Lake Erie Conservative

thoughtful discussion(s) about issue(s)

Posts Tagged ‘insurance’

… A Job Well Done [#Rich Weinstein]…

Posted by paulfromwloh on Sunday,January 8th,2017

.. @phillyrich1 ..

.. you folks should get to know this guy ..

.. he pulled off one dandy of a feet . Not only that , but he may well have put an added stake in ObamaCrapCare ..

.. [h/t —]..
.. [link] to the blog news // tweets ..

.. the series of tweets that Twitchy has gathered carries most , if not all , of Gruber ‘ s video stoopidities … and Weinstein is responsible for finding the original one !! …

.. Professor Gruber is going to enjoy testifying before Congress and a number of state legislatures in the new year . He will not like it one bit . Tough cookies for him …

.. great job , @phillyrich1 !! …

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… ObamaCrapCare rates [#disclosure]…

Posted by paulfromwloh on Wednesday,November 2nd,2016

.. why are the rates coming out now ??..

.. the states are required to release the rates . If they did not do so , then the insurers would blow the whistle ..

.. at least the insurers that are still in OCC ..

.. [h/t —]..
.. [link] to the blog post ..

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… Nicely Done , Marco Rubio !! [#ObamaCrapCare][#risk corridors][#death spiral]…

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 —]..
.. [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: , , , , , , , , | Leave a Comment »

… The Enrollment Numbers will Cause Problems [#ObamaCrapCare]…

Posted by paulfromwloh on Wednesday,April 23rd,2014

.. it is not just in the 18 to 35 year old bracket ..

.. it is in the older citizens ‘ bracket .. given that we are living longer , and longer , and longer …

.. [h/t — Newsmax]..
.. [link] to the post ..

.. for insurance to work properly , the risk has to be spread out across the risk pool . The problem with ObamaCrapCare is that community rating flattens the cost curve . It pulled the curve down for the older folks , but it pulled it waaaay up for the young …

.. the risk pool needs the young in appropriate numbers in order for it to work . Just ask the insurers . It is their business . They know how it works . And ObamaCrapCare is screwing it up …

Posted in economic opinion, personal opinion | Tagged: , , , , , | Leave a Comment »

… there will be a Bailout of Insurance Companies …

Posted by paulfromwloh on Thursday,December 26th,2013

.. and it will burn the DemoCraps badly ..

.. you may wonder : how ? and why ? It is already written into the ObamaCrapCare bill . The feature in question is what is called ” risk corridors . ” Basically , if the insurance companies take on excessive amounts of risk , they will be compensated for it . It is in the law , already .

.. [h/t —
.. [link] to the article and video clip …

.. Boy , does that stink . The insurers got into bed with the ObamaCraps on this bill , and got a provision like this placed into the bill . it covers their financial backsides , so that they will not lose excessive amounts of money . They may not make much , though , but they will not lose their shirts , either . What is worse is that the C.B.O. ” scored ” this feature as having no net financial effect on the bill . Are you kidding ?

.. It will not have a net effect on the insurers . They will be contractually covered for any losses outside certain ” boundaries , ” or the ” risk corridors . ” Guess who it will screw , and badly ? Yep , the taxpayer , and Big Time ! Nice one , DemoCraps . You have given more ” bulletin board ” material to the G.O.P. . Duuuh !

.. the Insurance business does not come without risk . It is the way the thing operates . Well , it is the way it is supposed to operate . If an insurer misprices its risks , or does not invest its premiums well enough to smooth things out , well …. . It is supposed to go out of business , or at least go bankrupt , so someone else can take over its market and business . Those idiots got into bed with His Lordship and the rest of the Dems , so that they could protect themselves . Now , they look like a bunch of ” errand boys ” for POTUS and for H.H.S. . See what happens .

.. Those dummies may end up losing their shirts , anyway . Serves them right !

.. It may not have much effect at first , at least in 2014 . It will in 2015 , and become an anchor around the necks of the Dems in the 2016 Presidential campaign . An expensive one , at that …

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… The Continuing Problems with the Latest ObamaCrapCare change …

Posted by paulfromwloh on Monday,December 23rd,2013

.. the other night , the Obama administration announced two big changes to Obamacare, for people who have seen their individual-market insurance plans canceled this year: They won’t have to comply with the individual mandate, meaning they can go without insurance and not pay the not-insubstantial fine (1 percent of their income, basically); and if they do want insurance, they can buy a “catastrophic” plan on the exchanges, which is cheaper than any of the other plans available.

..  This will make life easier , in the short term , for some number of Americans — millions have seen their plans canceled, though the White House suggests just half a million of them still haven’t signed up for new plans, gotten Medicaid, or enrolled in an exchange plan .

.. These changes could be “a very big problem for the law.” Here is why :

[-] It violates our system of governance — Presidents are not dictators . They do not have the right to make these kind of changes at a whim .

[-] Lack of Congressional Oversight — for the obvious reasons .

[-] The way it treats the uninsured is unfair and potentially politically unsustainable.

Now that the law’s requirements have been significantly weakened for people who did have insurance in 2013, it’s going to be hard to stand by them for people who didn’t.

In theory, this does reflect one of the principles of how the health-insurance market works: Under pre-Obamacare law, consumers were guaranteed the right to renew their policies (with some cost changes, of course). If you were uninsured, on the other hand, you could have a much harder time finding coverage on the individual market — which is why, for instance, people are allowed to maintain employer coverage for a certain period of time after leaving a job. But Obamacare is supposed to be about expanding coverage, and the inequities this change will create can be really problematic.

More simply, of course, people whose plans have been canceled will now simply be able to go without insurance, period, at no cost. People who were uninsured in 2012, meanwhile, will have to pay the penalty — for now.

[-] The way it treats almost everyone else is unfair: The exchanges have been open for three months now, and plenty of Americans have committed to buy plans that were either more expensive than they want or that they didn’t want in the first place. If people whose individual-market plans have been canceled knew this was going to happen, they could have waited to buy a catastrophic plan, or bought one on the non-exchange market, or gone without insurance entirely.

[-] Adverse selection  — This means people who might otherwise buy insurance — say, middle-aged people with potentially looming health problems — can go without it, and if a serious health-care problem comes up, they can just enroll in the exchanges. Not everyone will take advantage of this, but at the margins, it allows people who might otherwise worry about catastrophic health-care bills to stay out of the exchanges, and ensures some flow of very sick, expensive people into them. Health insurance companies can’t change their rates to take account of that, and that information disconnect is what economists call “adverse selection.” On the margins, it will raise premiums for healthy people on the exchanges, and make insurers more wary of participating.

[-] More adverse selection — The catastrophic plans that the Obama administration will now let anyone with a canceled plan enroll in this year were originally set up for anyone under the age of 30, and for anyone who gets a hardship exemption. Now, they’ll see an influx of people who had their plans canceled, a group that insurers don’t actually know much about — and for whom they haven’t set their premiums.

[-] Even more adverse selection  — The catastrophic-insurance markets and the rest of the exchanges are separate risk pools. Within a given state, individual insurers don’t really have to worry about enrolling too many unhealthy or old people, because of something implemented by Obamacare called “risk adjustment.”

Insurers with sicker groups get compensated, basically, by insurers that enrolled healthier groups. In all, the insurers want healthier and bigger pools, because they can take on more financial risk safely and make more money, but risk adjustment means it’s lot less useful for them to try to attract healthy enrollees.

The Obama administration is now going to alter the parameters for the catastrophic pool and the normal exchange pool in every state. If their claim that just half a million people who are getting hardship exemptions is accurate, this will also just be a marginal adjustment — but still one the insurance industry wasn’t expecting.

[-] Increased confusion — While there are a lot of groups communicating directly with actual enrollees, the information trickling down from a CMS report, filtered through the media, is not going to help Americans make informed decisions about their plans.

Related articles

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… Fibaroni [ObamaCrapCare – related] …

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 —]

.. [link] to the videos ..

.. then they proceeded to repeat the lie , over and over again ..

.. In the coming year [2014] , 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 …

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… ObamaCrapCare enrollments are in the Toilet …

Posted by paulfromwloh on Friday,December 20th,2013

.. so , His Lordship makes another unilateral change ?

.. It appears that POTUS & Co have made another unilateral change to ObamaCrapCare . They did it once again without any consultation with or the agreement of Congress . As is supposed to be done under our Constitution …

.. Those who have lost their insurance policies under ObamaCrapCare have been made temporarily exempt from the individual mandate . I believe that it does not apply to those folks who have lost their policies this year [2013] … I think that the ObamaCraps have the folks who will lose their policies in the coming year [2014] in mind . It is not only that …

.. They have now been made (somehow) eligible for the catastrophic insurance policies . These policies were supposed to only be open to those under 30 years of age . Now , those catastrophic policies will be open to many , many more people . Not just several hundred thousand people , though . It will result in millions being made eligible for those policies …

.. Remember , it is not just this year (2013) that is in mind , but 2014 as well . I can imagine the insurance companies are just going to love this . Another unilateral change that screws with the metrics of their business ….
if it keeps up , then , sooner or later , it is going to cause one or more companies to withdraw further from the states , in order to preserve their remaining business , and concentrate on the state(s) where these folks are the strongest …

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… nice Catch , Ellison [on Medicaid and ObamaCrapCare] …

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 …

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… Mme Secretary , It is Not How Insurance Works …

Posted by paulfromwloh on Sunday,December 15th,2013

.. you do not get insurance until the policy premium is paid . Insurance companies are not charities . They do not give out health insurance coverage for free [article] …

… Sebelius and her cronies keep on re – writing the rules . Especially the ones that are written in law , or that are established in administrative rules . She is misusing the sheer size  and influence of her cabinet department to misconstrue and abuse the law . Congress should call her on the carpet , and the insurers should hold H.H.S. to the spirit and letter of the ObamaCrapCare law …

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… The Insurers Asked for This [ObamaCrapCare] …

Posted by paulfromwloh on Saturday,December 14th,2013

.. guess what , they have got it .

.. They supported the bill when it was being considered . They were warned about the dangers of socialized medicine , down through the years . They ignored the warnings , and threw their lot in with the ObamaCraps . Guess What ?

.. It blew up in their face . The ObamaCraps are bullying them , and dictating to them as if they are a wholly – owned subsidiary of the government . They are not , as of yet . The ObamaCraps are behaving that way , and they continue to do so …

[h/t —]

.. [link] — to Dr. Krauthammer ‘ s commentary …

.. We are the losers , and will continue to lose . Until the great mass of the American people come to their senses , and smash the DemoCrap party to bits …

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… Great Call , Charles [ on ObamaCrapCare Media Strategy ] …

Posted by paulfromwloh on Friday,December 13th,2013

.. he calls out the DemoCraps on their trying to blow smoke in people ‘ s ears about the change in enrollment numbers on ObamaCrapCare ..

.. [link] to the video ..

.. if the ObamaCraps and the DemoCraps are going to have a prayer of meeting their goals on ObamaCrapCare , they are going to have to do a much better job of construction , not to mention marketing .

.. Their marketing efforts are a complete bomb . All those cancellation notices and the media attention being paid to the people being screwed out of their relationships with their hospitals and doctors has done a great deal of damage to the image of ObamaCrapCare . They have to speed up enrollments , just to catch up with the cancelations . That does not account for all of the uninsured , and the disastrous shape of Medicaid . Blowing alot of smoke up people ‘ s rear ends is no cure for the failure .

.. The failures on the construction of ObamaCrapCare are much , much worse . The complete and total lack of security is inexcusable . You expect people to trust their most private health and financial information to a bunch of government flunkies , then to a website that has no sense of security in it at all ? Are you guys crazy ?

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… Nice Going , Zeke [ObamaCrapCare architect] …

Posted by paulfromwloh on Tuesday,December 10th,2013

.. this is one of the leading lights , so – called , of ObamaCrapCare , Dr. Ezekial Emanuel , appearing on ” Fox News Sunday . ”

[h/t —]

.. [link] to the video ..

.. you would think that the ObamaCraps would be a good bit more careful about who and when they would put out front as the ” face ” of ObamaCrapCare . This guy treats this stuff as an academic exercise , when people have real world concerns , and he could not care less …

.. just like POTUS ..

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… Gee , Where Do the Twentysomethings Land ? [ObamaCrapCare policies] …

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 ?

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… Nice Going Guys (It ain’t Fixed) [ObamaCrapCare website] …

Posted by paulfromwloh on Monday,December 2nd,2013

.. the ObamaCraps keep telling us that “” is fixed . Then , why , dummies , do you have a new queing feature ?

[h/t– theGatewayPundit]
.. You need to see this video [link] . These idiots are keeping saying that the ” front end ” of the website [where the government does its ” business “] is working properly , and at capacity . If it is , then why is this queing feature being used or is needed ?

.. If you dummies have redesigned the site with enough capacity , then there is little need for the queing feature ? If you have redesigned the site with properly working security features , then there is no need for it ? If the ” back end ” of the site [the ” 834 ” reports to the insurance companies] is working properly , then the site should be working smoothly , and should be able to handle most any surge capacity …

.. What gives , guys ? The fact is … the damn site is not fixed . So , fix it !! .. Either that , or junk it , and buy something from the private sector that has been tested and tested and works just fine …

Posted in Investigative, personal opinion, political opinion | Tagged: , , , , , , , , , , , , , , , , , , | Comments Off on … Nice Going Guys (It ain’t Fixed) [ObamaCrapCare website] …

… Another Spot – On Shot by Dr. Charles [ObamaCrapCare] …

Posted by paulfromwloh on Sunday,December 1st,2013

.. this one is a continuation of the antics of the government over the last 50 years …

.. Also , it is a result of the Law of UnIntended Consequences , resulting from the adoption of the ObamaCrapCare bill . These idiots never seem to learn that their actions have consequences , and because of them , what happens results in the opposite effects from what they wanted to happen . Duuuh !!! ….

[link] — video clip from the Special Report with Bret Baier panel .

.. These morons use the reductions in reimbursements to doctors and hospitals to finance their Rube Goldberg contraption . Then , when things start to happen , like when hospitals choose not to participate in the ObamaCrapCare networks , or , when the State Exchanges exclude them , and some of them go kaput ! , well , duh !! …

.. Also , they do the same with reimbursement payments to doctors . They expect from their economic analysis that the same or greater #s of doctors will continue to practice . Then , when multitudes of doctors leave the profession , or choose to retire , they are shocked , yes , shocked by the action . Then they wonder why the newly insured cannot find a doctor to treat them .

.. Dummies , if you want medicine to function properly , you need to reintroduce market ecconomics into the system . That includes the functions where the government participates in the system . You think medical inflation in the private sector is the result of the private sector . It is not , stupid . It is because of 50 years of low – ball cheapskating by governments that the inflation comes privately . What do you expect ?

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… Sticker Shock Panic [ObamaCrapCare]

Posted by paulfromwloh on Friday,November 15th,2013

.. gee , these knuckleheads just might actually get that website working .[Doubtful !]

ABC correspondent Jake Tapper during a prime t...

… CNN ‘ s Jake Tapper … (Photo credit: Wikipedia)

.. I know , I doubt it , too . Even if they did , those dummies know they have an even bigger problem . Sticker Shock . And how . It is one that those subsidies can only mask so much for so long . Even they are not all that much , and the sequester is limiting them to a certain level , and to a certain segment of the population . So , the geniuses in the ObamaCrap Administration are sweating bricks , big time .

.. Why ? Watch this video segment [link] from CNN ‘ s The Lead with Jake Tapper , and you will see why ….

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… Obama is POTUS …

Posted by paulfromwloh on Thursday,November 14th,2013

.. not the First Dictator .

.. to be honest , right now , he is behaving a lot more like the First Dictator right now than POTUS . And that is scary . Our constitutional rights depend upond a constitutional system , one in which the President takes an Oath to “faithfully execute the law . ” Right now , Barack Obama is not doing that . Not even close . That should scare people . A lot .

.. to be honest , I am no wordsmith . I am just a tax accountant , a C.P.A. . I do my best to tell my story on my blog the best that I can . Someone who is far better and is far more accomplished a wordsmith , the MahaRushie , says it far better …

The Dictator, Joined in Progress

November 14, 2013


RUSH:  The president’s addressing the nation, ladies and gentlemen, on how he’s gonna play dictator again and fix his health care problem.  It was supposed to start exactly a half hour ago.  He just started three minutes ago, opening up on the Philippines.  He finished his remarks on the Philippines right as this program began.  So we’re gonna JIP it.  Here’s the president playing dictator.

OBAMA:  — the 1.5 million people.  Of those 1.5 million people, 106,000 of them have successfully signed up to get covered.  Another 396,000 have the ability to gain access to Medicaid under the Affordable Care Act.  That’s been less reported on, but it shouldn’t be.  Americans who are having a difficult time, who are poor, many of them working, may have a disability —

RUSH:  Folks, we know what he’s gonna propose here.  We’re just doing this because I know the affiliates want to carry this stuff, so — (crosstalk)

OBAMA:  — later today I’ll be in Ohio where Governor Kasich, a Republican, has expanded Medicare under the Affordable Care Act —

RUSH:  I can tell you what he’s gonna do.

OBAMA:  — 275,000 Ohioans will ultimately be better off because of it.  And if every governor followed suit, another 5.4 million Americans could gain access to health care next year.  So, the bottom line is in just one month, despite all the problems that we’ve seen with the website, more than 500,000 Americans could know the security of health care by January 1st.

RUSH:  And they’ve just been shafted based on what you’re gonna propose here in a minute.

OBAMA:  — and it’s significant.

RUSH:  Five hundred thousand is significant?

OBAMA:  That still leaves about one million Americans who successfully made it through the website, not qualified by insurance, but haven’t picked a plan yet.  And there’s no question that if the website were working as it’s supposed to, that number would be much higher —

RUSH:  No.

OBAMA:  — of people who’ve actually enrolled.

RUSH:  Not true.

OBAMA:  So that’s problem number one.

RUSH:  People are shocked at what they found there.

OBAMA:  Making sure the website is working the way it’s supposed to.  It’s gotten a lot better over the last few weeks than it was on the first day, but we’re working 24/7 to get it working for the vast majority of Americans.

RUSH:  Can I ask a question here?  Why would anybody believe what he says after the big lie about being able to keep — (crosstalk)

OBAMA:  — concerns Americans who receive letters from their insurers that they may be losing the plans they bought in the old individual market —

RUSH:  Yeah.

OBAMA:  — often because they no longer meet the law’s requirements to cover basic benefits like prescription drugs or doctors visits.  Now, as I indicated earlier, I completely get how upsetting this can be for a lot of Americans, particularly after assurances they heard from me that, if they had a plan that they liked, they could keep it.  And to those Americans, I hear you loud and clear.  I said that I would do everything we can to fix this problem, and today I’m offering an idea that will help do it.  Already people who have plan that predate the Affordable Care Act can keep those plans if they haven’t changed.  That was already in the law.  That’s what’s called a “grandfather clause.”  It was included in the law.

RUSH:  Still continuing the lie, folks.  (crosstalk)

OBAMA:  — to people whose plans have changed since the law took effect, and to people who bought plans since the law took effect.  So state insurance commissioners still have the power to decide what plans can and can’t be sold in their states, but the bottom line is insurers can extend current plans that would otherwise be canceled into 2014, and Americans whose plans have been canceled can choose to reenroll in the same kind of plan.  We’re also requiring insurers who extend current plans to inform their customers about two things: one, that protections — what protections these renewed plans don’t include.  Number two, that the marketplace offers new options with better coverage and tax credits that might help you bring down the costs.  So if you received one of these letters, I’d encourage you to take a look at the marketplace, even if the website isn’t working as smoothly as it should be for everybody yet —

RUSH:  There isn’t —

OBAMA:  — a plan comparison tool that lets you browse costs for new plans near you is working just fine.

RUSH:  Jeez.

OBAMA:  Now, this fix won’t solve every problem for every person, but it’s gonna help a lot of people. Doing more will require more work with Congress.  And I’ve said from the beginning I’m willing to work with Democrats and Republicans to fix problems as they arise.

RUSH:  He’s lying again.

OBAMA:  This is an example of what I was talking about.  We can always make this law work better.  It is important to understand, though, that the old individual market was not working well.  And it’s important that we don’t pretend that somehow that’s a place worth going back to.  Too often it works fine as long as you stay healthy.  It doesn’t work well when you’re sick.  So year after year Americans were routinely exposed to financial ruin or denied coverage due to minor preexisting conditions or dropped from coverage altogether even if they paid their premiums on time.  That’s one of the reasons we pursued this reform in the first place.  And that’s why I will not accept proposals that are just another brazen attempt to undermine or repeal the overall law and drag us back into a broken system.

We will continue to make the case, even the folks who choose to keep their own plans, that they should shop around in the new marketplace because there’s a good chance that they’ll be able to buy better insurance at lower cost.  So we’re gonna do everything we can to help the Americans who’ve received these cancellation notices, but I also want everybody to remember there are still 40 million Americans who don’t have health insurance at all.  I’m not gonna walk away from 40 million people who have the chance to get health insurance for the first time, and I’m not gonna walk away from something that has helped the cost of health care grow at its slowest rate in 50 years.  So we’re at the opening weeks of the project to build a better health care system for everybody, a system that will offer real financial security and peace of mind to millions of Americans.

It is a complex process.  There are all kinds of challenges.  I’m sure there will be additional challenges that come up.  And it’s important that we’re honest and straightforward in terms of when we come up with a problem with these reforms and these laws that we address them.  But we’ve gotta move forward on this.  It took a hundred years for us to even get to the point where we could start talking about and implementing a law to make sure everybody’s got health insurance.  And my pledge to the American people is that we’re gonna solve the problems that are there, we’re gonna get it right, and the Affordable Care Act is going to work for the American people.  So with that I’m gonna take your questions —

RUSH:  All right, we’re not gonna listen to questions because all of this is gobbledygook.  Greetings, my friends, and welcoming.  Rush Limbaugh, the EIB Network and the Limbaugh Institute, Advanced Conservative Studies.  Great to have you here.  Through all of that gobbledygook, let me try to translate what you just heard.  You would never know it, if you just listened to all that gobbledygook, you would never know that what Obama is doing is postponing the requirements that are forcing cancellations of your policies until after the elections.

He’s doing two things:  He’s telling the insurance companies, as a dictator would, what they can and can’t do or what they must or must not do, or what they have to and don’t have to do.  He is suggesting, for purely political purposes, that if you have your plan now and you like it, you can keep it for one more year so that you don’t get any angrier at Democrats than you are now and vote against them next November.

If your plan has been canceled, he has just ordered the insurance company to make it available to you, so that you can go back and get that plan.  The problem is that that plan was canceled precisely because it conflicts with his law, with Obamacare.  So he has declared war against the insurance companies here and is making it veritably impossible for them to do business.  This is purely political.

All of this gobbledygook is designed to make everybody think that somebody else came along and canceled your plan and he’s going to come to the rescue now and give you your plan back, but just for a year — and he reiterated the original lie.  He told you that when he told you that you could keep your plan “unless there’s a change in it.” He never said “unless there’s a change in it,” so he’s continuing the first lie — well, the second lie to cover the first lie — with this announcement today.

So essentially, this probably also serves the purpose of preempting the Upton bill in the House of Representatives, which we talked about yesterday as a potential trap for the Republicans, and there is a lot to wade through.  Folks, this an absolute swamp now.  It is an absolute disaster, and it’s also a minefield.  This is all anybody needs to know that government has no business doing any of this.  This, today, is an admission of abject failure in the president’s quest to actually destroy constitutional government.

Well, no, he’s not failing at that.  He’s actually succeeding at that.  What he’s trying to do here is just speed the process to get to the point where the government is the only provider of health insurance and health coverage.  That’s his ultimate aim, and all of this chaos is designed to speed that process.  What the president’s actually trying to do here is subvert democracy, in my opinion, with all of these mandates.

I want to take you back. Listen to something that I said on this program back on October 30th — just a couple of weeks ago, essentially.  I was talking about Obama and Obamacare, and Obama was making changes in it willy-nilly, and he was talking about how much he cared for people, and I was asking, “Well, why doesn’t he play dictator the other way?” And today he did.  So listen to this.  It runs about a minute and a half, but it is explanatory unto itself.

RUSH ARCHIVE:  If Obama is gonna go out now and play dictator, let’s realize he could play dictator in any direction he wants to go.  If he has the power to deny you your grandfathered plan, the one you liked and the one you were told you could keep, and if Obama didn’t know all of this was going on and he didn’t know all of these problems with the website, and if Obama really cares about being truthful and honest with you, then maybe Obama can play dictator and re-grandfather your plan.

If he can play dictator and take it away from you, then he can play dictator and fix it, I assume. If he’s gonna play dictator, if he’s gonna pretend the law is subject to his whims, then let’s all realize that he’d have the power to restore millions of health insurance policies by waiving that’s new Obamacare regulations, which is forcing insurance companies to cancel policies. … Well, he loves you, he has compassion for you, cares about the little guy.  Why doesn’t he get mad at all these people being canceled and go in there and fix it?

If he can play dictator and take things away, why can’t he play dictator and give ’em back?  Why doesn’t he fix it?  He knows people are being canceled in the hundreds of thousands.  Why doesn’t he fix it, if he really cares about you?  He told us if Congress didn’t give him everything he wanted he would simply do it himself.  Obama has said, again, folks — and we’ve played the sound bite — “Well, if Congress won’t do it, I’ll just go in, I’ll take care of it myself.”

RUSH:  So here he is doing it today, playing dictator the other way, reinstating your canceled plan, but just for a year.  But it isn’t gonna be that easy.  Your plan is gone.  And, by the way, he didn’t say anything about your getting your old premium back.  Who knows what the reinstated plan’s gonna cost you.  Remember, he’s doing this not because he cares about you.  He’s not doing this because he’s upset you’ve lost your plan.

He’s doing this because he’s losing the media, and he’s losing his fellow Democrats, and he’s losing the proposition. This is a purely political move today disguised as typical Democrat Party compassion.  “I’m worried to death about you losing your plan.  How could this have happened?”  He’s gonna blame the insurance companies, and if the Republicans aren’t careful, they’re gonna make that policy.

He’s gonna blame governors; he’s gonna blame all kinds of outsiders and invisible people for making this happen.  He’s riding in today as the white knight, playing dictator.  The thing that I want to remind everybody is that I thought it was settled law.  I thought it was the law of the land.  I thought back when Ted Cruz and Mike Lee and others were saying, “Look, let’s just delay this whole thing,” or “let’s just defund it and repeal it,” we couldn’t because it was the law of the land.

Remember all those angry lectures that Obamacare was settled law? The Democrats said, “It’s the law of the land. You can’t change it.” Well, so much for that.  So much for the rule of law. So much for constitutional republicanism.  Now we have the president playing dictator the other way to save his party’s bacon and to save his dream of government-run socialized medicine.  This is where we are, and the Republicans had better talk about this honestly.

This is not how things happen in a free country.  What is happening is wrong. All it adds up to is why this mess should be repealed and gotten rid of.  It is only gonna get worse.  How can we…? You know the big question is, given how frequently and how easily Obama lies, why do we even believe this today?  Why do we even believe this?  You know, there’s a bunch of people that also have to act and make this happen.

He’ll sit up there and play dictator and wave his magic wand and say, “I’m gonna give your policy back.”  Well, there’s a bunch of people in the insurance business here who now are gonna have to go back and say, “Gee, what do we do now?  I mean, we’re complying with one part of the law; now he’s saying we don’t have to. What do we charge for this?”  And what about the people that are gonna get their cancellation notices at work starting next year?

Oh, it’s just an abject mess and the chaos will play out to his advantage.  The more chaos, the more there will be calls to “fix it, to fix it, to fix it,” and the simple solution, it will be said, is, “Look, let’s just put one guy in charge of this. Let’s put the president in charge of it and be done with all this.  We’ll close the exchanges! We don’t want those anyway.”  He really doesn’t want the exchanges, folks, when you get down to brass tacks.

I mean, they’re just placeholders designed to make it look like it’s something that it’s not in this whole health care plan.  So we’ve had a series of time bombs here and the president determines when each one detonates, and that can’t stand.  You can’t run a country this way.  Simply can’t.  This bomb needs to be defused.  We’ve had enough explosions. There’s been enough damage and collateral damage, enough to know that we don’t need to any more.

This thing just needs to be shut down.  It is incompetent, it is impossible, it is amateurish, it is beneath this country to have something like this happen with something that is so important and so crucial to so many people, to have it bounced around as a political ping-pong ball, which is what’s happening.


RUSH:  So the fantasy continues.  The fantasy.  The fantasy that you can have the health care you want, it doesn’t cost you anything or much at all, and that if you ever get sick, you’re gonna get well immediately. It’s gonna all be handled and it’s never, ever gonna be a problem for anybody again.  The fantasy continues.  By the way, I just listened a bit more of Obama. He said, “You know, I wasn’t the only one that made that promise.

“A bunch of people up on Congress told you you’d keep your plan, too.”  That is just… That’s first grade kind of excuses. That’s Bart Simpson.  “I didn’t do it, you didn’t see me do it, nobody saw me do it, you can’t prove anything!”  He’s up there saying, “Yeah, there were 10 or 12 other people on Capitol Hill making the same promise.  We all had our good intentions here.”

This is such a disaster, folks.  The original problem with this remains.  We have president of the United States who thinks that he can compel people to go buy something.  He thinks that he can compel people to go use something, even something they don’t want.  If they don’t buy it, they’re gonna get fined or penalized.  He goes so far as to deny what they want.

If they don’t go get what he wants them to have  — i.e., having their policies canceled.  This outrageous.  This is so un-American, this whole thing, and now what’s the “fix”?  The fix is for this guy to play dictator again and now command or compel the insurance companies to run their business the way he wants them to for the next year is that his part won’t be hurt in the elections next November.

This isn’t America, folks.


.. LEC again — Thanks , Rush !! ..

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… You Cannot “Un Ring the Bell ? [on ObamaCrapCare] …

Posted by paulfromwloh on Thursday,November 14th,2013

.. What is POTUS thinking ? [on ObamaCrapCare] ..

English: Barack Obama delivers a speech at the...

English: Barack Obama delivers a speech at the University of Southern California (Video of the speech) (Photo credit: Wikipedia)

.. POTUS made an executive move on ObamaCrapCare , today .

.. to be rather blunt , I am not sure that he even has the authority to do it .

.. He does not understand the private sector , at all . That is not surprising , considering the current First Idiot never once held a job in the private sector . One that made a payroll . Dealt with the government on regulations and their effect . and Many other  things …

.. You cannot “un ring the bell . ”

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… What Happens when You are Out …

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 ..

.. 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 !! …

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… Those Morons are Going to Get Nailed on This One [Abortion Funding through the Exchanges] …

Posted by paulfromwloh on Tuesday,October 1st,2013

.. this article , and this stunt by the Office of Personnel Management [O.P.M.] make my stomach turn and retch .

.. this is the relevant section from the article …

The Office of Personnel Management ruled Monday that members of Congress and their staffs will be able to buy health care plans that pay for abortions, even though the premiums are funded largely by taxpayer money — a move that conservatives say breaks federal law on abortion funding.

Under the terms of Obamacare, lawmakers and their aides are required to ditch their government-sponsored plans and buy insurance on state-based health care exchanges, though unlike most people on the exchanges, the staffers and members will have most of the costs of their premiums paid by their employer — in this case, taxpayers.

Federal law generally prevents taxpayer money from being used to pay for abortions, but OPM said the health care plans offered through the exchange were private. The agency also said it will make sure the money is segregated so that the portion that pays for abortions comes out of the employees’ own contributions, which amounts to about a quarter of the premiums.

“While plans with such coverage may be offered on an Exchange, OPM can and will take appropriate administrative steps to ensure that the cost of any such coverage purchased by a member of Congress or a congressional staffer from a designated [exchange] is accounted for and paid by the individual rather than from the government contribution, consistent with the general prohibition on federal funds being used for this purpose,” OPM said in its ruling.

LEC again here — what the OPM is saying is a crock . The health care plans are publically required , and are part of ObamaCrapCare [O.C.C.] legislation . The funding for congressional and staff salaries is PUBLIC , you dummies . What you are doing is against federal law (no taxpayer funding for abortions , period) …

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… It is Bombs Away !! [Employees to Exchanges] …

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
ObamaCrapCare Exchanges

.. 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 …

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… the U.S. Senate , try a Loonie Bin …

Posted by paulfromwloh on Thursday,July 11th,2013

[h/t — the OtherMcCain]

.. As far-fetched as that scenario may seem, no one in 1965 ever imagined that claims of “discrimination” and “sexual harassment” — and the fear of such claims — would result in the situation now so widespread, where lawsuits and threats of lawsuits are a sort of constant threat of blackmail, where disgruntled employees make complaints knowing full well that companies are reluctant to go to court to defend against such claims. Instead, nine times out of 10, the complaining employee is given what’s informally called “go away money,” a settlement usually equivalent to a year’s salary, just so the company can rid itself of the legal nuisance.

.. Oh, and guess what happens to your insurance premiums when “non-discrimination” means that you must hire transsexuals and cover the cost of their surgery and other treatments?

.. People who shrug their shoulders about ENDA and other such nonsense, or who hesitate to denounce it because they don’t want to seem prejudiced, have no idea how all this talk about “fairness” and equality” actually operates, once it becomes law and people start getting sued or fired over flimsy claims of “discrimination.”

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… Spinning Questions , Making Execuses …

Posted by paulfromwloh on Friday,May 17th,2013

.. I long for the days when there were tough questioners around  . Those who not take

any guff or excuses from politicians . Those who would expect a straight answer , and

wait until they got one .

.. They knew that access to their pages or their show was a currency not to be taken

lightly  . The politicians craved it , like moths to a flame . If one did not give

direct answers often , they would be cut off . Not just for weeks . Months . or ,

possibly even for good , to send a message , to make sure that it was sent and received

. Most of the time , it got thru .

.. These days , the press behaves like sheep . They take what they are given , and

print or broadcast what they are told . The authentic practice of journalism seems to

be an afterthought .

.. Where tough questioners are needed , is when there is a scandal or a crisis .

Politicos seem to have an innate tendency to cover up , when they screw up badly . It

is an instinctive trait , but it should not be done . It should be unlearned . It is

wrong , and it should not happen .

.. Answer the friggin question , the way it was asked , not the way that you want to

answer it . People are owed an honest days work for their tax dollar , and that

includes giving straight answers . Also ,

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… you made it , you own it (ObamaCrapCare) …

Posted by paulfromwloh on Sunday,May 12th,2013

.. You may wonder why I call the health care bill , ObamaCrapCare . Considering how much of a disaster that the implementation of the bill has been , so far . What do you think ??

.. One of the easiest reforms that Congress could and should pass is cutting loose the health insurance industry to compete , nationwide . Considering how much fat is in the industry , it could use a swift kick in the pants . It can still make healthy profits , and trim the expenses out of the system . And , if possible , minimize the mandates . The more the mandates you put in the system , the more expensive an insurance policy can tend to get . DUH !!

.. Also , try to understand some of the basics of economics when you go back at it . The laws of supply and demand would be a good place to start . Also , the Law of Unintended Consequences is an oldie , but a goodie . Remember it ,  the next time you dummies try to construct something Rube Goldberg out of something that already works , but only needs reform .

.. Paying attention to human nature would also help . The profit motive , even profiting from saving money on intelligent use of health care spending , would be very helpful .

.. You cannot control costs , without people being sensitive to those costs . If you do not do so , then the results will warp demand , and , ironically , drive up costs .

.. Which is exactly what we are getting now .

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… it is not the “How we do It , ” it is the Final Product that is the Problem …

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 .

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