Obamacare: Workplace Disaster Ahead

Townhall.com ^ | January 9, 2014 | Betsey, McCaughey

[bert]

The solution to the Obamacare problem will come quickly once the Obama problem is solved

[House Atreides]

“This is their plan, destroy it and then claim single-payer is the only possible fix.”
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There is ONE THING and ONE THING ONLY that Republicans in the Congress MUST do this spring. And that is to make a very reasonable legislative change to the “Affordable” Care Act (AKA Obamacare). That legislative change would consist of two elements:

1. REQUIRE that the insurance companies participating in the “Affordable” Care Act (ACA), for each of their ACA health insurance policies, release their 2015 policy terms (monthly premium, yearly deductible, annual out-of-pocket maximum, coinsurance percentage and copay amount) to the public not later than October 1, 2014. They also should be required to mail the new 2015 terms to their existing ACA policy holders by September 15th so their policy holders receive it by October 1st.

2. Limit the “Risk Adjustment Payments” for 2015 to no more than 50% (lower would be better) of the losses that the insurance company suffers for 2015. That would help insure that insurance companies have more “skin in the game” when they are deciding upon their 2015 policy terms and thus more likely to set realistic rates. It would also help increase their resistance to threats and “jawboning” from Obama’s thug operatives.

Since participating insurance companies are required to notify the federal government of their 2015 rates in the April/May 2014 time frame, the public notification provision would certainly not be unreasonable or an undue burden for the insurance companies.

This modest and reasonable legislative change SHOULD be included in any legislation increasing the Debt Limit or in any other legislative bill to which it could be attached.

Will John Boehner and Mitch McConnell have the guts and foresight to actually do this? Unfortunately, they likely will lack both the guts and the foresight to do this. If this were done it would be certain that there would be a massive conservative tide coming out of the 2014 elections.

[GeronL]

bump

[BubbaBobTX]

I think people will know before the 2014 election 40% of the small employer plans moved their renewal dates to December to avoid having to comply with ObamaCare until December of 2014. Renewals will start to hit companies in October of 2014 and the rates will need to be significantly higher to comply with ObamaCare.

Expect rate increases of 30 to 60% or higher. The news media can not hide this from the public. This will be THE OCTOBER SURPRISE that should put the nail in the coffin for many of the democRats running for reelection.

[riri]

Yup, my dental hygienist, just today, was telling me Obamacare is going to be good. How her plan ONLY went up $100 and how it's a good thing people are finally going to "have to take responsibility for their health".

I asked how she thought people were going to afford going to the dentist any more. She swore everyone was keeping their plans and their dental insurance. I replied that we are going to turn into Great Britain where no one goes to the dentist.

[wayoverthehill]

I am a senior citizen and am on Medicare. Believe it or not I still pay for it. The premium is taken out of my social security checks, even though I paid into it when I was younger and working

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Me too. Additionally I pay #249 a month for a supplemental policy that pays the 20% Medicare does not pay, and for Part D. All told, $354 for health insurance. But at least I have not had to pay anything out of pocket with the coverage I have.

[wayoverthehill]

True. King Fubo has already handed down the mandate that forbids insurers from issuing cancellation notices until after the election.

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I don’t think so. Employer provided policies have different expiration dates, depending on when the renewals come up. There will be cancellation notices going out all through 2014. I’m sure he WISHES he could stop them but don’t think he will be able to.

[Slyfox]

These employers are free to drop coverage, and many will.

This is the point of Obamacare, to make it so everyone will find Obamacare their only option.

[funfan]

Yep. One problem I see is lot of people are not working because they got laid off because of Obama so I guess the working people will have to pa even more. I hate O I can’t even tell you what I think about him or I would get banned for life.

[funfan]

Did you notice any change in your policy or premium since Obamacare?

[Fresh Wind]

Oops, you’re right. I tracked down my source, and it was a Semmens satire piece.

Snookered again!

[Liz]

As far back as 2008, at the presidential debate in Nashville, Democrat candidate Obama advanced his signature plan that was ultimately enacted (by an historic straight Democrat party-line vote) into the "Affordable Care Act :

OBAMA: "No. 1, let me just repeat, if you’ve got a health care plan that you like, you can keep it. All I’m going to do is help you to lower the premiums on it. You’ll still have choice of doctor.”

Repeated over and over ---- with the promise that every American family would be saving $2500.00 on healthcare costs.

LOCK-STEPPING PARTY LOYALTY NOT SEEN SINCE 1940's ERA EUROPE Obama And The Dumbos marching in lockstep. The persistent Dumbocrat drumbeat ---- in obeisance to Obama ---- kept ringing reassuringly in our ears: "If you like your plan, you can keep your plan."

SEN. HARRY REID (D-Nev.): “In fact, one of our core principles is that if you like the health care you have, you can keep it.” (Sen. Reid, Congressional Record, S.8642, 8/3/09)

SEN. RICHARD DURBIN: “We believe — and we stand by this — if you like your current health insurance plan, you will be able to keep it, plain and simple, straightforward.” (Sen. Durbin, Congressional Record, S.6401, 6/10/09)

SEN. CHUCK SCHUMER (D-NY): “If you like your insurance, you keep it.” (U.S. Senate, Finance Committee, Bill Mark-Up, 9/29/09)

SEN. PATTY MURRAY (D-Wash.): “Again, if you like what you have, you will be able to keep it. Let me say this again: If you like what you have, when our legislation is passed and signed by the President, you will be able to keep it.” (Sen. Murray, Congressional Record, S.6400, 6/10/09)

SEN. MAX BAUCUS (D-Mont.): “That is why one of the central promises of health care reform has been and is: If you like what you have, you can keep it. That is critically important. If a person has a plan, and he or she likes it, he or she can keep it.” (Sen. Baucus, Congressional Record, S.7676, 9/29/10)

SEN. TOM HARKIN (D-Iowa): “One of the things we put in the health care bill when we designed it was the protection for consumers to keep the plan they have if they like it; thus, the term ‘grandfathered plans.’ If you have a plan you like — existing policies — you can keep them. … we said, if you like a plan, you get to keep it, and you can grandfather it in.” (Sen. Harkin, Congressional Record, S.7675-6, 9/29/10)

THEN-REP. TAMMY BALDWIN (D-Wis.): “Under the bill, if you like the insurance you have now, you may keep it and it will improve.” (Rep. Baldwin, Press Release, 3/18/10)

SEN. MARK BEGICH (D-Alaska): “If you got a doctor now, you got a medical professional you want, you get to keep that. If you have an insurance program or a health care policy you want of ideas, make sure you keep it. That you can keep who you want.” (Sen. Begich, Townhall Event, 7/27/09)

SEN. MICHAEL BENNET (D-Colo.): “We should begin with a basic principle: if you have coverage and you like it, you can keep it. If you have your doctor, and you like him or her, you should be able to keep them as well. We will not take that choice away from you.” (Sen. Bennet, Press Release, 6/11/09)

SEN. BARBARA BOXER (D-Calif.): “So we Democrats want people to be able to keep the health care they have. And the answer to that is choice of plans. And in the exchange, we’re going to have lots of different plans, and people will be able to keep the health care coverage they need and they want.” (Sen. Boxer, Press Release, 2/8/11)

SEN. SHERROD BROWN (D-Ohio): “Our Democrat bill says if you have health insurance and you like it, you can keep it…”(Sen. Brown, Congressional Record, S.12612, 12/7/09)

SEN. BEN CARDIN (D-Md.): “For the people of Maryland, this bill will provide a rational way in which they can maintain their existing coverage…” (Sen. Cardin, Congressional Record, S.13798, 12/23/09)

SEN. BOB CASEY (D-Pa.): “I also believe this Democrat legislation and the bill we are going to send to President Obama this fall will also have secure choices. If you like what you have, you like the plan you have, you can keep it. It is not going to change.” (Sen. Casey, Congressional Record, S.8070, 7/24/09)

SEN. KAY HAGAN (D-N.C.): ‘People who have insurance they’re happy with can keep it’ “We need to support the private insurance industry so that people who have insurance they’re happy with can keep it while also providing a backstop option for people without access to affordable coverage.” (“Republicans Vent As Other Compromise Plans Get Aired,” National Journal’s Congress Daily, 6/18/09)

SEN. MARY LANDRIEU (D-La.): “If you like the insurance that you have, you’ll be able to keep it.” (MSNBC’s Hardball, 12/16/09)

SEN. PAT LEAHY (D-Vt.): “[I]f you like the insurance you now have, keep the insurance you have.” (CNN’s “Newsroom,” 10/22/09)

SEN. BOB MENENDEZ (D-N.J.): “If you like what you have, you get to keep it” “Menendez is a member of the Senate Finance Committee, which is expected to release a bill later this week. He stressed that consumers who are satisfied with their plans won’t have to change. ‘If you like what you have, you get to keep it,’ he said.” (“Health Care Plan Would Help N.J., Menendez Says,” The Record, 6/19/09)

SEN. JEFF MERKLEY (D-Oreg.): “[E]nsuring that those who like their insurance get to keep it” “The HELP Committee bill sets forward a historic Democrat plan that will, for the first time in American history, give every American access to affordable health coverage, reduce costs, and increase choice, while ensuring that those who like their insurance get to keep it.” (Sen. Merkley, Press Release, 7/15/09)

SEN. BARBARA MIKULSKI (D-Md.): “It means that if you like the insurance you have now, you can keep it.” (Sen. Mikulski, Press Release, 12/24/09)

SEN. JAY ROCKEFELLER (D-W.Va.): “I want people to know, the President’s promise that if you like the coverage you have today you can keep it is a pledge we intend to keep.” (U.S. Senate, Finance Committee, Hearing, 9/23/09)

SEN. JACK REED (D-R.I.): “If you like the insurance you have, you can choose to keep it.” (Sen. Reed, Town Hall Event, 6/25/09)

SEN. BERNIE SANDERS (I-Vt.): “‘If you have coverage you like, you can keep it,’ says Sen. Sanders.” (“Sick And Wrong,” Rolling Stone, 4/5/10)

SEN. JEANNE SHAHEEN (D-N.H.): ‘if you have health coverage that you like, you get to keep it’ “My understanding … is that … if you have health coverage that you like you can keep it. As I said, you may have missed my remarks at the beginning of the call, but one of the things I that I said as a requirement that I have for supporting a Democrat bill is that if you have health coverage that you like you should be able to keep that. …under every scenario that I’ve seen, if you have health coverage that you like, you get to keep it.” (Sen. Shaheen, “Health Care Questions From Across New Hampshire,” Accessed 11/13/13)

SEN. DEBBIE STABENOW (D-Mich.): “As someone who has a large number of large employers in my state, one of the things I appreciate about the Democrat chairman’s remark is — is the grandfathering provisions, the fact that the people in my state, 60 percent of whom have insurance, are going to be able to keep it. And Mr. Chairman, I appreciate that. That’s a strong commitment. It’s clear in the bill … I appreciate the strong commitment on your part and the president to make sure that if you have your insurance you can keep it. That’s the bottom line for me.” (U.S. Senate, Finance Committee, Bill Mark-Up, 9/24/09)

SEN. JON TESTER (D-Mont.): “‘If you like your coverage, you’ll be able to keep it,’ Tester said, adding that if Medicare changes, it will only become stronger”. (“Tester In Baker To Discuss Health Care,” The Fallon County Times, 11/20/09)

SEN. TOM UDALL (D-N.Mex.): “Some worried reform would alter their current coverage. It won’t. If you like your current plan, you can keep it.” (“What I Learned: About Health Care Reform This Summer, By Your Lawmakers In Congress,” Albuquerque Journal, 9/8/09)

SEN. SHELDON WHITEHOUSE (D-R.I.): “..it honors President Obama’s programs and the promise of all of the Presidential candidates that if you like the plan you have, you get to keep it. You are not forced out of anything.” (Sen. Whitehouse, Congressional Record, S.8668, 8/3/09)

Sen. Al Franken (D-Minn.) the 60th vote on Obamacare: "people who are happy with their current plan, wouldn't need to change it."

FRANKEN YOUTUBE SOUND BITE http://www.youtube.com/watch?v=UCZmAYYNz8Ihttp://www.youtube.com/watch? v=UCZmAYYNz8I