Information is power. ObamaCare works and is here to stay, so go out into the world and educate people. 2014 is around the corner and we have to be our own news and become even more proactive. Don’t let the media, so called progressive experts or the GOP demoralize you. Even if you only inform one person about the fantastic awesomeness that is ObamaCare, you have created a ripple effect because that person will tell another and another and another. Nobody said implementation of ObamaCare would be easy; Medicare and Social Security had a rough ride initially, but now? Try to mess with them negatively and watch the backlash explode. I will keep on providing tools that will help you disseminate facts and stop the lies.:D
RWJF:Traditionally, individuals considering leaving their job to strike out on their own have worried that they may be denied health insurance coverage because they have preexisting conditions, fear losing access to a trusted physician, or are unable to afford the premiums without an employer sharing the costs. The result is that some U.S. workers feel “job lock,” being tethered to their jobs and unable to leave, even if their skills and talents no longer match their position.
New research estimates that the number of self-employed Americans will be 1.5 million higher in 2014 because of the Affordable Care Act (ACA). Beginning next year, access to high-quality, subsidized health insurance coverage will no longer be exclusively tied to employment, which could lead people to pursue their own businesses as self-employed entrepreneurs.
Denise Early:Around 900,000 people living in Arizona do not have health insurance. Over 90% of them will get help from Obamacare. 94% of uninsured people in Tucson will get help paying for their health insurance under Obamacare, according to Enroll America. Based on census data, 50% of the uninsured in Tucson would qualify for expanded Medicaid. In Arizona, Medicaid is run by AHCCCS, pronounced “access” (Arizona Health Care Cost Containment System). 44% of uninsured Tucsonans would qualify for help with their health insurance premium.
The White House Blog: The Medicare Trustees reported some good news for seniors and taxpayers: The Medicare program will be solvent through 2026, nearly a decade longer than projected at the time of passage of the Affordable Care Act. This is 2 years longer than projected last year. Their annual report also shows that the long run actuarial deficit in the Hospital Insurance Trust Fund – a measure of its long-term fiscal health – has been cut by more than 70 percent since enactment of the health care law. The long-run Medicare deficit has fallen from 3.88 percent of taxable payroll in the 2009 Trustees Report to 1.11 percent in this report.
These long-run gains are matched by short-term relief: the Trustees also project that the Part B premium will not increase between 2013 and 2014, keeping out-of-pocket costs for beneficiaries down. Medicare cost growth has remained at historically low levels over the past three years even as new benefits for preventive care and prescription drugs have helped tens of millions of beneficiaries access care at lower cost. The law reduces prescription drug costs by closing the donut hole, a policy that has already saved more than 6 million seniors more than $700 each. And more than 32 million seniors have accessed a free preventive service under the law, helping them stay healthy and avoid future illness.
Ezra Klein and Evan Soltas: In 2009, the Congressional Budget Office predicted that a medium-level “silver” plan — which covers 70 percent of a beneficiary’s expected health costs — on the California health exchange would cost $5,200 annually. More recently, a report from the consulting firm Milliman predicted it would carry a $450 monthly premium. Yesterday, we got the real numbers. And they’re lower than anyone thought.
The way this competition can drive down rates is already evident in Oregon. There, one insurer came in with monthly premium costs in the $169 range, while other insurers asked to charge more than $400. But then, seeing what their competitors were charging, two insurers came back to the state’s regulators and asked if they could refile at lower rates. Otherwise, they wouldn’t be competitive in the exchange. The Obama administration was ecstatic to see this: It’s exactly what they’re hoping will happen across the country.
USA TODAY: Market forces and an impetus to attract younger, healthier people into the insurance market will help keep health insurance premiums lower as the 2010 health care law takes effect on Jan. 1, industry analysts and insurance officials say.
“If they price too high, young people won’t buy insurance, and that’s going to hurt the companies,” said Jay Angoff, who led initial implementation of the law for HHS. “They need these people to come in. It’s an industry problem.”
Ezra Klein:Last week, California released early information on the rates insurers intend to charge on the new insurance marketplaces — known as “exchanges” — that the state is setting up under Obamacare. They were far lower than anyone expected. “This is a home run for consumers in every region of California,” crowed Peter Lee, director of the state’s exchanges. The Affordable Care Act’s critics saw it differently. Avik Roy, a conservative health writer at Forbes, said Lee was being “misleading” and that “Obamacare, in fact, will increase individual-market premiums in California by as much as 146 percent.” Obamacare, he said, would trigger “rate shock,” the jolt people feel when they see higher rates. Roy got his 146 percent by heading to eHealthInsurance.com, running a search for insurance plans in California and comparing the cost of the cheapest plans to the cost of the plans being offered in the exchanges. That’s not just comparing apples to oranges. It’s comparing apples to oranges that the fruit guy may not even let you buy.
Click to buy the plan and eventually you’ll have to answer pages and pages of questions about your health history. Ever had cancer? How about an ulcer? How about a headache? Do you feel sad when it rains? Is there a history of cardiovascular disease in your family? Have you ever known anyone who had the flu? The actual cost of the plan will depend on how you answer those questions. According to HealthCare.gov, 14 percent of people who try to buy that plan are turned away outright. Another 12 percent are told they’ll have to pay more than $109.
Comparing the pre-underwriting price of this plan to those in Obamacare’s exchanges is ridiculous. The plans in Obamacare’s exchanges have to include those people. They can’t turn anyone away or jack up rates because of a history of arthritis or heart disease. They also have to offer insurance that meets a certain minimum standard. Under Obamacare, for instance, the out-of-pocket limit for someone making 100 to 200 percent of the poverty line is $1,983. Under the Value 4500, you could spend up to $9,500 before the out-of-pocket limit kicked in. Obamacare also has subsidies for people making up to four times the poverty line. The poor pay next to nothing. The rich pay full freight.
Sy Mukherjee: Golden State small businesses and their employees got some great news: two of the state’s largest insurers will have to give them over $36 million in insurance rebates because of an Obamacare consumer protection.
The health law forces insurers to spend at least 80 percent of the premiums they charge on paying for actual medical services, rather than administrative overhead or profits. That means more money for ordinary consumers — and less for profitable insurance companies.
The so-called “80/20 rule” put $1.5 billion back into Americans’ pockets in 2011 alone. The average rebate was $151 per family across all insurance markets, and in states where insurers blatantly gouged prices, average rebates topped a whopping $500 per family.
Now, the benefits for Californians with small business health plans are beginning to materialize. Blue Shield of California will be forced to pay back $24.5 million in rebates. Anthem Blue Cross will have to pay back another $12 million.
Tara Culp-Ressler: A new study focusing on low-income women in St. Louis, MO concludes that expanding access to free contraception — just as the health care reform law does through its provision to provide birth control without a co-pay — leads to significantly lower rates of unintended teen pregnancy and abortion. Researchers found that when women weren’t prohibited by cost, they chose more effective, long-lasting forms of birth control and experienced many fewer unintended pregnancies as a result.
ThinkProgress: Americans who bought individual health plans in 2012 saved $2.1 billion thanks to Obamacare consumer protections that limit how much insurers can profit off of Americans’ premiums, according to a new study by the Kaiser Family Foundation (KFF). The vast majority of those savings stem from individual health plan providers lowering the premiums they charge Americans in an effort to comply with the reform law.
The Kaiser study comes shortly after several major California insurers announced that they would have to pay back $36 million to small businesses and their employees after charging them too much. Obamacare mandates that insurers on the individual market spend at least 80 percent of the premiums they charge on actual medical services, or reimburse the amount they overspent to their customers.
But insurers can avoid writing those checks after-the-fact if they just lower their premiums to begin with — and KFF’s study concludes that’s what many individual plan providers have been doing.
Washington Post: Doing the same thing over and over again — and expecting a different result — is supposed to be the definition of insanity. On Thursday, it is the only thing on the calendar for the House of Representatives.
Since Republicans took over in 2011, the House has voted five times to repeal President Obama’s health-care law. It has also voted 31 other times to repeal individual pieces of the law or to strip away its funding.
Still, on Thursday the House will do it all once more — voting on a new bill to repeal the law. It will pass again. Then it will die in the Senate, again.
Joy-Ann Reid: Amid the uproar, and calls for investigations, over IRS employees using inappropriate criteria and questions to vet applications for 501(c)4 non-profit status by tea party groups, a few facts are falling through the cracks. Among them: tea party groups weren’t the only ones subjected to unfair scrutiny. And while none of the dozens of tea party groups who complained of bias had their applications denied, in the case of at least one Democratic leaning organization, the IRS said “no” to their request to be declared tax exempt.
Ed Kilgore: Well, it doesn’t get much more official than this: an VandeHei/Allen “Behind the Curtain” column announcing that D.C. (“the town”) is “turning on” Barack Obama, and there will be nothing but venom coming from any direction for the foreseeable future
Too bad, voters, and all those who have an interest in their federal government doing something constructive; Obama has to have his spanking from “D.C. stakeholders,” so enjoy it or look the other way.
What amazes me the most about this column is the forthright announcement that the MSM are going to make explicit common cause with the GOP
Think Progress: Saturday marks the three year anniversary of President Obama signing the Patient Protection and Affordable Care Act, the most sweeping overhaul of the U.S. health care system since the enactment of Medicare and Medicaid in 1965. While some the law’s most significant provisions won’t go into full effect until next year, many of its important reforms have already taken hold — and have already changed the lives of real Americans for the better. Here are just a few ways that the Affordable Care Act has bolstered the health and financial security of Americans from all around the country:
Refusing coverage and treatments for sick Americans due to their “pre-existing medical conditions” has always ranked among the insurance industry’s most reviled practices. For decades, Americans have recounted horror stories about battling insurance companies while loved ones suffered — like 4-month-old Alex Lange, who was turned away by an insurer for being born “obese.” Thanks to Obamacare, that’s no longer legal, as the consumer protection for Americans with pre-existing conditions has already gone into effect for children.
Statement by the President on the Anniversary of the Affordable Care Act
Three years ago today, I signed into law the principle that in the wealthiest nation on Earth, no one should go broke just because they get sick. The Affordable Care Act will give hard-working, middle class families the health care security they deserve and protect every American from the worst insurance company abuses. Already, millions of seniors are saving $600 a year on their prescription drugs. Millions of young people have been able to stay on their family’s health plan until age 26. Preventive care, like mammograms for women and wellness visits for seniors, is covered free of charge. Most importantly, for the sake of our fiscal future, the growth of health care costs is beginning to slow. In fact, last year, Medicaid costs fell for the first time in decades.
Because of the Affordable Care Act, insurance companies will no longer have unchecked power to cancel your policy, deny you coverage, or charge women more than men. And soon, no American will ever again be denied care or charged more due to a pre-existing condition, like cancer or even asthma.
Later this year, millions of Americans will finally have the opportunity to buy the same kind of health care Members of Congress give themselves. Beginning in October, you’ll be able to sign up for new private health care plans through a new health insurance marketplace where private plans will compete to save middle class families money. Through these marketplaces, Americans and small business owners will be able to choose from a menu of health plans that fit their budget and provide quality coverage they can count on when they need it most. If you like the plan you have, you can keep it. If you cannot afford a plan, you or your small business may get financial assistance to make it affordable.
There’s more work to do to implement this law, and I look forward to working with leaders of both parties to help Americans save money on health care and extend the security of coverage to every family.
President Barack Obama bends over so the son of a White House staff member can pat his head during a family visit to the Oval Office May 8, 2009. The youngster wanted to see if the President’s haircut felt like his own: