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How Will You Fare in the Obamacare Exchanges?
Heritage Foundation ^ | Oct. 17, 2013 | Drew Gonshorowski

Posted on 10/17/2013 8:48:39 AM PDT by libstripper

There are literally no comparisons to current rates. That is, [the Department of Health and Human Services] has chosen to dodge the question of whose rates are going up, and how much. Instead they try to distract with a comparison to a hypothetical number that has nothing to do with the actual experience of real people. —Douglas Holtz-Eakin President, American Action Forum[1]

Enrollment in Obamacare’s health insurance exchanges has proven to be a somewhat difficult process amidst technical glitches and delays. Aside from the issues associated with actually purchasing health care, once an individual gets a quote for health insurance on an exchange, is the premium higher or lower than before?

(Excerpt) Read more at heritage.org ...


TOPICS: Business/Economy; Crime/Corruption; Government; News/Current Events
KEYWORDS: 0carenightmare; exchanges; obamacare; obamacareanecdotes; obamacarepremiums; obamacarerollout; obamacarewebsite; premiums
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Brain food for the nitwit 20 somethings who voted for the Mahdi and, maybe, a bit of hope ObamaCare will utterly fail.
1 posted on 10/17/2013 8:48:39 AM PDT by libstripper
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To: libstripper

The problem is that many of the Obama voters are allowed to stay on their parents healthcare until they are 26.In other words they vote for Obama or some other Democrat POS for years before they take the hit.

Ever wonder why they passed that?


2 posted on 10/17/2013 8:51:57 AM PDT by Venturer (Keep Obama and you aint seen nothing yet.)
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To: libstripper

The Government/MSM is going to try to create an environment in which everyone (a) realizes that their health care costs have increased dramatically, and (b) believes that they are the exception.

They are going to pull out all the stops on this. The MSM is going push a propaganda model 24-7.

This will further weaken the credibility of the MSM with everyone except the LIV population.

The “new media” will rise in power as a result. Also as a result, the Government/MSM will increase their attacks on the “new media,” with shut-down being the goal.


3 posted on 10/17/2013 8:56:51 AM PDT by Steely Tom (If the Constitution can be a living document, I guess a corporation can be a person.)
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To: libstripper
I find that when I sign up under the name of someone on the Obama donor list, I get a larger subsidy. But when I sign up using the name of someone on the Ted Cruz donor list, my rates are higher, and I get no subsidy at all.

Why can't they simply publish the rates the insurers are charging and then allow us to sign up directly with them? What are they hiding?

4 posted on 10/17/2013 8:58:23 AM PDT by Hoodat (BENGHAZI - 4 KILLED, 2 MIA)
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To: Venturer

What I can’t believe is why a 26 year old man would want to still be on their parents plan? I would have considered myself a failure if I had to do that at that age.

By age 26, I had a college degree, a full time job, a full time wife, and a mortgage. I was still dumb and wet behind the ears, but I was responsible for myself.

Asking Daddy for something, I would have felt less like a man and more like a pathetic little boy.

Looking around and seeing these 30 yr old men still living at home. How can they look themselves in the mirror?


5 posted on 10/17/2013 8:59:22 AM PDT by skinndogNN
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To: Venturer

That presumes that their parent’s plan is not cut.


6 posted on 10/17/2013 8:59:22 AM PDT by dhs12345
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To: libstripper

Great thread, libstripper...

Great thread.


7 posted on 10/17/2013 9:00:58 AM PDT by rlmorel ("A nation, despicable by its weakness, forfeits even the privilege of being neutral." A. Hamilton)
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To: skinndogNN

Times have changed, my friend.

How they have changed.


8 posted on 10/17/2013 9:02:38 AM PDT by rlmorel ("A nation, despicable by its weakness, forfeits even the privilege of being neutral." A. Hamilton)
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To: Venturer

“The problem is that many of the Obama voters are allowed to stay on their parents healthcare”

Yeah, except the parents will be losing their current plans like everyone and will be forced to go to the insanely priced exchange plans like everyone else too, so the parents might not be able to keep giving junior a free ride anymore.


9 posted on 10/17/2013 9:03:36 AM PDT by catnipman (Cat Nipman: Vote Republican in 2012 and only be called racist one more time!)
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To: catnipman

You point out an excellent problem....


10 posted on 10/17/2013 9:04:39 AM PDT by nascarnation (Frequently wrong but rarely in doubt....)
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To: libstripper

Always remember, Obamacare is not about health care,
it’s all about getting YOU to join the collective.

You WILL be assimilated.


11 posted on 10/17/2013 9:05:15 AM PDT by tet68 ( " We would not die in that man's company, that fears his fellowship to die with us...." Henry V.)
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To: catnipman

Good point. Another lie.
Junior can stay on his parents plan until the parents can’t afford to pay the premium or just gets cancelled outright.
I was watching Fox Business yesterday and one of the Fox reporterettes was telling Stuart Varney that United cancelled her plan because it was not in accordance with the ACA. Expect to see a LOT of that coming down the road. If you like your plan, you can keep it..providing the Marxist HHS secretary allows it.


12 posted on 10/17/2013 9:07:37 AM PDT by Texas resident (The GOP sold us all out.)
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To: libstripper

Being a Canadian, I will fare just fine.


13 posted on 10/17/2013 9:08:27 AM PDT by Jonty30 (What Islam and secularism have in common is that they are both death cults)
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To: libstripper

I checked the Kaiser calculator. (i have been up all night) I wanted to run the numbers. Smokers will be hit with an “up to” 50% surcharge on the exchange premium. That extra money will NOT count toward the “up to” amount on the “subsidy tax credit”. They even ask if your kids smoke. Kids are described as 20 year olds. they don’t ask about Choom.

If you can’t afford your employers insurance, too bad, you are screwed. I ran the numbers on a family of 4, earning 30K and 40K per year. The plans say you can get a tax credit “up to”. The amount they have determined after taxes you NEED to spend is Up to 9.5% of after tax income. With the payments which need to be made during the tax year, then possible refunded, and the huge deductible out of pocket costs, this family living on 40K, is going to need to have an extra 10K lying around. What do they do? not eat? not pay their rent/house payment. So if you are eligible and can’t afford your employers health plan, too bad, so sad. How many workers losing hours are going to be able to pay for this?

If you don’t earn a min amount of money, you don’t qualify. You “may” qualify for Medicaid, but if your State doesn’t have that in the budget, you are screwed, too bad so sad. The man is a liar. The premise of this mess is promises that are lies. Why do 8% of the populations “rights” trump the 90% of the populations “Rights” to their healthcare plan, doctor choice, amount spent?


14 posted on 10/17/2013 9:09:02 AM PDT by machogirl (First they came for my tagline)
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To: catnipman

I wonder how many Obama voters actually have a job and one that offers health insurance?


15 posted on 10/17/2013 9:09:03 AM PDT by Rusty0604
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To: libstripper

has it been reported anywhere that someone not of the welfare class has got a rate lower than they where paying prior?

I didn’t think so


16 posted on 10/17/2013 9:09:52 AM PDT by cableguymn (The founding fathers would be shooting by now..)
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To: Hoodat

The requirement that you log in FIRST, and only then you MIGHT find out what the various plans are, is just an example of GIVING the personal information to the data miners and profilers, for future reference in “outreach” programs.

Selective Service registration, anybody?


17 posted on 10/17/2013 9:11:07 AM PDT by alloysteel (Those who deny natural climate change are forever doomed to stupidity. AGW is a LIE.)
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To: cableguymn

http://kff.org/interactive/subsidy-calculator/


18 posted on 10/17/2013 9:12:19 AM PDT by machogirl (First they came for my tagline)
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To: Hoodat
Why can't they simply publish the rates the insurers are charging and then allow us to sign up directly with them?

Well, they do openly publish rates in my state; I started looking up premiums (and subsidies) half way through September. The exchange plans are unique but in this state only slightly to moderately different from those sold by the insurers directly. The insurers list both but can not sell the exchange plans directly.

I continue to feel that governors who did not implement the state exchanges did no favor to their citizens. Why subject their people to the whims and incompetence of the feds for such an important thing? Seems the residents are going to pay for their governor's obstinacy. It's worst for the childless lowest income people who can neither go on Medicaid or get subsidies.

19 posted on 10/17/2013 9:17:26 AM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: machogirl

“Additionally, states have the option to expand their Medicaid programs to cover all people making up to 138% of the federal poverty level (which is about $33,000 for a family of four). In states that opt out of expanding Medicaid, some people making below this amount will still be eligible for Medicaid, some will be eligible for subsidized coverage through Marketplaces, and others will not be eligible for subsidies.” (He lied, there are still people that can not get insurance, they wrecked the system, and it’s still a mess, but that was their goal. Dependence on the govt. and give up control of your life and freedoms)

Others won’t be eligible for the subsidies. but congress and staff are getting 75% paid, by their employer (us) that they can use. If your employer pays anything for your insurance, you are not eligible for what you have to pay, but congress has that nice little diddy that isn’t technically an exemption but a nice littler perk.


20 posted on 10/17/2013 9:17:31 AM PDT by machogirl (First they came for my tagline)
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To: tet68
Or else.

Remember when this was a free country?


21 posted on 10/17/2013 9:18:05 AM PDT by Travis McGee (www.EnemiesForeignAndDomestic.com)
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To: Travis McGee

yep, i remember the USSR also.


22 posted on 10/17/2013 9:18:59 AM PDT by machogirl (First they came for my tagline)
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To: Hoodat
Why can't they simply publish the rates the insurers are charging and then allow us to sign up directly with them?

Well, they do openly publish rates in my state; I started looking up premiums (and subsidies) half way through September. The exchange plans are unique but in this state only slightly to moderately different from those sold by the insurers directly. The insurers list both but can not sell the exchange plans directly.

I continue to feel that governors who did not implement the state exchanges did no favor to their citizens. Why subject their people to the whims and incompetence of the feds for such an important thing? Seems the residents are going to pay for their governor's obstinacy. It's worst for the childless lowest income people who can neither go on Medicaid or get subsidies.

23 posted on 10/17/2013 9:21:44 AM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: Hoodat

Ironically, the 18-26 year old probably doesn’t cost the insurance company much — a young healthy kid — and they can charge the parents the family rate which is higher than primary plus spouse or just primary.


24 posted on 10/17/2013 9:21:58 AM PDT by dhs12345
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To: Travis McGee

Last night Ted Cruz said the government is not going to do anything about Obamacare. He said it’s up to the American people to do something about it.


25 posted on 10/17/2013 9:23:19 AM PDT by goldi
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To: Steely Tom

My ultimate wish is that the news corporations kick all of obama’s propaganda comrades onto the “exchange”


26 posted on 10/17/2013 9:24:54 AM PDT by jersey117
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To: steve86
Why subject their people to the whims and incompetence of the feds for such an important thing?

I believe that was the point. Why should a state provide cover for the fascist tendency and incompetence of an overreaching federal government?

Seems the residents are going to pay for their governor's obstinacy.

Wnen it comes to expanding Medicaid, our Governor did this state a HUGE service by opting out. I was never a fan of the Governor, but this alone gives me cause to vote for him the next time he runs. In the coming years, the states that expanded Medicaid will find their budgets creeping into the red for years to come as they accommodate the wealth redistribution scheme of their federal overlords. Meanwhile, states like mine will begin to experience a migration as third and fourth generation lifetime welfare recipients will begin to flee in favor of states that implemented the socialist expansion. Those not eligible for subsidies here will relocate to states where they are eligible. So again, my governor deserves nothing but praise for his decision to not help the Obama Administration destroy this country.

27 posted on 10/17/2013 9:27:59 AM PDT by Hoodat (BENGHAZI - 4 KILLED, 2 MIA)
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To: skinndogNN
What I can’t believe is why a 26 year old man would want to still be on their parents plan? I would have considered myself a failure if I had to do that at that age.

By age 26, I had a college degree, a full time job, a full time wife, and a mortgage. I was still dumb and wet behind the ears, but I was responsible for myself.

Asking Daddy for something, I would have felt less like a man and more like a pathetic little boy.

Looking around and seeing these 30 yr old men still living at home. How can they look themselves in the mirror?

yep... just take a look at our culture, as exemplified on television... women, and in particular young girls get all the intelligent lines... the boys and husbands and other various 20 year old males are just props for them, primped up stupid pantry boys, with no guts, just reacting to smart, funny, intelligent women. This is our culture. A culture of strong men, is a thing of the past. And I'm not saying that we need to be a culture dominated by strong men, just a culture in which strong men make up a good part of the population..

As for me, I was out of the house at age 18..

how in the world will we ever win another war on a global scale?

28 posted on 10/17/2013 9:29:12 AM PDT by Chuzzlewit
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To: steve86

“I continue to feel that governors who did not implement the state exchanges did no favor to their citizens. Why subject their people to the whims and incompetence of the feds for such an important thing? Seems the residents are going to pay for their governor’s obstinacy. It’s worst for the childless lowest income people who can neither go on Medicaid or get subsidies.”

What? As opposed to the incompetence of state governments? Colorado just spent between $100 and $200 million on its exchange. It doesn’t work and only 226 people have signed up.


29 posted on 10/17/2013 9:34:21 AM PDT by ModelBreaker
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To: Hoodat

It seems you are going to win with “feel good ideology” and lose in every other respect. Just like the house.


30 posted on 10/17/2013 9:36:19 AM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: ModelBreaker
Colorado just spent between $100 and $200 million on its exchange. It doesn’t work and only 226 people have signed up.

Some states more competent than others. Washington State has over 50,000 enrollments.

31 posted on 10/17/2013 9:37:34 AM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: Travis McGee

Re: the Chase Bank letter. I saw this sourced at Natural News dot com. The author there has been spot on in three or four articles on Obamacare, the EBT shameful act that went on in Louisiana. He checked and Chase Bank is doing this.

What’s your take on this? Is it to assume everyone is a money laundering criminal? Or assuming everyone is guilty of having an offshore account or a symptom of things to come?


32 posted on 10/17/2013 9:41:00 AM PDT by machogirl (First they came for my tagline)
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To: dhs12345
That presumes that their parent’s plan is not cut.

Quite right. People are reporting their entire family plans are being cut loose, with their policies only covering the employee.

33 posted on 10/17/2013 9:47:22 AM PDT by Cyber Liberty (It's hard to accept the truth when the lies were exactly what you wanted to hear.)
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To: Cyber Liberty

Which then leads to the “divorcing” to be able to have insurance.


34 posted on 10/17/2013 9:48:16 AM PDT by machogirl (First they came for my tagline)
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To: steve86
It seems you are going to win with “feel good ideology”

I stopped at the word 'seems' because I saw that I was about to receive your emotional perception in place of any critical thought regarding the facts I just posted. "Feel good ideology"? You are out of your mind.

What part of Medicaid expansion do you not get? States that sign up are now on the hook for life to provide Medicaid coverage to an expanded class of people. And by 'on the hook', I mean that the working citizens of their prospective states will bear the brunt of paying for it. Sure, the federal government is offering 100% pure heroin that first year. But once the state gets hooked, the government starts stepping on that heroin, decreasing its purity down to 90%, then 80%, then 70%. And before you know it, that smack just isn't getting you high any more. Yet you're still hooked, and you keep buying and buying and buying.

Again, I praise my Governor (whom I don't even like) for (as Nancy Reagan would say) "Just saying 'no'".

In coming years, as states like Arizona find it harder and harder to come up with enough cash to pay for a fresh influx of welfare recipients, states like Georgia will be holding the line because they recognized socialism for what it was and chose to opt out.

35 posted on 10/17/2013 9:53:13 AM PDT by Hoodat (BENGHAZI - 4 KILLED, 2 MIA)
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To: machogirl

Sham Divorces. Makes sense.


36 posted on 10/17/2013 9:55:05 AM PDT by Cyber Liberty (It's hard to accept the truth when the lies were exactly what you wanted to hear.)
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To: machogirl

It’s the start of capital flight controls.

Countries with failing currencies do this on the way down. For now, the bank is pretending they are doing it on their own, but obviously the orders come from the treasury.

It is the beginning of an economic Berlin Wall around America. Just a few layers of cement blocks and a bit of wire for today.


37 posted on 10/17/2013 10:09:55 AM PDT by Travis McGee (www.EnemiesForeignAndDomestic.com)
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To: Travis McGee

Thank you. I feared that. You are right, this would be a bad business decision. They got their marching orders and owed Barry for bailout. Wonder which “bank” is next?

this administration is rapid fire, one power grab after another. they have the money, the media, the Courts, ACLU.. I can just imagine every day the talking point arrive in every gov shill office and MSM office every morning like clockwork.


38 posted on 10/17/2013 10:21:46 AM PDT by machogirl (First they came for my tagline)
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To: Hoodat

Yep, I was not happy with Brewer’s decision. All the Illegal Immigrants we have here cost enough. Perhaps if this Country wasn’t supporting 1/5 of Mexico the saved revenue might be enough for some “plan” for the 8% that didn’t have insurance for reasons other than they didn’t want it.

There have been since 2006 or so, Health rating companies. They get around the HIPAA laws by operating as a credit rating company. I had no idea until I tried to get insurance after my divorce (when I was employed) through AETNA, and kept getting asked over and over (4 separate times) did I have diabetes (which was no) and I kept telling them that. The fourth time I found out why they were asking. The Aetna rep told me they had to ask because a health “rating” data company had in their file that I had taken a diabetes drug. My health provider had me try it for an off label use for another issue. I had NO INSURANCE and PAID CASH for the one-time prescription at either Walgreens/CVS/or Target, can’t remember which one. Who entered that info into a health ratings database? No insurance company did. It had to be the pharmacy. Why? Why were they allowed to do that?

These data companies already for years have gotten around Medical Privacy Laws by being allowed to operate like a credit rating company. To Prove I didn’t have diabetes, they wanted me to send them every medical record for the last ten years. I said screw it. I didn’t have the minimum 600 bucks a month anyway. That was less than the food bill for my four kids and I.


39 posted on 10/17/2013 10:35:57 AM PDT by machogirl (First they came for my tagline)
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To: libstripper

The 20-somethings need to understand that premiums will rise under the ACA. There’s no driver within Barry’s socialist scheme to drive down cost. Well...other than rationing and death panels.


40 posted on 10/17/2013 10:36:36 AM PDT by Made In The USA (I'm not yelling, just... just talking enthusiastically..)
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To: machogirl

Wow, that’s scary.


41 posted on 10/17/2013 10:38:04 AM PDT by Hoodat (BENGHAZI - 4 KILLED, 2 MIA)
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To: Hoodat

It is and I didn’t know until I was trying to get my own plan and they don’t tell people. I have never seen a story done on this crap.


42 posted on 10/17/2013 10:40:25 AM PDT by machogirl (First they came for my tagline)
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To: libstripper
Anyone notice the Kaiser website used to calculate what your “subsidies” are under this mess ... is down today.

Interesting. I wonder if it has been shut down due to it informing people of how much more they will be paying and the gov’t doesn't want that info to get out.

43 posted on 10/17/2013 10:45:28 AM PDT by CapnJack
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To: Venturer
"...many of the Obama voters are allowed to stay on their parents healthcare until they are 26.(snip) Ever wonder why they passed that?"

Well, when you consider the additional fact that obama has referred to children as being a "punishment" for parents, it starts to make sense...
44 posted on 10/17/2013 10:46:10 AM PDT by Hegemony Cricket (The emperor < still > has no pedigree.)
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To: Mears

bfl


45 posted on 10/17/2013 10:55:55 AM PDT by Mears (Liberalism is the art ot being easily offended.)
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To: cableguymn

FYI ... Yes, there was one woman in the now famous article regarding “I just didn’t realize I would be the one who was going to pay for it personally.”

http://thabto.wordpress.com/2013/10/07/obamacare-we-knew-it-would-be-bad-but-its-somehow-even-worse/

So, to be fair, there is this ONE case reported where the woman was paying for her own insurance and her rate went down. She has a pre-existing breast cancer condition. Her rates went down a couple hundred a month.

But again, to be fair to you, her employment is listed as “artist”, she lives in the San Fran region, and is 64 years old. I read this as an unrepentant, unenlightened hippy chick for whose past sins we all going to pay for.

And perhaps ALSO receiving some type of aid, but the article doesn’t say that.

I have to wonder if she would have opted for this if she had known that her personal info was going to be readily available to hackers.

I have an open question to ALL Freepers: Does anyone know or can anyone make an educated guess as to whether or not, along with personal financial information, if the indiviual’s medical records could also be accessed through this website??


46 posted on 10/17/2013 11:05:14 AM PDT by stisidore (MM, let's see here)
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To: Travis McGee

Remember when this was a free country?

That’s the problem with getting old, I DO remember
how this country used to be.

God help us.


47 posted on 10/17/2013 11:53:34 AM PDT by tet68 ( " We would not die in that man's company, that fears his fellowship to die with us...." Henry V.)
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To: machogirl

I currently pay 230 a month for 4 people. 2 kids, 2 adults. 3 of us have “pre existing conditions” including type 1 diabetes.

We have no deductibles. 3 dollar drug copay, 3 dollar office visit, 100 dollar ER.

Obamacare after tax payer buy down is 6700 a year plus the 10,000+ deduct.

pass.


48 posted on 10/17/2013 1:30:47 PM PDT by cableguymn (The founding fathers would be shooting by now..)
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To: steve86

They claim to have. is that paying customers or window shoppers?


49 posted on 10/17/2013 1:33:09 PM PDT by cableguymn (The founding fathers would be shooting by now..)
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To: CapnJack

it’s working now. I just used it.


50 posted on 10/17/2013 1:34:47 PM PDT by cableguymn (The founding fathers would be shooting by now..)
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