OBAMACARE: Will Increase Avg. Individual-Market Insurance Premiums By 99% For Men, 62% For Women

You personify ignorance, CBJ7. Several provisions of the law are already in effect. Originally Posted by I B Hankering

not the provision that requires everyone to have an ins policy ... like the businesses that are laying off people TODAY because they aren't required to provide employee insurance until this coming January ..

You are so very wrong! Odumbocare redefined the work week and put burdensome obligations on individuals and employers that never existed before. Plus, it expanded the government's bureaucracy to manage and enforce the law.
Originally Posted by I B Hankering

That part is put off till 2015 in hopes of easing the burden on fast food industry.

not the provision that requires everyone to have an ins policy ... like the businesses that are laying off people TODAY because they aren't required to provide employee insurance until this coming January .. Originally Posted by CJ7

But only an ignorant lib-retard like you, CBJ7, can dissassociate what is happening TODAY because of Odumbocare from Odumbocare.

But only an ignorant lib-retard like you, CBJ7, can dissassociate what is happening TODAY because of Odumbocare from Odumbocare.
Originally Posted by I B Hankering

so here are the provision in effect ..

The most popular provision currently in effect is the requirement that individual and group health insurance policies allow young adults (up to age 26) to remain covered as dependents on their parents’ policies. The overall goal of the ACA is to ensure that everyone in America has health insurance coverage. Young adults frequently do not buy health insurance policies because they cannot afford the premiums or think they don’t need health insurance. Allowing them to remain covered on their parents’ policies up to age 26 is a good way to ensure that a large group of young adults have health insurance. This section of the ACA applies to all insurance plans which took effect or were renewed after September 23, 2010.
The ACA prohibits insurance companies from utilizing certain restrictive measures which deny insurance coverage to people that need coverage the most. Beginning with policies issued or renewed after September 23, 2010, a health insurance plan shall not:
1) Place a lifetime limit on the amount of coverage available to an individual;
2) Eliminate coverage for a person after the person gets sick (except in cases of fraud); or
3) Deny coverage for a child based on a pre-existing condition.
The Department of Health and Human Services has also limited, by rule, the extent to which an insurance plan may impose annual limits on coverage for an individual. These provisions of the ACA are intended to eliminate the most abusive practices of insurance companies in furtherance of the goal of making sure every person in America has health insurance.
If the ACA is not amended or repealed after the new Congress and the new President take office next year, insurance companies will be further prohibited (beginning in 2014) from denying coverage to adults who have a pre-existing condition. In the interim (2010-2014), the ACA has created a temporary government-run program that allows adults who have been without coverage for at least six months to purchase insurance through a subsidized high-risk pool.
The ACA allows a small employer (defined as a business with no more than 25 employees whose annual wages average $50,000 or less) to take a federal income tax credit up to 35% of the costs incurred by the business in providing health insurance for its employees. This tax credit is intended to encourage small businesses to provide health coverage for their employees.
In an effort to promote preventive care, the ACA requires insurance plans to cover preventive services without charging a deductible or co-payment that must be paid by the patient. The Department of Health and Human Services has issued rules specifying the preventive services that are covered by this provision of the law. Beginning on January 1, 2011, the ACA also eliminated all cost-sharing required of patients receiving Medicare-covered preventive services.
Another important ACA provision which took effect last year requires each insurance company to report the percentage of insurance premium dollars it spent on clinical services and quality control. If this percentage falls below 85% for large group plans or 80% for small group and individual plans on an annual basis, the company has to pay rebates to its subscribers. This provision was intended to force insurance companies to use the bulk of premium dollars they receive from their subscribers for health care services rather than for internal administrative costs or to bolster their profits.


employers are cutting employee hours and laying off workers because why?

so here are the provision in effect ..

The most popular provision currently in effect is the requirement that individual and group health insurance policies allow young adults (up to age 26) to remain covered as dependents on their parents’ policies. The overall goal of the ACA is to ensure that everyone in America has health insurance coverage. Young adults frequently do not buy health insurance policies because they cannot afford the premiums or think they don’t need health insurance. Allowing them to remain covered on their parents’ policies up to age 26 is a good way to ensure that a large group of young adults have health insurance. This section of the ACA applies to all insurance plans which took effect or were renewed after September 23, 2010.

Prohibition of Restrictive Insurance Provisions

The ACA prohibits insurance companies from utilizing certain restrictive measures which deny insurance coverage to people that need coverage the most. Beginning with policies issued or renewed after September 23, 2010, a health insurance plan shall not:
1) Place a lifetime limit on the amount of coverage available to an individual;
2) Eliminate coverage for a person after the person gets sick (except in cases of fraud); or
3) Deny coverage for a child based on a pre-existing condition.
The Department of Health and Human Services has also limited, by rule, the extent to which an insurance plan may impose annual limits on coverage for an individual. These provisions of the ACA are intended to eliminate the most abusive practices of insurance companies in furtherance of the goal of making sure every person in America has health insurance.
If the ACA is not amended or repealed after the new Congress and the new President take office next year, insurance companies will be further prohibited (beginning in 2014) from denying coverage to adults who have a pre-existing condition. In the interim (2010-2014), the ACA has created a temporary government-run program that allows adults who have been without coverage for at least six months to purchase insurance through a subsidized high-risk pool.

Tax Credits for Small Businesses

The ACA allows a small employer (defined as a business with no more than 25 employees whose annual wages average $50,000 or less) to take a federal income tax credit up to 35% of the costs incurred by the business in providing health insurance for its employees. This tax credit is intended to encourage small businesses to provide health coverage for their employees.

Preventive Care

In an effort to promote preventive care, the ACA requires insurance plans to cover preventive services without charging a deductible or co-payment that must be paid by the patient. The Department of Health and Human Services has issued rules specifying the preventive services that are covered by this provision of the law. Beginning on January 1, 2011, the ACA also eliminated all cost-sharing required of patients receiving Medicare-covered preventive services.

Use of Premium Dollars by Insurance Companies

Another important ACA provision which took effect last year requires each insurance company to report the percentage of insurance premium dollars it spent on clinical services and quality control. If this percentage falls below 85% for large group plans or 80% for small group and individual plans on an annual basis, the company has to pay rebates to its subscribers. This provision was intended to force insurance companies to use the bulk of premium dollars they receive from their subscribers for health care services rather than for internal administrative costs or to bolster their profits.


employers are cutting employee hours and laying off workers because why? Originally Posted by CJ7

You were the one arguing that Odumbocare "wasn't" in effect; thus, was not having any inpact, CBJ7. Now your argument completely undermines your previous POV, CBJ7.

Another meta-argument deflection by Corpy.

No wonder you bathe in your own feces!

You going to pay the penalty and not be insured, Corpy?

that'll show 'em, eh Corpy?

Quack, quack, quack, Corpy!

You were the one arguing that Odumbocare "wasn't" in effect; thus, was not having any inpact, CBJ7. Now your argument completely undermines your previous POV, CBJ7. Originally Posted by I B Hankering

suffering a fool like you isn't easy ...


I didn't argue anything ... you made the comment about employers cutting hours because of Obamacare and pointed out certain provisions were already in effect , I listed the provisions in effect and ask you which one/s were responsible for your comment ... so answer the question.

You were the one arguing that Odumbocare "wasn't" in effect; thus, was not having any inpact, CBJ7. Now your argument completely undermines your previous POV, CBJ7. Originally Posted by I B Hankering

+1 "Isn't in effect yet" is his fall back position when he has nothing else.

+1 "Isn't in effect yet" is his fall back position when he has nothing else. Originally Posted by NiceGuy53

ok sharp guy, you answer the question for IB..

The bill in fact contains substantial benefits (some might even say giveaways) for small businesses. That starts with a program already under way to offer special subsidies to firms with fewer than 25 employees that want to offer health benefits. As long as your employees earn less than $50,000 on average (law firms, medical practices, and other elite professional partnership are thus ineligible), you can get a tax credit to defray 35 percent of the cost of the insurance if you’re a for-profit firm, and 25 percent if you’re a nonprofit. When the law really gets rolling in 2014, those subsidies rise to 50 percent for for-profits and 35 percent for nonprofits.
Firms with fewer than 50 employees are also exempt from the “employer responsibility” provision of the law that otherwise constitutes the biggest business burden in the legislation.The Affordable Care Act (in)famously requires that all individuals who don’t receive insurance from their employer or from a government program such as Medicare or Medicaid must buy their own insurance on a regulated exchange. Subsidies will be provided to those for whom such insurance wouldn’t be affordable. That could be seen as, in effect, penalizing firms that already offer insurance to their workers. To offset this, the law stipulates that companies whose employees receive subsidies to buy exchange plans must pay a financial penalty. That is supposed to deter firms from responding to the law by simply dropping existing insurance coverage. But the ACA doesn’t make small businesses pay that penalty.

Put the special subsidies and the exemption together, and the result is a law that’s pretty clearly a good deal for small businesses. Originally Posted by CJ7

Give A ways, lol. Like what a free T-Shirt.


Jim

Give A ways, lol. Like what a free T-Shirt.


Jim Originally Posted by Mr MojoRisin

better than a person without insurance going to a county hospital, and taxpayers paying for the entire bill ... No?

ok sharp guy, you answer the question for IB.. Originally Posted by CJ7

Good luck with either of them...

Again, no substance...you might as well post a picture of your favorite plaything = a pile of steaming shit !

How many hours have you searched the web looking for piles of shit to post ? Even your avatar touts your favorite play toy !

You are a sick motherfucker aren't you AssUp ? Originally Posted by Whirlaway

Yeah, that's Assup alright. All shit and no substance!

You'd know, mamon!

better than a person without insurance going to a county hospital, and taxpayers paying for the entire bill ... No? Originally Posted by CJ7

What specific tax are you paying that pays an uninsured person's Health Care cost?


Jim