Paying More And Buying Less: The Story Of Obamacare

Daily Cailer ^ | July 17, 2015 | By David J.Herbert

[Brad from Tennessee]

Insurance companies are seeking to raise their premiums by as much as 65 percent because enrollees who signed up “seem to be older with more chronic conditions like diabetes or congestive heart failure than predicted.”

There are two sources of this high degree of sickness: fewer healthy people have signed up for the exchange than anticipated. For healthy people, particularly young people, some provisions of Obamacare provide too much coverage in wrong areas, making them too expensive. As a result, these healthy people don't sign up, meaning that the average person in the exchange is sicker because there aren't enough healthy people to decrease the average.

Enrollment numbers show this: in 2010, the CBO projected 35 million people would sign up for Obamacare. Today, a mere 16.4 million have done so. The Obama administration says they need 40 percent of enrollment to be people between the ages of 18 and 34 for the program work. As of 2014, 25 percent of Obamacare enrollees were in that age group.

The second source is much more pernicious. Obamacare provides a means for one group of people to use taxpayer money to purchase health insurance and, in turn, health care. Because of this they can go to the doctor at a lower out-of-pocket cost than before. While on the surface this looks like a victory, at a deeper level it is a counterproductive failure, especially when coupled with America’s still-broken healthcare system.

By lowering out-of-pocket expenses of doctor visits, some people are steered away from home remedies like bed rest, drinking fluids, and cough medicine, which may have cured their ailment. Because people don't face the full cost of doctor visits, they are more likely to do so. . .

[Brad from Tennessee]

Also, at the start of 2017 Obamacare's risk programs--mechanisms that compensate insurers who experience greater-than-expected costs--will expire. This could result in huge rate hikes from companies burdened by too many unhealthy policy holders.

[Secret Agent Man]

Paying More, Buying Less, and a Whole Lot More Fines and Penalties

[SaveFerris]

Do you get to keep your doctor, if you like him as your doctor, with these increased rates?

[Secret Agent Man]

Well, I would say that many, many, many people have found this not to be the case.

[LegendHasIt]

I had a simple, common, five minute outpatient procedure a month or so ago. I had the same thing a few years ago.

Back then, I received a single bill for $2500.00 that covered it all.

So far, on this recent one, I have 13 bills from nine different entities in six different states totaling $27,378.45

[jsanders2001]

I chatted with a credit agency employee today aout the eonomy. They’re probably more in sync with the pulse of our economy and have a better understanding of the actual financial situation of people than most industries. She said she hasn’t seen this much financial stress on people in all of years working in the industry (about 20 years). People are really suffering under this president and he will probably retire wealthier than all of the presidents when its said and done. Maybe he should redistribute some of his own wealth.

[angry elephant]

Why do they think there would be 40 percent enrollees age 18 to 34 when up to age 29 are covered on their parents’ program?

Also, even if that age group enrolled it would be on Medicaid and no benefit to the paying group since their healthcare would be comped by taxpayers.

Why anyone thinks enrolling a bunch of folks on Medicaid does any service to the paying group and the healthcare system in general is beyond comprehension to me.

[Yosemitest]

ANYTHING OBAMA SAYS is worthless.
Watch what he does, and not what he says.
The ILLEGAL ALIEN IN CHIEF wants ~ and is DIRECTING the policies that regulate ALL health care plans
in the United States ~ TO FAIL !
NEVER FORGET THAT !

Many of us have said for many years that Obama is doing this INTENTIONALLY.
He using the old Soviet Plan from 1934 or earlier.




Only idiots and the evil voted for Obama, or ANY of the Democrats.
AND NOW, WE CAN ADD "Establishment Republicans" TO THAT LIST, ALSO!
They've lied to us, constantly, and really are "Collapsing the System".
And now, these "Useful IDIOTS" who voted for them, are buying the lies that "Obamacare was designed to work." ?
It was designed to fail from the start.
THEN ... THEY GO TO THE "SINGLE-PAYER SYSTEM".

Flashback: Obama's Campaign to Transition to Single Payer Health Care (VIDEO)


obama master plan on health careover the years in his own words--SINGLE PAYER!!! ( 3:38 )

They've been sucking our wallets dry for over four years now on the "Obamacare" LIE.
AND NOW THEY WANT MORE TAXES ?
Our Founding Fathers would have hung them already!

Lets review:

Who was it that cut future funding for Medicare by $575 billion?

...the president and the Democratic Party successfully bamboozle voters... The 2012 election could turn on this falsehood.
The truth is that the Obama health law reduces future funding for Medicare by $575 billion over the next 10 years ...

Mr. Obama and Health and Human Services Secretary Kathleen Sebelius frequently make that false claim.
Indeed, even Medicare's mailings to seniors repeat the claim
that reducing spending on Medicare will make it more financially secure for future years.
The fact is that Mr. Obama's law raids Medicare.

"In early 1968 President Lyndon Johnson [DEMOCRAT] made a change in the budget presentation by including Social Security and all other trust funds in a"unified budget." "

Who was it that expanded Medicare and Medicaid to cover many, many more people than it was originally designed to cover?

The History of Medicare

In 1965, the Social Security Act established both Medicare and Medicaid. Medicare was a responsibility of the Social Security Administration (SSA), while Federal assistance to the State Medicaid programs was administered by the Social and Rehabilitation Service (SRS). SSA and SRS were agencies in the Department of Health, Education, and Welfare (HEW). In 1977, the Health Care Financing Administration was created under HEW to effectively coordinate Medicare and Medicaid. In 1980 HEW was divided into the Department of Education and the Department of Health and Human Services (HHS).

The first U.S. President to propose a prepaid health insurance plan was Harry S. Truman [DEMOCRAT]. On November 19, 1945, in a special message to Congress, President Truman outlined a comprehensive, prepaid medical insurance plan for all people through the Social Security system. The plan included doctors and hospitals, and nursing, laboratory, and dental services; it was dubbed "National Health Insurance." Furthermore, medical insurance benefits for needy people were to be financed from Federal revenues.

Over the years, lawmakers narrowed the field of health insurance recipients largely to social security beneficiaries. A national survey found that only 56 percent of those 65 years of age or older had health insurance. President John F. Kennedy [DEMOCRAT] pressed legislators for health insurance for the aged. However, it wasn't until 1965 that President Lyndon B. Johnson signed H.R. 6675 (The Social Security Act of 1965; PL 89-97) to provide health insurance for the elderly and the poor.

On July 30, 1965, President Johnson signed the Medicare and Medicaid Bill (Title XVIII and Title XIX of the Social Security Act) in Independence, Missouri in the presence of former President Truman, who received the first Medicare card at the ceremony; Lady Bird Johnson, Vice-President Hubert Humphrey, and Mrs. Truman also were present. President Johnson remarked: "We marvel not simply at the passage of this Bill but that it took so many years to pass it."

Medicare extended health coverage to almost all Americans aged 65 or older. About 19 million beneficiaries enrolled in Medicare in the first year of the program. Medicaid provided access to health care services for certain low-income persons and expanded the existing Federal-State welfare structure that assisted the poor.

The 1972 Social Security Amendments expanded Medicare to provide coverage to two additional high risk groups disabled persons receiving cash benefits for 24 months under the social security program and persons suffering from end-stage renal disease.

...(continued at link)

So Democrats,

YOU ARE RESPONSIBLE
FOR INSURING THE FAILURE
OF THE MEDICARE/MEDICAID PROGRAM,
and now YOU DEMOCRATS ARE RESPONSIBLE FOR THE INTENTIONAL DESTRUCTION OF THE U.S.A. ECONOMY!!!

So DEMOCRATS ... SHUT UP!!!

You have no integrity!!!

Sen Mark Kirk's statement Thursday, Dec 1, 2011 ...

"There are 55 million Social Security beneficiaries that will see little or no extra cash from this 2012 tax holiday;
instead, the dedicated payroll contributions meant to pay for future benefits are being diverted from the Trust Fund
and replaced with Treasury debt that does not even have a AAA credit rating.
Social Security was designed to be independent and free from the danger of Congressional manipulation,
and maintaining the firewall between the Social Security Trust Fund and general government funding is the best way to maintain the solvency of this important program.
Neither bill protects the Social Security Trust Fund
so I voted no. "

It's not our fault that DEMOCRATS raided the Social Security Trust Fund.
Let's remember ...

Not ALL are to blame for the empty lock box.

It's the Democrats Communists.

Let's take a deeper look.

Obama: "I Don't Want the Folks who Created the Mess to do a lot of Talking" "

Okay, then the DEMOCRATS need to shut up!!!

[Brad from Tennessee]

[Why anyone thinks enrolling a bunch of folks on Medicaid does any service to the paying group and the healthcare system in general is beyond comprehension to me.]

What it does is suck half a trillion dollars out of Medicare every 10 years; pension redistribution.

[gleeaikin]

In 1983, Reagan presidency, Republicans and Democrats agreed to have payments made by workers up to a cap of 90% of total national earnings. 1983 was the only year that the cap rate was at the 90% level. Since then upper level salaried employees have mostly seen their wages increase by 10% to 20% per year, while low level workers were lucky to see increases of 2% to 3%. The cap has been increased at this low cost of living rate, and recently the cap has only been at around 82%. Raising it back up to 90% would immediately begin to restore the long term solvency of Social Security. It would not be a tax increase, it would be keeping a bipartisan promise.

In addition, in 1983 it was agreed for the FIRST TIME to tax Social Security benefits. A deduction of 25,000 was allowed for single people, and $32,000 for couples. Taxes are paid on any income above those figures. These deductions have NOT BEEN RAISED for 32 YEARS. This is really hurting senior retirees, especially those who might want to marry after loosing a mate. Adjusting for inflation, current deductions should be over $57,000 for singles, and over $74,000 for couples.

[Organic Panic]

Oh course the solution will be to make non compliance a criminal act with lengthy jail stays and huge fines. Of course the idiots who love Obama will never put two and two together and realize what a disaster the law is.

[HiTech RedNeck]

As long as it is a “fair” disaster (well, fair for the little people, i.e. equally bad) a disaster is not only a matter of indifference but “quite welcome.”

It’s kind of the tower-of-Babel thing. I don’t know where they expected to actually go in that tower. But wow it impressed the pants off of everybody who saw it. All the benefit of a “normal” civilization would have looked too much like it belonged to God and that would never do! God is everything that was fuddy-duddy, that made everybody feel bad with the drudgery of duties, and somehow all this new “fair” should make people feel good!

[clearcarbon]

“Paying More And Buying Less: The Story Of Obamacare”

[Yosemitest]

Due you have a source link to PROVE your statements about Republicans agreeing too taxing Social Security?
I don't recall that.

HOUSE of REP FINAL VOTE RESULTS FOR ROLL CALL 406
DemocRATS AYES 217, NOES 41,
Republicans AYES 0, NOES 175,
Independents AYES 1, NOES 0,
TOTALS AYES 218, NOES 217

DemocRATS AYES 50, NOES 6,
Republicans AYES 0, NOES 44,
YEAs 50, NAYs 50, Vice President (D) Voted Yea

NOT ONE REPUBLICAN VOTED FOR IT !

I DO recall William Jefferson Blythe Clinton INCREASING TAXES on Social Security.

Social Security
The Clinton/Gore Tax on Social Security benefits

In 1993 President Clinton sought to increase taxes on Social Security benefits of the elderly and disabled.[9]
The final version of the bill passed by the Democratically controlled Congress increased taxes on beneficiaries from the first 50% to 85%[10] of benefits (or "annuity payments" as they were originally called).
Vice President Al Gore cast the deciding tie-breaker vote in the Senate to make the tax increase law.
The Clinton-Gore tax increase on Social Security benefits included 15% more of the social security benefit at the beneficiary's marginal rate.
It collected some taxes on retired couple making as little as $22,000 per year.[11]

In 2009 conservatives attacked the Democrats health care reform program because it reneged on promises made to Medicare beneficiaries.


Clinton, "I Raised Your Taxes Too Much"

The Dangerous Myth About The Bill Clinton Tax Increase

Clinton's Social Security Test: Selling Sacrifice to the Elderly

[Yosemitest]

OBAMA-NOMICS,
Bringing unemployment to the masses!

OBAMA-CARE,
Bringing denial of service to the masses.

OBAMA BORDER SECURITY,
Bringing disease and DEATH to the masses.

OBAMA'S RULES OF ENGAGEMENT,
Destroying our military on all fronts.

IF you voted for this ILLEGAL ALIEN IN CHIEF, this MUSLIM TERRORIST IN CHIEF,

~ DAMN YOU TO HELL !

[HiTech RedNeck]

More like one Republican (the Gipper) and just enough Democrats to put it over the top because it was considered so radioactive.

You talk in terms of Clinton raising taxes... why not apply equal language to Reagan?

Things have not be conducted in a black-and-white manner for a long time if they ever have.

[HiTech RedNeck]

Wouldn’t you rather they repent... aww that’s too merciful, too God.

[silverleaf]

Cheer up

Now that the 25% of America that is gay ( if you believe their propaganda) can marry each other the marriage penalty and loss of ss by one partner should bring in more revenue

[headstamp 2]

That’s wild.

[headstamp 2]

The ACA is so affordable, it takes government subsidies to afford it.