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The UN-Affordable Care Act
Townhall.com ^ | November 2, 2013 | Ed Feulner

Posted on 11/02/2013 8:26:19 AM PDT by Kaslin

So how much more is your health insurance going to cost you?

That’s the question, really, as Obamacare begins taking effect and the stories pour in from around the country: how much your premiums are going up, not if they are.

Rising costs are a fact of life, but the changes Americans are seeing as a result of the president’s signature law are putting the “shock” in “sticker shock.” I recently had lunch with a friend who said his perfectly healthy 28-year old son had just received a notice from Blue Cross-Blue Shield of Illinois that on Jan. 1, his monthly premium will go from $90 to $268.

It’s no coincidence that this is the effective date of the first phase of Obamacare -- whose formal name, the Affordable Care Act, looks increasingly ironic with each passing day.

This 28-year-old is far from alone. Americans everywhere are getting such letters, as insurance companies and employers are forced to explain how the new law is necessitating much higher premiums.

Take Ben Neptun and his wife, Charla. Home health nurses in Mobile, Ala., they each make about $23 an hour, and manage a tight budget for their blended family of five -- a 15-year-old, a 2-year-old, and a 10-month-old. According to Ben, “there’s no room for several hundred dollars extra per month” in their budget.

Unfortunately, that’s exactly what they’re going to need, thanks to Obamacare.

The Neptuns buy their health insurance directly from Blue Cross-Blue Shield. They currently spend about $2,000 a year (not including the monthly premium) on health care for the family. But like so many other Americans, they recently got the dreaded letter -- and learned that their premiums will more than double, from $419 to $899.

“Thousands of Californians are discovering what Obamacare will cost them,” begins an article in the Los Angeles Times, “and many don't like what they see.”

Think about how changes like this affect the economy. If you suddenly have to come up with an extra $200, $300, $400 a month (or more), what do you do? You economize. You eat out less. You drive that old car even longer. You put off moving. You stop saving what little money you were putting aside. You contribute less to retirement funds.

What if you’re an employer? You have to cope with these skyrocketing costs, too, and in the same way: by economizing. You delay making necessary changes to improve your business. You rely on old equipment for longer. You reluctantly raise prices, knowing it will cost you customers. You cut back on hours for your employees.

Most importantly? You stop hiring.

According to a new Gallup survey, two out of every five small-business owners report that they are holding off on hiring because of Obamacare. They need employees, yes, but they also need to be able to afford them. And the changes brought about by the new health care law have made affordability a thing of the past.

Just ask the Federal Reserve, which regularly collects feedback from businesses and issues reports about the economic outlook. “Many contacts also commented on reluctance to expand due to uncertainty surrounding the Affordable Care Act; some employers cut hours or employees,” the Reserve says in its latest report.

So we see the fallout from Obamacare even before it takes full effect: Workers facing soaring additional costs for health coverage -- even as their hours are cut, leaving them with even smaller paychecks. Employers refusing to hire. And each group feverishly looking for ways to cut costs.

Small wonder that Ben Neptun says he’d “rather file bankruptcy and do without health insurance” because “the fines are less.”

There are financially sound ways to reform health care so that more people get the coverage they need. The UN-Affordable Care Act doesn’t come close.


TOPICS: Culture/Society; Editorial; Government
KEYWORDS: 0bamacare; healthcarecost; perfecttitle; premiums

1 posted on 11/02/2013 8:26:19 AM PDT by Kaslin
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To: Kaslin
the fact that the website...is referred to...as THE MARKETPLACE...is monsterously cynical, to the point of being hysterically funny.

REAL MARKETPLACES do not demand one to do business in them.




2 posted on 11/02/2013 8:30:00 AM PDT by MeshugeMikey ( Visit http://icantenroll.com/ In Glitch We Trust....;o})
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To: Kaslin

Many businesses are going to respond by rising prices, causing inflation so things that were formerly affordable are now less affordable. ObamaCare essentially demands that we all have cadillac health plans whether we can afford them or not.


3 posted on 11/02/2013 8:35:13 AM PDT by OrangeHoof (Howdy to all you government agents spying on me.)
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To: OrangeHoof

You can thank the rats and the main rat at the Spite House for it.


4 posted on 11/02/2013 8:38:35 AM PDT by Kaslin (He needed the ignorant to reelect him, and he got them. Now we all have to pay the consequenses)
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To: Kaslin

Being that the admitted foreign born twice unconstitutionally elected Islamic Marxist lied about Obamacare and on national TV no less, couldn’t that be seen as deception in the courts and therefore have the whole thing overturned? See, if the government forces me to buy a car sight unseen or pay a fine and they tell me the car has an engine and I go and buy it and I find it has no engine am I therefore stuck with that car? That’s flat out fraud and deception because you could say if I knew it had no engine I would have paid the fine instead because what use is the car? The same thing is going on here with Obamascam. They are forcing you to buy a companies product or pay a fine and they lied about it.


5 posted on 11/02/2013 8:47:43 AM PDT by GrandJediMasterYoda (What do we want? Time travel. When do we want it? It's irrelevant.)
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To: Kaslin

That’s right. As much grief as we give them, no Republicans voted for it.
This is pure donkey, all on the Democrats.
Obama’s war on the middle class, year 5.
As someone stated elsewhere ‘and if you think these rates are high see what they’re like when 30 million border jumpers, their families, shirt-tail relatives and friends tuck into this “affordable”/free system of healthcare.


6 posted on 11/02/2013 8:50:40 AM PDT by tumblindice (America's founding fathers: All armed conservatives.)
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To: MeshugeMikey

Wait a moment. Lets say i am a 27 year old male or female and i do not want to have health insurance in any manner and i do not buy any and simply refuse to buy any. I am unemployed, pay no taxes and live off my parents, do not own anything. What can “The State” do to me? Since i have no income i am not taxed and refuse all assistance or tax refunds. Are they going to make me get a job so i can pay into the system? If so shouldn’t ALL people living off “The State” be forced to get a job so they can buy in “The State” run plans? How can it be Constitutional to force me to buy something? Can they next force me to buy a car or shoes or even ok lets say gay sex toys? Dunno where the last one came from but as a citizen of the United States i do not see it anywhere that says the government (”The State”) can force me to buy something ever. Has this been challenged in the courts? If so anyone that says i must buy something can kiss my ass. I refuse.


7 posted on 11/02/2013 8:59:47 AM PDT by Plumberman27
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To: Plumberman27
How can it be Constitutional to force me to buy something? Can they next force me to buy a car or shoes or even ok lets say gay sex toys?

_______________________________

AHAHAHAHAHA GREAT QUESTION OF THE YEAR



NOT CONSTITUTIONALLY they cant!

a TAX ..can not force one to Make a PURCHASE...and a TAX is how the allegedly supreme court...... defined the ACA .

this is no MARKETPLACE..its a comcentration camp cafeteria




8 posted on 11/02/2013 9:05:50 AM PDT by MeshugeMikey ( Visit http://icantenroll.com/ In Glitch We Trust....;o})
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To: Plumberman27

OK, i reply to myself. A better example. I am 70 years old. I want insurance but i do not need to be covered for maternity needs in any manner. I do not need to be covered for AIDS treatments in any manner. I am sane so i do not need insurance for mental help or marital counseling. I do not smoke and nobody ever died in my family from cancer so i do not need that. I do not take part in risky activities. exercise daily, eat properly, and live a clean life. Why do i need maternity care included or AIDS treatment included. Say i am rich take all my investments and convert them to cash and gold. I buy everything with cash and I refuse social security and medicare, Medicaid and all the other horseshit given away by the government. I have no money in the bank and i keep it all in my own safe at home deep in the woods and guarded by me and my guns. I refuse to buy something i do not need. What are you going to do to me if i refuse to “Comply with The State”?


9 posted on 11/02/2013 9:11:47 AM PDT by Plumberman27
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To: MeshugeMikey

Well, WTF! why are we getting this sh*t shoved down our throats? This is bull sh*t and these people need removed from office. Every last one of them. I was under the impression that Congress can pass no law that it does not abide by. Again, WTF! Why are these hogs exempt? Is the Senate held to the same standard as Congress? What about the guy in the White House? This is not what this country is about. This has become a dictatorship and that is a lot of bunk! Time for a Revolution.


10 posted on 11/02/2013 9:16:39 AM PDT by Plumberman27
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To: Plumberman27
the SCOFFLAWS have ABSCONDED...with our Liberties!

the very oh so clever definition of this LAW as a TAX.....was a red flag that may not have been that overtly CLEAR when the Supremes managed to redefine the word but it most certainly is NOW.

As I understand it...the penalties can ONLY be taken form Income Tax Refunds.

No Refund...No Theft! if you catch my drift




11 posted on 11/02/2013 9:21:06 AM PDT by MeshugeMikey ( Visit http://icantenroll.com/ In Glitch We Trust....;o})
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To: Plumberman27
allegedly and perhasp that should be capitalized highlighted and in italics...

ALLEGEDLY...they can legally do nothing but siphon off the "penalities"...from the amount owed in an Federal income tax refund.

That means very little to these SCOFFLAWS..because as we are all TOO FAMILIAR with thier regard for the LAW....they simply do what they will REGARDLESS of the law.

Im not looking forward to seeing what happens when push comes to shove with this bunch of thieves!




12 posted on 11/02/2013 9:26:26 AM PDT by MeshugeMikey ( Visit http://icantenroll.com/ In Glitch We Trust....;o})
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To: Plumberman27
What are you going to do to me if i refuse to “Comply with The State”?

Ultimately they will do what all governments do when you refuse to obey. They will kill you.

"Government is not reason; it is not eloquent; it is force. Like fire, it is a dangerous servant and a fearful master." - George Washington

13 posted on 11/02/2013 9:31:12 AM PDT by seowulf ("If you write a whole line of zeroes, it's still---nothing"...Kira Alexandrovna Argounova)
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To: Kaslin

I could fix health insurance problems for $0.

1. No insurance from employers, other than accident. Employers cover all accidents whether on the job or not (as done in Switzerland). Those who are currently providing health insurance for their employees, give them that amount as part of their salary.

2. Insurance allowed to be sold across state lines.

3. Every insurance co doing business in the USA is mandated to provide for sale a low cost bare bones coverage to anyone wanting it. This coverage gives the poor person a chance to visit a doctor (not any doctor, lower amount of care) and a hospital if very sick or hurt, ward style care, not as much attention, but decent cheap care. (As done in Switzerland)

Insurance companies sell only to individuals and families, but they can be free to make their own kinds of groups or deals as they see fit as free markets allow.

Government get out of the way and watch health insurance plans get creative and people will find deals online or in other states for anything. Let the creativity of the marketplace grow.


14 posted on 11/02/2013 9:47:26 AM PDT by Yaelle
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To: Kaslin
“Many contacts also commented on reluctance to expand due to uncertainty surrounding the Affordable Care Act"

This is no longer true. Now businesses are reluctant to expand due to CERTAINTY surrounding the Affordable Care Act.

15 posted on 11/02/2013 10:05:48 AM PDT by norwaypinesavage (Galileo: In science, the authority of a thousand is not worth the humble reasoning of one individual)
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To: MeshugeMikey

Nice typo.


16 posted on 11/02/2013 10:15:00 AM PDT by upchuck (I've got maternity care via Obamacare! Now, if I could just figure out how a male gets pregnant...)
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To: upchuck
when youre ripping through the creation of such stuff things happen




17 posted on 11/02/2013 10:19:19 AM PDT by MeshugeMikey ( Visit http://icantenroll.com/ In Glitch We Trust....;o})
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To: Kaslin
You contribute less to retirement funds.

OH!

A bonus for Obama and the Democreeps.

With this they have a new plug for their other pet project of socializing 401Ks

Only rich people have 401Ks so we should equalize this retirement program and role it in to Social Security.

The Left will never leave productive people alone.

18 posted on 11/02/2013 10:53:15 AM PDT by Pontiac (The welfare state must fail because it is contrary to human nature and diminishes the human spirit.)
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To: All
The [Hussein’s] UN-Affordable Care act

A FReeper suggested that the ACA be called Hussein’s UnAffordable Care (HUAC)

Yes it is popularly labeled Obamacare like two decades ago it was called Hillarycare. No one is suggesting a substitute.

But using one of the left's all time favorite pejorative expressions against one of their all time favorite laws is proper justice.

19 posted on 11/02/2013 11:15:40 AM PDT by WilliamofCarmichael (If modern America's Man on Horseback is out there, Get on the damn horse already!)
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To: Yaelle

I would like my auto insurer (State Farm) to sell me some health insurance, de-coupling me from my employer who I buy it from/with.

I already have 4 policies with State Farm, not just auto, plus a truck loan, and it’d be convenient if they broke into health insurance, I’d use them.


20 posted on 11/02/2013 11:30:25 AM PDT by txhurl ('The DOG ate my homework. That homework, too. ALL my homework. OK?' - POSHITUS)
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To: MeshugeMikey

More better!


21 posted on 11/02/2013 2:49:59 PM PDT by upchuck (I've got maternity care via Obamacare! Now, if I could just figure out how a male gets pregnant...)
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