Posts Tagged ‘health insurance’
Posted by paulfromwloh on Saturday,October 15th,2016
.. there is a real point to the conservative case for health insurance reform ..
.. ownership . That people have a real ownership stake in their health insurance ..
.. “I just want to mention that Donald Trump does say that his plan for healthcare reform would be the ability to have your insurance be portable, to buy it across state lines like you would buy car insurance, for example,” Conway said.
.. Trump also proposes having health savings accounts “so that you own that piece of your healthcare and you can manage it the way you would anything else,” she said.
.. [h/t — Newsmax.com]..
.. [link] to the blog post ….
Posted in personal opinion | Tagged: exchange, health insurance, health insurance reform, Health savings account, HSA, ObamaCrap, ObamaCrapCare, OC, OCC, ownership, ownership stake, portability, state line, state regulation | Leave a Comment »
Posted by paulfromwloh on Thursday,October 13th,2016
.. yup , the power of the ObamaCrapCare Devil strikes again …
.. this time , it is about a little thing called ” health insurance cooperatives . ”
.. there were 23 of them launched around the United States . They were brought into being with about $2.5 billion in taxpayer money . One would think that , after nearly 3 years , these co – ops would have had a chance to become going concerns . They have not ..
.. [h/t — NYPost.com/Editorial]..
.. [link] to the blog post ..
.. 8 of them are dead or dying . 13 more of them are headed in that direction . That accounts for all but 2 of them . I would expect the other 2 coops to follow suit , as well …
.. What gives ? ..
.. the dummies in the government [the ObamaCraps in the government , and the loonie lefties in Congress] have never made a payroll , made a product , or have produced a service . They do not know what it means to be in business , much less run one . Yet these dumbbells designed these damn coops ..
.. the enrollees in the co-ops , as many predicted , were far older and sicker than the folks expected . As a result , the premiums charged for the health insurance were far , far too low . Also , the restrictions imposed by OCC did not allow these coops to charges fees and premiums that were suffiecient enough to meet costs . So , what happens ?? ..
.. the cooperatives collapse .. and the ” death spiral ” begins …
Posted in personal opinion, stupidity (economic), stupidity (financial) | Tagged: economic design, economic model, health insurance, loonie lefties, ObamaCrap, ObamaCrap White House, ObamaCrapCare, price controls, price restirctions | Leave a Comment »
Posted by paulfromwloh on Friday,January 1st,2016
.. you really have to admit , Sen. Rubio really did his homework on this ..
.. he slipped in this provision into the federal budget [yes , two years ago] that makes any spending by the Feds on the so – called risk corridors ” budget – neutral . I am really surprised that the ObamaCraps let this thing get thru in the first place . Amazed would be a better guess . Another would be the height of arrogance and narcissism , that would make them overlook this …
.. huh ?!?! ..
.. in plain English , the ” risk corridors ” are designed to protect the insurance companies [and the co – ops] from the fallout from excessive #s of claims during the early years of OCC . Making this budget – neutral means that the Obamacraps cannot do a backdoor bailout of the companies , using federal funds ..
.. [h/t — HotAir.com]..
.. [link] to the blog post …
.. so , what has been the fallout from this ?? ..
.. many of the health insurance co – ops have collapsed . Most of the others are on the brink of collapse . Also , insurance companies [large and small] are beginning to pull out of the state OCC cooperatives . This is really putting the states [and their creations] in a financial bind . Also , it could and will get much worse ..
Posted in financial opinion, personal opinion | Tagged: Department of Health and Human Services, health insurance, health insurance policy, insurance, non - profit co operative, ObamaCrapCare, ObamaCraps, regulation, state insurance exchange | Leave a Comment »
Posted by paulfromwloh on Saturday,November 14th,2015
.. yes , NY – style …
.. as it goes for 250 cancer patients , among others ..
.. their health co – operative , Health Republic , had a contract with a number of significant New York state hospitals , including Memorial Sloan – Kettering . MSK is one of the finest hospitals in the United Staes , if not the world . But the NY state exchanges would only have one coop , Health Republic , that would carry MSK …
.. and now Health Republic is closing ..
.. [h/t — NYPost.com/Editorial]..
.. [link] to the blog post ..
.. among those being hurt are 250 NYC cancer patients . They had gotten their cancer [oncology] care at MSK . HR helped provide that care . But you cannot provide that care if you are out of business ..
.. it helps if your business , if even a non – profit , is a going concern . It means that , at least , your revenues are close to or are equal to your expenses . HR no longer is one ..
.. and those poor people end up paying the price …
Posted in personal opinion | Tagged: collapse, going concern, health insurance, Health Republic, insurance co - operative, Memorial Sloan - Kettering, New York State | Leave a Comment »
Posted by paulfromwloh on Sunday,May 25th,2014
.. well , you can thank ObamaCrapCare for this .
.. not all of it , though .
.. with medical inflation still galloping along (contrary to the claims of the ObamaCraps and His Lordship) , employers have to do something . They are going to have to put with ObamaCrapCare for now , so , what happens …
.. [h/t — hotair]..
.. [link] to the blog post …
.. simple economics ! …
.. cost of providing health insurance , less …
.. OCC fine for employers ($2000 (oops)) , equals
.. bye – bye , health insurance …
.. hey , great , the employee gets a temporary boost in pay . The employer though , gets more cost certainty , because they and the employee know where that boost is going for , and why . Another dandy : That boost is taxable to the employee .
.. when the employer buys health insurance , they get to use before – tax dollars . It means that the cost of the insurance comes off of the employer ‘ s taxes as a cost of doing business . Not so for the employee . The employee has to use after – tax dollars …. Bummer ! …
Posted in economic opinion, financial opinion, personal opinion | Tagged: after - tax dollar, economics, finance, health insurance, law of unintended consequences, pay, pay boost, payroll, pre - tax dollar | Leave a Comment »
Posted by paulfromwloh on Sunday,May 25th,2014
.. from someone who knows the system best ..
.. of course , I am talking about Dr. Ben Carson …
.. [h/t — RealClearPolitics]..
.. [link] to the interview ..
.. to be honest , I hope that he runs for President …
Posted in personal opinion | Tagged: free market, health insurance, Health savings account, heath care | Leave a Comment »
Posted by paulfromwloh on Friday,April 11th,2014
.. having death wishes for someone who is fighting cancer …
.. remember Julie Boonstra ? ..
.. [h/t — theGatewayPundit]..
.. [link] to the blog post …
.. one and the same . She is the Michigan housewife who had her life and her health insurance turned upside down by ObamaCrapCare turned her life and her health insurance upside down . She decided to fight back …. Boy , oh boy , did she ever ! …
.. she got involved in an Americans For Prosperity issue ad campaign …. and thus became a public figure .
.. unfortunately , like other public figures , she got a death threat , er wish , in the form of a letter …
.. Gross !! …
Posted in personal opinion | Tagged: health insurance, ObamaCrap, obamacrapcare health insurance exchange, Public figure | Leave a Comment »
Posted by paulfromwloh on Tuesday,March 18th,2014
.. this Illinois woman (name of Delilah Nelson) had to make a tough choice ….
.. she does want health insurance . However , the premium costs of ObamaCrapCare are waaaaay off the charts . The health insurance premiums are bad enough . Then , you add in the deductibles …. Wow !! …
.. she is making the choice … she will pay the ObamaCrapCare penalty , rather than pay the exorbitant premiums , much less the deductible …
.. [h/t — WashingtonFreeBeacon]..
.. [link] to the news report …
Posted in accountability, communications strategy, personal opinion, policy disaster, policy failure, political blunder | Tagged: cadillac health insurance, essential benefits package, health insurance, health insurance deductible, Health insurance exchange, health insurance premium, ObamaCrapCare, obamacrapcare penalty | Leave a Comment »
Posted by paulfromwloh on Tuesday,February 25th,2014
.. this one is skated to Michigan ..
.. Gary Peters [D-Mi] is a Congresscritter . He is running for the soon – to – be vacated US Senate seat in Michigan . Boy , oh boy , is he in trouble ..
.. the state of Michigan is changing and has changed , markedly . It is now , what I believe is a ” White ” state . It has a Republican governor [Rick Snyder] , and has a Republican – controlled legislature . The Michigan Supreme Court is narrowly controlled by conservatives , over the liberals .
.. However , recently , it has been voting , albeit narrowly , for DemoCraps in Presidential elections . Both of their US Senators are DummyCraps , although I believe that is about to change .
.. this ad is a beaut . It is going to be shown , time and time again . Peters ‘ opponent (likely Terri Lynn Land) does not even have to run it . The news media is going to run it over and over . Conservative interest groups are also going to run it over and over . Boy , is Peters going to come to hate this woman . God in heaven help Peters if she dies , though . Then she becomes a martyr for ObamaCrapCare …
.. [h/t — theRightScoop]..
.. [link] to the campaign ad ..
.. so far , Land is ahead of Peters , although it is a narrow lead . Peters is an elected official . Normally , that is an advantage . This year , i believe that it will not be one . Peters has been in Congress for several terms , and voted for ObamaCrapCare , which will be an anchor draped around his neck . I am will to bet that Terri Lynn Land will beat Peters in the Senate race …
Posted in personal opinion | Tagged: 527 group, campaign advertisement, campaign contribution, Campaign finance, campaign spending, Gary Peters, health insurance, Insurance policy, leukemia, Michigan, ObamaCrapCare, policy cancelation, Rick Snyder, specialist, Terri Lynn Land | Leave a Comment »
Posted by paulfromwloh on Wednesday,February 5th,2014
This was brutal.
During a Friday Google+ Q&A session broadcast on YouTube, President Barack Obama was confronted by a Kentucky mother who says she lost her health care plan and her son’s medical specialist due to Obamacare.
“I’m probably not the only one whose had really a panicked experience lately trying to figure out if my 10-year-old son can continue with his specialist or not. I know that I can’t keep my plan — which I liked — but as I’m trying to figure out what to do going forward, I’ve spent weeks with days on the phone getting confidently delivered wrong answers, conflicting information.”
Obama did not have any explanation for the complete horror he’s put this woman through.
.. see the video here [link] …
Posted in personal opinion | Tagged: child, essential benefits package, exchange, health insurance, insurance plan, obama, ObamaCrap, ObamaCrapCare, primary care doctor, referral, son, specialist doctor | Leave a Comment »
Posted by paulfromwloh on Tuesday,February 4th,2014
.. what happened to the fry cook , Darnell Summers , is no laughing matter .
.. the costs of ObamaCrapCare are going waaay up . The stupidity of the Essential Benefits package and the rigidity and bureaucracy of the system that has been created is a big part of the reason why . Also , the rules adopted by H.H.S. as regards to ” full time ” employees are giving employers a very good excuse to cut both employment numbers and employment hours fairly rigorously . They would be stupid to do otherwise …
.. The full time equivalent numbers give businesses an excellent reason to cut back to only what they need . If they can get below the ObamaCrapCare minimums , they will try . When and where possible , they will try to reduce hours per week per employee to reduce on benefit and health insurance costs , however possible ..
.. if you want to watch the confrontation , watch [here] .. Summers puts you-know-who on the spot , but good …
.. [h/t — NationalReview]
Posted in communications strategy, education, failure, personal opinion, political agenda, political blunder, political opinion | Tagged: Barack Obama, bill, Google, Health care, health insurance, Minimum wage, ObamaCrap, ObamaCrapCare, policy change, political debate, POTUS, primary care doctor, public policy | Leave a Comment »
Posted by paulfromwloh on Monday,January 27th,2014
.. but just not this bad .
.. so far , from the enrollees , the great mass that are enrolling in ObamaCrapCare are coming from the private market . Only 12% of them are actually uninsured . Which is a significant problem .
.. The idea of ObamaCrapCare is to cover the uninsured . What it has been doing , however , has been to totally screw up the regular insurance markets . It has also called into question how many people are actually uninsured , and how those numbers are being measured . Where that hits is that if these folks are not enrolling , is why ? The law ‘ s official name is the Affordable Care Act . if the insurance is in fact unaffordable …
.. [h/t — HotAir]
.. [link] to the post [and the interview]
Aetna CEO: We might have to pull out of ObamaCare because it’s not attracting uninsured
One of the nation’s biggest health insurers is worried enough about a scenario in which it would have to pull out of Obamacare exchanges that its CEO is willing to talk about the possibility on national TV from Davos. It may be partly a signal to the administration to get this train moving, but it’s no doubt also a reckoning with reality. Obamacare is not attracting the uninsured, and if the administration would stop changing the rules long enough for insurers to get a handle on who is in the exchange population, they’d no doubt find that population is far more sick and expensive than it was supposed to be.
Aetna CEO Mark Bertolini told CNBC on Wednesday that Obamacare has failed to attract the uninsured, and he offered a scenario in which the insurance company could be forced to pull out of program.
The company will be submitting Obamacare rates for 2015 on May 15.
“Are they going to be double-digit [increases] or are we going to get beat up because they’re double-digit or are we just going to have to pull out of the program?” Bertolini asked in a “Squawk Box” interview from the World Economic Forum in Davos, Switzerland. “Those questions can’t be answered until we see the population we have today. And we really don’t have a good view on that.”
He said that so far, Obamacare has just shifted people who were insured in the individual market to the public exchanges where they could get a better deal on a subsidy for coverage. “We see only 11 percent of the population is actually people that were firmly uninsured that are now insured. So [it] didn’t really eat into the uninsured population.”
For Obamacare to work better, it needs more flexibility and choice of insurance programs, Bertolini said. “We need to make it a lot more simpler for people. There needs to be more choice. When you get more choice, you make it more of a market and you get more people in the program.”
Bertolini’s comments illustrate the bind the insurance industry is in—and, yes, they jumped in with Obama on this deal expecting a bunch of people to be forced to buy their product. Obamacare has failed in such a way as to force them to raise rates dramatically. If they raise rates dramatically, the very administration that needs them to stick with the program will be calling them bad apple patent medicine salesmen because vilifying them will be the only hope for politically extricating itself from its policy failure, at least temporarily. And, in the meantime, the industry can’t even get a handle on who is in the exchanges because the administration keeps changing the rules every five minutes. A couple of industry folks told me last week, even if the news about the make-up of the exchanges is bad, it’d be better to figure it out, get some experience with the population, and gauge what can be done for cost containment. Obama’s short-sighted game of switcheroo doesn’t allow much actuarial science to take place.
Posted in financial opinion, Investigative, media strategy, personal opinion, stupidity | Tagged: choice, complete stupidity, demographic, flexibility, health insurance, insurance company, insurance industry, insurance markets, insurance price, ObamaCrapCare, ObamaCraps, political deal, political strategy, uninsured | Leave a Comment »
Posted by paulfromwloh on Friday,December 20th,2013
.. the ObamaCraps propagated the Big Lie on your doctor , your insurance , and your medicine . Back in 2010 , they knew very well that millions of people were going to lose their insurance ….
.. [h/t — http://www.theGatewayPundit.com]
.. [link] to the videos ..
.. then they proceeded to repeat the lie , over and over again ..
.. In the coming year  , it will get worse . Much worse . The business market is going to subject to the same problems that that the indivdual health insurance market is going through , now . The requirements of ObamaCrapCare [the essential benefits packages , the regulations , the med loss ratio invasion , among many] are going to make what is going on this fall look like a garden party , by comparison . Guess What is also coming up ?
.. the 2014 Congressional midterm elections . The economy is not in the best of shape , the job market sucks , inflation could well take off , and the federales are monkeying around with people ‘ s health care — just in time for the Midterms . The DemoCraps are running scared , especially in districts and states that are at least decently competitive .
.. It will help the GOP to gain seats in the House of Representatives . How many , God knows . The Senate is in play , though . 3 to 4 seats , net , are likely to flip to the GOP , meaning the Republicans need at least 3 more seats (net) to take over the Senate . The way things are going , it could be a whole lot more than that …
Posted in personal opinion, political strategy, politics | Tagged: Barack Obama, Big Lie, Business, Financial Services, Health, health insurance, House of Representatives, insurance, Midterms, Patient Protection and Affordable Care Act, United States | Leave a Comment »
Posted by paulfromwloh on Wednesday,December 18th,2013
.. before , you literally had to choose to apply for Medicaid .
.. when I fell ill , and was medically confined to where I live (with good reason , then , and now [to a point]) , I had to choose to apply for Medicaid . I actually had a choice . Not much of one .
.. Yea , right , not much of one . I would have had a sky – high liability for my bill , with virtually no $$ to pay it . So , choosing not to was not much of an option …My finances had been flattened . I am completing the process of going through Bankruptcy . Also , because of the severity and the chronic nature of all of this , my student loans [all of them] will be discharged . So , I will be able to start out fresh . But , I could choose to apply for Medicaid …
.. Not now . If your income is of a certain level , BOOM , in you go to Medicaid . You do not get to choose , and go to get private insurance . The government sticking its nose into this intimate choice in my life is offensive …
.. [link] to the video ..
.. Ellison Barber is a very good reporter , in addition to being seriously cute (Yea , I am a guy , and I do notice) . She is very good on the pickup on commentary on TV and she was spot on on this …
… LEC again — I know , from my own experience with Medicaid , spoken about above . Yea , it is my own story . Medicaid is not alot , but it is something . Private Health Insurance it is not …
Posted in personal opinion, politics | Tagged: Barack Obama, Ellison Barber, health insurance, insurance, medicaid, Patient Protection and Affordable Care Act, United States, Washington Free Beacon | Leave a Comment »
Posted by paulfromwloh on Tuesday,December 3rd,2013
.. this is an interview with Kurt Kuehne , the C.E.O. of overnight shipper U.P.S. . He was appearing on CNBC ‘ s Squawk Box . He was explaining to the interviewer about the financial facts – of – life on ObamaCrapCare , where it applies to spouses …
.. [link] to the video . ..
.. Gee , I wonder . If spouses cannot stay on their opposite spouse ‘ s health insurance plan (especially under ObamaCrapCare) , then where do the twentysomethings go ? Supposely , they get to go somewhere …
.. The problem is where ? and How ?
Posted in financial opinion, Investigative, personal opinion | Tagged: adult, Barack Obama, Business, child, CNBC, Gee, health insurance, insurance, interview, kurt kuehn, Patient Protection and Affordable Care Act, spouse, squawk box, twentysomethings, United States | Leave a Comment »
Posted by paulfromwloh on Wednesday,November 13th,2013
.. you would think that this stuff could not get any worse .
.. You would be wrong .
.. Now these idiots are bringing you something worse . Much worse .
[h/t — twitchy.com] (thanks , Michele Malkin !!)
.. #Hosurance .
.. How gross .
.. This one ad says it all how stupid it is ….
… how sick is this …
Posted in moral opinion, personal opinion | Tagged: Adam Fox, Advertising, Birth control, Colorado, health insurance, Hosurance, Humor, Patient Protection and Affordable Care Act, Recreation, Ryan Gosling, United States | Leave a Comment »
Posted by paulfromwloh on Wednesday,November 13th,2013
.. is waaaaay beyond the pale .
.. What do they call it ? Believe it or not , they have even invented a new term to describe it …
.. stupid , don’t you think ..
.. Brosurance .
.. How sick is this .
.. The progressive groups in Colorado are using ads like this to market OCC to the young , the restless , and the idiotic . I can just imaging the howls of laughter , interjected with the screams of outrage at the perversion , the disgust , and the waste of taxpayers ‘ money . Believe you me , there is more to come .
Posted in moral opinion, personal opinion, political opinion | Tagged: Adam Fox, Birth control, Colorado, health insurance, Patient Protection and Affordable Care Act, Ryan Gosling, Twitter, United States | Leave a Comment »
Posted by paulfromwloh on Tuesday,November 12th,2013
.. from Wilhelm der Fibmeister ?
.. Here is the link [link1] to part of an interview that former President Bill clinton did with ozy.com . Whoever that is , I do
… Bill Clinton , aka Wilhelm der Fibmeister … (Photo credit: Wikipedia)
not know . Take for granted that it i is a fairly favourable interview for Obama . No big shock , tthhere . But the real headlinker that comes out of this interview is that Clinton believes that POTUS should allow poeple to keep their health insurance policies , while grandfatherd , as is .
.. I will guess that this interview is going to cause the ObamaCraps a fair bit of grief . Good . Those idiots deserve it . They have been so bloody arrogant about all of this health insurance reform debate , now that the rollout itself has been a complete disaster . Nice going , dumb – dumbss !
Posted in media opinion, personal opinion, political opinion | Tagged: Barack Obama, Bill Clinton, Clinton, health insurance, Health insurance in the United States, obama, United State, United States President | Leave a Comment »
Posted by paulfromwloh on Monday,November 4th,2013
.. you miss out on things .
.. Such as ObamaCrapCare .
.. the disastrous , botched , butchered , [f-ed] up launch of healthcare.gov ..
.. and , for those who make it through to the site to search for insurance policies , S – T – I – C – K – E – R – – S – H – O – C – K ! . Nice going , ObamaCraps , you could not have made a bigger botch of this ….
.. Well , maybe I was wrong .
.. It was worse . The blaming of the insurance companies is pathetic , and easily parried . These idiots were forced to change these policies because of the new mandates promulgated by CMMS and HHS . That is why also it is next to impossible to “grandfather” their current policies . If there is even the slightest “change,” then out goes the “grandfather” clause …
.. Nice going , Dummies !! …
Posted in moral opinion, personal opinion | Tagged: Barack Obama, Financial Services, health insurance, HealthCare.gov, insurance, Insurance policy, Patient Protection and Affordable Care Act, United States | Leave a Comment »
Posted by paulfromwloh on Wednesday,September 18th,2013
.. The employers can do the math …
cost of administering health insurance (incl. health ins. itself)
less : ObamaCrapCare fine
financial gain from dumping employees into the
.. The dummies set the fines for dumping people into the exchanges far too low . if those idiots had been thinking , they would have set the fees for the “fines” for putting employees into the exchanges at a far higher level , and then index them to inflation . Now , those dummies are reaping the fruits of the consequences , not thinking about how the market would react to ObamaCrapCare . Thus , the law of unintended consequences continues to strike .
.. You add that , onto the reductions in working hours because of ObamaCrapCare , you get what is happening now . It was eminently and easily forseeable . If only those markets understood the markets , and how that they really worked . But nooooooooo …. . Nice going , Dumb – Dumbs !!
.. Also , the ObamaCraps had publically run exchanges in mind . They would be ones run by the states themselves , or by regional entities , or by non – profits . What they did not want and did not expect was that there would be for – profit exchanges out there .
.. Also , Walgreens is doing this by what is called “defined contribution.” A defined contribution (D.C.) plan basically lets the insured have their choice of insured plans , in this case within the privately – run exchange that Walgreens has chosen for them . Also , Walgreens is attempting to limit their health insurance exposure . The “fine” for non – participation is so loooow that it is worth it to them to have the employees go to the privately run exchange for their health insurance choices . The D.C. helps protect them from the increasing cost of medicine by going to this privately – run for – profit exchange .
.. Quite clever by Walgreens . And not what the ObamaCraps had in mind …
Posted in financial opinion, intelligence, personal opinion | Tagged: Aon Hewitt, health insurance, Health insurance exchange, insurance, Job Growth, ObamaCraps, Sears Holdings, Walgreen | Leave a Comment »
Posted by paulfromwloh on Tuesday,August 20th,2013
.. the Department of poor Health and inHuman Services is sponsoring a contest , of some sorts . You might be wondering , what for ? I would also wonder , why them ?
.. These idiots are trying to promote ObamaCrapCare , that is obvious . For it to have any chance of any kind of success , HHS needs many young people to enroll in health insurance . Especially subsidized health insurance , courtesy of the exchanges . They need it to work . Otherwise , financially and morally . ObamaCrapCare will not work . Well , guess what ?
.. ObamaCrapCare will never work . The young are not stupid . The ones that are employed , they may well get their insurance through their employer . That is , if they still have a job , or , likely have full – time employment . The employers are not dumb . The penalty for dumping employeees into the exchanges and paying the penalty is not all that large , at all . Especially when compared (either if self – insured , or normally insured) with the current cost of health insurance . Which is going up , no matter what the cost ?
.. Why ? ObamaCrapCare is pushing all sorts of mandates . Any and all kinds of mandates . Many of them which are totally and wholly unnecessary . Which will jack up the costs even further , to near Cadillac – type policies . Which , in most cases , are entirely unnecessary , as well .
… this piece is from the Washington Free Beacon . You have to see this stupidity …
Obama Administration Announces Youth Obamacare Video Contest
Law actually discourages young people to sign up, experts say
.. The Obama administration is co-sponsoring a video contest aimed at convincing young people to sign up for health insurance, the Department of Health and Human Services (HHS) announced on Monday.
..The contest offers thousands of dollars in cash prizes to the winners, along with a “Stay Healthy Kit” to the first 100 participants. The kit contains a first aid kit, sun-protection kit, t-shirt, and water bottle.
..HHS partnered with Young Invincibles, a health care advocacy group, to run the contest. It is unclear who is funding the contest. The prize kit is “Brought to you by CMS Marketplace & Young Invincibles,” according to the website. Centers for Medicare & Medicaid Services (CMS) is the federal agency in charge of the insurance exchanges.
..Neither Young Invincibles nor HHS returned inquiries about the source of funding for the contest.
.. HHS released a promotional video on Monday, as well. The video features images of a man falling off of a skateboard with the text “you are NOT invincible” below him and a clip of a person strumming a guitar, with a dubstep track in the background.
..“Soon the Health Insurance Marketplace will give uninsured young people the opportunity to enroll in affordable health insurance, and the Healthy Young America video contest will help them tell their stories to other young people,” HHS Secretary Kathleen Sebelius said in the statement.
..Participants have three options for the kind of video they can make: a video showing how they could need health insurance; a song; or a digital animation.
The insurance exchanges will open for enrollment on Oct. 1. The public will be able to vote on the best videos between Oct. 1 and Oct. 15.
The goal of the exchanges is to make insurance more affordable, but the structure of the exchanges actually works against that goal, experts say.
Two aspects of the law actually increase the cost of health insurance for young people, said Ed Haislmaier, a health policy expert at the Heritage Foundation.
First, insurance companies can only charge older people three times what they would charge younger people for the same plan. This rule compresses the typical spread of prices, causing the price of insurance for younger and healthier individuals to rise in order to subsidize the artificially low price for older people, Haislmaier said.
Second, all insurance plans have certain requirements for what they must cover and how they are structured, further driving up costs for younger people, he noted.
Failing to attract enough young people could hurt the viability of the insurance plans offered in the exchanges, said Sally Pipes, president of the Pacific Research Institute.
“It’s going to kill insurance companies,” she said.
Millions of young people could save more than a thousand dollars next year by not signing up for insurance and paying the penalty, according to a study released last week by the National Center for Public Policy Research.
Posted in personal opinion, politics, public affairs | Tagged: health insurance, Heritage Foundation, Kathleen Sebelius, National Center for Public Policy Research, Pacific Research Institute, United States, Washington Free Beacon, Young Invincible | Leave a Comment »
Posted by paulfromwloh on Tuesday,August 20th,2013
.. A health savings account , paired with a catastrophic care insurance policy , would be far more effective , and do a great deal more good at trimming the sails of health care inflation . Both in the private sector , as well as in the area of government spending . What it does is two – fold : One , it makes the consumer fully cost – sensitive for their health care choices . Two , it makes the health sector compete for the consumer ‘ s health care dollar . Deal – making would become commonplace . Three , insurance would return to what it actually means . If something catastrophic happens , then , third , insurance would be there to cover the bill , and the bill would not be ruinous to the insured , or to the family .
.. It is not the only thing to do . People should be able to use their dollars on a pre – tax basis in order to more cost – effectively shop for health “insurance.” An H.S.A. would do this immediately by depositing the money into the account . Also , any unused H.S.A. funds could be allowed to build up (interest – free , of course) , so that there is more money that is available . If the family wants to use it , or needs to use it , it will be there . And they will stll have a catastrophic policy to cover the “big things.”
.. With market forces back in play , you will get a better read on what medical services will actually cost . Yes , even surgeries and procedures could be and can be marketed . No , they should not be overused . Up at that level , it is where the catastrophic policy is likely to come into play . The HMOs , PPOs , and other groups can do the most good policing things up there , where they belong . Not down at the micro – level , micro – managing individual people ‘ s choices , and doing it all the time .
.. What also will help is that the market will force both sides (the private sector , and the government) to play ball on an equitable basis . The government has been low – balling things for decades , and as a result , has been forcing prices in the private sector through the roof . The government will actually have to pay the freight , instead of low – balling everyone , insured and insurable alike . Also , the private sector will have its dream shot . It will have a god ‘ s honest chance to prove that the market truly works in medicine . It will , but it has to be done on a fair and equitable basis . Private – sector prices will have a chance to move down . Government prices will rise , but will moderate . And the consumer will help .
Posted in financial opinion, Investigative, personal opinion | Tagged: Government spending, Health, Health care, health insurance, Health savings account, insurance, Patient Protection and Affordable Care Act, United States | Leave a Comment »
Posted by paulfromwloh on Wednesday,August 7th,2013
.. In other words , Oops .
.. Congress must vote to increase its own pay . Even if it is done by a cost-of-living formula . The Congress must still vote to do it . Executive action does not count . The U.S. Constitution still applies , booys and girls .
.. due to a so – called “creative interpretation” of ObamaCrapCare , members of Congress and their staffs will be able to keep a financial subsidy that they had been receiving for years to help pay for their health insurance .
.. Members and their staffs receive their health insurance through what is called the Federal Employee Health Benefit Program . It is a competitive program , one that has been moderately successful at restraining health insurance costs and payments for these knuckleheads . However , in the ObamCrapCare bill , that was specifically disallowed . The congresscritters , senators , and their staffers had to get their health insurance through the “exchanges” that were created under O.C.C. . OC.C. also cut off the subsidy . Boy , were the staffers not thrilled with that .
.. The Members were afraid of a “brain drain” on the Hill . The law , as passed , would make people kick in an added $5k to $10k for their health insurance , per year . So , the ObamaCraps got “creative.” The ObamaCrap Admin “reinterpreted” the law , and PRESTO ! The folks got their subsidy back .
.. Slight Problem . The United States Constitution . The law is clear . No subsidy . Also , if the Members change it , it changes their salary . Ergo , the problem with the 27th Amendment . An election must intervene until the members can receive their subsidy , again . The staff cannot until the law is changed , and the ObamaCraps are scared shitless about re – opening you-know-what . Once the can is re-opened , katy – bar- the – door on what else gets changed .
Posted in legal info, legal opinion, personal opinion, political opinion | Tagged: Congress, Federal Employee Health Benefit Program, health insurance, Subsidy, Twenty-seventh Amendment to the United States Constitution, United States, United States Congress, United States Constitution | Leave a Comment »
Posted by paulfromwloh on Thursday,July 11th,2013
Wegmans Food Markets (Photo credit: Wikipedia)
.. well , ObamaCrapCare has struck again ! ..
.. It appears that there is a well – known regional grocery chain , known as Wegman ‘ s . It is well – known in its local area , especially where it is apparently based in upstate New York , near Buffalo . A lot of their people supported ObamaCrapCare , until …
[Wegmans Grocery Chain Cuts Benefits, ObamaCare Blamed]
.. An upstate New York grocery chain that had been praised for offering health insurance to its part-time employees will eliminate those benefits as a result of the federal health-care law passed in 2010.
.. “Several Wegmans employees confirmed part-time health benefits had been cut and said the company said the decision was related to changes brought about by the Affordable Care Act,” the Buffalo News reported late Wednesday. Under the so-called ObamaCare law, “part-time employees are not eligible for health insurance subsidies if their employer offers insurance,” the newspaper noted. By eliminating the employer-provided benefit, Wegmans makes its part-time employees eligible for government coverage funded by taxpayers.
.. The Rochester-based Wegmans issued a statement to the News: “As a private company, we don’t share specifics of our employee benefits programs. It’s a given that health care reform will result in some changes to our benefits program, but it will not change our commitment to meeting the needs of our employees.”
.. Wegmans employs more than 40,000 people at 81 stores in six states, including more than 4,000 workers in upstate New York
and , from the Buffalo News …
Posted in financial opinion, intelligence, Investigative, personal opinion | Tagged: Buffalo News, Employee benefit, Employment, health insurance, New York, Part-time, Patient Protection and Affordable Care Act, Wegman | Leave a Comment »
Posted by paulfromwloh on Saturday,May 4th,2013
.. Folks still do not like ObamaCrapCare , and even POTUS ‘ handling of health care in general .
.. the rotten approval ratings may well reflect the sense that voters have that Obama doesn’t comprehend how many problems have shown up and how disruptive ObamaCrapCare already has been .
.. Among those flaws are the spike in insurance rates , the impact on the national debt , the shifts to part – time work (business ‘ coping with the added costs of OCC) , along with the slow rate of new job creation . Adding to it is the uncertainty created among employers about them dumping their own insurance plans , thus dumping employees into the “exchanges . ”
.. It does not even begin to take account for the impact of Medicaid expansion is going to have on state budgets , which is likely to be substantial . Also , the impact that taxes on upper income taxpayers is going to have on the economy , in general , and on economic investment , in particular . Not to mention the ongoing warfare on religious faith via the HHS mandate on birth control and abortion – inducing drugs . .. Obama’s health care law was designed to expand access to the uninsured. It is noble goal , if not a smart political priority. In order to win support for the law , POTUS claimed it would lower costs , improve the quality of care , and not force anyone off their current health care plan . Wrong on all three counts . Rates are soarding , the quality of care is steadily declining , and greatly increasing numbers of people are being forced off of their employer ‘ s health plans .
.. The Democrats are on the verge of a major panic attack . Currently , they are worried about the implementation . They should be much more worried , as should we all , about the end product . The GOP is on the attack , exposing the bad results , but they need to move . They have to move on further on the offensive , and explain how the OCC plan is itself entirely unworkable .
.. Also , they should bring attention to the benefits (and the risks) of a market – based health insurance reform plan . People more be leery of it . But , they may be much more willing to listen , with the complete mess that OCC turned out to be .
Posted in personal opinion, political opinion | Tagged: health insurance, insurance, obama, ObamaCrapCare | Leave a Comment »