‘The Affordable Care Act: 5 Years Later’ (WH.gov)

LL, your argument is simply not valid.

1. The health insurance companies control what the price of the premium and deductible will be. The health insurance companies decide if they are going to sell policies in the individual market on the government exchanges. The health insurance companies control which doctors are in their network (not the Federal Government) and this can change from year to year.

2. Their were grandfather rules in the ACA to allow people to keep their old policies. The health insurance companies simply did not comply with that rule. They did not want to maintain two types of policies in their system in most cases. Some insurance companies followed the rule most did not.

3. The health insurance companies are not being driven out of business. For the last accounting year some health insurance companies lost money in certain states because a majority of the policyholders in that state were high risk and claims paid out was greater than premiums collected. The individual mandate was put in place to get low risk people to sign up. There is no Ponzi scheme. In auto insurance All State, State Farm, Geico, Farmers, etc. are not going to make a profit if all of their policyholders are bad drivers and have accidents. The risk pool has to have a mix.

4. It's true that Harry Reid wants a single payer system. The committee that was chaired by the former Senator Max Baucus did not have that goal when they wrote the ACA legislation and voted to pass the bill out of committee and to the floor of the senate where all bills go before they can be passed into law.

All of the committee meetings on the ACA bill were televised on C-SPAN at night if you wanted to watch. Check your local cable system provider to see if they have C-SPAN. Originally Posted by flghtr65

Communist Goals... rule... "32. Support any socialist movement to give centralized control over any part of the culture--education, social agencies, welfare programs, mental health clinics, etc."

http://www.uhuh.com/nwo/communism/comgoals.htm




.

Pre existing condition consumers could have been placed in a high risk insurance pool and federal subsidies provided.......simple, would have had bi-partisan support, and wouldn't require massive reorganizing of our insurance paradigm.

But Obama wanted the massive federal bureaucracy to take over a significant portion of the health insurance....part of his transformation...making Americans more dependent on the federal government. Originally Posted by Whirlaway

The ACA bill was written by the committee that was chaired by former Senator Max Baucus. Obama did not write the bill.

Federal subsidies are given to people who purchase health insurance on the government exchanges and they fall into a category of (Family of 4 and income is > $24,000 and < $94,000).

Nothing changed for people who get their heath insurance from their employer, which is about 80% of all citizens under age 65.

Communist Goals... rule... "32. Support any socialist movement to give centralized control over any part of the culture--education, social agencies, welfare programs, mental health clinics, etc."

http://www.uhuh.com/nwo/communism/comgoals.htm




. Originally Posted by IIFFOFRDB

The health insurance companies are IN CONTROL. The health insurance companies collect premiums and pay out the claims not the FEDERAL GOVERNMENT.

The ACA is not a single payer system like Canada and Great Britain.

Is Medicare PART D an entitlement that was signed into Law by BUSH43 socialist?

Why don't you write Breibart and ask them, since that is where you get all your information from.

Absolute bullshit.......

1) I never said Obama wrote the law......no president writes the law.

2) When someone tells you "nothing", you know they are lying. For you to make the claim that "nothing changed" for employer based healthcare is laughable, and typical of left wing spin on Obamacare.

Employer based healthcare has changed in numerous ways....You want to make a bet I can list at least 3?

It is telling that even after Obamacare has been operating for years; the Obama sycophants feel it is necessary to keep lying about it.

...

Nothing changed for people who get their heath insurance from their employer, which is about 80% of all citizens under age 65. Originally Posted by flghtr65

THE RIGHT PRESCRIPTION
READY FOR ANOTHER OBAMACARE PRICE HIKE?
The price of “free” health care is about to go up again. Originally Posted by IIFFOFRDB

Stop lying! No one EVERY claimed Obamacare was free.

The ACA does expand Medicaid coverage to a larger pool, but that is DEFINITELY NOT "free" healthcare for everyone.

As for health care premium increases, WHERE HAVE YOU BEEN FOR THE LAST 15 years?

Health care costs, and therefore health care premiums rise each year.

Since the implementation of the ACA, that rise in costs and premiums has BEEN AT A LOWER RATE.

Premiums, FOR PEOPLE BUYING INSURANCE THROUGH THE STATE EXCHANGES, is expected to rise more next year than years past. This is because health insurers say more people used more health services last year. This is due to many newly insured getting health care for problems they ignored in the past, and for others who ignored elective procedures during the recession.

I would ask, WHAT IS THE REPUBLICAN ALTERNATIVE to increase coverage and help control costs? NOTHING! NOTHING!!

Absolute bullshit.......

2) When someone tells you "nothing", you know they are lying. For you to make the claim that "nothing changed" for employer based healthcare is laughable, and typical of left wing spin on Obamacare.

Employer based healthcare has changed in numerous ways....You want to make a bet I can list at least 3? Originally Posted by Whirlaway

How has employer-based health care changed NEGATIVELY due to the ACA?

The ACA does require all policies to meet certain minimum standards, but why is that bad?

Communist Goals... rule... "32. Support any socialist movement to give centralized control over any part of the culture--education, social agencies, welfare programs, mental health clinics, etc."

http://www.uhuh.com/nwo/communism/comgoals.htm Originally Posted by IIFFOFRDB

You really are CLUELESS.

Medicine in the U.S. is NOT "socialized". We still have private insurers, private doctors, and private hospitals.

The ONLY health care system in the U.S. that is even somewhat close to being "socialized" is Medicare, which is a PRIVATE system with a single payer -- the U.S. Government.

And just FYI, Medicare is EXTREMELY POPULAR, and it is run reasonably efficiently.

Wow. That took about 3 minutes.......backtracking from the Obamacare "Changed Nothing" mantra....to all the changes are for the better............


Flip Flop Much?

How has employer-based health care changed NEGATIVELY due to the ACA?

The ACA does require all policies to meet certain minimum standards, but why is that bad? Originally Posted by PizzaLover

Wow. That took about 3 minutes.......backtracking from the Obamacare "Changed Nothing" mantra....to all the changes are for the better............


Flip Flop Much? Originally Posted by Whirlaway

WRONG! I NEVER said "Obamacare changed nothing". Stop lying. Others might have made that statement but I didn't.

I SAID the ACA did not change much for employer-based insurance. And that is a true statement.

I am still waiting for you to detail how the ACA has NEGATIVELY IMPACTED employer-based insurance.

I only know of two impacts, both of which I would not describe as negative"
-- minimum required coverage in all U.S. health plans
-- a tax on super premium plans (Cadillac plans)

You jumped to Flighty's defense; he made the claim..................you defended him.

WRONG! I NEVER said "Obamacare changed nothing". Stop lying. Others might have made that statement but I didn't.

I SAID the ACA did not change much for employer-based insurance. And that is a true statement.

I am still waiting for you to detail how the ACA has NEGATIVELY IMPACTED employer-based insurance.

I only know of two impacts, both of which I would not describe as negative"
-- minimum required coverage in all U.S. health plans
-- a tax on super premium plans (Cadillac plans) Originally Posted by PizzaLover

And the under reported dirty secret of Obamacare is that Premiums have continued to increase (at more moderate rates); however, deductibles (out of pocket expenses) have skyrocketed.

Net Net, Obamacare is a terrible deal for most consumers. From a recent USA Today article:

It's a deep and common concern across the USA, where employer plans cover 60% of working-age Americans, or about 150 million people. Coverage long considered the gold standard of health insurance now often requires workers to pay so much out-of-pocket that many feel they must skip doctor visits, put off medical procedures, avoid filling prescriptions and ration pills — much as the uninsured have done.

And the under reported dirty secret of Obamacare is that Premiums have continued to increase (at more moderate rates); however, deductibles (out of pocket expenses) have skyrocketed. Originally Posted by Whirlaway

WRONG AGAIN!

Private health insurers are free to craft health care plans as they see fit. All health care plans balance premium cost with deductibles.

For example, I can buy a health care plan in KS, that includes the same benefits, but the plan is offered in many versions, each version differing only by the premium and deductible. I can buy the plan with the high premium and lower deductible, or I can buy the plan with the lower premium and higher deductible.

Health insurers HAVE offered more plans with higher deductibles, BUT THAT IS NOT A FUNCTION OF THE ACA! This is a function of health insurance companies (and employers) trying to control costs.

You must not understand how insurance works. Insurance providers look at their real costs based on a particular pool of people, and the insurance plans are based on recovering those costs (plus a profit).

The sad fact is nothing has been really done to control medical costs in the U.S. and U.S. health care costs continue to rise.

You probably don't realize this but high deductibles are supported by Republicans. During the 2012 election Mitt Romney suggested ALL health care plans should have high deductibles, since it makes people aware of the true cost of health care. I actually agree with him on this point, because it attempts to allow people to control costs.

They are not "free to craft health care plans as they see fit"................

You just making shit up.................


The ACA mandated changes to employer based health plans...i thought you admitted to that in the previous post....

you fucking moron.........

WRONG AGAIN!

Private health insurers are free to craft health care plans as they see fit. All health care plans balance premium cost with deductibles.

. Originally Posted by PizzaLover

They are not "free to craft health care plans as they see fit"................

You just making shit up.................


The ACA mandated changes to employer based health plans...i thought you admitted to that in the previous post..... Originally Posted by Whirlaway

STOP LYING!

I already mentioned that the ACA has required minimum standards that all U.S. health plans must abide by.

THAT IS NOT WHAT WE WERE DISCUSSING.

You were talking about health care premiums and deductibles.

It is TRUE that health insurance companies are free to craft health care plans as they see fit.

I notice you did not actually respond to my comments about premiums and deductibles. I guess you just can't provide a real rebuttal.


P.S. -- I am STILL WAITING for you describe the NEGATIVE IMPACTS of the ACA on employer-based health plans.

And the under reported dirty secret of Obamacare is that Premiums have continued to increase (at more moderate rates); however, deductibles (out of pocket expenses) have skyrocketed.

Net Net, Obamacare is a terrible deal for most consumers. From a recent USA Today article:

It's a deep and common concern across the USA, where employer plans cover 60% of working-age Americans, or about 150 million people. Coverage long considered the gold standard of health insurance now often requires workers to pay so much out-of-pocket that many feel they must skip doctor visits, put off medical procedures, avoid filling prescriptions and ration pills — much as the uninsured have done.

Originally Posted by Whirlaway

They were always going to increase, this is about slowing the increase, which you yourself admit is happening. You're angry at obamacare for not doing something that was never going to happen anyway.