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Credit scores impacting new Affordable Care Act
ClickOrlando/WKMG ^ | Louis Bolden

Posted on 10/08/2013 6:56:31 PM PDT by moovova

ORLANDO, Fla. - Many people signing up for health care in Florida through the Affordable Care Act have been shocked when they have to give proof of their credit score before they finish the process.

Anne Packham, one of many people licensed by the state to help people navigate the government's website, said on Tuesday that the credit check occurs so providers can make an educated decision about who to insure.

(Excerpt) Read more at clickorlando.com ...


TOPICS: Business/Economy; US: Florida
KEYWORDS: 0carenightmare; aca; affordablecareact; creditcheck; creditscore; obamacare; obamacarepremiums; obamascare; zerocare
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Surprise, surprise, surprise.
1 posted on 10/08/2013 6:56:31 PM PDT by moovova
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To: moovova

HA!!!!!

One of BO’s most ardent supporters, a hateful, detestable woman I worked with, who called anyone who didn’t like him a racist, filed for bankruptcy and is in massive debt again.

Love it when the hammer comes down on their toes.


2 posted on 10/08/2013 6:59:54 PM PDT by Cowgirl of Justice
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To: Cowgirl of Justice

Stupid is supposed to hurt.


3 posted on 10/08/2013 7:00:53 PM PDT by Lurker (Violence is rarely the answer. But when it is it is the only answer.)
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To: moovova
the credit check occurs so providers can make an educated decision about who to insure.

Wait - the government forces you to have insurance, but the insuring agency can deny you on the basis of your credit score?

The poorest affected most!! Isn't that what the liberals scream when they perceive a "right" is being taken away?

4 posted on 10/08/2013 7:02:34 PM PDT by jeffc (The U.S. media are our enemy)
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To: moovova

It would seem that a product one is required to buy, that someone is required to sell regardless of credit. This is designed to fail and bring in single payer.


5 posted on 10/08/2013 7:03:35 PM PDT by DonaldC (A nation cannot stand in the absence of religious principle.)
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To: Cowgirl of Justice

Is she blaming the Tea Party?


6 posted on 10/08/2013 7:03:40 PM PDT by randita
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To: moovova

WTF? This is an improvement in the current system in WHAT way?


7 posted on 10/08/2013 7:04:01 PM PDT by JusPasenThru (Posting here = IRS audit.)
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To: moovova
I have yet to hear a logical reason for insurance companies snooping into your credit score. Auto insurance, maybe on the grounds that a poor credit score is an indicator of a propensity for taking risks. Life insurance, maybe on the grounds that a poor credit score in an indicator for suicide. That's a big stretch.

But too much of a stretch for home owner's or health insurance.

8 posted on 10/08/2013 7:04:31 PM PDT by Vigilanteman (Obama: Fake black man. Fake Messiah. Fake American. How many fakes can you fit in one Zer0?)
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To: moovova

“Anne Packham, one of many people licensed by the state to help people navigate the government’s website, said on Tuesday that the credit check occurs so providers can make an educated decision about who to insure.”

What? I thought that this was the “affordable” care act to insure all the “poor” people that could not afford insurance? I think that by definition poor would go hand in hand with a low credit score. If you don’t have the money to buy something on time payments and are able to make those payments timely you will never have a good credit score. Or like my Mother who pays in cash in full so has no credit.


9 posted on 10/08/2013 7:04:37 PM PDT by Mastador1 (I'll take a bad dog over a good politician any day!)
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To: jeffc

Oh no, it’s not who. It’s a reason to jack the rates they will pay.


10 posted on 10/08/2013 7:05:09 PM PDT by VRWCarea51
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To: moovova
So, this FREE healthcare system is two to three times as expensive as the previous system. And this UNIVERSAL coverage is deniable at will. And this POVERTY-TARGETED coverage denies people in poverty based on credit scores.

Do I have it about right, or is there more?

11 posted on 10/08/2013 7:05:24 PM PDT by Lazamataz (Early 2009 to 7/21/2013 - RIP my little girl Cathy. You were the best cat ever. You will be missed.)
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To: moovova

What, they can’t con the insurers?
Well, that’ll put the stake in it!


12 posted on 10/08/2013 7:06:53 PM PDT by mrsmith (Dumb sluts: Lifeblood of the Media, Backbone of the Democrat Party!)
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To: randita

Last I heard, everything was the ‘Right Wing Nutjobs’ fault but, I am sure she has often used the sexually crude democrap term for Tea Party Members.


13 posted on 10/08/2013 7:08:25 PM PDT by Cowgirl of Justice
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To: moovova

Literally “Zerocare”.


14 posted on 10/08/2013 7:09:20 PM PDT by Olog-hai
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To: Lazamataz

“Do I have it about right, or is there more?”

It was a very short article without a lot of detail. This is the first I’ve heard of a credit score being part of the process. If true...just wow.


15 posted on 10/08/2013 7:10:26 PM PDT by moovova
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To: Lazamataz

worse than that ....poor credit or no credit or only credit was bad suffers the type of remedy coverage

simple deal...can’t make money on sickly poor people


16 posted on 10/08/2013 7:12:25 PM PDT by advertising guy ( if your cell phone is in the front pocket....it wasn't a butt dial..............just sayin)
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To: moovova
...the credit check occurs so providers can make an educated decision about who to insure.

Hmmmmm? No,se puede? Your credit score stinks. No healthcare for you.

17 posted on 10/08/2013 7:13:12 PM PDT by FlingWingFlyer (The DemocRAT Pahtay! Spending our grandchildren's future, today!)
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To: moovova

I believe — without being authoritative here — that it still depends on state laws. In my state credit scores can not be used to determine health insurance eligibility or premiums either before or after ACA. In addition, I ran lots of applicant simulations on my state exchange and never once did ‘credit score’ come up.


18 posted on 10/08/2013 7:13:59 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: moovova

I suspect many low information voters have bad credit scores.

So does this mean no insurance????

Republicans need to hold on until people can get on these websites and try to sign up.

Or maybe that is the reason they aren’t working right now.


19 posted on 10/08/2013 7:14:04 PM PDT by RummyChick
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To: moovova

LOL ... credit check to see if you can pay Comrade. No pay, big fine Comrade. No pay fine Comrade, we built big jailhouse just for you Comrade.


20 posted on 10/08/2013 7:14:22 PM PDT by no-to-illegals (Scrutinize our government and Secure the Blessing of Freedom and Justice)
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To: Mastador1

Let’s recap for the week, shall we.

We find your application will be used for Audit purposes and turned over to LEOs to use at a later date to persecute you.

You must provide credit info. So they have reason to jack your rates thru the roof.

They will use it all combined with data gathered thru the social websites to determine your political affiliation to dictate if you will get that life saving/sustaining procedure or medicine.


21 posted on 10/08/2013 7:14:35 PM PDT by VRWCarea51
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To: RummyChick

Can’t they just claim their bad credit score as a pre-existing condition?!


22 posted on 10/08/2013 7:17:03 PM PDT by Jane Long (While Marxists continue the fundamental transformation of the USA, progressive RINOs assist!)
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To: moovova

LOL

Now that’s funny.


23 posted on 10/08/2013 7:17:26 PM PDT by Vendome (Don't take life so seriously-you won't live through it anyway-Enjoy Yourself ala Louis Prima)
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To: moovova

Seems logical that if one were denied health insurance based on a poor credit score, one would have a very good case for declining to pay the resultant penalty.


24 posted on 10/08/2013 7:18:52 PM PDT by randita
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To: moovova

This thing gets more insane every day. Let’s say they will not insure you because of your credit. Do they then Fine you?


25 posted on 10/08/2013 7:18:54 PM PDT by Venturer (Keep Obama and you aint seen nothing yet.)
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To: steve86

State law may be superceded in a roundabout, unobvious way.

If true, this is the most unreported significant news item since a certain something on a blue dress.


26 posted on 10/08/2013 7:19:59 PM PDT by mrsmith (Dumb sluts: Lifeblood of the Media, Backbone of the Democrat Party!)
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To: Vigilanteman

Thing is I’ve posted this alot is that for Obamcare to work it depends on automatic withdrawal ....millions of folks are default... IRS, alimony...child support..repos...you name it. So they don’t have a checking account it will get seized. That’s why so many currency exchanges open 24 hours.


27 posted on 10/08/2013 7:20:25 PM PDT by Blackirish (Forward Comrades!!!!!!!!!)
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To: moovova
...the credit check occurs so providers can make an educated decision about who to insure.

It ain't "affordable" if you can't afford it.

28 posted on 10/08/2013 7:20:48 PM PDT by E. Pluribus Unum (Who knew that one day professional wrestling would be less fake than professional journalism?)
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To: Jane Long

Absolutely! LOL!


29 posted on 10/08/2013 7:21:19 PM PDT by smoothsailing
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To: moovova

The whole Obamacare website seems to be mainly a data gathering tool, it’s MAJOR purpose, so that’s what they did up front—gathered minutia of personal data. Problem is the data didn’t head for the solution of finding the best health connection for the searcher and got stuck. Almost as if the programmers had never programmed before.


30 posted on 10/08/2013 7:23:51 PM PDT by madison10
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To: Venturer

well they passed it. zer0 signed it. What do you think?


31 posted on 10/08/2013 7:24:15 PM PDT by no-to-illegals (Scrutinize our government and Secure the Blessing of Freedom and Justice)
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To: Venturer

not the point...everyone is insured meanin registered but the issue is the type and depth of coverage

this is the cullin of the herd mechanism weather underground folk alluded to in the 60’s / 70’s


32 posted on 10/08/2013 7:24:53 PM PDT by advertising guy ( if your cell phone is in the front pocket....it wasn't a butt dial..............just sayin)
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To: advertising guy

yep is a mining dream for the irs and other related government agencies. People showing up that never showed up before. Hear tell Donald Duck, Mickey Mouse and Goofy even signed up.


33 posted on 10/08/2013 7:27:15 PM PDT by no-to-illegals (Scrutinize our government and Secure the Blessing of Freedom and Justice)
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To: madison10
The whole Obamacare website seems to be mainly a data gathering tool, it’s MAJOR purpose, so that’s what they did up front—gathered minutia of personal data.

0DeathCare...what the NSA doesn't know about you, *health*.guv will find out ;-)

34 posted on 10/08/2013 7:30:21 PM PDT by Jane Long (While Marxists continue the fundamental transformation of the USA, progressive RINOs assist!)
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To: moovova

Just a timely reminder from the IT world:

Systems run exactly as they are designed to run. No exceptions.


35 posted on 10/08/2013 7:30:27 PM PDT by buffaloguy
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To: Mastador1

Or like my Mother who pays in cash in full so has no credit.”

Really hard to figure out that ideal spot between too much credit and insufficient credit history because you don’t live on credit, particularly as you age beyond 65 and your score goes down anyway.


36 posted on 10/08/2013 7:31:56 PM PDT by Grams A (The Sun will rise in the East in the morning and God is still on his throne.)
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To: Grams A

Really hard to figure out that ideal spot between too much credit and insufficient credit history because you don’t live on credit, particularly as you age beyond 65 and your score goes down anyway.

Well my Mom is 82 owns her home and does not drive so for her it does not matter, unlike most of us.


37 posted on 10/08/2013 7:33:36 PM PDT by Mastador1 (I'll take a bad dog over a good politician any day!)
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To: Jane Long

Hmmmmmmmm - - - ?

Sounds like the pot calling the kettle black.

(No racial, un-PC pun intended).


38 posted on 10/08/2013 7:35:10 PM PDT by Graewoulf (Traitor John Roberts' Marxist Obama'care' Insurance violates U.S. Constitution AND Anti-Trust Law.)
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To: moovova

OMG... this is hilarious!!! Somebody, please pass the popcorn.

If I hadn’t quit drinking many years ago, I’d be drunk right now.... ROFLMAO


39 posted on 10/08/2013 7:36:47 PM PDT by Gator113 (Ted Cruz is settled law.)
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To: steve86

“I ran lots of applicant simulations on my state exchange and never once did ‘credit score’ come up.”

I don’t know...did you officially register?


40 posted on 10/08/2013 7:38:12 PM PDT by moovova
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To: Grams A
yep, it is called give grandma and grandpa no insurance coverage because of low credit score because grandma and grandpa lived on what they grew on the land and paid cash for everything else. Refuse them (grandma and grandpa) insurance after Medicare and, Medicaid are rolled into zer0care. Don't worry, there are no death panels. This is proved fact everyone. zer0 said so ... and we all know zer0 never lies.
41 posted on 10/08/2013 7:38:30 PM PDT by no-to-illegals (Scrutinize our government and Secure the Blessing of Freedom and Justice)
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To: moovova

Yes, officially applied as my own name (for real). Nothing about credit score.


42 posted on 10/08/2013 7:40:32 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: steve86

then I shall stand corrected.


43 posted on 10/08/2013 7:41:37 PM PDT by no-to-illegals (Scrutinize our government and Secure the Blessing of Freedom and Justice)
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To: moovova

I’m just waiting for Obama to come out and say, “I didn’t build that. Someone else made it happen.”


44 posted on 10/08/2013 7:42:48 PM PDT by paint_your_wagon
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To: Cowgirl of Justice

Now that’s a feel good story. :)


45 posted on 10/08/2013 7:44:34 PM PDT by mplsconservative (Barack Hussein 0bama has American blood on HIS hands!)
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To: paint_your_wagon

Instead of Bush’s fault...it was Pelosi’s fault!


46 posted on 10/08/2013 7:45:23 PM PDT by Blackirish (Forward Comrades!!!!!!!!!)
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To: Mastador1

On the other end of the spectrum is my 22 year old grandson. His mom-my daughter- died 11 years ago and so we paid his college tuition and for his pick-up with cash from his trust fund even though his dad wanted him to borrow money for both “to establish credit”. Told him there was plenty of time for that later and if he couldn’t pay cash for something he needed to save up until he could.

He finally has a pretty good job, saves 20 percent of his check and is reasonably thrifty. Of course he doesn’t have a wife or children yet. Will be interesting to see how credit rating issues affect him as he grows older.


47 posted on 10/08/2013 7:45:27 PM PDT by Grams A (The Sun will rise in the East in the morning and God is still on his throne.)
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To: paint_your_wagon

Did you catch Obama’s speech at lunchtime today?

He remarked he’s “...been cutting our deficit by eliminating tax loopholes for the nation’s wealthiest taxpayers and lowest wage earners”....

How does cutting tax loopholes for the lowest wage earners help out the country?


48 posted on 10/08/2013 7:46:02 PM PDT by Cvengr (Adversity in life and death is inevitable. Thru faith in Christ, stress is optional.)
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To: paint_your_wagon

“I’m just waiting for Obama to come out and say, “I didn’t build that. Someone else made it happen.”

BushCare


49 posted on 10/08/2013 7:46:54 PM PDT by moovova
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To: steve86

Maybe it depends on the state...like you mentioned.

Anyway, if true, it’s one more nail in the ACA coffin.


50 posted on 10/08/2013 7:48:34 PM PDT by moovova
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