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(Huffington Post)   "The biggest myth about Obamacare" And it's not that Cruz actually gives a damn about the country   (huffingtonpost.com) divider line 102
    More: Interesting, obamacare, international federation, Poverty in the United States, common source, Children's Health Insurance Program, Health research, Kaiser Family Foundation, Congressional Budget Office  
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2736 clicks; posted to Politics » on 24 Sep 2013 at 9:05 AM (41 weeks ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-09-24 09:03:17 AM
So far, the biggest myth is that it will cost me less or remain the same. I just got a notice that my insurance will increase by 20% next year.

I pay $1100/month now for a family of 4 with a $4,000 deductible.

I AM SCREWED
 
2013-09-24 09:07:39 AM

Dufus: So far, the biggest myth is that it will cost me less or remain the same. I just got a notice that my insurance will increase by 20% next year.

I pay $1100/month now for a family of 4 with a $4,000 deductible.

I AM SCREWED


I hope you didn't vote for BOB or the dems. Those that did have egg on their faces.
 
2013-09-24 09:09:26 AM

Dufus: I AM SCREWED


More or less screwed than the guy with diabetes or cancer earning minimum wage with no access to adequate treatment?
 
2013-09-24 09:12:03 AM

Dufus: So far, the biggest myth is that it will cost me less or remain the same


It's not really a myth or legend, it's just what happens when the state works with local insurance companies on their own exchange to improve the service for their citizens. A lot of states, like LA, are refusing to do that and are seeing a backlash.
 
2013-09-24 09:16:22 AM
Senator Rafael Eduardo Cruz, a Canadian citizen and son of a Cuban communist, goes by the nickname "Ted" in honor of Senator Edward Kennedy, who use the nickname "Teddy."
 
2013-09-24 09:17:05 AM

Aristocles: Dufus: So far, the biggest myth is that it will cost me less or remain the same. I just got a notice that my insurance will increase by 20% next year.

I pay $1100/month now for a family of 4 with a $4,000 deductible.

I AM SCREWED

I hope you didn't vote for BOB or the dems. Those that did have egg on their faces.


Who's Bob?
 
2013-09-24 09:18:29 AM

Dufus: I pay $1100/month now for a family of 4 with a $4,000 deductible.


I know I don't live in the most expensive place in the country but I am always amazed when I hear what other people pay for their health insurance. My small group plan has six participants, skewed to older age, and I was just quoted $1060/mo for my family of five with a $250/$500 deductible.

If I were to go to a $4,000 deductible I would expect to pay under $500/mo for coverage.
 
2013-09-24 09:19:34 AM

Dufus: So far, the biggest myth is that it will cost me less or remain the same. I just got a notice that my insurance will increase by 20% next year.

I pay $1100/month now for a family of 4 with a $4,000 deductible.

I AM SCREWED


"INCLUDED ON YOUR PAYCHECK THIS WEEK IS YOUR HEALTH INSURANCE PREMIUM REBATE. YOU ARE RECEIVING THIS IN ACCORDANCE WITH THE MEDICAL LOSS PROVISION OF THE AFFORDABLE CARE ACT, OR HEALTHCARE REFORM. THE ACT REQUIRES HEALTH PLANS, LIKE THE ONE SPONSORED BY  NAME OF EYEBALLKID'S EMPLOYER WITHHELD,TO REFUND A PORTION OF THE PREMIUM WHEN THE RATIO BETWEEN SPECIFIC HEALTH CARE COSTS AND PREMIUMS IS LESS THAN THE PERCENTAGES DESIGNATED BY THE ACT."

At least, that's what the letter I received with my paycheck this month read. I'm not trying to gloat, but I think my scenario is more commonplace than yours.
 
2013-09-24 09:20:09 AM

Dufus: So far, the biggest myth is that it will cost me less or remain the same. I just got a notice that my insurance will increase by 20% next year.


And before Obamacare, it was getting cheaper every year, right?

Did the note (presumably written by your employer) attribute this to increased rates charged by the insurance company, or to decreased contribution by the employer? 'Cause I believe that across-the-board rate increases were well below that industry-wide.

Maybe it's your employer that's screwing you.
 
2013-09-24 09:21:01 AM
Biggest Myth... That this is good for the country because Obama Cares.
 
2013-09-24 09:26:13 AM

Dufus: So far, the biggest myth is that it will cost me less or remain the same. I just got a notice that my insurance will increase by 20% next year.

I pay $1100/month now for a family of 4 with a $4,000 deductible.

I AM SCREWED


Or maybe it's because your state Government has refused to implement the items that are needed to avoid this scenario. So far, I have heard this line coming ONLY from red states.
 
2013-09-24 09:26:52 AM

Brick-House: Biggest Myth... That this is good for the country because Obama Cares.


Best part...forever!

/good times
 
2013-09-24 09:28:03 AM
The fact that Republicans are fighting this so vigorously (42 farking repeal votes? Threatening to tank the global economy?) is pretty good evidence that 'Obamacare' is a good thing. If they thought it was a bad thing, they'd sit back and let it take down the Democrats.

As it is, they are TERRIFIED. And frightened idiots in power are even more dangerous than regular idiots in power.
 
2013-09-24 09:29:29 AM

PC LOAD LETTER: Dufus: So far, the biggest myth is that it will cost me less or remain the same. I just got a notice that my insurance will increase by 20% next year.

I pay $1100/month now for a family of 4 with a $4,000 deductible.

I AM SCREWED

Or maybe it's because your state Government has refused to implement the items that are needed to avoid this scenario. So far, I have heard this line coming ONLY from red states.


Someone posted a link yesterday to tax software that let's one estimate their personal cost from the ACA.
I think it's only a matter of time before someone plugs in identical data for every state to determine whether there is a red/blue correlation.

If true, then it's only a matter of time before voters in red states realize they have to change their legislature at the state level.  Ha!  Who am I kidding, they'll vote to go DERPER.
 
2013-09-24 09:29:37 AM
I look forward to not paying the cost of the uninsured when I go to the hospital.
 
2013-09-24 09:29:44 AM
Bob is the name of my foxboy. For the motion he makes.


Stop talking about my foxboy.
 
2013-09-24 09:30:20 AM

LordJiro: The fact that Republicans are fighting this so vigorously (42 farking repeal votes? Threatening to tank the global economy?) is pretty good evidence that 'Obamacare' is a good thing. If they thought it was a bad thing, they'd sit back and let it take down the Democrats.

As it is, they are TERRIFIED. And frightened idiots in power are even more dangerous than regular idiots in power.


^^^^^^^^^Pretty much this ^^^^^^^^^^^
 
2013-09-24 09:34:26 AM

Dufus: So far, the biggest myth is that it will cost me less or remain the same. I just got a notice that my insurance will increase by 20% next year.

I pay $1100/month now for a family of 4 with a $4,000 deductible.

I AM SCREWED


I'm pretty sure you're lying. Or, maybe you're just dumb.

Since the passage of the PPACA, the annual rate of rise in the cost of insurance has been cut in half.
 
2013-09-24 09:34:38 AM
Sign up and start paying kiddies. The geezers are counting on you
 
2013-09-24 09:36:28 AM

colon_pow: Sign up and start paying kiddies. The geezers are counting on you


We're already paying for the geezers.  It's called Medicare.  The PPACA doesn't change that.
 
2013-09-24 09:36:49 AM
My healthcare costs haven't gone up for a couple of years now. This is concrete evidence the ACA is a 100% effective.

Doesn't that sound stupid?

Also, please don't quote it or anybody quoting it.
 
2013-09-24 09:39:32 AM
Fewer than half of Americans think they know enough about the law to understand how it affects them

That's a first. Americans are usually wildly confident of their knowledge of things they have no understanding of.
 
2013-09-24 09:40:09 AM
My shiny new health insurance card with my totally affordable plan came yesterday ($110 dollars a month after my employer pays their share) and I was pretty thrilled.

Also, healthcare up here in Massachusetts seems to be pretty affordable and accessible and well run compared to all three red states I lived in.

Just saying.
 
2013-09-24 09:44:36 AM
What pisses me off about all of this is that it does nothing to fix the real problem - healthcare COSTS - and instead just serves as another venue to drive money away from the lower and middle classes and into the hands of corporations.
 
2013-09-24 09:45:47 AM
BOB and the dems will do all they can to polish up this turd, and the useful idiots who put BOB in power will go to their graves defending Obamacare. Little do the dem supporters know, but this massive government take over of the medical industry will lead to the ruination of our exceptional country.

It's like some dem lib got up one morning and said, "hey, wouldn't it be great if the US were more like Europe? Herpity durrr!"
 
2013-09-24 09:46:26 AM
I've had my health insurance go up even more. It went up 30% in 2006. Thanks, Obama!

/In other news, sometimes health insurance goes up for other reasons
 
2013-09-24 09:46:40 AM

eraser8: colon_pow: Sign up and start paying kiddies. The geezers are counting on you

We're already paying for the geezers.  It's called Medicare.  The PPACA doesn't change that.


WHAT?

What kind of country would implement a system by which sick elderly people are given access to decent affordable medical care?

When Jesus comes back he's gonna be pissed.

/ducks back into mah bunker
 
2013-09-24 09:52:33 AM
I'm a self employed single person, young and in good health. All this legislation is doing is forcing me to spend or be punished. Because my income is relatively low, I will get federal subsidy money.

What this means: Whether I want/need it or not, I'm about to become a burden on the US tax system.

Also, I currently don't "employ" anyone. I'm a sole proprietor with an informal business partner. As business grows, I'd love to be able to change this and put myself and partner on full time payroll, have the business directly handle expenses, and actually HIRE my part time laborers instead of 1099ing them. Once I have two or more employees (this includes me!), I have to deal with health care. Mandatory health care.

Long story short, this is a lot of work. I'm already a full time employee of my own business. I don't magically get paid from somewhere to sort through paperwork. I am my own secretary. I don't make great money, and my overhead is high, especially because I'm young and learning and growing. This legislation is basically telling me "don't work harder, don't grow, stay poor, it'll be easier".

Awesome. But we NEED this legislation. Folks, it has nothing to do with helping the poor, it has to do with guaranteeing more business for the insurance industry. If making care affordable to everyone mattered to the higher ups, they'd be legislating price caps and criminalizing the profit margins of the pharmaceutical industry. This is about giving more money to that industry.
 
2013-09-24 09:52:34 AM

StrangeQ: What pisses me off about all of this is that it does nothing to fix the real problem - healthcare COSTS - and instead just serves as another venue to drive money away from the lower and middle classes and into the hands of corporations.


Agreed. But, it almost seems so far gone that there isn't a fix to the problem.
 
2013-09-24 09:55:48 AM

naturalbornposer: I'm a self employed single person, young and in good health. All this legislation is doing is forcing me to spend or be punished. Because my income is relatively low, I will get federal subsidy money.

What this means: Whether I want/need it or not, I'm about to become a burden on the US tax system.

Also, I currently don't "employ" anyone. I'm a sole proprietor with an informal business partner. As business grows, I'd love to be able to change this and put myself and partner on full time payroll, have the business directly handle expenses, and actually HIRE my part time laborers instead of 1099ing them. Once I have two or more employees (this includes me!), I have to deal with health care. Mandatory health care.

Long story short, this is a lot of work. I'm already a full time employee of my own business. I don't magically get paid from somewhere to sort through paperwork. I am my own secretary. I don't make great money, and my overhead is high, especially because I'm young and learning and growing. This legislation is basically telling me "don't work harder, don't grow, stay poor, it'll be easier".

Awesome. But we NEED this legislation. Folks, it has nothing to do with helping the poor, it has to do with guaranteeing more business for the insurance industry. If making care affordable to everyone mattered to the higher ups, they'd be legislating price caps and criminalizing the profit margins of the pharmaceutical industry. This is about giving more money to that industry.


Maybe you just aren't cut out for business.
 
2013-09-24 09:58:30 AM

born_yesterday: Someone posted a link yesterday to tax software that let's one estimate their personal cost from the ACA.
I think it's only a matter of time before someone plugs in identical data for every state to determine whether there is a red/blue correlation.


Good idea. I entered my data yesterday and the monthly reduction was impressive. Family of 4 California.

Red?
Idaho
Utah
Wyoming
Nebraska
Kansas
Oklahoma
Texas
Tennessee
Mississippi
Alabama
Georgia
South Carolina
 
2013-09-24 10:02:11 AM

naturalbornposer: I'm a self employed single person, young and in good health. All this legislation is doing is forcing me to spend or be punished. Because my income is relatively low, I will get federal subsidy money.

What this means: Whether I want/need it or not, I'm about to become a burden on the US tax system.

Also, I currently don't "employ" anyone. I'm a sole proprietor with an informal business partner. As business grows, I'd love to be able to change this and put myself and partner on full time payroll, have the business directly handle expenses, and actually HIRE my part time laborers instead of 1099ing them. Once I have two or more employees (this includes me!), I have to deal with health care. Mandatory health care.

Long story short, this is a lot of work. I'm already a full time employee of my own business. I don't magically get paid from somewhere to sort through paperwork. I am my own secretary. I don't make great money, and my overhead is high, especially because I'm young and learning and growing. This legislation is basically telling me "don't work harder, don't grow, stay poor, it'll be easier".

Awesome. But we NEED this legislation. Folks, it has nothing to do with helping the poor, it has to do with guaranteeing more business for the insurance industry. If making care affordable to everyone mattered to the higher ups, they'd be legislating price caps and criminalizing the profit margins of the pharmaceutical industry. This is about giving more money to that industry.


Because no healthy and young individual ever got cancer or hit by a car right?

And guess what?  The rest of us will have to foot the bill because you never dreamed it could happen to you.  Because you're special right?

The legislation isn't telling you any of that.  Stop acting like a child.
 
2013-09-24 10:03:01 AM

Delay: born_yesterday: Someone posted a link yesterday to tax software that let's one estimate their personal cost from the ACA.
I think it's only a matter of time before someone plugs in identical data for every state to determine whether there is a red/blue correlation.

Good idea. I entered my data yesterday and the monthly reduction was impressive. Family of 4 California.


that would be very interesting to see what kind of cost difference you get in red vs blue state comparisons.
hopefully a few farkers with the time will try it and let us know.
 
2013-09-24 10:03:04 AM

naturalbornposer: Once I have two or more employees (this includes me!), I have to deal with health care. Mandatory health care.


You can't be a very good businessman if you don't even understand your responsibilities under the law.  If you have two or three employees, you -- as an employer -- have no responsibility to deal with your employee's health care.  None.  Hell, if you have twenty or thirty employees, you -- as an employer -- have no responsibility to deal with your employee's health care.

The employer mandate only kicks in when you have 50 or more full time workers on payroll.

For firms with fewer than 50 employees, the PPACA has no mandate...but, it does encourage voluntary health care coverage by providing a tax benefit for those firms that buy coverage for their workers through the Small Business Health Options Program.
 
2013-09-24 10:07:43 AM

eraser8: naturalbornposer: Once I have two or more employees (this includes me!), I have to deal with health care. Mandatory health care.

You can't be a very good businessman if you don't even understand your responsibilities under the law.  If you have two or three employees, you -- as an employer -- have no responsibility to deal with your employee's health care.  None.  Hell, if you have twenty or thirty employees, you -- as an employer -- have no responsibility to deal with your employee's health care.

The employer mandate only kicks in when you have 50 or more full time workers on payroll.

For firms with fewer than 50 employees, the PPACA has no mandate...but, it does encourage voluntary health care coverage by providing a tax benefit for those firms that buy coverage for their workers through the Small Business Health Options Program.


It makes me wonder if people that work for Generation Opportunity take the time to comment here, because I see similar arguments presented by them on FB.  Just sayin'.
 
2013-09-24 10:08:55 AM

eraser8: naturalbornposer: Once I have two or more employees (this includes me!), I have to deal with health care. Mandatory health care.

You can't be a very good businessman if you don't even understand your responsibilities under the law.  If you have two or three employees, you -- as an employer -- have no responsibility to deal with your employee's health care.  None.  Hell, if you have twenty or thirty employees, you -- as an employer -- have no responsibility to deal with your employee's health care.

The employer mandate only kicks in when you have 50 or more full time workers on payroll.

For firms with fewer than 50 employees, the PPACA has no mandate...but, it does encourage voluntary health care coverage by providing a tax benefit for those firms that buy coverage for their workers through the Small Business Health Options Program.


Why is that Fark Small Business Owners always display near complete ignorance on the basics of running a business?
 
2013-09-24 10:09:58 AM

colon_pow: Sign up and start paying kiddies. The geezers are counting on you


The geezers are already on Medicaid.
 
2013-09-24 10:10:18 AM

born_yesterday: eraser8: naturalbornposer: Once I have two or more employees (this includes me!), I have to deal with health care. Mandatory health care.

You can't be a very good businessman if you don't even understand your responsibilities under the law.  If you have two or three employees, you -- as an employer -- have no responsibility to deal with your employee's health care.  None.  Hell, if you have twenty or thirty employees, you -- as an employer -- have no responsibility to deal with your employee's health care.

The employer mandate only kicks in when you have 50 or more full time workers on payroll.

For firms with fewer than 50 employees, the PPACA has no mandate...but, it does encourage voluntary health care coverage by providing a tax benefit for those firms that buy coverage for their workers through the Small Business Health Options Program.

It makes me wonder if people that work for Generation Opportunity take the time to comment here, because I see similar arguments presented by them on FB.  Just sayin'.


You mean there's astroturfed RW grassroots organizations intentionally spreading bad information to confuse and frighten voters into voting against their own self-interests?

again?
 
2013-09-24 10:12:26 AM

Dufus: So far, the biggest myth is that it will cost me less or remain the same. I just got a notice that my insurance will increase by 20% next year.

I pay $1100/month now for a family of 4 with a $4,000 deductible.

I AM SCREWED


You'll get a rebate check if they don't spend a certain amount on your coverage.

And welcome to the party, pal.
 
2013-09-24 10:14:02 AM
I can think of 2:

"Obamacare is health insurance" and "Obamacare starts Oct1 (or 2014)".


Obamacare isn't health insurance, it's a law with a series of policies and regulations that supposed to help people get access to health care and those policies started rolling out years ago.

The latest it's just the insurance exchanges that start Oct 1 and it's only function is to help people find health insurance if they are too lazy to look for it themselves. There is no law that states you have to use the insurance exchanges, it's only there to help people find something before the individual mandate kicks in in 2014 where the law does require you to have health insurance or face a no-insurance tax.
 
2013-09-24 10:14:53 AM

slykens1: Dufus: I pay $1100/month now for a family of 4 with a $4,000 deductible.

I know I don't live in the most expensive place in the country but I am always amazed when I hear what other people pay for their health insurance. My small group plan has six participants, skewed to older age, and I was just quoted $1060/mo for my family of five with a $250/$500 deductible.

If I were to go to a $4,000 deductible I would expect to pay under $500/mo for coverage.


Family of three here, I pay over $1100/month, $5k deductible, and no Rx coverage.  Same plan for 10 years since I can't shop it around - the wife has "preexisting conditions".

I can't WAIT for Obamacare to finally kick in.
 
2013-09-24 10:16:33 AM

phenn: StrangeQ: What pisses me off about all of this is that it does nothing to fix the real problem - healthcare COSTS - and instead just serves as another venue to drive money away from the lower and middle classes and into the hands of corporations.

Agreed. But, it almost seems so far gone that there isn't a fix to the problem.


I know one place to start - a mandate that all charges made by a hospital become public information.  How many stories have we seen now of hospitals charging the medicare patient $50 for a procedure because the government demands at-cost service, and then turning around and charging some random schmuck $500 for the same procedure because they know they can milk him and his insurance company for it?  Standardization is step one, no more of this "we're going to charge whatever we think we can get for a service that is literally the difference between life and death because fark you, that's why."

Step two is clamping down on medical malpractice lawsuits.  I'm sorry that during your husband's appendectomy the doctor nicked an artery and your husband bled out, but considering the outcome would have been a much more painful, none anesthesized sepsis if the procedure had not been performed at all, it's still not the absolute worst that could have happened.  Do you have life insurance?  Then you will be fine.  I'm sorry for your loss, and while we would hope that the medical profession would be as close to perfect as possible, the fact is that nothing ever is or ever will be, especially when that something ultimately relies on human hands.  Reduce the massive amount of insurance that hospitals have to carry to cover inflated malpractice payouts and you'll reduce costs which will reduce insurance which will stop your average family of four from having to ask the question of which do they like more: health insurance or food.
 
2013-09-24 10:16:49 AM

max_pooper: Why is that Fark Small Business Owners always display near complete ignorance on the basics of running a business?


I call it the Joe-the-Plumber syndrome.  That's when a person misrepresents his business credentials and misunderstands the applicable law and proposals.
 
2013-09-24 10:18:25 AM
My employer plan went down $420 a year. Plus with free preventative care, I pay less since I don't pay for that either.

Thanks Obama! No, really. Thank you.
 
2013-09-24 10:26:34 AM

naturalbornposer: and criminalizing the profit margins of the pharmaceutical industry. This is about giving more money to that industry.


I completely forgot about that.  There's step three.
 
2013-09-24 10:36:01 AM

naturalbornposer: This is about giving more money to that industry.


The highest grossing revenues and profits among pharmaceuticals are companies outside the U.S. Of the top-ten in revenues and profits, US companies only represent two, and not the top-two either.
 
2013-09-24 10:44:30 AM

Ricardo Klement: naturalbornposer: This is about giving more money to that industry.

The highest grossing revenues and profits among pharmaceuticals are companies outside the U.S. Of the top-ten in revenues and profits, US companies only represent two, and not the top-two either.


And where do you suppose all those profits are coming from?  I'll give you a hint: it's not Europe, Asia, Africa, or South America.
 
2013-09-24 10:45:45 AM

naturalbornposer: they'd be legislating price caps and criminalizing the profit margins of the pharmaceutical industry.


Well, it's not criminalized, but health insurance companies who don't apply at least 85% of the premiums they're bring in to paying for actual health care are required, and have been, sending out refund checks.
 
2013-09-24 10:50:09 AM

Ricardo Klement: The highest grossing revenues and profits among pharmaceuticals are companies outside the U.S. Of the top-ten in revenues and profits, US companies only represent two, and not the top-two either.


Are you sure about that?

I thought the world's top pharmaceutical company was Pfizer.  American.  Other American top ten firms would be Merck, Johnson & Johnson, Abbott and Eli Lilly.

If I'm mistaken, help me out.
 
2013-09-24 10:51:03 AM

Karac: naturalbornposer: they'd be legislating price caps and criminalizing the profit margins of the pharmaceutical industry.

Well, it's not criminalized, but health insurance companies who don't apply at least 85% of the premiums they're bring in to paying for actual health care are required, and have been, sending out refund checks.


So what's the float margin nowadays?
 
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