMAO!

Yes, I do think you are wrong.

16 posted on 11/13/2012 5:23:38 PM PST by sarasmom
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To: C19fan
There has to be some "loophole" in the 2700 pages, written by morons, passed by morons and supported by morons...which will be a way out for everybody. It is the same with all bad, destructive legislation...there WILL be a way out.

...what IS going to be a hoot is when all the brothers who have no clue what is about to come down finds out that they "must" buy health insurance, or pay up.

...this just could be the "loophole" that extracts us all...riots by the moron brothers when they are hassled by an IRS agent trying to make them comply.....

17 posted on 11/13/2012 5:23:48 PM PST by B.O. Plenty (Give war a chance.....)
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To: C19fan

Many horrible things are reality: Rape, murder, slavery, ObamaCare, and the like. That does not mean I have to lie back and accept those things, enjoy them, or celebrate them. They all exist. They all dehumanize. They all deserve to be resisted with every fiber of our being. But, yes, they are all reality that each of us may have to face . . . and resist.


18 posted on 11/13/2012 5:29:01 PM PST by Pollster1 (Freedom is never more than one generation away from extinction. - Ronald Reagan)
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To: C19fan; fieldmarshaldj; AuH2ORepublican; Impy; GOPsterinMA; randita; Sun; LdSentinal; ...

Eat healthy, get exercise, take the best nutritional supplements, and look very carefully when you cross the street. The medical system is about the adversery of your health.


19 posted on 11/13/2012 5:47:02 PM PST by Clintonfatigued (Muslims are a people of tolerance, life,and peace, and if you don't agree, they'll murder you)
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To: C19fan
I guess the only way to be exempt from bammycare is to be a member of Congress or a muslim. Neither seems palatable to me.

How will bammycare affect me... either the red pill or the blue pill, watch some cinerama with beautiful scenics while listening to a full dolby version of Beethovan's Pastoral symphony.

20 posted on 11/13/2012 5:48:25 PM PST by BigFinn (BigHat wisdom: Always drink upstream from the herd.)
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To: 10thAmendmentGuy; 383rr; Abathar; abbi_normal_2; Abcdefg; Abram; Abundy; Aevery_Freeman; ...

Libertarian ping


21 posted on 11/13/2012 5:48:33 PM PST by Clintonfatigued (Muslims are a people of tolerance, life,and peace, and if you don't agree, they'll murder you)
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To: 10thAmendmentGuy; 383rr; Abathar; abbi_normal_2; Abcdefg; Abram; Abundy; Aevery_Freeman; ...

Libertarian ping


22 posted on 11/13/2012 5:49:31 PM PST by Clintonfatigued (Muslims are a people of tolerance, life,and peace, and if you don't agree, they'll murder you)
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To: C19fan

LOL.

Welcome to Amerika.

This is what the sheep voted for—now they will get sheared.


23 posted on 11/13/2012 5:56:30 PM PST by SoFloFreeper
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To: C19fan

FU John Roberts.


24 posted on 11/13/2012 5:57:08 PM PST by Ken H
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To: cableguymn
Oh it will.. it will push others that can use the VA but are currently using other insurance in to the line with you at the VA.

For vets like me, VA benefits are means tested. If a vet has been over the earnings threshold and loses their job, they can petition the VA for immediate coverage..

25 posted on 11/13/2012 6:04:31 PM PST by EVO X
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To: 2ndDivisionVet
Wait and see. The VA healthcare system is only as good as the enabling legislation in effect on any given day. It appears TriCare will be gone shortly, and the whole VA system could realistically be folded into some half-assed new scheme any day, especially given how much Obama values veterans...
26 posted on 11/13/2012 6:24:11 PM PST by hinckley buzzard
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To: Nuc 1.1
The first squeeze will be for people that have coverage, but also have chronic health issues. Many of these people either took advantage of deducting their medical expenses if they were over 7.5% of their AGI, or used a Flexible Savings Account to use per-tax dollars for out of pocket expenses.

Remember this was sold partly on the idea of not bankrupting people with medical bills. Under the ACA these people will see the threshold for deductibility rise to 10% and FSAs will be capped at $2500. The additional taxes paid by these lucky people will go to pay for the subsidies of others. Not protecting patients and not making care affordable.

27 posted on 11/13/2012 6:25:52 PM PST by USNBandit (sarcasm engaged at all times)
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To: Nuc 1.1
The first squeeze will be for people that have coverage, but also have chronic health issues. Many of these people either took advantage of deducting their medical expenses if they were over 7.5% of their AGI, or used a Flexible Savings Account to use per-tax dollars for out of pocket expenses.

Remember this was sold partly on the idea of not bankrupting people with medical bills. Under the ACA these people will see the threshold for deductibility rise to 10% and FSAs will be capped at $2500. The additional taxes paid by these lucky people will go to pay for the subsidies of others. Not protecting patients and not making care affordable.

28 posted on 11/13/2012 6:25:52 PM PST by USNBandit (sarcasm engaged at all times)
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To: B.O. Plenty

>There has to be some “loophole” in the 2700 pages, written by morons, passed by morons and supported by morons...which will be a way out for everybody. It is the same with all bad, destructive legislation...there WILL be a way out

Everyone just has to become a Congressman and voila! Instant exemption ...


29 posted on 11/13/2012 6:36:05 PM PST by jsanders2001
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To: C19fan; All

“And once the law actually goes into effect it’s the pre-existing conditions provision that has the potential to do a lot of damage to the consumer, according to Funtleyder. He says it is ‘likely insurance companies will RAISE premiums on EVERYBODY, given the mandate, to deal with the number of pre-existing conditions that come into the fold.’ And that is one of the many key criticisms of the plan: little to no direct cost-control.”

BOHICA!

My employer is already switching our healthcare plan to save $. I’m pretty sure he’s going to stop his GENEROUS contribution to our flex funds, too. (That covers OTC meds, which have been slashed to the bone & dental - which I still have and will quick get some minor work done in the coming year...) How much more will *I* be required to pay come January, 2014? I do not know. Nor will I until it’s gone from my paycheck. *SIGH*

I JUST got to a point where I was showing a slight SURPLUS each month. So GLAD Mother Government is there to catch me when that’s gone, too. *SPIT*

I’m REALLY getting dispirited, here. I’m a good person. I live a clean, sober, productive and simple life. And yet. And yet...


30 posted on 11/13/2012 6:47:56 PM PST by Diana in Wisconsin (I don't have 'Hobbies.' I'm developing a robust Post-Apocalyptic skill set...)
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To: C19fan
What it means to everyone is that we'll all have coverage and we won't actual have healthcare.
31 posted on 11/13/2012 6:52:44 PM PST by austingirl
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To: MtnClimber
Prices will go up. Payments to doctors will go down. Malpractice lawsuits will go up. No one will want to be a doctor and doctors will retire in huge numbers.

Man! Look at the OPPORTUNITY that you are outlining. Medical care will continue to be needed at a price that people are willing to pay. Some smart person is going to open a clinic and a transportation service to provide for those people who are willing to pay. Mexico? Canada? Costa Rica? I don't know where, but someone is going to hear the clarion call.

I'll be surprised to find that someone hasn't already put this into place.

32 posted on 11/13/2012 7:06:15 PM PST by SWake (Once again, they ran a "moderate", yet they STILL can't see what happened.)
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To: austingirl

Amen. You’ve identified it exactly.


33 posted on 11/13/2012 7:09:07 PM PST by SWake (Once again, they ran a "moderate", yet they STILL can't see what happened.)
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To: SWake

Man! Look at the OPPORTUNITY that you are outlining. Medical care will continue to be needed at a price that people are willing to pay.
= = = = = = = = = = = = = = = = = = = = = = = = = = = =
Probably so, BUT how many people do you think thought they (or someone) could get rich by opening “Smokers Only” bars, airlines, taxi service, hotels etc with anyone able to use, the only stipulation being it was OK to smoke.

The ‘powers that be’ simply refused to ‘give’ you permission to do.

.


34 posted on 11/13/2012 7:11:58 PM PST by xrmusn (6/98 "Hope in one hand and $hiite in the other and see which fills up first".)
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To: SWake

My wife got Lasik surgery done in Singapore for less than the co-pay here. But, the socialist “democracies” always close the the borders to prevent their citizens from escaping utopia.


35 posted on 11/13/2012 7:16:57 PM PST by MtnClimber (Ccies)
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To: C19fan

Unless you are ‘non-compliant’. Then they dont have to cover you.

And your BMI has to be below 22.


36 posted on 11/13/2012 8:05:48 PM PST by Pikachu_Dad (Impeach Sen Quinn)
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To: C19fan

Unless you are ‘non-compliant’. Then they dont have to cover you.

And your BMI has to be below 22.


37 posted on 11/13/2012 8:05:48 PM PST by Pikachu_Dad (Impeach Sen Quinn)
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To: C19fan

Unless you are ‘non-compliant’. Then they dont have to cover you.

And your BMI has to be below 22.


38 posted on 11/13/2012 8:05:53 PM PST by Pikachu_Dad (Impeach Sen Quinn)
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To: C19fan

Unless you are ‘non-compliant’. Then they dont have to cover you.

And your BMI has to be below 22.


39 posted on 11/13/2012 8:06:06 PM PST by Pikachu_Dad (Impeach Sen Quinn)
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To: C19fan

Unless you are ‘non-compliant’. Then they dont have to cover you.

And your BMI has to be below 22.


40 posted on 11/13/2012 8:06:08 PM PST by Pikachu_Dad (Impeach Sen Quinn)
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To: MtnClimber; 2ndDivisionVet

Obamacare will affect everyone. Many doctors are going to retire, taxes on medical device makers and other health care industries will increase putting many out of business, and millions of new patients will be added to the system. There will be rationing, shortages of drugs and medical devices, lowering of standards to cut costs, and really long waits for care. Nobody will be out of the reach of this disaster except our overlords in Washington.


41 posted on 11/13/2012 8:06:42 PM PST by Pining_4_TX ( The state is the great fiction by which everybody seeks to live at the expense of everybody else. ~)
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To: Pining_4_TX

Look for increasing unionization of health care workers, as well.


42 posted on 11/13/2012 10:05:13 PM PST by Ken H
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To: tickles

No, I believe that’s for military retirees and their families. I’m a disabled veteran.


43 posted on 11/13/2012 11:44:08 PM PST by 2ndDivisionVet (You cannot invade the mainland United States. There would be a rifle behind every blade of grass.)
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To: C19fan

Next up price controls...then we can blame those evil hospitals for the resulting shortages!


44 posted on 11/14/2012 3:46:40 AM PST by CSM (Keeper of the Dave Ramsey Ping list. FReepmail me if you want your beeber stuned.)
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To: C19fan

Next year’s premiums are due out today where I work. Last year my bi-weekly went from $117 to $132 and that was changing HMO’s. (MY old HMO went to $154) Can’t wait to see this year’s increase. :(


45 posted on 11/14/2012 3:49:08 AM PST by ez (When you're a hammer, everything looks like a nail.)
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To: nascarnation

“the Independent Payment Advisory Board, otherwise called by its acronym “IPAB” or more commonly the death panel. This provision puts 15 bureaucrats in charge of deciding where to cut costs and funding for certain health care services.”

Plus they just gave a very small group of people the power to declare that abortion is no longer funded. It can now be used as a “future tax revenue from workers” argument and there is nothing the left can do about it. I say we use their evil tools against their evils!


46 posted on 11/14/2012 3:58:05 AM PST by CSM (Keeper of the Dave Ramsey Ping list. FReepmail me if you want your beeber stuned.)
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To: ReaganGeneration2
Where were Romney’s advisors?

At the bank depositing their checks and transferring the funds to their offshore accounts.

47 posted on 11/14/2012 4:08:57 AM PST by COBOL2Java (The GOP-e said "Beat a Marxist with a Liberal!" What a colossal blunder.)
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To: E. Pluribus Unum
Everybody agrees that unnatural monopolies are a bad deal for the consumer, yet half those people believe that unnatural government monopolies are a good thing.

How does that work?

If they don't cover it on "The View" then there's nothing to worry about, apparently. And if they do cover it, then they let Whoopie explain it to them and everything's OK.

48 posted on 11/14/2012 4:13:39 AM PST by COBOL2Java (The GOP-e said "Beat a Marxist with a Liberal!" What a colossal blunder.)
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To: jsanders2001
Everyone just has to become a Congressman and voila! Instant exemption ...

Exactly. If you can somehow work your way up the ranks to become a member of the nomenklatura - or even better the politburo, you'll be OK, with the best doctors, the best hospital care. If not, well, sorry comrade.

49 posted on 11/14/2012 4:20:59 AM PST by COBOL2Java (The GOP-e said "Beat a Marxist with a Liberal!" What a colossal blunder.)
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To: USNBandit
The first squeeze will be for people that have coverage, but also have chronic health issues. Many of these people either took advantage of deducting their medical expenses if they were over 7.5% of their AGI, or used a Flexible Savings Account to use per-tax dollars for out of pocket expenses. Remember this was sold partly on the idea of not bankrupting people with medical bills. Under the ACA these people will see the threshold for deductibility rise to 10% and FSAs will be capped at $2500. The additional taxes paid by these lucky people will go to pay for the subsidies of others. Not protecting patients and not making care affordable.

Many of these folks have special needs kids, it is a triple whammy if they also have medical appliances and have to pay that tax as well.

Their is a loophole in the FSA however, it is per employee, so if a Husband and Wife are working they can both do $2,500.

What people do not know the $5,000 was an employer based arbitrary cap, their actually was none, and if your employer didn't limit it and you had high expenses you could do it tax free.

They want to kill this model and the HSA's because they work and they give you freedom.

A number changes I have come up with would have nixed Obamacare with HSA's being the anchor, along with others floated by our brainiac's

* One, Allow you to buy a plan through a natural group i.e. a Credit Union or a Church (501c3's).
* Get rid of the Aniti-Trust Exemption for health-care to sell across state lines.
* The most important one, allow any tax payer to buy a plan before their AGI on line 37 of the 1040. This means changing line 29, which now only allows small business owners to deduct their healthcare @ 100%, change line 29 so that it is for all of us. It is that simple...

Instead we have a federal leviathan...

50 posted on 11/14/2012 4:32:05 AM PST by taildragger (( Tighten the 5 point harness and brace for Impact Freepers, ya know it's coming..... ))
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