Note: You might want to start at the
Obamacare Index Page, especially
if you arrived here by using a search engine.
Obamacare -- the latest attempt to nationalize the medical profession in America -- is simply not feasible.
Anyone who puts ten minutes of effort into researching the facts can come to the same conclusion.
As you may surmise, this information on this page was compiled and maintained before the launch of Obamacare, and for several months, many writers accurately
predicted that the whole thing would not work. Parts and pieces were obviously falling off the Obamacare machine, which made it easy to see that the whole
thing would explode on the launch pad. Or I should say, it was easy to see unless you're one of those unfortunate people who gets all his information from
television; and in that case, Obamacare's shortcomings probably came as a complete surprise.
Related topics on other pages:
Obamacare does not work as promised.
Low enrollment numbers, especially in critical demographic categories
They knew the web site wouldn't work before it was launched
They knew Obamacare itself wouldn't work
Obamacare depends on the "honor system" -- in this country?
Doctors won't work under these conditions!
Obamacare horror stories
Obamacare is tremendously expensive.
Obamacare is based on a pack of lies.
Obamacare won't work as advertised. The promised benefits will never come to pass.
are most of the Republicans in Congress so spineless? Obamacare was passed in 2009 without a single Republican vote.
Everyone who paid attention to its details knew that it was designed to fail, miserably. Obamacare architect Jonathan Gruber bragged
about how getting it passed depended on the stupidity of the American people. But people would not be able to keep their own doctors
as promised. No one's premiums went down by $2,500. They all went up and up and up. Those who are paying for it
cannot afford to use it because the deductibles are too high. It is a monstrosity of catastrophic proportions. The insurance
companies were on board; they knew they would reap billions of taxpayer dollars, and they have.
Death Spiral: At Least 2 Million Adults Ditch Coverage In 2017 Amid Soaring Premiums. As Democrats continue to
defend an obviously failed Obamacare system, the effects of soaring rates and collapsing coverage options seem to be taking a toll
on the number of people actually buying health insurance these days. According to the "Gallup-Sharecare Well-Being Index,"
the percentage of uninsured adults in the U.S. bottomed out at 10.9% in Q4 2016 but has since increased to 11.7% in just the
first two quarters of 2017.
Is Wrong: ObamaCare Has Failed to Meet Its Goals. To start off with, the most glaring problem with the
former President's critique is that he calls it "a massive transfer of wealth from middle-class and poor families to the
richest people in America." This is laughably hypocritical because that is exactly what ObamaCare was. It was written
by and with the support of the health insurance lobby, doled out subsidies to large corporations, allowed for bailouts of the
health insurance industry, and reduced competitors in the healthcare market (which means less plans and options for consumers).
Obamacare Co-Op Folds, Leaving Only 4 Operating in 2018. Minuteman Health of Massachusetts and New Hampshire
announced it is withdrawing from the Affordable Care Act exchanges in 2018, leaving only four co-ops in operation. The
co-op will stop writing business on January 1 and organize a new company, Minuteman Insurance Company, instead. The
company cited issues with Obamacare's risk-adjustment program, which is the program that shifts money away from those with
healthier customers to those with sicker enrollees. Minuteman Health said that the negative impact of this program had
been "substantial." "Unfortunately, the program has not worked as intended," the company said. "It has been
difficult for insurers to predict their risk-adjustment obligations, which has led some to withdraw from the ACA market."
Sen. Schumer Even Know How ObamaCare Works? After having conceded to Democrats that the federal government
should ban insurance denials based on pre-existing conditions, the GOP replacement bill needed some mechanism to prevent
people from simply waiting until after they get sick to buy insurance. The House bill included a 30% premium penalty
for those who went more than a few months without coverage in a given year, but the first draft of the Senate bill had no way
to push people to buy insurance while they are healthy.
8 of 11 Remaining
Obamacare Co-ops on Verge of Collapse. Of the 11 remaining health insurance co-ops created under Obamacare,
eight of them could collapse in less than a year. Moreover, the 11 remaining are less than half of the original
twenty-three that were established in 2012 to compete with for-profit, private insurance companies. This from Mandy
Cohen, one of the top federal health officials in charge of overseeing the implementation of Obamacare. As COO of the
Centers for Medicare and Medicaid Services, Cohen's responsibilities not only cover the physical presence of Obamacare
throughout the country but its disastrous virtual presence in the form of healthcare.gov. In addition to the possible
collapse of the healthcare co-ops, Cohen hinted that there was much more at stake than just the loss of insurance for consumers.
Health Insurer Left In Iowa Obamacare Raising Premiums At Least 43 Percent. For the last few weeks, Iowa's
individual health insurance market showed signs of collapse as companies pulled out one after another. The state
started to panic, even asking "the federal government to let it alter parts of the Affordable Care Act in an effort to entice
insurers into selling plans in the state." The small insurance company Medica has come to save Iowa after the company's
officials decided to remain in the state, making it the only company in the market. But officials said it has to charge
higher premiums in order to stay afloat.
will drop out of Ohio's Obamacare market; 18 counties could be left with no ACA plan. A big Obamacare shoe just
dropped in Ohio. Health insurer Anthem said Tuesday it will effectively exit its Obamacare individual plan business in
Ohio, leaving potentially 18 counties in the Buckeye State with no insurer selling plans in 2018. Anthem, which sells
Obamacare plans in 14 states this year, left open the door to dropping out of other states next year. The company this
year sold individual health plans in all 88 counties in Ohio, the only Obamacare insurer to cover the whole state. But
next year, Anthem said, it will sell just a single plan in Pike County, and that will only be available outside of the Obamacare
federal marketplace, HealthCare.gov.
News Only Gets Worse For ObamaCare — And Democrats. It is becoming extremely difficult to disguise
or defend the Affordable Care Act's collapsing individual health insurance marketplace, but that isn't keeping the left from
trying. For example, MIT economist Jonathan Gruber, an ObamaCare architect who used to revel in that fact (and the
money the government paid him), recently told Fox News, "Since President Trump has been elected ... premiums are going up and
insurers are exiting." While that claim is true, recent decisions to exit the ObamaCare exchanges are based on years of
losses from providing ObamaCare-qualified coverage.
must either die or take over completely. Democrats are crowing over the Congressional Budget Office projection
that the House-passed health-care bill would leave 23 million fewer Americans with insurance as of 2027 than if ObamaCare
stayed intact — while ignoring the fact that ObamaCare can't remain intact. That is, the CBO guesstimates
are comparing the GOP bill to a fantasy. We've written before of how insurers are fleeing the ObamaCare exchanges
because they're losing too much money. If the law goes unchanged, the nation will soon start seeing "insurance deserts"
where no one's offering exchange coverage. The CBO doesn't account for that. Nor for the fact that premiums in
the individual market have doubled since 2013, when ObamaCare started kicking in. Few beneficiaries feel the full
impact, because taxpayer subsidies shield them from the hikes. But there's just no room in the federal budget to keep
increasing the subsidies forever.
Obamacare Doomed by CBO
and HHS Reports. In late 2009, while the Obamacare debate raged, a Gallup poll found that the public's top
concern about the bill was its potential cost. Seven years later, long after "reform" became law, Gallup found that
Americans still named cost as the most urgent health care problem. Consequently, the combined effect of last week's
reports from the Department of Health & Human Services (HHS) and the Congressional Budget Office (CBO) is lethal to
Obamacare. HHS reported that insurance premiums have doubled since 2013 while the CBO found that the American Health
Care Act (AHCA) will produce lower premiums "than current law." "Current law," in the vernacular of the CBO, means the
"Affordable Care Act." AHCA is, of course, the GOP "repeal and replace" bill that passed the House in early May and is
currently under review by the Senate. The CBO's assertion that AHCA would produce lower premiums than would Obamacare
precipitated an inevitable propaganda campaign by the "news" media.
administration encourages states to ask for Obamacare waivers. The Trump administration on Tuesday [5/16/2017]
encouraged states to ask for Obamacare waivers to set up high-risk pools, creating a pathway for interested states to begin
to adopt key parts of the GOP's repeal plans even before they pass a bill through Congress. Officials said the
flexibility is needed to save Obamacare from its own shortcomings, saying states need to start experimenting with what works
for them, rather than being bound to the top-down model of the Affordable Care Act.
Is Latest Health Insurer to Quit Obamacare Markets. Aetna Inc. will leave the few remaining states where it had
been selling Obamacare plans next year, making it the latest health insurer to pull out of the health law as Republicans
attack the program as failing and work to dismantle it. While the move is likely to attract outsize political attention,
the decision affects just Delaware and Nebraska. The Hartford, Connecticut-based insurer already said last year it
would pull out of 11 states, and in the last month announced plans to exit Iowa and Virginia.
in on Obamacare. It's not just a Republican talking point that Obamacare is falling apart. Democrats'
efforts to shift all blame to President Trump and his party are misleading. Obamacare is crumbling because it was
poorly made. Further proof of that arrived Thursday [5/11/2017] when Aetna said it would quit Obamacare in the last four
states where it has been participating. Other insurers are abandoning the law's insurance exchanges or requesting eye-popping
premium increases for next year. These facts demolish Democrats' insistence that the law is working just fine.
The Numbers On Mortality Rates Suggests Obamacare Could Be Killing People. The Patient Protection and
Affordable Care Act (PPACA, a.k.a. Obamacare) has been an utter mess. From passage in 2010 with procedural
gimmicks to implementation in 2013 with unworkable software, from the loss of doctors and health plans millions wanted to
keep to escalating premiums and insurers dropping out of the market, Obamacare has fallen short of nearly every conceivable
goal of health-care reform. There's one single exception: Obamacare has dramatically expanded health insurance
coverage. This single remaining reason explains why it retains the support of progressives and a significant chunk of
the electorate. All other considerations are secondary, if not irrelevant. More people have health insurance, so
more people are benefitting from improved health outcomes and access to care. There is only one simple flaw in this
reasoning. It does not appear to be true.
Objections. Obamacare forbids insurers from overt discrimination against people with pre-existing
conditions. That provision of Obamacare polls very well, in isolation, and it is an especially important issue to the
many Americans, of all political stripes, who suffer from chronic conditions. But the provision has also been thought
to necessitate one of Obamacare's least popular provisions: the fines on people who do not buy insurance. When the
law guarantees that people can get insurance at the same rate when they are healthy as when they are sick, it gives them a
reason to wait until they get sick to buy insurance. But if healthy people avoid insurance, its price goes up —
and then additional healthy people start avoiding insurance. When people talk about a "death spiral" in insurance markets,
that's what they mean.
Hard Truths about Health
Care. Coverage is not access. Democrats like to pretend that giving everyone a piece of paper called insurance guarantees
them access to the care they need. It's sort of like magic. Say the right words, and poof, medical care appears. But in the
real world it doesn't work that way. For example, take Medicaid, which is responsible for more than half the increase in coverage under
Obamacare. Nearly a third of primary-care physicians won't accept Medicaid patients. And when doctors do see Medicaid patients,
they tend to be slower in granting appointments.
Is health care a right or a
good? The regulatory structure of ObamaCare orders every primary care physician to keep all medical records on personal computers,
to which the Department of Health and Human Services has access. Thus, the long-revered and uniquely American value of the patient-physician
privilege — the certain knowledge that your doctor will not reveal what you tell her or him — has been obliterated. The statute
also has given the secretary of HHS unreviewable powers to regulate intricacies of the delivery of health care in America. Along
with this expensive and bitter medicine — which has caused hundreds of thousands of folks to downgrade to part-time work, reduced the
wages of millions more and driven thousands of health care providers into retirement or new occupations — ObamaCare also has provided
some sugar. The statute orders insurance carriers to cover pre-existing conditions, children on their parents' policies up to
the age of 26 and expensive elective procedures, such as abortions and sex reassignment.
The Truth About Health Care. This is an iron law of
economics. All goods and services are rationed. This is true for health care too. There are no exceptions
to this law. Thus, the First Truth of Health Care: No health care plan or system can ever be taken seriously
unless it addresses, up front, how it will say "No, you cannot have it" to people who want it. At some point, someone
has to tell the patient they cannot have whatever it is they want or need. In America, rationing is mostly done by
price, but increasingly the state is taking over this role. In Britain, most people are denied services by the long
lines for those services. The long wait times for basic services is a form of rationing.
Will Destroy The Republican Majority. For seven years Republicans have campaigned against Obamacare.
They've recited its manifold deficiencies and depredations so many times that voters know them by heart: It imposes an
unworkable and morally objectionable requirement on Americans to buy health insurance whether they want it or not, it raises
costs, reduces choice, and leads to rationing. All of these things are true and ordinary Americans have felt the
consequences. Premiums have skyrocketed, people have lost coverage, businesses have closed as a result of the Obamacare
mandates, the exchanges have gone bankrupt, and insurance companies still haven't figured out how to make money in the
fiddle while Obamacare burns and crashes. Here's an inconvenient question: Do Democrats have any new ideas
to fix the objectively failing Obamacare health care reform? Let me save you some time: The short answer is no.
I have seen no major Democratic legislation filed this Congress to "fix" Obamacare. Nothing to address rising costs, or
the declining quality of coverage, or the increasing lack of choice in the market.
Sudden Amnesia about Obamacare's Many Ills. The American Health Care Act has serious problems. But let's
also not forget that Obamacare is not working, and that without major changes it's not going to work. Enrollment in the
law's insurance exchanges has come in significantly below projections, causing major insurers — UnitedHealth,
Humana, and Aetna — to scale back their participation, citing massive losses. Meanwhile several smaller
insurance co-ops have shut down altogether. As coverage has become monopolized — about one-third of U.S.
counties have only a single insurance provider, and 16 counties in Tennessee probably will not have any provider in
2018 — premiums are climbing, and that's likely to continue, without competition and without a more diverse
insurance pool. The sicker the overall population the insurers must cover, the higher the costs.
Trust Those CBO Health Care Numbers. Shortly before President Obama signed ObamaCare into law, the CBO
announced its findings that the health reform would cut the deficit in the first decade by a modest $119 billion, and
possibly slash them by a trillion dollars in the second decade. The CBO also predicted that 23 million people would be
enrolled in ObamaCare exchanges this year, and that the number of uninsured would have gone down by 30 million. None of
that came to pass. ObamaCare didn't cut the deficit in its first decade — a combination of the failure of parts
of the reform to work as expected, unrealistic cuts to Medicare, and politically-motivated changes made unilaterally by the Obama
administration. Now, costs for Medicaid and the insurance subsidies are climbing faster than the CBO had expected.
As a result, the law is on track to add to deficits in its second decade as well, a fact we reported in this space recently.
As for enrollment, the number that actually signed up in the exchanges was less than half the CBO's projection.
was 'meant to explode' in 2017 Trump says 'because Obama won't be here'. President Donald Trump urged lawmakers
Friday [3/10/2017] to support the GOP health reform plan if they want to 'save Americans from imploding Obamacare disaster.'
Health insurance premiums are doubling, and in some cases tripling, he declared during a meeting at the White House with committee
chairs, as he predicted that 2017 'would be a disaster for Obamacare.' 'That's the year it was meant to explode, because
Obama won't be here. That was when it was supposed to be,' he proclaimed. 'As bad as it is now, it will get even worse.'
should look up the definition of 'Obamacare' before claiming to repeal it. At its core, Obamacare is the imposition of actuarially insolvent regulations,
which spike the cost of premiums and chase out choice, competition, and innovation (which further raises costs). This, in turn, engenders a need for mass
subsidization, which in itself is not only costly to the government (taxpayers), but further distorts the insurance market. That is because insurers now
negotiate with government within the confines of regulations and subsidies to box out competition rather than working directly with market demand of consumers,
unencumbered by price-hiking regulations and artificially inflated demand from subsidies. This is also why the customer service of insurance companies has
been horrible; there is no ability or incentive to work with consumers. Either way they are regulated. Either way they get subsidized.
Left Is Approaching a Tipping Point. We all heard the president's speech the other night, and I must say that I
was surprised at the degree with which he seemed to be reaching across the aisle, even conciliatory to a degree I had never
heard. Trump was still rock solid on most of his campaign promises but seemingly open to finding common ground to
attack America's myriad problems. Chuck Schumer, of course, heard it differently, and in a diatribe resembling a
grandfather confused by the complexities of some new technology he refuses to try to understand, stuck to his hard line that
there is no good, no sanity and no future in anything President Trump proposes. America never heard Schumer and the
rest of his cohorts questioning Obama's health care plan, a little piece of socialism that was obviously designed to fail and
bring about a single payer plan and putting a government that can't find its posterior with both hands in charge of one sixth
of the American economy, not to mention red tape laden bureaucrats dispensing medical care.
Five Worst Things about Obamacare. In passing Obamacare, its supporters promised the moon. Obamacare was
allegedly going to cost $938 billion over ten years, result in 23 million people getting insurance through its exchanges as
of 2017, reduce the typical family's premiums by $2,500 a year, and make sure that if you liked your health plan and doctor, you
could keep your health plan and doctor. Seven years later, Obamacare is projected to cost $1.938 trillion over ten years
(exactly $1 trillion more), only 9 million people have insurance through its exchanges as of 2017 (just 40 percent of
the original CBO projection), the typical family's premiums have exploded, and millions of people who liked their plans lost their
plans, as Obamacare effectively banned them. Many of them lost their doctors as well.
festering problems the Democrats cynically ignore. [#2] Obamacare: From its inception, critics argued that the Affordable Care
Act was actuarially unsound. They were right. There's no doubt that a few people benefit from the program, but only at the expense
of many other people. There is even less doubt that the program cannot continue. It has reached the predicted death spiral.
Obamacare must be undone before it causes irreparable damage to our health care delivery system.
[is the] latest insurer to exit Obamacare exchanges. Humana, a major health insurer, said Tuesday [2/14/2017] that it will
pull out of the Obamacare marketplace after this year, delivering yet another blow to a program that was already on life support.
The Louisville, Kentucky-based company had already cut offerings for this year and pulled out of hundreds of counties last year.
It said Tuesday that it tried everything it could to make money but early returns from the just-closed enrollment period weren't
promising. "Therefore, the company has decided that it cannot continue to offer this coverage for 2018," the company said.
Cruz exposed how millennials are defrauded by Obamacare. Sen. Ted Cruz (R-TX) is on a hitting streak in 2017.
First, he owned Deadspin on Twitter. On Tuesday night [2/7/2017], Cruz destroyed Sen. Bernie Sanders (I-VT) in a CNN town
hall debate on Obamacare. And he did it by exposing the flawed health care law's treatment of millennials. "There's no
group in America that's been hurt by Obamacare more than young people," Cruz said in front of an audience at George Washington
University. "Young people were left on the chopping block." The Texas Senator then continued to drop some facts.
"A recent study found that the Obamacare mandates... have increased." Cruz then listed the three costliest mandates "have
increased premiums by 44 percent." "Without those mandates," Cruz explained. "The typical 21-year-old would pay $1,100
a year less. If you're 21, think about whether it would be easier to afford health care if it cost $1,100 a year less."
Obamacare insurance company start-up is gone for good. A government-funded health insurance company launched to
create more competition in the Obamacare marketplace is financially insolvent and will not make a comeback, state Department
of Banking and Insurance Commissioner Richard Badolato announced Friday [2/3/2017].
signs executive order that could effectively gut Affordable Care Act's individual mandate. President Trump
signed an executive order late Friday giving federal agencies broad powers to unwind regulations created under the Affordable
Care Act, which might include enforcement of the penalty for people who fail to carry the health insurance that the law
requires of most Americans. The executive order, signed in the Oval Office as one of the new president's first actions,
directs agencies to grant relief to all constituencies affected by the sprawling 2010 health-care law: consumers, insurers,
hospitals, doctors, pharmaceutical companies, states and others. It does not describe specific federal rules to be
softened or lifted, but it appears to give room for agencies to eliminate an array of ACA taxes and requirements.
signs ObamaCare executive order. President Trump on Friday signed an executive order directing federal agencies
to "ease the burden of ObamaCare." Trump signed the order in front of reporters at the Resolute Desk in the Oval Office,
one of his first official acts as president. The order did not direct any specific actions, instead giving broad
authority to the Department of Health and Human Services and other agencies to take actions available to them under the law
to ease regulatory requirements from ObamaCare.
issues executive order to start rolling back Obamacare. Within hours of taking the oath of office, President
Donald Trump on Friday night signed an executive order aimed at trying to fulfill one of his most impassioned campaign
promises: Rolling back Obamacare. The multi-part executive order stated that the administration's official policy
is "to seek the prompt repeal" of the Affordable Care Act — but at the same time emphasized that it must continue
to uphold the law.
could issue blanket waivers to gut individual insurance mandate. President Donald Trump's day-one move to begin
eroding the Obamacare medical insurance law has been met with angry opposition from the House of Representatives' top
Democrat. Minority Leader Nancy Pelosi, who pushed the Affordable Care Act through Congress when she was Speaker of the
House, called Trump's largely symbolic executive order a sign of 'cut and run' cowardice. Trump inked a directive Friday [1/20/2017]
ordering federal agencies to weaken Obamacare's authority by taking every opportunity possible to limit its cost to consumers.
Exiting Obamacare Exchanges, UnitedHealth's Profits Jump 56 Percent. UnitedHealth Group's profits increased by
56 percent in the fourth quarter of 2016, after the group dropped out of the Obamacare exchanges last year, the Chicago
Tribune reports. UnitedHealth, the largest health insurer in the United States, exited Obamacare markets in April saying
that it was difficult to turn a profit because enrollees turned out to be more costly than expected.
Co-op Becomes 16th to Collapse. Sixteen Obamacare co-ops have now failed. Illinois announced that Land of
Lincoln Health, a taxpayer funded Obamacare co-op, would close its doors, leaving 49,000 without insurance. The co-op
now joins a list of 15 other Obamacare co-ops that have collapsed since Obamacare has been implemented. Failed
co-ops have now cost taxpayers more than $1.7 billion in funds that may never be recovered.
ObamaCare Promise Bites The Dust. A report from the centrist Committee for a Responsible Federal Budget says that,
left in place, ObamaCare would reduce the deficit by between $350 billion and $150 billion over the next 10 years,
depending on whether or not you account for the economic harm caused by the law. It might look like a big number, but it's
far smaller than the $1 trillion Democrats promised. What's more, a realistic accounting shows that ObamaCare is on
track to substantially increase the federal deficits. In its report, the CRFB assumes that ObamaCare's extraordinarily deep
Medicare cuts would actually be made if the law remained in place. In fact, it assumes (based on official estimates from
government agencies) that ObamaCare will reduce Medicare spending a total of $1.1 trillion from 2018 to 2027. Without
these draconian Medicare cuts, ObamaCare would be a huge money loser going forward.
Will America Look Like after Obamacare? The analysis from the Center for Health and Economy estimates that the cost of premium
subsidies under the Affordable Care Act will increase by $9.8 billion next year. This is an increase on average of 25 percent,
but some states like Arizona will jump as high as 116 percent. Also expected is the loss of insurers, which will drop by
28 percent. Remember the famous line: if you like your insurance, you can keep it? Not this year, where
one in five consumers must choose from a single insurer after major national carriers such as UnitedHealth Group, Humana, and Aetna
scaled back their roles.
warn repealing Obamacare without safety net would create 'crisis'. American hospitals warned Tuesday [12/6/2016] that
repealing Obamacare without a safety net for those who lose coverage would spawn a "crisis," dumping costs on clinics and hospitals
that will be flooded with uninsured patients and raising costs for health care overall. The American Hospital Association and
the Federation of American Hospitals said some 22 million Americans could lose coverage over the next decade if Congress scraps
the expansion of Medicare, the individual mandate and taxpayer subsidies that push people to sign up.
Senators Introduce Bill to Block 'Bailout' of Obamacare Risk Program. On Friday [11/18/2016], four Republican
senators introduced a bill that would prevent the Obama administration from paying certain insurers in what they say amounts
to a "bailout" of Obamacare. Sens. Ben Sasse, Marco Rubio, John Barrasso, and Mike Lee wrote in a joint statement
that their HHS Slush Fund Elimination Act would prevent the government from using "any... federal funds, to pay any final
judgment, award or settlement compromise related to any lawsuits related to the [Affordable Care Act]'s risk programs."
GOP Moves to Block
Illegal Obamacare Bailouts. House and Senate Republicans have introduced legislation to prevent the Obama
administration from executing a last-minute end run around Congress to bail out insurers that lost money on Obamacare.
Rep. Morgan Griffith put forward a bill in the House last Thursday. Senator Marco Rubio and three colleagues
introduced a similar measure in the upper chamber on Friday. The purpose of both bills is to stop President Obama's
creatures at the Centers for Medicare & Medicaid Services (CMS) and the Department of Justice (DOJ) from using an esoteric
Treasury account called the "Judgment Fund" to make disbursements Congress hasn't authorized.
Collapsing Nationwide One Week Before Election Day. A look at what happened in Arizona shows the cascading
effects of problems with the design and implementation of the ACA, combined with early missteps by insurers. Some
priced plans aggressively, angling for market share and betting special programs built into the law would protect them from
losses. Those protections didn't work as expected. Enrollees' health-care expenses repeatedly overshot the
projections of nearly all Arizona's insurers. The result: a flood of red ink, then withdrawals and premium increases.
Obamacare's Open Enrollment
Season Is a Healthcare Horror Show. Obamacare's fourth open enrollment period begins tomorrow — and
what a fitting epilogue to Halloween. After all, when Americans log on to either their state or the federal health
insurance exchanges, they'll be in for a fright. What they'll discover is a witch's brew of double-digit premium hikes,
restrictive provider networks, and fewer coverage choices. Many exchange customers will have only a single insurance
provider to pick from. And more than a million enrollees will find that their current plans have vanished from the
exchanges. Even the rosiest projections expect the online coverage markets to be veritable ghost towns.
Obamacare collapse is exactly what Obama and Clinton want. This week, the administration implicitly conceded
that Obamacare is being smothered by an array of existential problems. Average premiums, they said, will spike by a
whopping 25 percent next year. And that's a low-ball estimate, given that premiums in places like Arizona are
increasing by a staggering 116 percent and Oklahoma by a breathtaking 69 percent. The administration also
admitted that at least 20 percent of consumers will have only one health insurer from which to choose. With less
or no competition, costs will continue to rise while choice shrinks. So much for keeping your plan and doctor.
You'll be lucky to even find a doctor at all. Physicians are leaving Medicare in droves because of the pittances
paid to them in reimbursement. Subsidies are also disappearing, Obamacare co-ops are collapsing, fewer people are
enrolling and loss ratios are soaring. The long-anticipated death spiral is here.
of ObamaCare's collapse has just begun. With the announcement this week of massive premium hikes for health
insurance purchased through exchanges, it has become impossible to pretend that the Affordable Care Act is itself healthy.
Figures released by the Department of Health and Human Services warn that premiums for the benchmark Silver plan in each state
will rise by an average of 22 percent nationwide. In New York the average weighted increase for all plans will be
less, but a still substantial 16.6 percent. Some popular plans will have higher increases. UnitedHealthcare,
for example, will see a 28 percent increase.
The worst of ObamaCare
is yet to come. Word that ObamaCare premiums will soar 25 percent in the 39 states that operate off the federal
healthcare.gov system is only the tip of the iceberg: The so-called Affordable Care Act is inflicting damage all across
America's health-care sector — with no end in sight. Just as critics warned from the start. Premiums
are rising in nearly all the states that run their own exchanges, too.
heading towards collapse. It was always the Democrats' plan for ObamaCare to collapse once Barack Obama was out
Plot Against America. What is Hillary Clinton plotting should she become President? Wikileaks revealed an
email that is a smoking gun. Despite a massive media blackout, some of the emails see the light of day on social and conservative
media. Hillary Clinton wrote an email to senior policy advisor Ann O'Leary that disclosed she was working, behind the scenes
(naturally since she has a public persona — or multiple ones, actually — and a private one) to undermine the
Affordable Care Act.
Why 27 Million Are Still Uninsured
Under Obamacare. When the Affordable Care Act was signed into law in 2010, it promised to extend health
insurance to tens of millions of people. And although the law has helped push the U.S. uninsured rate down to a record
low, the ACA's new insurance markets are proving to be volatile, with insurers recording big losses and pulling out.
Meanwhile, there are still millions of people without health insurance.
Americans Have Private Health Insurance Now Than in 2007. It turns out that median incomes aren't the only
thing that have dropped since 2007. There are currently about 320 million people living in America. If the
percentage who have private health insurance were as high now as it was in 2007, 3.8 million more people would now have
private health insurance. Meanwhile, the CDC figures show that the percentage of people living in the United States who
have public health coverage has risen dramatically, from 18.1 percent in 2007 to 25.3 percent in 2015. If
that percentage had stayed the same as in 2007, 23 million fewer people would now have public health coverage.
In other words, Obamacare is a massive Medicaid expansion.
profits grow with retreat from Obamacare. UnitedHealth Group reported strong profits and boosted its earnings
forecast on Tuesday (Oct 18) helped by its controversial pullout from the Obamacare health insurance programme. Shares
of the largest US health insurer and health benefits manager led the Dow Jones Industrial Average higher, jumping nearly six
per cent on its third quarter earnings and a strong outlook 2017. UnitedHealth scored gains across the business, with
increases in both employer-based health programmes and those run through the US government Medicaid and Medicare programmes.
One Million Reasons
Obamacare Made Things Worse. During the last presidential debate, Hillary Clinton denounced Donald Trump for
pledging to repeal the "Affordable Care Act" and take our health care system back to "the way it used to be." The underlying
assumption of this accusation is, of course, that the system works better now than before it was "reformed." Many accept that
as a given, but think about it. Before Obamacare was foisted upon us by Mrs. Clinton's fellow Democrats, do you
remember reading headlines announcing that more than a million people were about to lose their health insurance plans in one
fell swoop? Neither do I.
even Democrats can see the ObamaCare death spiral. Another day, another Democrat finally owning up to the fact
that ObamaCare is a disaster. And another state facing the implosion of its health insurance market. Minnesota
Gov. Mark Dayton — once one of the Affordable Care Act's most enthusiastic champions — is the
latest Democrat to publicly eat crow for that support. With good reason: Tens of thousands of Minnesotans are
losing their coverage next year. And premiums on individual plans — which enroll 250,000 North Star State
residents — will rise an average 50 percent to 67 percent. "The reality is the Affordable Care Act is no
longer affordable for increasing numbers of people," Dayton admitted last week, calling the situation in his state "an emergency."
collapse of Obamacare in North Carolina has been nothing short of spectacular. These stories are now becoming
so common as to be the norm, but there's yet another tale of the Obamacare exchanges essentially collapsing in North Carolina
as we approach the next open enrollment period. Keep in mind that health insurance is still mandatory under law and the
grace period for not facing a hefty penalty on your taxes for non-compliance is over. Also remember that if you like
your doctor you can keep your doctor and the Affordable Care Act was going to reduce premiums. Oh, wait... it was
going to at least keep them about the same. No? Well, at least they'll rise more slowly. Don't tell that to
consumers in the Tar Heel State. All but one of the previously available insurers have fled the exchange and the sole
remaining participant — Blue Cross Blue Shield — almost left. They're sticking around, but
the already high premiums they charge will be jumping up by an additional 25%.
The Clinton Record.
[Scroll down] Let's look, for a moment, at how successfully Obamacare has helped to cut the cost of insurance premiums. When the law was being
debated and formulated, President Obama repeatedly assured Americans that under his plan, the average family would save up to $2,500 per
year in annual premiums. The reality has been somewhat different:
• A 2014 study by the Brookings Institution
found that "premiums in the individual health insurance market increased by 24.4 percent beyond what they would have had they simply
followed ... [existing] trends."
• The S&P Global Institute found that between 2013-15, the average market medical
costs per individual increased by 69%.
• Premiums for ACA-compliant Qualified Health Plans that were sold to
individuals on the Obamacare exchanges, were $2,300 more expensive than premiums for non-Qualified Health Plans, i.e., plans that were
in existence before 2014 and did not comply with the mandates of the ACA.
• In 2015, premiums for the lowest-cost
plans across all tiers — bronze, silver, gold and platinum — increased by a median of 10-13%.
• By September
2016, fully 16 of Obamacare's 23 state exchanges had gone bankrupt, with another one — the Tennessee exchange — "very near
• It is expected that by the end of 2016, UnitedHealth Group will have exited 31 of the 34 Obamacare
exchanges in which it has participated, while Aetna will have left 11 of its 15 state exchanges.
Meanwhile, Obamacare's insurance
policy deductibles are skyrocketing in almost every state.
Than 1 Million in Obamacare to Lose Plans as Insurers Quit. A growing number of people in Obamacare are finding
out their health insurance plans will disappear from the program next year, forcing them to find new coverage even as options
shrink and prices rise. At least 1.4 million people in 32 states will lose the Obamacare plan they have now, according
to state officials contacted by Bloomberg. That's largely caused by Aetna Inc., UnitedHealth Group Inc. and some state or
regional insurers quitting the law's markets for individual coverage.
Declares Affordable Care Act 'No Longer Affordable'. Gov. Mark Dayton made a stunning admission on
Wednesday [10/12/2016] about rising health insurance costs and the future of MNsure.
will now pick plans for displaced Obamacare customers. One of the biggest surprises of the Sunday debate was
the moment that Obamacare came up as an audience-member question. Hillary Clinton basically said she'll mend it, and
Donald Trump vowed to end it. Gone are the days of, "if like your plan, you'll keep your plan."
Bill Clinton suddenly trashing Obamacare? To usher in Single Payer, of course!. The Clintons don't do
anything by accident. So when everyone started hyperventilating because Bill Clinton was trashing Obamacare, I knew I
needed to sit back and wait for the other shoe to drop. I didn't have to wait long. Right on cue, uber-liberal NJ
Assemblyman Reed Gusciora (D-Mercer) introduced the "New Jersey Public Option Health Care Act." And Bill himself "pitched
a new system that would allow people to buy into Medicare or Medicaid," while calling for "a government-run 'public option,'
describing it as 'the change we need' to help working class people who aren't covered." Because what's better than a
botched government takeover of health insurance companies? A government takeover of all health care!
Clinton bashes Obamacare as 'crazy system' on campaign trail. Former President Bill Clinton stumped for his
wife's campaign on Monday in Michigan by deeming the Affordable Care Act a "crazy system." President Obama's signature
piece of legislation was framed as nonsensical public policy that punishes middle-class Americans by doubling their health-insurance
premiums, according to video footage of the event. "You've got this crazy system where all of a sudden 25 million more
people have health care and then the people are out there busting it, sometimes 60 hours a week, wind up with their
premiums doubled and their coverage cut in half," Mr. Clinton told voters. "It's the craziest thing in the world."
Clinton Trashes Obamacare At Event, Calls It 'Crazy System'. Former President Bill Clinton attacked President
Barack Obama's signature health care legislation Monday [10/3/2016], calling it a "crazy system" that "doesn't make any
sense" during a Michigan campaign event for Hillary. "It doesn't many any sense. The insurance model doesn't work
here," Clinton said about the government-run marketplaces Obamacare set up. Clinton said that Obamacare "works fine"
for people with "modest" incomes or who are eligible for government subsidies, or Medicare. But he added that, "the
people that are getting killed in this deal are small business people and individuals who make just a little too much to get
any of these subsidies."
Post Botches Defense of Obama's Insurer Bailout. Obamacare's "risk corridor" program was designed to
redistribute money in the Obamacare exchanges from health insurers who made money to those who lost money. Profitable
insurers would pay in; unprofitable insurers would get paid out. With so many insurers losing money under Obamacare,
however, the program was positioned to become a bailout, as there was no guarantee in Obamacare's text that the money paid
out wouldn't exceed the money paid in. Marco Rubio sounded the alarm in a Wall Street Journal op-ed in November of 2013.
will drop Obamacare in Memphis, Nashville, Knoxville. BlueCross BlueShield of Tennessee will not sell insurance
plans on the Obamacare exchange in Knoxville, Memphis and Nashville next year, as the health care giant grapples with hefty
losses and ongoing uncertainty on the marketplace. The insurer made "an extremely difficult but necessary decision" to
leave the state's three largest metro areas as it tries to manage its number of members to hit a break-even point amid three
years of losses, said Roy Vaughn, chief communications officer of BCBST.
Nashville and Knoxville dropped from Obamacare by BlueCross. BlueCross BlueShield of Tennessee will no longer
offer insurance through the Affordable Care Act in Memphis, Nashville and Knoxville starting in 2017. A large taxpayer
subsidy to insurance companies taking part in the ACA ends in 2016, which means they could incur large losses.
Have No Clue How to Fix Obamacare. Obamacare enthusiasts have long been in denial that their beloved law is
unworkable in anything resembling its current form. But with the recent news that the insurance giant Aetna is joining
the stampede of companies leaving Obamacare's exchanges, reality may finally be sinking in. It may be too little, too
late. Worse, Obamacare has become such a quagmire that the proposed "fixes" may create an even bigger mess. Aetna
is bailing out of the individual exchange market in 11 of 15 states because, like its peers, it was sustaining losses
to the tune of $300 million annually and sees no prospects of improvement.
Slow Slide Into Single-Payer Health Care. For decades, liberal Democrats have been advocating a single-payer
health care system where government pays all the bills. The public has never supported this idea, but it looks like the
country is headed there anyway, slowly but surely. The latest data from the Census Bureau show that just since
President Obama took office, the number of Americans getting health care through a government program — Medicare,
Medicaid, the VA, etc. — shot up by 32 million (an increase of more than 32%).
How dare they cut their losses!
Senators Attack Aetna for Withdrawing From Obamacare Exchanges. Democratic senators including Sen.
Elizabeth Warren (D., Mass.) and Sen. Bernie Sanders (I., Vt.) have written a letter to Aetna, attacking the company
for withdrawing from the Obamacare exchanges. On Aug. 15, Aetna announced that it would drop out of 11 of the
15 states where it offers health care coverage through the Affordable Care Act because it had experienced a total pretax loss
of $430 million since January 2014. The Democratic senators called Aetna's retreat from Obamacare "inexplicable and
irresponsible." "You must now answer both to your shareholders and to the thousands of Americans who trusted Aetna with their
health coverage," the senators said.
It's time to kill
the ObamaCare penalty. President Obama promised his law would provide an array of affordable health
plans. In 2017, consumers will get neither choice nor affordability. In nearly a third of the nation, only one
insurer will offer coverage — that's no choice at all. And insurance premiums are skyrocketing across the
country. ObamaCare is broken. Slapping ObamaCare refuseniks with hefty penalties (averaging almost $1,000) for
not signing up would be unfair, like enforcing a parking ticket when the meter's broken.
In Its Death Spiral Last Days — Insurers Are Jumping Ship In Droves! Obamacare was always going to
fail. It was not intended to survive. You can't run the numbers and make the leaps that Obama and the majority of
the democrats did without knowing that bad numbers an guesses would catch up to us all. When only the poor sign up
for it and uses tax money to pay for it, that's a huge sign that you just created a leaning tower of jello.
Obamacare Is Broken Now? Wait Till Hillary 'Fixes' It. [T]he reality is that Obamacare is broken beyond
repair. Neither Hillary nor anyone else can make this unworkable admixture of mandates, taxes, and bureaucratic avarice
into a success. It has cost twice the money its authors estimated and insured half the people to whom they promised
coverage. It has reversed a decade-long downward trend in health care inflation while costing insurers so much money
that they have been forced to abandon its exchanges. Even the law's infamous individual mandate has failed.
Millions would rather pay a fine than buy the lousy insurance offered through Obamacare's "marketplaces."
The House That Barack Built.
[Scroll down] As the president's economic policies unfolded, it became evident that rather than emphasizing economic growth, his philosophy
was to redistribute wealth, using the IRS and the Affordable Care Act (AKA Obamacare) enacted in March of 2010 as instruments.
Intrusiveness by government became the norm. Now dying a slow death, Obamacare has lived up to the expectations of
critics who predicted that it was unsound public policy. Since inception, the government's intervention in private markets
has been a failure, with major insurers pulling out of numerous exchanges resulting in less freedom of choice, dramatically rising
premiums, and insufficient subscription by healthy individuals who would rather pay a small and increasing fine. The
president's serial misrepresentations with regard to keeping one's doctor and hospital, as well as seeing lower premiums have
proved to be preposterous. Numerous amendments of Obamacare were made unilaterally by the White House, bypassing Congress
whose role is to make the laws.
Obamacare Mystery. Are the Obamacare exchanges a success? Your answer should take into account three recent
pieces of news about the online marketplaces created by the Affordable Care Act:
• The U.S. Centers
for Disease Control's latest report on the uninsured shows that 8.6 percent of the population was uninsured in the first
three months of 2016. This is a record low.
• A survey of Blue Cross/Blue Shield companies,
the backbone of the exchanges, indicates that about half their customers in the individual market are buying insurance
• Arizona has managed to persuade its Blue [sic] to sell insurance in Pinal County.
That was one of a handful of localities nationwide that faced the possibility of losing all the providers in their Obamacare
marketplaces after insurance giants like Aetna announced in August that they were pulling out.
Obamacare failed. Come November, the grim trudge across the increasingly barren Obamacare landscape begins
anew. Illinois consumers likely face staggering price hikes for individual insurance policies. Some types of
plans could cost an average of 43 percent to 55 percent more. Ditto across the country: A first tranche of states
approved 2017 rates with similarly cardiac-arrest-inducing premium increases. Many Illinois consumers will find fewer choices
because major carriers fled this market. UnitedHealthcare bolted. So did Aetna. Land of Lincoln Health collapsed
mid-year, leaving policy holders to scramble for coverage that could cost them plenty. In many places across Illinois and the
nation, people will find drastically fewer choices of plans than they did last year.
ObamaCare Costs Surge
While Choice Shrinks. Health care affordability and choice remains the top health care concern among registered
voters two months before they go to the polls in November. Unfortunately, ObamaCare has in its mission, only increased
costs and decreased options for consumers. The August Health Tracking Poll from the Kaiser Foundation, released this
morning, found that two-thirds of voters (66%), consider health care access and affordability the top health care priority
that presidential candidates should be discussing on the campaign trail. Additionally, a majority continue to hold an
unfavorable view of President Obama's signature law that is continuing to fail Americans daily.
Problems Can't Be Brushed Off As 'Growing Pains'. The individual insurance market existed long before
ObamaCare came around. In fact, when President Obama signed it into law in 2010, there were 15 million people who
bought plans on their own in this market, without any help from the federal government. It was competitive, and premiums
for many were low. In fact, as a Government Accountability Office report found, plans were available in almost every
state that were far cheaper, and had lower deductibles, than what people can find in an ObamaCare exchange, in some cases
even with subsidies. The market had its problems, to be sure, particularly for those with expensive pre-existing
conditions, but these could have been fixed without the massive, costly and intrusive ObamaCare machinery. ObamaCare
took what was a relatively healthy market and is now in the process of destroying it through government mandates, regulations
Obamacare Scheme may be Imploding Ahead of Schedule. Yes, be happy that this fall Illinois Obamacare premiums
will increase by an average of 48% — the Bronze by 44%, the Silver by 45% and the Gold by 55%. What ever
happened to that $2500 savings we were promised? Well, some will save — in fact, make out like bandits.
Those being subsidized will see their subsidies increase, allowing plans to be offered for less than $100 per month —
for every increase in our premium means an increase in the subsidy. And if you think Illinois is an outlier, think
again. As one state's losses pile up, other states will follow. Nationwide, insurers and exchanges are recording
massive losses, which means the rest of us will be stuck holding the bag with 40-50 percent increases every year to pay
for those losses and the subsidized.
the Justice Department Pressure Aetna On Obamacare? Many Obamacare supporters have been taking solace in their
belief that Aetna's recent decision to pull out of all but four government-run exchanges was a result not of Obamacare's
slow-motion death spiral but of Aetna's playing politics with the Department of Justice, which has blocked the insurer's
intended merger with Humana. Senators Tom Cotton and Ben Sasse, however, have written a letter to Attorney General
Loretta Lynch asking whether it isn't the other way around. The two senators ask Lynch whether the DOJ was in fact
playing politics with Aetna, using its leverage to pressure the insurer to participate in Obamacare.
May Be the Scariest Study on Obamacare Yet. [Obamacare's] expansive requirements for minimum essential benefits
were designed to protect the consumer, but they actually wound up causing millions of consumers to lose their pre-Obamacare
healthcare plans. This more comprehensive coverage also lifted premium prices.
Warns Obamacare May Leave Thousands Without Any Options. Arizona Republican Sen. John McCain warned
Thursday that Pinal County could soon be the first to have zero Obamacare marketplace options in the wake of Aetna pulling
out of the exchange — leaving roughly 10,000 residents to fend for themselves in terms of seeking coverage.
The former presidential contender slammed the Affordable Care Act's failures, in an op-ed published on FoxNews.com, noting
President Barack Obama's landmark health-care legislation failed to deliver on the promise of more choices and competition.
McCain said the issues the ACA caused will likely lead to more areas of the country without options due to insurers pulling
out of Obamacare exchanges and raising premiums to make up for sizable losses since its implementation.
Website No Longer Addresses 'You Can Keep Your Doctor'. "If you like your doctor, you can keep your doctor" was
President Barack Obama's signature catchphrase he used to sell the Affordable Care Act to the American people. Now
Obamacare's flagship website, healthcare.gov, no longer even addresses the issue. Ironically, the section in question
was the first public (if indirect) admission by the Obama administration that the president's promise was less than a "guarantee."
States, Nearly 700 Counties Don't See 'Choice and Competition' Promised by Obamacare. Five states will be down
to just one health insurer on the Obamacare marketplace next year, and consumers in 664 counties are projected to face that
same situation under a law sold as providing "choice and competition." The five states that will have no choice are
Alabama, Alaska, Oklahoma, South Carolina, and Wyoming. Two more states, North Carolina and Kansas, are close to having
only one Obamacare insurer, health policy experts note.
insurance market near collapse in Tennessee, state official says. Tennessee's insurance regulator approved
hefty rate increases for the three carriers on the Obamacare exchange in an attempt to stabilize the already-limited number
of insurers in the state. The rate approvals, while a tough decision, were necessary to ensure that consumers around
the state had options when open enrollment begins in November, said Julie Mix McPeak, commissioner of the Tennessee
Department of Commerce and Insurance. BlueCross BlueShield of Tennessee is the only insurer to sell statewide and
there was the possibility that Cigna and Humana would reduce their footprints or leave the market altogether.
The Weirdest Excuse Yet. The speed at which Obamacare is now collapsing has exceeded the pace at which its
advocates are able to produce plausible excuses. For evidence of this, one need look no further than the latest
conspiracy theory concocted by Andrew Slavitt, the paragon of public service who runs the Centers for Medicare and Medicaid
Services (CMS). Slavitt, best known to the public for lying to Congress about his agency's efforts to recover taxpayer-funded
PPACA start-up grants misappropriated by state officials, has instructed his minions to issue a public information request
concerning the "inappropriate steering" of patients to Obamacare exchanges.
Obama Finally Admits He "Accidentally" Shredded U.S. Healthcare. Hillary Clinton is telling voters she wants
"to build on" Obamacare. But President Obama's signature healthcare law remains highly unpopular because many Americans
believe it's not a good deal for them personally. The president essentially laid out a case for his own law's failures
in an article he wrote for the Journal of the American Medical Association. He wrote: "too many Americans still strain
to pay for their physician visits and prescriptions, cover their deductibles, or pay their monthly insurance bills; struggle
to navigate a complex, sometimes bewildering system; and remain uninsured." It was a striking concession. It also
shows that the president still has no idea how much damage he's done to Americans' healthcare.
of US won't have choice between Obamacare plans in 2017. It's looking like a lot of people are going to have
little Obamacare choice next year. One-third of the United States may have just a single insurer to pick from on
Obamacare marketplaces in 2017, an analysis released Friday [8/19/2016] suggests. Seven entire states are projected to
have just one carrier in 2017: Alaska, Alabama, Kansas, North Carolina, Oklahoma, South Carolina and Wyoming, according
to research by the Avalere consultancy.
Is Still A Giant Cronyistic Disaster. Any giant regulatory scheme bringing together big business and big government inevitably leads
to cronyism and corruption. Not long after the Justice Department blocked Aetna's merger with Humana, the company announced it would be
scaling back participation in ACA. Now, Obamacare consumers in 11 states won't be able to keep their insurance even though, one imagines,
they like their plans. But choices are getting scarcer by the year. Aetna is now one of around a dozen major insurance providers
who've dropped completely out or scaled back participation in exchanges.
Retreat From Obamacare Is More Than It Seems. Aetna is pulling out of 11 of the 15 states it serves on the
Obamacare exchanges. Longtime readers of this column will be unsurprised at the reason: It's losing substantial amounts
of money on its exchange policies. That's not necessarily the only reason, of course. Companies in heavily regulated
industries — and health care is now probably our most heavily regulated sector outside of nuclear power plants —
spend a lot of time engaging in n-dimensional chess games with the various government entities that have jurisdiction over their
operations. Public statements and market moves may be exactly what they look like. Or they may be part of a complicated
strategy involving some third, fourth or eighth factor that does not, at first glance, appear to be much related.
Conspiracy Theories Are Looking More Plausible By The Day. Consider what is happening right now with
ObamaCare. Enrollment is way below expectations. Insurers are putting in for double-digit rate hikes across the
country, with some as high as 60%. UnitedHealth, Humana, and Blue Cross Blue Shield are pulling out of several
ObamaCare markets, and most of the nonprofit co-ops created by ObamaCare have gone bust. As a result, the competition
that was supposed to make ObamaCare exchanges the health care equivalent of Travelocity is evaporating. And Democrats
[...] are using these problems to push for a still bigger role for government in providing health insurance.
slashes Obamacare participation by two-thirds. Healthcare insurer Aetna announced Monday that it would reduce
its participation in Obamacare by more than two-thirds, after suffering a $200 million loss in the second quarter of this
year, a loss caused by too many sick people signing up for President Obama's signature healthcare program. "Providing
affordable, high-quality health care options to consumers is not possible without a balanced risk pool," the company said in
a statement. "Fifty-five percent of our individual on-exchange membership is new in 2016, and in the second quarter we
saw individuals in need of high-cost care represent an even larger share of our on-exchange population."
Aetna to pull out of most
Obamacare exchanges. In the latest blow to Obamacare, Aetna is vastly reducing its presence on the individual
exchanges in 2017. The insurer will stop offering policies on the exchanges in 11 of the 15 states where it currently
operates, according to a press release it issued Monday evening. Aetna (AET) will only sell Obamacare products in Delaware,
Iowa, Nebraska and Virginia. Aetna said earlier this month that it was halting its exchange expansion plans for 2017 and
reviewing its participation in President Obama's signature health reform program. The company noted Monday that it has
lost $430 million in its individual policies unit since the exchanges opened in January 2014.
deals latest blow to Obamacare, pulls out of most markets. In a major blow to Obamacare, one of America's
largest health insurers said it was pulling out of most of the markets in which it was participating, citing huge losses in
the past quarter. In a statement Monday [8/15/2016], Aetna reported that it lost $200 million in the second quarter of
2016 and as a result would participate next year in just four states' Obamacare marketplaces: Delaware, Iowa, Nebraska
and Virginia. Aetna had been offering health-insurance plans in 15 states' Obamacare markets this year, but its
retreat mirrors moves by several other major health-insurance providers in recent months.
Will Abandon Obamacare Patients In More Than 500 U.S. Counties. Aetna said it will reduce by more than 500 U.S.
counties its participation in public exchanges under the Affordable Care Act in the face of hundreds of millions of dollars
in losses. In 2017, Aetna said it will be in just 242 counties, down from 778. Aetna will remain on-exchange in just
four states: Delaware, Iowa, Nebraska and Virginia, compared to 15 states where it operates this year. Monday
night's [8/15/2016] announcement comes after Aetna said earlier this month that it would evaluate all of its individual plans in
On "Verge Of Collapse" As Premiums Set To Soar Again In 2017. If Obamacare enrollments continue their current trend and insurers
continue to hike premiums at alarming rates then Republicans may not have to worry about "repealing and replacing Obamacare" as it might just
work itself out "naturally". The 4th open enrollment period for Obamacare begins on November 1, 2016 and industry experts are warning
that another year of tepid demand from "young and healthy" Americans could force more insurers out of the exchanges effectively marking the end
of Obamacare as we know it.
president faces possible ObamaCare meltdown. The next president could be dealing with an ObamaCare insurer
meltdown in his or her very first month. The incoming administration will take office just as the latest ObamaCare
enrollment tally comes in, delivering a potentially crucial verdict about the still-shaky healthcare marketplaces. The
fourth ObamaCare signup period begins about one week before Election Day, and it will end about one week before inauguration
on Jan. 20. After mounting complaints from big insurers about losing money this year, the results could serve as a
kind of judgment day for ObamaCare, experts say. "The next open enrollment period is key," said Larry Levitt, senior vice
president of the Kaiser Family Foundation. The Obama administration has struggled for several years to bring young, healthy
people into the marketplaces, which is needed to offset the medical costs of older and sicker customers. These problems
are coming to light this year, as insurers get their first full look at ObamaCare customer data. Some, like United Health
Group, say they've seen enough and are already vowing to leave the exchanges.
are at risk as Obamacare crumbles. The health insurance exchanges that are the beating heart of Obamacare are
on the edge of collapse, with premiums rising sharply for ever narrower provider networks, non-profit health co-ops
shuttering their doors, and even the biggest insurance companies heading for the exits amid mounting losses. Even the
liberal Capitol Hill newspaper The Hill is warning of a possible "Obamacare meltdown" this fall. Three
states — Alaska, Alabama, and Wyoming — are already down to just a single insurance company, as are
large parts of several other states, totaling at least 664 counties. UnitedHealth is pulling out completely, Humana is
pulling out of 88 percent of counties it was in, and last weak Aetna strongly suggested it will be exiting, too, unless it
gets bribed to stay with a huge, annual infusion of direct corporate bailout payments from taxpayers.
ObamaCare bubble. "No one can see a bubble. That's what makes it a bubble." That was Christian Bale's
character's summation of a market bubble in last year's hit movie "The Big Short," which chronicled the few investors who saw
the signs pointing to the mortgage market collapse. With terrorism, email scandals and race relations dominating the
headlines, has a healthcare bubble been filling up quietly behind the scenes? Since the 2010 passage of the Patient
Protection and Affordable Care Act (ACA or ObamaCar), the health care industry has seen record growth and increased revenues.
Why? Illness, especially chronic, sadly is a moneymaking business. Illness requires more office visits, more
hospitalizations and inevitably more bills. ObamaCare halted insurance companies' practice of rating premiums based
on a customers illness history, or as more commonly known, preexisting conditions.
Is Failing Exactly The Way Critics Said It Would. Aetna's decision to abandon its ObamaCare expansion plans and
rethink its participation altogether came as a surprise to many. It shouldn't have. Everything that's happened
now was predicted by the law's critics years ago.
On second thought, we're backing away from ObamaCare. Two weeks ago, the Department of Justice blocked Aetna's
attempts to merge with Humana and purchase Cigna. Today, Aetna announced that, without the economies of scale the merger
would have provided, they will not expand its reach into new ObamaCare markets as originally indicated. In fact, they may
pull out of the ObamaCare business altogether, leaving almost a million customers in 15 states to find another carrier.
is latest big insurer to deliver blow to ObamaCare. Aetna is calling off its public insurance exchange
expansion plans for next year, as it becomes the latest big insurer to cast doubt on the future of a key element of the
Affordable Care Act.
Democrats Admit ObamaCare Has Been A Huge Failure. [Scroll down] But wait, wasn't ObamaCare itself supposed to fix the affordability problem?
Its official name is, after all, the "Affordable Care Act." And didn't President Obama repeatedly promise that affordability is what this law
would deliver? Why, yes, he did. [...] In fact, two-thirds of the ObamaCare-created nonprofit co-ops have already gone bankrupt — taking
with them close to $2 billion in taxpayer loans — and major insurers are pulling out of ObamaCare markets after losing truckloads of
money. Competition, in other words, is dwindling, not thriving, to the point where Democrats now fear that some markets will end up
bereft of insurance choices altogether.
Obamacare Co-Ops Collapsed. Here's How the Rest Are Faring. Since Obamacare's rollout in the fall of
2013, 16 co-ops that launched with money from the federal government have collapsed. The co-ops, or consumer operated
and oriented plans, were started under the Affordable Care Act as a way to boost competition among insurers and expand the
number of health insurance companies available to consumers living in rural areas. Now, just seven co-ops —
Wisconsin's Common Ground Healthcare Cooperative; Maryland's Evergreen Health Cooperative; Maine Community Health Options;
Massachusetts' Minuteman Health; Montana Health Cooperative; New Mexico Health Connections; and Health Republic Insurance of
New Jersey — remain.
Every Remaining Obamacare Co-Op Is On The Verge Of Total Collapse. [I]n March, it was reported that the last remaining Obamacare co-ops are
on the verge of failing. Two more co-ops in Connecticut and Oregon recently decided to close shop. Right now, roughly one-third of the co-ops
are left out of 23 that were set up. Virtually every one that remains could fold this year.
and the Private Practitioner: 2016. Before Obamacare, the percentage of physicians owning their own businesses was around
70%. It is now hovering around 30%. The reason for the shift is not widely reported. As costs to run their businesses
have been going up, reimbursements to doctors are going down, making the margin for being able to stay open smaller and smaller.
Meanwhile, hospitals are doing comparatively better. Why? Because they can charge more for a service than doctors can
charge. Hospitals can do this because they have traditionally taken care of the uninsured, and states have written into their books
a differential in the reimbursement to make things "fair." This differential allows hospital corporations the ability to afford to
buy doctors' practices. This affects costs adversely.
Is Destroying The Co-Ops It Spent Billions Creating. After providing $2.4 billion in loans to get them started, ObamaCare is now
driving several nonprofit insurance co-ops out of business. That, in turn, will leave tens of thousands of people scrambling to find other
insurance, while making it unlikely that those taxpayer-subsidized loans will ever be repaid. Of the 23 co-ops that started operations
in 2014, only 10 remain, after Oregon's second co-op announced on Friday [7/8/2016] that it was going out of business at the end of the month.
By year's end, Connecticut's will be out of business as well.
14th Co-Op Is Closing Its Doors, and at Least 2 More Could Close Soon. Another Obamacare co-op, Connecticut's
HealthyCT, is closing its doors, and at least two most could follow suit as the nonprofit insurers decide whether they will
be able to remain on firm financial footing. The nine remaining co-ops of the original 23 co-ops must make payments
totaling at least $130 million through Obamacare's risk adjustment program, which could damage their viability. The
Connecticut Insurance Department announced Tuesday that HealthyCT was placed under state supervision, leaving approximately
40,000 Connecticut residents to find new health insurance during the next open enrollment period. HealthyCT is the
14th co-op created under Obamacare to fail since the health care law's exchanges opened in 2013.
Obamacare co-op collapses. Connecticut's taxpayer-funded Obamacare health insurer will close due to minimal
federal funding, becoming the 14th consumer-operated and oriented plan to shut down. The state's insurance regulator
took over HealthyCT, the state's Obamacare co-op, on Tuesday due to financial problems. The co-op, created to spur more
competition on Obamacare's marketplaces, is the 14th out of 23 nationwide to shut down since they were created in 2014.
Now only nine co-ops remain.
Is Killing The Blues. If any insurer could cope with ObamaCare, it should have been Blue Cross Blue
Shield. Blue Cross companies came into the ObamaCare exchanges with decades of experience writing individual
policies. Most of them are non-profits, which gives them an automatic leg up on the competition. And their plans
captured the largest share of the exchange markets across the country. But as with everything else about ObamaCare, it
hasn't work out that way.
Try to Sue Their Way Free of Faustian Bargain. In Christopher Marlowe's Doctor Faustus, the sinful
sawbones eventually thinks better of his bargain with the devil and does his best to weasel out of the deal. A number
of health insurers, having made similarly cynical arrangements with the Obama administration, are now attempting to use the
court system to escape the consequences of their cupidity. Knowing full well that they couldn't make legitimate profits
selling coverage through Obamacare's exchanges, they relied on Democrat guarantees that their losses would be covered by the
taxpayers. But a funny thing happened on the way to easy profits. Congress refused to appropriate the funds.
Shows Everything That's Wrong With ObamaCare. Blue Cross and Blue Shield of Minnesota, the biggest player in
the state with 103,000 individual market customers, is the latest insurer to pull back from the state's ObamaCare exchange
after piling up $500 million in losses. The hit to Minnesotans buying coverage on and off the exchange is just the
latest in a series problems for what ranks as among the least-stable markets in the nation. In 2014, the dominant insurer in
the marketplace, PreferredOne, dropped out of the exchange. For 2016, Blue Cross and Blue Shield hiked premiums by 49%.
Wants To Block All The Exits From ObamaCare. President Obama is fond of saying that ObamaCare is a great
insurance product: coverage that can't be taken away, generous mandated benefits, and subsidized premiums for many. But
if ObamaCare insurance is so great, then why is Obama trying to outlaw a private sector alternative that has become hugely
popular? These plans, called short-term health policies, provide coverage for up to a year. But they don't comply
with ObamaCare's mountain of mandates and regulations — they don't cover pre-existing conditions, maternity care,
etc. As a result, they don't qualify as "insurance coverage" under the law, so anyone who buys such a plan still has to
pay the ObamaCare penalty tax.
23 Co-Ops Created Under Obamacare Have Failed. Ohio's InHealth Mutual co-op announced last week that it is
going out of business, making it the 13th co-op to fail out of the 23 that were created under Obamacare. The Ohio
Department of Insurance asked to liquidate the company, saying that the company was in a "hazardous financial condition." The
co-op served nearly 22,000 consumers who now have 60 days to find another policy offered by another company on the federal
exchange. "Our examination of the company's financials made it clear that the company's losses would prevent it from paying
future claims should its operations continue," said Ohio Director of Insurance Lt. Gov. Mary Taylor. "Under Ohio
law, we acted with certainty to protect the consumers."
to pull out of Illinois insurance exchange. UnitedHealthcare will stop offering Affordable Care Act plans in
Illinois in 2017, the [Chicago] Tribune confirmed Tuesday [5/31/2016]. The departure of the insurance company will
reduce the number of coverage options for consumers in 27 counties. UnitedHealthcare announced in April that it would
pull out of nearly all of the ACA exchanges because of heavier-than-expected losses from covering a population that turned
out to be sicker than it expected. The ACA plans, which the company offered in 34 states this year, are a small
share of UnitedHealthcare's total business.
ObamaCare Subsidy Program Suffers Another Blow. The House Republicans' legal challenge to a key ObamaCare subsidy got a
boost today from an unlikely source: an IRS official who said agency officials had doubts about the legality of the subsidy payments.
The issue involves a second, little-known ObamaCare subsidy scheme that lowers out-of-post costs for lower-income families. Under
ObamaCare, the federal government pays insurers for the cost of this subsidy, as it does for the cost of subsidizing insurance premiums.
anarchy and the lost Constitution. The power that anarchists crave is the power to do whatever they want while
someone else pays for it. The classic example of this is the far-left Cloward-Piven strategy of 1966 that called for
overloading the public welfare system to the point where it would be impossible for the government to afford it, leading to a
collapse that would result in the implementation of a new system altogether — in particular, a guaranteed minimum
income for all people, whether they worked or not. Since then, the "progressive" left has learned to follow the same
strategy in every aspect of government. Thus, Obamacare overloads the federal government with the impossible task of
ensuring health care for everyone. The real goal, as everyone knows, is for the system to collapse and be replaced by
a single-payer system, again taking the burden off individuals and putting it on the government.
Can't Let Obamacare's Collapse go to Waste. All of the deficiencies in Obamacare's structure have been well
documented. High premium costs, unaffordable deductibles, narrow physician networks and very few choices in providers
in many states have led millions of uninsured Americans to continue taking their chances and to just pay the individual
mandate fine. Since those who have enrolled in the exchanges are disproportionately older and less healthy, most
insurers are taking net losses from their exchange plans. United Healthcare just happened to have some of the worst
losses (almost $1 billion over ywo years), and their withdrawal from the exchanges in most states likely means that their
policyholders in those states will just move their red-ink-inducing medical needs to policies from other companies.
disaster will be Obama's enduring domestic legacy. Even before he leaves office, Obamacare has begun
unraveling. The law was passed over the objections of a majority of Americans, it is still opposed by a majority of
Americans — and their opposition has been vindicated. Last week, UnitedHealth Group announced that, after
estimated losses of more than $1 billion for 2015 and 2016 under Obamacare, the company was pulling out of most of its
Is Still a Disaster. Like many Americans, I'm suffering from Obamacare fatigue. Health Freedom Meter
before ObamacareBefore the law was implemented, I repeatedly explained that more spending and more intervention in the
health sector would worsen a system that already was suffering from too much government. And since the law went into
effect, I've pointed out — over and over again — the predictably negative effects of Health Freedom
Meter after Obamacaregiving the government even more control. So I'm tempted to wash my hands of the issue. But
that would be wrong, particularly since advocates of statism disingenuously might claim that silence somehow means acceptance
Obama Hiding In Those Secret ObamaCare Documents? Being the "most transparent administration" in history
apparently doesn't mean complying with a congressional subpoena to find out why more than half of the ObamaCare co-ops have
failed. That's what the House Oversight and Government Reform Committee is learning, at least. It has subpoenaed
information relating to the 23 nonprofit co-op insurance companies that ObamaCare established with $2.5 billion in government
loans. The co-ops were supposed to provide price competition against commercial insurers, but last year many pushed for
and got huge, double-digit rate hikes. Even so, more than half of the 23 set up have failed already, and it's likely
that eight more will collapse this year.
Obamacare's Teachable Moment.
Obamacare is collapsing. UnitedHealth will abandon most Obamacare markets, it said Tuesday. Giant insurers such as Aetna and the
BlueCross Blue Shield Association are next. They warned last week that losses trying to sell Obamacare plans are "unsustainable" —
$3 billion a year, S&P says — and they'll either stop selling the plans or significantly raise premiums.
Losses, UnitedHealth to Pull Back From Obamacare. The UnitedHealth Group, one of the nation's largest health insurers, told
investors on Tuesday [4/19/2016] that it continued to lose hundreds of millions of dollars selling individual policies under the federal
health care law. The company said it planned to pull out of a majority of states where it offered coverage and would offer policies
on the public exchanges in "only a handful of states" for 2017. UnitedHealth, which was a late and seemingly reluctant participant in
the public exchanges, surprised investors last year when it announced its sizable losses, now estimated at more than a combined $1 billion
for 2015 and 2016, because of its poor performance in the public exchanges. Policy analysts have been watching UnitedHealth closely as
an indicator of whether the new individual market developed under the Affordable Care Act is sustainable.
Pulling Out Of Most ObamaCare Markets. The insurer UnitedHealth is pulling out of the ObamaCare marketplaces in
all but a "handful" of states in 2017, the company announced Tuesday [4/19/2016]. The announcement, made by CEO Stephen
Hemsley on an earnings call, follows up on the company's statement in November that it was considering dropping out of
ObamaCare due to financial losses[.] The moves by UnitedHealth, the nation's largest health insurer, have drawn
attention for what they could indicate about the sustainability of ObamaCare as a whole.
Health dropping out of most Obamacare exchanges after losing $1.1 billion. The nation's largest insurer
announced Tuesday [4/19/2016] it will be dropping out of the Obamacare exchanges in all but a handful of states. The
decision comes after the company lost nearly half-a-billion dollars on the exchange business last year and expectations it
will lose even more this year.
Largest Health Insurer Bails on Obamacare. If you like your UnitedHealthcare Obamacare plan, that doesn't mean
you can keep your UnitedHealthcare Obamacare plan. That's because the nation's largest health insurer is bailing on the
central policy initiative of the Obama presidency.
Will Cost $136 Bil More, Cover Fewer People Than We Thought, CBO Says. ObamaCare has been taking lots of hits
lately, but a new report from the Congressional Budget Office is a gut punch. It shows that ObamaCare's outlook has
worsened considerably as fewer people sign up and costs rise more than expected. To little fanfare and virtually no
media coverage, the Congressional Budget Office sharply downgraded its forecast for ObamaCare in its latest report, issued in
late March. By just about every measure, things are looking worse than they did a year ago.
was built on lies and it is about to collapse under its own weight. Well looks like the Republicans knew what
they were talking about, doesn't it? The Obama administration will tell any lie and break any law to prevent the
president's signature health-care program from collapsing. Insurance companies such as United Healthcare and Aetna are
losing billions of dollars trying to sell Obama-Care plans, and it seems they'll drop out at the end of 2016. No insurance
companies means no Obama-Care. President Obama doesn't care about cost, after all it's not his money, it's ours.
On Feb. 12, the administration announced that he will be shelling out a whopping $7.7 billion dollars this year
alone. But it seems it's not only expensive, but bailing out the insurance companies is also illegal.
Will Cost $136 Bil More, Cover Fewer People Than We Thought, CBO Says. ObamaCare has been taking lots of hits
lately, but a new report from the Congressional Budget Office is a gut punch. It shows that ObamaCare's outlook has
worsened considerably as fewer people sign up and costs rise more than expected. To little fanfare and virtually no
media coverage, the Congressional Budget Office sharply downgraded its forecast for ObamaCare in its latest report, issued
in late March. By just about every measure, things are looking worse than they did a year ago.
Run Against Obama.
As for President Obama's signature accomplishment, the Affordable Care Act, nearly every promise he made regarding the
law has proved false. Remember the assurance that health premiums for the average family would decline by $2,500?
In fact, according to the Kaiser Family Foundation, since 2008, average family premiums have climbed a total of $4,865.
The claim that "if you like your doctor, you can keep your doctor" has entered the lexicon of "lying for justice." What
about the promise that the law would not add "one dime to the deficit", or the breezy assurance that signing up on
Healthcare.gov would be just like making air reservations on Kayak.com?
HSA Plans Face An ObamaCare Death Sentence. Health Savings Accounts are a proven free-market health-reform
idea. No wonder the Obama administration has been trying to kill them off. This year, it might finally succeed.
Is Obamacare Regulating Health Savings Accounts Out of Existence? Almost six years to the day after the
Affordable Care Act was enacted, the Department of Health and Human Services (HHS) has taken steps to kill health savings
accounts (HSAs) in the state health-insurance exchanges. It was bound to happen at some point, although some may be
surprised that it took this long. In case you missed it, final regulations published on March 8 will make it impossible
to offer HSA-qualified plans in the future. Whether this is by accident or design, the outcome is clear.
'Cadillac Tax' Could Kill Popular HSA Plans. HSA plans combine a high deductible health plan with a tax-exempt
savings account, into which individuals and employers can contribute money each year. Any interest earned in the HSA belongs
to the individual, any money spent out of the account on health care isn't taxed at all, and any funds left at the end of the
year roll over to the next. The idea is to encourage consumers to be more frugal in their use of health care by making
them more directly aware of costs and rewarding them for being prudent shoppers. [...] So why will ObamaCare's Cadillac Tax
bring this HSA train to a screeching halt?
emerging disaster of Obamacare. Seven years on, the size of the Obamacare disaster is only beginning to emerge.
Fixing it won't be as easy as some of the candidates for president seem to think it will be. The Congressional Budget Office
estimated last week that over the next decade Obamacare will add $1.4 trillion to the nation's debt. Many of the so-called
cures are utterly unrealistic. Hillary Clinton, for example, after proposing new and expensive additions to Obamacare, now
suggests a solution concocted of one part fantasy and two parts nonsense. She would impose a 4 percent tax on millionaires
to pay for increased costs. But her tax would yield only $150 billion over 10 years, a fraction of what her plan
would require. Even millionaires are not what they used to be.
to drop millions from health care plans as Obamacare premiums spike, CBO projects. Obamacare insurance premiums
will leap 6 percent a year over the next decade, and companies will drop millions of employees from their health plans as
insurers and employers calibrate their offerings for the new marketplace, the Congressional Budget Office said Thursday
[3/24/2016]. The health law will continue to steadily grow in both cost and coverage, working toward President Obama's
goal of expanding those with access to insurance — but the government will shell out tens of billions of dollars
to pay for it, analysts said in their latest evaluation of the federal budget and the Affordable Care Act, which is driving
much of the change.
brutal facts about the tottering Affordable Care Act. [#1] Twelve of the 23 Consumer Operated and Oriented
Plans (co-ops) in the U.S., which were intended to spur competition and lower prices, folded in 2015, costing American
taxpayers more than $1.23 billion. [#2] Risk corridors, which enable the government to compensate insurers
that underestimated costs and undercharged their subscribers, paid out much less than the insurers expected because the funds
dried up. What's more, the program is due to expire after this year. [#3] As a result, insurance
premiums and deductibles have gone up dramatically, while the number of doctors patients can see has gone down.
[#4] The losses incurred by the major insurers in the past year have been staggering, and the likes of UnitedHealth,
Aetna and others have signaled that participating in health insurance exchanges may no longer be sustainable. [#5] The
number of young, comparatively healthy people who were expected to sign up and balance out the insurers' payments to older,
sicker people fell drastically short of expectations, which in turn compounded the problem of rising costs.
Was Going to Lower Health Care Costs. Hawking the Affordable Care Act (ACA) six years ago, President Barack
Obama said, "Every single good idea to bend the cost curve and start actually reducing health care costs [is] in this bill."
Team Obama projected that their version of health care reform — replete with the bells and whistles of "investments" in
health information technology, health care delivery and payment reforms — would translate into big cost reductions for
individuals, families and businesses. In his iconic health care "talking points", the president said that the "typical" family
would see a yearly $2500 savings in their health costs. Those family cost savings, of course, have not materialized.
Doomed Democratic Socialism. [Scroll down] Free quality medical care cannot survive a population that converts every injury into an
ambulance ride to the emergency room. Similarly bad personal habits can quickly bankrupt "free" medical care. Try sustaining
socialized medicine where a population eats itself into obesity causing diabetes and heart attacks, slides into narcotics addition,
practices dangerous sex, smokes and drinks to excesses and otherwise burdens the state with self-imposed tribulations?
Now Has Blue Cross Singing The Blues. Fitch Ratings looked at nearly three dozen BCBS companies and found that 23 saw a
decline in earnings that totaled $1.9 billion in the first nine months of last year, while 16 had net losses. Blue Cross Blue
Shield of Michigan lost $622 million from January through September last year. Blue Cross plans in Texas, Oklahoma, New Mexico
and Montana lost $442 billion. And those in Pennsylvania, Delaware and West Virginia lost $266 million. The reason
Official: 8 of 11 Remaining Obamacare
Co-Ops on the Brink. An official with the Centers for Medicare and Medicaid Services told lawmakers last week that eight of the
11 remaining Obamacare co-ops have been selected for "corrective action plans" and "enhanced oversight." Twenty-three co-ops were
created under the president's health care overhaul, and so far more than half have collapsed and are no longer selling plans in
the marketplace. The 12 co-ops that went out of business operated in Arizona, Michigan, Utah, Kentucky, New York, Nevada, Louisiana,
Oregon, Colorado, Tennessee, South Carolina and a co-op serving Iowa and Nebraska.
Naked Plot to Bankrupt America. One topic of conversation in the Republican race for the White House has been
whether President Obama has been incompetent, or actually knows what he's doing. On the matter of Obama's Patient
Protection and Affordable Care Act, commonly known as the Affordable Care Act (ACA) and Obamacare, self-declared socialist
Professor Gerald Friedman seems to agree with conservatives that it can't and won't work. Friedman, a supporter of Senator
Bernie Sanders' (I-VT) "Medicare for All" single-payer plan, says that Obama and his advisers knew that the ACA was a "bad
idea" that would not control costs, and that a total federal takeover of the health care system was inevitable. The
problem with a federal takeover of health care is that it would bankrupt the U.S., leading to left-wing demands for even more
federal control. This is how socialism is coming to America.
is looting the Treasury to pay off insurers. The Obama administration will tell any lie and break any law to
prevent the president's signature health-care program from collapsing. Insurance companies such as UnitedHealthcare and
Aetna are losing billions trying to sell ObamaCare plans, and the risk is they'll drop out at the end of 2016. No
insurance companies means no ObamaCare. In 2014, the White House tried to avert that disaster by promising insurers a
taxpayer-funded bailout, but public outrage and quick action by Sen. Marco Rubio put a stop to it. Now the administration
is at it again.
Now Humana Says It Might Bail On
ObamaCare. We can't wait to see how [Wendell] Potter and other ObamaCare fans are spinning the law's "success," now that insurance companies are
showing big, sustained losses and threatening to pull out of the program next year. The latest to join the list is Humana, which just reported that profits
fell 30% in the last quarter of 2015 and has set aside a reserve for expected losses this year. It's now saying it "continues to evaluate its participation"
in the individual insurance market. A few days earlier, Aetna said it lost up to 4% on its ObamaCare policies in 2015 and said it had "serious concerns about
the sustainability of the public exchanges."
Obamacare Losses Reach Billions Of Dollars After Two Years. After two years offering uninsured Americans subsidized products on public exchanges,
health insurance companies have been hard-pressed to find financial success in this segment of the Affordable Care Act with losses reaching billions of dollars
for the industry. UnitedHealth Group lost more than $720 million on its public exchange business last year, and United is a small player in this market
compared to Anthem, which operates Blue Cross and Blue Shield plans in 14 states, and said money-losing Obamacare plans caused profits to fall 64% in the
fourth quarter. Aetna, which hopes to finalize its acquisition of Humana later this year, said last week individual coverage sold under the health law
"remained unprofitable" last year.
Anthem Tells Customers to Visit Virtual
Doctors, Therapists, and Psychologists. A growing number of major insurers are pushing their customers not to
visit the doctor in person, but via phone. United Healthcare was among the first major insurers to make the switch,
[...] but others are joining.
on the Obama Years. [Scroll down] It is not surprising that the one-size-fits-all, federally imposed reform known
as "Obamacare" has significantly damaged healthcare delivery in America. Indeed, the national media regularly reports critical
stories and exposés that depict the law as oversold and underperforming. What else is there to conclude in the wake of
insurance premium sticker shock, higher deductibles, reduced consumer choice, co-op failures, sign-up shortfalls, medical device
industry layoffs, and the rapid demise of independent medical practices? The illuminating testimony of Professor Jonathan
Gruber affirmed what many of us suspected: that the architects of Obamacare took great pains to increase the bill's complexity
and hide its true costs.
Obamacare's crumbling facade.
As the open enrollment period for Obamacare's health insurance exchanges comes to a close at the end of this month, grumblings from insurers indicate that
part of the healthcare law is collapsing under the weight of the administration's desire to sign up as many people as possible, even if it means insurers
lose money on the deal. UnitedHealth, the nation's largest insurer, recently announced it expects to lose more than $500 million on the Obamacare
exchanges this year — after losing $475 million last year. In November, the insurer said because of higher-than-expected cost claims
it was considering pulling out of the exchanges altogether in 2017.
Hillary's Healthcare Lies. [Scroll
down] Humana is now the third major insurer — following UnitedHealthcare and Cigna — to report huge losses selling
Obamacare plans. Industry experts predict these insurers are likely to abandon Obamacare altogether at the end of 2016. More bad
news: Enrollment figures for 2016 aren't looking good, with fewer young adults (profitable for insurance companies) are signing up
than in the past. Obamacare is in what the insurance industry calls a "death spiral."
loses $720 million offering plans under Obamacare, may withdraw next year. The nation's largest insurer said it booked $720 million
in losses last year by offering plans under Obamacare, and warned Tuesday that it might still withdraw altogether from the health law by next year.
UnitedHealth Group told investors that it expects more losses due to Obamacare in 2016, countering an otherwise upbeat earnings report for the company,
and serving as a challenge to President Obama, who wants to leave the law on firmer footing.
moves ahead with plans to dismantle health exchange. Kentucky's new Republican administration is moving forward
with plans to shut down the state's health insurance exchange, becoming the first state to cut ties with one of the key
pieces of President Barack Obama's signature health care law because of a political promise.
Aetna Quits Pro-ObamaCare
Insurance Lobby. On Tuesday [1/5/2015], Aetna, the third largest health insurance company in the country, announced it was quitting America's Health
Insurance Plan,(AHIP), the powerful lobbying group for the health insurance industry. The company is the second to leave the group, after
UnitedHealthCare quit the group in June.
Not-So-Secret Plan To Force Everyone Into HMOs. Despite the public's clear distaste for HMOs, Democrats have been trying to force-feed
them into the market for decades. It was Ted Kennedy who sponsored the HMO Act in 1973 to promote health maintenance organizations. Among
other things, the law exempted "qualified" HMOs from some state regulations and forced larger companies that provided health benefits to include an HMO
plan. The health legislation proposed by first lady Hillary Clinton in 1993 was also designed to institutionalize HMOs. It makes sense,
since HMOs are basically the private sector's version of socialized medicine — making health care look free to consumers but adding an
elaborate behind-the-scenes rationing scheme to control costs.
The Left May Come to Loathe
Obama. Barack Obama's signature health care law is imploding with the slow and steady pace of a celestial body. The
Affordable Care Act is failing to meet enrollment projections, is losing one local cooperative after another, and is imposing unsustainable
burdens on Medicare and Medicaid — making the case for entitlement reform that much more urgent.
any benefit cuts, Obamacare costs to rise. President Obama has managed to defend his signature health care law's generous system
of taxpayer-funded benefits from attacks in Congress and the courts, but Capitol Hill is finally beginning to eat away at Obamacare's financial
foundations. The year-end spending bill that Congress just approved and Mr. Obama reluctantly signed delays three taxes written into the
2010 law to pay for new benefits and to keep a cap on exploding health care costs overall. The bill also puts a big kink in the safety
valve that was supposed to help limit insurers' losses if they took part in Obamacare.
Includes Lethal Rejection for Obamacare. As Ronald Reagan — who signed several omnibus bills
himself — famously said, facts are stubborn things. And one of the most intransigent facts about this bill is that
it imposes a deadly dose of fiscal restraint on Obamacare. It requires the law's "risk corridor" program to remain budget
neutral. This is far more dangerous to the "Affordable Care Act" than most observers realize. Specifically, it thwarts
the Obama administration's plan to indiscriminately use taxpayer funds to revive Obamacare's moribund insurance exchanges.
Obamacare Loses the Bet.
I've been talking about the "arithmetical absurdity of Obamacare" and the common version of health "insurance" for nearly
eight years. Not long ago, I pointed out that the insurance that was available from the exchanges, for individuals,
was excessively expensive and had poor coverage. Since then, about half of the Obamacare co-ops — nonprofit
insurance companies created with startup funds from the government to provide insurance on the exchanges — have
failed and either have gone out of business, or are in the process of doing so. What's killing these co-ops? Oh,
there's some fraud, and there's some Democratic Party cronies who made some big money, but what's really killing the co-ops is
something much more unrelenting than fraud, much more insidious than cronyism. What's killing the co-ops? Arithmetic.
Repeal Would Cut Deficit, Boost Growth — CBO. A little-noticed report released Friday afternoon
[12/11/2015] by the Congressional Budget Office shows that the Senate bill to repeal most of ObamaCare would cut the deficit
by as much as $474 billion, while boosting GDP, investment and capital stock. The findings stand in sharp contrast to
promises by President Obama and other Democrats that ObamaCare would accelerate economic growth and lower federal deficits.
According to the CBO, repealing ObamaCare's subsidies and Medicaid expansion would cut federal spending by almost $1.4 trillion
over the next 10 years. And getting rid of its myriad tax hikes would reduce tax revenues by $1.1 trillion, resulting
in $281 billion decrease in projected deficits over the next decade.
Is Now on Life Support. Democrats gained the political muscle to push the Affordable Care Act (ACA) through
Congress on three basic arguments. First, they argued that the United States had too many uninsured people, with
estimates ranging from 30 million to 45 million. Second, the rise in costs for health care outstripped inflation,
and the market required an intervention that would bend the cost curve downward. Third, Democrats claimed that insurance
companies made too much profit and shorted most consumers on care, while those with generous health plans — so-called
"Cadillac plans" — drove up utilization rates and costs for everyone else.
Administration: Obamacare Has Driven Health Spending Up, While Covering Fewer Than Expected. For years, we've
heard from Obamacare's supporters that the law has been a success, because, they say, it has provided more people with health
insurance, and slowed the growth rate of health spending. Well, the returns are in. Last week, the Obama administration's
Centers for Medicare and Medicaid Services released its official estimates of the uninsured population and of health spending.
And in 2014, we learned, Obamacare's coverage expansion fell between 6 and 12 million short of expectations, while driving
the growth of health spending to its highest rate in 7 years.
Panel Wades Into Obamacare Healthcare Co-op Collapses. Members of the House Committee on Oversight and
Government Reform want to know why half of the 23 Obamacare health insurance co-ops have failed, and they are demanding
documents from the Obama administration that may offer answers. Utah Republican Committee Chairman Rep. Jason Chaffetz and
three subcommittee chairmen sent a letter to the Centers for Medicare and Medicaid Services (CMS) Nov. 20 demanding it turn over
documents about the co-ops by December 4. CMS is part of the Department of Health and Human Services and manages Obamacare.
Obamacare Endures the Death of a Thousand
Facts. The problem is that "reform" distorts the market by burying both insurers and the insured beneath a mountain of mandates.
Probably the worst is Obamacare's benefit mandate. Most health plans must now include 10 "minimum essential" benefits — whether customers
want them or not. This mandate has inevitably caused the cost of providing coverage to skyrocket. The only way a company like UnitedHealth
can keep premiums under some modicum of control is to offer plans with very high deductibles. Meanwhile, the law's individual mandate has utterly
failed as an incentive for healthy individuals to purchase insurance. This has led to a "lose-lose" situation for insurers and for patients.
ObamaCare's imploding even without repeal.
It's looking like ObamaCare won't survive even if Congress can't manage to repeal it. The nation's largest health insurer, UnitedHealth
Group, said last week that it's losing too much — $425 million — from policies sold on the health exchanges, and
may have to pull out by 2017. The company admits it's "a potentially huge blow" to the new system: "If a major publicly traded
insurer bows out, others may follow and destabilize the entire individual market."
Blow To Obamacare: Nation's Largest Health Insurer May Exit Obamacare Exchanges By 2017. In what may turn out to be a major blow against Obamacare,
United Healthcare, the nation's largest provider of health insurance, announced Thursday [11/19/2015] it is scaling back marketing of its plans sold in the
Affordable Care Act's exchanges, and may stop selling individual exchange plans altogether after 2016.
A new taxpayer bailout to cover up
ObamaCare's failure? Thursday [11/19/2015], just hours after giant insurer UnitedHealthcare said it's losing money selling
ObamaCare plans and will likely exit the health exchanges next year, the Obama administration quietly promised to bail out insurers for
their losses — using your money. Nearly all insurers are bleeding red ink trying to sell the unworkable plans.
Without a bailout, more insurers will abandon ObamaCare, pushing it closer to its demise. A bailout would benefit insurers and the
Democratic Party, which is desperate to cover up the health law's failure.
Healthcare may exit individual insurance exchanges after 2016. The nation's largest provider of health insurance announced
this morning [11/19/2015] that it may choose to stop offering individual coverage after 2016, and will "pull back on its marketing efforts"
immediately in this market. If the losses continue and United pulls out of next year's exchanges, it will set up a very bad
moment for ObamaCare — and for Democrats just weeks before the election.
UnitedHealth Can't Make It Under ObamaCare, Who Can? The nation's largest health insurance provider surprised
the markets Thursday [11/19/2015] by saying losses from its 550,000 individual ObamaCare exchange enrollments were sharply cutting
its bottom line. That's notable because ObamaCare exchange participation only forms a small slice of the $105 billion
company by market capitalization. Yet it was enough to make the giant company and all the value it creates throughout its
many operations suffer enough to trigger, as IBD market reporter Jed Graham wrote, "a surge of red ink."
The [Obamacare] law was written so that its least attractive features would kick in toward the end of Obama's presidency, and after it.
The Medicare rationing board has yet to come online. The tax on some employer-provided plans — a tax that is, in modified
form, defensible, but still has to be reckoned a downside for voters — has not yet been imposed. The tax on the uninsured
is already in place, but set to escalate. Now UnitedHealth Group, the country's largest insurer, is indicating that the law's vaunted
exchanges may also be seeing their best days.
Will Yank Obamacare Plans Serving 100,000 Patients. Humana said it will discontinue several products offered on
government-run exchanges under the Affordable Care Act, impacting about 100,000 individuals currently covered by the
insurer's plans across the country. The move, disclosed this morning in the company's third-quarter earnings report,
comes due to higher-than expected medical costs from sick newly insured patients covered under the health law.
The Gift That Keeps on Taking. The brain dead proponents and cheerleaders for Obamacare reveal themselves to be
nothing more than liberal control freaks who care not for the people they supposedly are helping with "free" healthcare. They
need to falsify enrollment figures in order to prove how successful they've been in destroying the health system. They only
care about press releases and winning the PR battle with the Republicans. It's all about votes. It's not about what
is best for the uninsured. Families being forced into the limited number of Obamacare plans are seeing weekly costs of $300
to $400 for barely acceptable coverage.
Obamacare Co-ops Signal Big Trouble to Come. In the original plan for the Affordable Care Act (ACA), better
known as Obamacare, Democrats wanted to include a "public option" in the health insurance exchanges — a
government-run plan that advocates claimed would guarantee affordable access. To critics and consumers, it looked
like an end run to a single-payer health care system. [...] When it became clear that the public option would be a
non-starter, Barack Obama and Democrats in Congress settled on a compromise: health insurance co-ops.
Obamacare Is Dead.
Regardless of whether there is a President Cruz or a President Rubio in January 2017, regardless of the existence or size of a
Republican majority in Congress, the so-called Patient Protection and Affordable Care Act (ACA) has failed. The grand vision
of an efficient pseudo-market in health insurance under enlightened federal management — the heart of Obamacare —
is not coming to pass. Obamacare, meaning the operating model that undergirded the law that Congress passed and President Barack
Obama signed with great fanfare — is dead, and it will not be revived. What remains is fitful chaos.
ObamaCare's death spiral, stage one: Denial.
Enrollment is falling short. The Obama administration projects that it will have roughly 10 million people on the state and federal
exchanges by the end of next year, a staggering climb-down from prior expectations. The Congressional Budget Office had predicted that there
would be roughly 20 million enrollees. If the administration is to be believed, enrollment will only increase about another million next
year from its current 9 million and only sign up about a quarter of the eligible uninsured.
Nearly Half of Obamacare Co-Ops Have
Failed. Ten of the 23 health insurance co-ops created under Obamacare have gone out of business, and experts say
more will follow. Utah's Arches is the latest co-op to fail, along with others in Kentucky, New York, Nevada, Louisiana,
Oregon, Colorado, Tennessee, South Carolina and a co-op that served both Iowa and Nebraska. Experts say that the co-ops
are failing because of artificially low premiums, strict regulations, and too many people requiring payouts.
Is A Disaster: Co-Op Insurers Across America Are Collapsing, And Now There Is Fraud. Two weeks ago we reported that in what at the time
was still a rather isolated incident, Colorado's largest nonprofit health insurer (aka co-op), Colorado HealthOP is abruptly shutting down, forcing
80,000 Coloradans to find a new insurer for 2016. [...] Fast forward to today, when we learn that another co-op, this time New York's Health Republic
Insurance — the largest of the nonprofit cooperatives created under the Affordable Care Act — is not only shuttering, but was
engaging in fraud.
Arches Health Plan to stop
operations. About 45,000 Utahns who use Arches Health Plan will need new health coverage beginning in 2016 because
of a severe shortfall in expected federal funding, the Utah Department of Insurance announced Tuesday [10/27/2015].
is entering its dreaded 'death spiral'. The Obama administration is having trouble selling insurance plans to
healthy people. That's a big problem: When the young and healthy don't enroll, premiums have to be hiked to cover
the costs of older, sicker people, discouraging even more young people from signing up. Last Thursday [10/15/2015],
the administration predicted enrollment for 2016 will be less than half what the Congressional Budget Office predicted in March.
Despite subsidies to help with premiums and out-of-pocket costs, most of the uninsured who are eligible for ObamaCare are saying
"no thanks." Only one in seven is expected to sign up. That's despite a hefty increase in the financial
penalty next year for not having insurance.
House concealing list of a dozen dying Obamacare insurers. Federal officials have a secret list of 11 Obamacare
health insurance co-ops they fear are on the verge of failure, but they refuse to disclose them to the public or to Congress,
a Daily Caller News Foundation investigation has learned. Just in the last three weeks, five of the original 24
Obamacare co-ops announced plans to close, bringing the total of failures to eight barely two years after their launch
with $2 billion in start-up capital from the taxpayers under the Affordable Care Act. All 24 received 15-year
loans in varying amounts to offer health insurance to poor and low income customers and provide publicly funded competition
to private, for-profit insurers.
In Case You Were Wondering, Obamacare is Going
Great. [T]he Obamacare rollout is an ongoing dumpster fire that is going to be a political liability for the Democrats again in 2016,
if things do not turn around quickly. In the first place, the health insurance co-ops, which were propped up by massive tax friendly loans, are
self-destructing faster than any of the dozens of taxpayer-backed "green energy" companies that have cratered under Obama's watch. Of the 24 such
co-ops that were started under the program, 9 have already gone under (in less than two years) and 11 more are on the brink of insolvency.
It doesn't take a mathematical genius to predict that, come election day on 2016, there might not be a single Obamacare co-op operating in the
country — which was one of the program's key components to get low income, higher risk people insured.
ObamaCare Co-Ops Failed; Are 11 More On The Way? Last week, the total number of failed ObamaCare-created insurance co-ops reached eight,
as co-ops in Colorado and Oregon announced that they were closing doors at the end of the year. These co-ops got a total of about $900 million
in low-interest loans, most of which are unlikely to be repaid. [...] Now we learn that 11 of the remaining 15 co-ops could be at death's door too, but
the administration is hiding information about their health.
v. Burwell helps repeal ObamaCare. Public opposition to ObamaCare has lasted far longer than its authors
imagined. Unsubsidized consumers avoid ObamaCare coverage. Twenty states have rejected its Medicaid expansion. Congress wants
to repeal it. President Obama and the Supreme Court have repeatedly amended and expanded it, transforming the statute Congress enacted
into an illegitimate law that no Congress ever had the votes to pass, and making repeal not just an economic imperative but necessary to
restore the Constitution's system of checks and balances.
Feds Hide Secret List Of 11
Staggering Obamacare Insurers. Federal officials have a secret list of 11 Obamacare health insurance co-ops they fear are
on the verge of failure, but they refuse to disclose them to the public or to Congress, a Daily Caller News Foundation investigation has
learned. Just in the last three weeks, five of the original 24 Obamacare co-ops announced plans to close, bringing the total of failures
to nine barely two years after their launch with $2 billion in start-up capital from the taxpayers under the Affordable Care Act.
More ObamaCare Co-Ops Fail. It's hard to keep up with the failure of ObamaCare co-ops these days. As IBD noted yesterday
[10/15/2015], a total of six of these nonprofit, government-subsidized insurance companies had gone belly up. Today, two more got
added to the list. Colorado HealthOP announced that it would cease operations at the end of the year. According to the Associated
Press, Colorado HealthOP was the largest insurer in the state, with 83,000 members. [...] The same day, Health Republic, which covers 15,000
people in Oregon, said that it too would not last past the end of this year.
Flop: The Biggest Obamacare Disaster You've Never Heard About. It's an Obamacare story with every imaginable outrage —
blatant conflicts of interest, millions of tax dollars going to political cronies, thousands of Americans left without health insurance, lavish
pay for incompetent executives, federal funds diverted illegally, multiple congressional investigations, insider trading convictions and big
decisions made behind closed doors. Tragically, there is even a child abuser. But search the New York Times web site for "Obamacare
co-ops" and nothing comes up. Just three entries appear for the same search on the Washington Post web site.
Enrollment Flatlines As 6th Insurance Co-Op Fails. With less than a month to go before ObamaCare open enrollment starts,
the Health and Human Services Department has massively downgraded how many it expects will sign up. In a report released
Thursday [10/15/2015], HHS said that enrollment will be between 9.4 million and 11.4 million by the end of next year.
In other words, enrollment will be about half what the Congressional Budget Office projected.
more Obamacare co-ops fail: Tennessee and Kentucky both announce closures. Approximately 27,000 Tennesseans who had coverage through the
Tennessee Community Health Alliance will be receiving cancelation notices soon. Just yesterday [10/14/2015], the CHA announced that it had entered
a voluntary state-approved runoff and will no longer offer insurance plans in 2016. This decision comes just weeks away from the next Obamacare
Open Enrollment period beginning on November 1, 2015. Policyholders who continue to pay their premiums will keep their coverage through
December 31, 2015, but will be forced to choose a new plan from the four remaining carriers participating in the state's Exchange.
Obamacare Insurance Co-Op This Year Shuts Down. Kentucky Health Cooperative, an insurance co-op created by
Obamacare, is closing its doors after massive losses. This is the fifth co-op to go under this year, following the failure of
insurers in Iowa, Louisiana, Nevada, and the largest co-op in the nation, New York. The "risk corridor" program, what was
supposed to reimburse insurance companies for part of their losses, simply isn't paying out enough money to offset the massive
amount in claims being paid off. This is because less money is coming into the program than was expected.
payment to insurers $2.5 billion less than expected. Reneging on previous promises and guarantees, the federal
government has decided to short insurance companies out of billions of dollars agreed to under Obamacare. The Washington
Examiner reports that, "Insurers learned late Thursday [10/1/2015] that they'll receive just $362 million out of the $2.9 billion" they
had requested from Obamacare in 2014. Why? Because Obamacare "hasn't brought in nearly as much money as it needs to pay out."
Obama: Nihilist or Just Incompetent? Take
Obamacare. Only the incompetence and impracticality of the Affordable Care Act will render it irrelevant. After visiting a number of
doctors' waiting rooms in the impoverished San Joaquin Valley, I can attest that most of Obamacare patients have little idea of what a deductible,
copayment or premium is, have less desire to find out, and prefer going back to the ER or free federal and state health clinics whenever possible.
Does signing up once for Obamacare ensure that the user continues to pay premiums on time and has cash for deductibles? And if not, then
what? Otherwise, most who had their own insurance just shrug that it is now far more expensive for less care, and move on. They are
apparently relieved that higher costs for their plans are worth them not devolving entirely into Obamacare coverage.
Plot To Use Illegal Aliens To Bail Out ObamaCare. In the wake of last week's papal visit, Rep. Luis Gutierrez
wants to extend the Affordable Care Act to 11 million illegal aliens. It's nothing but a taxpayer-financed rescue for the
increasingly unsustainable program. The Illinois Democrat is known as a left-wing extremist who'd do anything to succor illegal
aliens. So the "Exchange Inclusion for a Healthy America Act of 2015" that he introduced Wednesday to extend ObamaCare to
11 million illegal immigrants will be dismissed as a nonstarter. After all, when asked in 2012 whether illegals would have
access to the new health care system that he was selling, the president explicitly promised, "Those individuals will not be covered."
Nor should they.
Gutiérrez Introduces Bill to Open ObamaCare to Illegal Immigrants. Rep. Luis Gutiérrez (D-IL)
says illegal immigrants should not be barred from Obamacare. Gutiérrez says access to Obamacare is a moral
imperative for all, regardless of legal status. He's introduced legislation that would expand access to President
Obama's signature healthcare law to illegal immigrants.
Democrat pushes ObamaCare
coverage for all immigrants. Congress's most vocal immigration reformer introduced legislation Wednesday [9/30/2015]
that would extend ObamaCare to the millions of people who are in the country illegally. Rep. Luis Gutiérrez said his
bill serves both a moral and economic purpose. Invoking the recent visit of Pope Francis, the Illinois Democrat said expanding
the law's health benefits would help the nation's most vulnerable.
The Editor says...
Those who are in the country illegally should be deported without regard to emotional appeals from left-wing opportunists.
Illegal aliens do not merit our help sign up for federal handouts. The money for these half-baked ideas has to come from
somewhere, and that's a hard fact the Democrats hope you don't consider. And since when is government immigration policy
prescribed by the Pope? Where are the "separation of church and state" people now?
Obamacare Healthcare Co-op to Close. The financial benefits and savings touted by Obama and his allies on the
road to Obamacare's passage are still failing to live up to their promise. In fact, the largest non-profit co-op
created under the law is about to fold.
Premiums Have Climbed $4,865 Since Obama Promised to Cut Them $2,500. Since 2008, average family premiums have
climbed a total of $4,865. [...] "We will start," Obama said back in 2008, "by reducing premiums by as much as $2,500 per
family." That $2,500 figure was Obama's mantra on health care. You can watch the video if you don't believe it.
And Obama wasn't talking about government subsidized insurance or expanding Medicaid or anything like that. He specifically
focused on employer provided health care.
Everyone Focused On Presidential Politics — We Quietly Slip Past ObamaCare Stage 6. The Democrat and
Republican politicans are certainly providing us with a bounty of shiny things to keep us occupied. Meanwhile, perhaps it's
prudent to note we are entering the final stages of ObamaCare's intended structure, the creation of "single-payer" solutions.
Big Cost-Saving Idea Isn't Working. The idea was to encourage doctors and hospitals to coordinate care with an
eye on keeping patients healthier and lowering spending. These "Accountable Care Organizations" would get bonuses if they
were able to keep costs below what traditional Medicare would have spent. That was the idea, anyway. But it turns out
that almost half the 353 ACOs in the program last year spent more on seniors than would have been the case had they stayed in
regular old Medicare, Kaiser reports. Oregon's North Bend Medical Center, for example, spent 12% more than expected, and
then dropped out of the ACO program this year.
'Cadillac Tax' Will Cost Workers Their Flexible Spending Accounts. Workers across the country will soon learn
just how big President Obama's "keep your plan" lie was when ObamaCare costs them their beloved Flexible Spending Accounts.
FSAs were designed to help level the playing field between the tax treatment of out-of-pocket costs (which had to be paid with
after-tax dollars) and bills paid by insurers, tax free. Millions of workers use these accounts to put aside money each year
for bills they expect to incur. ObamaCare already struck a blow against FSAs when it limited contributions and further
restricted what the money could be spent on. Now the law's Orwellian Cadillac tax threatens to kill them off entirely.
Welcome to the United States of Alice. In
2012, ACA was challenged for the first time before the Supreme Court. The majority of justices invalidated the administration's
argument that the law does not impose a tax, but then turned the rejected contention into the reason for the law to stand. "That
carries verbal wizardry too far, deep into the forbidden land of sophists," wrote the four dissenting justices.
face it... the only winners from Obamacare were the insurance companies. For anyone who has been paying
attention since roughly 2008 this really shouldn't be any sort of surprise. We had plenty of warning from conservative
critics and it was at least suggestively supported by Democrats who kept changing their story on what the Affordable Care Act
was really supposed to do. Originally it was going to lower rates. Then it was going to keep them roughly the same.
Then the Democrats admitted that the rates would go up, but they would go up more slowly than they would if we never passed the
legislation. [...] But there's a bit more to the story here than is reflected in just the premium increases.
ObamaCare Co-Op Bites The Dust, As Taxpayer Costs Mount. After getting $69.5 million in government-sponsored startup
loans, Nevada's co-op saw enrollment come in far lower than expected, and claims costs far higher, resulting in a $15 million
loss last year. CEO Pam Egan said the co-op was seeing the same dismal results this year, making it impossible to provide "quality
care at reasonable rates." Democrats who designed ObamaCare created these nonprofit co-ops in the belief that they could provide
price competition in ObamaCare exchanges. To get them off the ground, the federal government pumped more than $2.5 billion
in startup loans and $355 million in solvency loans when things started to turn sour last year. The costly experiment has
largely been a failure.
ObamaCare's True Cost.
Privacy is available, but at a huge premium, for out-of-network physicians. Few can afford this. The upshot is that
the majority, needing someone, lose the ability to pick their doctor. If you have any of what they call "modifiable factors,"
like obesity or diabetes, smoking or drug habit, co-morbidities, irresponsible sexual habits (with or without prophylactics),
instead of being scheduled to see a physician in 18 weeks, you're waylaid, VA-style, months. Years.
'Cadillac tax' to hit 1 in 4 employers that offer health care benefits. Obamacare's "Cadillac tax" will hit one
in four employers that offer health care benefits, a leading industry analyst says in a report being released Tuesday [8/25/2015],
socking companies with a massive levy that Republicans and Democrats on Capitol Hill say is unfair to those who have negotiated
high-quality plans as part of their jobs. The Kaiser Family Foundation estimates that 26 percent of companies will be
affected by the tax when it takes effect in 2018 and 42 percent of employers will be paying the levy a decade later,
signaling just how quickly health care costs are expected to rise — and how valuable the Cadillac plans are.
3 Million Could Lose Their ObamaCare Subsidies Next Year. Fully 40% of taxpayers who received ObamaCare subsidies last
year haven't filed their taxes yet and are at risk of losing their subsidies for next year, according to the American Action Forum.
An update on ObamaCare that the IRS recently sent to Congress said that out of the 4.5 million taxpayers who got ObamaCare's "advance
payment" subsidies last year, only 2.7 million had filed the required tax forms as of the end of this May.
Huge Iowa Co-Op Failure May Be Just First. A few years ago, the idea of nonprofit co-ops was music to ObamaCare
advocates' ears. Freed from the need to deliver profits to investors, these nonprofits would provide competition and choice
to the individual market. That was the theory, anyway. And there were few places better suited to the success of this
concept than Iowa and Nebraska, states that had little competition, where uninsured rates were high and businesses were
dropping coverage. So with millions in federal low-interest startup loans, CoOpportunity was one of the first ObamaCare
co-ops to get off the ground. It was also the first to fail.
Obamacare Health Co-Op Ends in Failure. Bleeding cash, the Louisiana Department of Insurance (LDI)
announced Friday [7/24/2015] that Louisiana's Obamacare health insurance co-op will be closing its doors by the end
of 2015. It will be the second collapse of an Obamacare health care co-op this year and the third since the
Obama administration rolled them out in 2012 as a competitor to commercial health insurance companies.
Is ObamaCare Punishing Companies That Try To Make Health Care Affordable? Back in
2013, the IRS issued a startling new rule. Any business that doesn't provide insurance but does help
employees with the cost of their own insurance will be fined $100 per day — which works out
to $36,500 a year — per employee. In the bizarre logic of the Obama administration, a
company that offers such help is actually providing a group plan, one that doesn't meet ObamaCare's
ridiculous array of mandates and regulations. Allegedly, the goal of the penalty — which went
into effect this month — was to keep businesses from dumping workers into the ObamaCare exchanges.
to drive a stake through heart of ObamaCare. Pushed through against popular will by
using obscure parliamentary tricks and dispensing old-fashioned "favors" with key lawmakers, ObamaCare
has been an unmitigated disaster rife with price hikes, website crashes, lost coverage and corruption.
The American public's reaction to ObamaCare has been loud and clear, as it has led to two cycles of Republican
sweeps at the congressional level.
'Reform': 34% Fewer Doctors, Double-Digit Premium Hikes. A new report from Avalere
Health finds that enrollees in ObamaCare plans have access to 34% fewer providers than those who buy
a commercial plan outside the exchange. On average, it found, ObamaCare enrollees had 32% fewer
primary care doctors and 24% fewer hospitals from which to choose. Worse, ObamaCare plans covered
42% fewer oncologists and cardiologists than non-ObamaCare plans. What this means is that lots of
patients will end up going out of network to get the care that they need, which means paying far
more out-of-pocket costs.
Mandate Penalty Tax Brings In 40% Less Than Expected. The IRS reported this week that
6.6 million people paid the ObamaCare mandate penalty for not having insurance last year, which the
administration says is 10% higher than they'd expected. This isn't exactly good news, given that
the entire point of the mandate penalty tax is to encourage everyone to buy coverage. Even if it
were, the number comes with two big caveats.
Paid by 6.6 Million Taxpayers, Above Estimate. The penalty of as much as 1 percent of
income was implemented under the Patient Protection and Affordable Care Act, or Obamacare, and was
meant to encourage people to sign up for health insurance. The Treasury Department had said in
January that as many as 6 million taxpayers would pay the fine. The average penalty was $190, the
National Taxpayer Advocate, the in-house ombudsman of the Internal Revenue Service, said Wednesday [7/15/2015]
in a report. About 300,000 taxpayers overpaid the penalty by a total of $35 million. Most
should have been exempt for their low income, according to the agency.
Committee Demands Emails About Oregon's Failed $305 Million Obamacare Exchange. The
House Committee on Oversight and Government Reform earlier this month demanded the Department of
Health and Human Services (HHS) hand over all documents related to Oregon's failed $305 million
Obamacare exchange, known as Cover Oregon. The Letter sent to HHS "questions about the use of
federal funds to develop Cover Oregon remain" amid allegations that control over the exchange was
given to campaign consultants concerned with getting then-Gov. Kitzhaber reelected, not fixing the
many faults of the system.
Obamacare Is Here to Prey.
Saturday morning [6/27/2015], fresh from his latest victory over the rule of law, President Obama delivered his
weekly address to the bored technicians and sycophantic aides who make up most of the audience for this
anachronistic performance. His theme was as predictable as it was Orwellian: "The Affordable Care Act
is working, and it is here to stay." The first half of this assertion fails to pass the laugh test. [...]
That it is a failure by every standard set forth by its apologists is of no importance to the President or his
fellow Democrats. They never cared what effect the law would have on the cost, quality, or availability of
American medicine. It was never really about health care. This is why they have been willing to
revise it more than 50 times to keep it alive.
Obamacare Nightmare Is Just Beginning. [Scroll down] And what about those big
"savings" from the Medicare payment reductions? They were earmarked to help cover the costs of the
insurance subsidies. Yet the Medicare Actuary and the CBO have both routinely dismissed the massive
Medicare payment cuts as either unrealistic or unsustainable. Meanwhile, other problems mount.
The state exchanges are financially troubled. Coverage is still insecure, especially when loss of
employment is tantamount to a loss of a health plan. Bureaucracy, red tape and paperwork plague the
system, increasing costs and frustrating doctors and patients alike. All of those problems are
getting worse, not better.
Unleashes Anti-Consumer Merger Mania In Health Care. Does anyone remember President
Obama promising that ObamaCare would create a few giant health care oligopolies? Well, it's heading
that way. This week, IBD's Ciaran McEvoy reported on Tuesday [6/23/2015], health insurers are the
latest to catch the health industry's merger mania. Anthem is trying to take over Cigna.
Humana is being pursued by Aetna, which in turn is a target of United Health Group. "It could be
just Anthem and UnitedHealth when the dust settles," McEvoy notes.
Are the Latest Victims Of ObamaCare's False Promises. President Obama recently claimed
that ObamaCare is working even better than anticipated. That would be a tough sell to all those
hospitals that thought the law would help them make ends meet.
million Hawaii Obamacare exchange bites the dust. After months on life support, the Hawaii Obamacare
exchange will shutter operations due to the site being economically unsustainable. The state sought more cash
from the federal government — after spending more than $200 million — but when that option
fell through, Hawaii had little choice but to close it down.
on the critical list. The future of Obamacare teeters, waiting for a decision by the
U.S. Supreme Court, and many Americans are concerned over budget-breaking rate increases in their
health insurance coming in 2016. Proposed rates from major insurance companies look to be arriving
on a runaway train and those Americans appear to be tied up and lying across the tracks. This was
not the way President Obama promised it would be.
abandons troubled state ObamaCare exchange. Hawaii is taking its troubled ObamaCare insurance
exchange off life support, the governor's office announced Friday [6/5/2015], the latest addition to a growing
number of state exchanges forced to close after operations became unsustainable. The once-highly praised
Hawaii Health Connector has been "unable to generate sufficient revenues to sustain operations," Gov. David Ige's
office said in a statement. The federal Centers for Medicaid and Medicare Services (CMS) informed the
exchange last week that federal funds were no longer available to support long-term operations.
Emergency Room Trauma. Three-quarters of the 2,099 doctors responding to the nationwide survey
conducted by the American College of Emergency Physicians indicate they have seen an increase in emergency
room (ER) visits since the Affordable Care Act (ACA), better known as Obamacare, went into effect on
January 1, 2014. In the same survey, 28 percent of the respondents say ER use has "increased
greatly." What providers are witnessing daily in the ER is not what the Obama administration promised
would happen, says Dr. Richard Armstrong, a surgeon who practices in Michigan and serves as a board member
of the Docs4PatientCare Foundation.
Anticipate Significant 2016 Obamacare Premium Hikes. [Scroll down] "Things just
haven't worked out" sounds like a plausible slogan for the law. [Philip] Klein notes that based
on the administration's own data, sign-ups among healthy young adults are nowhere near White House
projections, and that overall enrollment is lagging far behind the pace needed to hit stated goals.
Dirty Secret: 31 Million Still Can't Afford Treatment. The president's healthcare law
sliced America's uninsured rate down to historic lows by expanding coverage for tens of millions of
Americans. At the same time, however, the number of insured people who still lack affordable, robust
coverage is rising sharply as more people buy into high-deductible policies. A new study from
the Commonwealth Fund reveals that about 23 percent of Americans with coverage are considered
underinsured — up from 12 percent in 2003. That means roughly 31 million
Americans who bought health insurance still have trouble affording treatment under their policies.
ObamaCare Subsidies Could Benefit Millions, Study Finds. To hear ObamaCare backers,
striking down those subsidies will be a devastating blow to the nation's health and well-being.
[...] But a new report co-authored by Douglas Holtz-Eakin, a former director of the Congressional
Budget Office who now heads up the American Action Forum, says that these critics are looking at
only one side of the equation. Even if Congress does nothing to restore those subsidies,
millions could benefit in other ways.
ObamaCare threat to New York's hospitals. City Comptroller Scott Stringer laid out the
grim facts last week on how the most progressive law in decades means disaster for New York City.
The bottom line of Stringer's report: Thanks to the Affordable Care Act, aka ObamaCare, Uncle Sam
will cut more than $800 million in payments to the city's Health and Hospitals Corp, by Fiscal Year
2019. The president's signature law slashes federal payments that long helped out hospitals serving
lots of patients who lack insurance. The idea was that the law would boost coverage so dramatically
the aid would be unnecessary. Except that illegal immigrants don't qualify for ObamaCare
coverage — and they make up a big chunk of the city's uninsured population.
Unintended Consequences of Obamacare. Ever since its passage, supporters of the law have made countless
attempts to convince the American people of its viability, dismissing predictions of lost jobs, decreased hours, and
rising costs, among others. Yet from major corporations to local mom-and-pop shops, from entire states to tiny
school districts, a wide range of companies and institutions have seen Obamacare's negative impact on their workers,
budgets, and production. Here are 100 examples of how Obamacare is falling short of what was promised.
Hawaii's $205M ObamaCare system
on life support, critics fear 'complete waste'. Federal taxpayers dumped more than $205 million into Hawaii's
ObamaCare insurance exchange, but after a steady downward spiral the once-highly praised Hawaii Health Connector is on life support.
The federal Centers for Medicare and Medicaid Services has already restricted grant funds to the Hawaii Health Connector, after telling
officials in March it was out of compliance with the Affordable Care Act because of fiscal instability and ongoing IT issues.
With state lawmakers also blocking additional funds, the system is struggling to stay afloat.
Says Aloha To Its $205 Million ObamaCare Exchange. After taking $205 million in
federal grants to build its own ObamaCare exchange, Hawaii is making plans to shut it down before
the next open enrollment. The exchange, called Hawaii Health Connector, never had much of a
chance. In addition to its huge startup costs, its operating costs were far too high, given
that only a little more than 12,000 people are enrolled.
Confessions: Don't Get Sick in July. Politicians and other VIPs, it turns out, can get
special access to critical care. Hospitals across the Washington area — and, indeed,
across the country — have exclusive rooms and sometimes even separate floors for treating
the rich and famous.
from Obamacare's Spectacular Failures. Federal taxpayers spent a shocking total of
$5.4 billion — with a B — on grants to establish what ended up being
just 13 state Obamacare exchanges. In some states the failures have been spectacular enough
to embarrass officials and imperil political careers, and in far too many places, Republicans who
should have known better went along. It's an object lesson in keeping your fingerprints off the
other party's very bad ideas, and should be front of mind not just if the Supreme Court decision
in King v. Burwell sparks new Obamacare exchange fights in state capitals, but also as states
decide whether to cooperate with the Obama administration's equally misguided global warming
regulations. In both cases, the playbook is the same.
Exchanges Are A Model Of Failure. [S]tate-run exchanges were supposed to form the beating
heart of ObamaCare. And the Obama administration dumped almost $5 billion in an effort to
make it a reality. The results have been a disaster. Of the 37 states that received
$2.1 billion in grants to establish an exchange, only 17 did so, and they got an additional
$2.7 billion from the feds. Of those 17, two went bankrupt in the first year. One
of them, Oregon, had received a $60 million "early innovator grant." Residents of those
states now use the federal Healthcare.gov site.
room visits up, despite Obamacare. Too many Americans get care in emergency rooms
instead of doctors offices — and expanded health coverage is making the problem worse
rather than fixing it. Three in four emergency room doctors said patient visits have increased
since the Affordable Care Act's requirement to have health insurance went into effect, in an email
survey released Monday [5/4/2015] by the American College of Emergency Physicians.
Chart that Could Undo the Healthcare System. This chart looks remarkably similar to a
chart that tracks the growth of the administrative class in higher education. And that's no
accident. [...] The more an industry becomes like a regulated utility, the more administrators are
required to enforce the regulations and administer the programs. And they, as well as the programs
they administer, are expensive. All manner of distortions follow, and the costs of healthcare
go up proportionally.
Another ObamaCare Promise Bites The Dust As ER Visits Spike. The argument seemed to
make sense. The uninsured can't afford to see a doctor, so they put off health care as long as they
can, then head to the ER knowing that they won't have to pay. "It's why those of us with health
insurance are also paying a hidden and growing tax for those without it — about $1,000
per year that pays for somebody else's emergency room," President Obama explained in his 2009 speech
to Congress on a government takeover of health care. By expanding insurance coverage, ObamaCare
would cut this waste. That was the promise, anyway, made again and again by the White House,
Democrats in Congress, academics and liberal advocacy groups. In the real world, the opposite
half of ObamaCare exchanges face financial woes, report says. Almost half of the 17
ObamaCare state insurance exchanges are reportedly suffering financial difficulties, posing a
significant challenge to state officials just five years after the passage of President Obama's
signature health care law. The Washington Post reports that many of the marketplaces set up
by the states and the District of Columbia are being hit by high costs and tepid enrollment numbers.
In response, officials at state level are mulling raising fees on insurers, sharing costs with nearby
states, and are calling for more money to be infused into the system.
half of Obamacare exchanges face financial struggles in the future. Nearly half of the
17 insurance marketplaces set up by the states and the District under President Obama's health law
are struggling financially, presenting state officials with an unexpected and serious challenge five
years after the passage of the landmark Affordable Care Act. Many of the online exchanges are
wrestling with surging costs, especially for balky technology and expensive customer call centers —
and tepid enrollment numbers.
are Dysfunctional. Right now, 34 states rely on the federal government to operate the
exchanges, meaning a significant amount of subsidies are on the line. If the Supreme Court
strikes down the federal subsidies, some Governors and State Legislatures may rush to set up an
exchange in order to retain them. Before making any decisions, however, they should be well
aware of some of the miserable conditions state exchanges are currently imposing on officials.
Visits Continue to Rise Under Obamacare. Emergency-room visits continue to rise in the
second year of Obamacare, the Wall Street Journal reports. The visits are up despite
claims by President Obama that the law would reduce emergency-room visits because Obamacare would
increase access to other kinds of care. "There was a grand theory the law would reduce ER
visits," Dr. Howard Mell, a spokesman for the American College of Emergency Physicians, told the
Journal. "Well, guess what, it hasn't happened. Visits are going up despite the ACA,
and in a lot of cases because of it."
in three Obamacare beneficiaries had to repay subsidies. Nearly two in three Americans
who bought subsidized health insurance on the Obamacare exchanges this year had to pay some of the
federal dollars back, according to new data from H&R Block. That's because they presumably
collected more federal aid than their income qualified them for. In that case, consumers must either
pay some of it back or — in most cases — the IRS will subtract it from their
Red ink could
kill Covered California. Indeed, there's no more money coming from Washington after
the state exhausts the $1.1 billion it received from the federal government to get the Obamacare
exchange up and running. And state law prohibits Sacramento from spending any money to keep the
exchange afloat. That presents an existential crisis for Covered California, which is facing a
nearly $80 [sic] budget deficit for its 2015-16 fiscal year.
Points To ObamaCare's Grim Future. Back in 2013, ObamaCare supporters couldn't talk enough about
how California was a showcase for how the law would succeed. Isn't it funny that nobody is making such
claims any more? [...] Despite spending more than $1 billion in federal taxpayer grants to build it, the
"Covered California" exchange gets an average one-star rating on the popular review site, Yelp. Customers
complain about extreme hold times, wrong information, the inability to cancel or update plans, and so on.
Detail Culture of Secrecy at California's Obamacare Exchange. Aiden Hill's introduction to the secretive culture at
Covered California came in his first days on the job. He had just been hired to head up the agency's $120 million call
center effort when he emailed a superior April 18, 2013, and got a text message in reply: ["]Please refrain from writing
a lot of draft contract language in government email ... And don't clarify via email ... No email.["]
ObamaCare Effect: Hospital Monopolies. During the 2008 financial crisis, "too big to
fail" became a familiar phrase in the U.S. financial system. Now the U.S. health-care system is
heading down the same path with a record number of hospital mergers and acquisitions — 95
last year — some creating regional monopolies that, as in all monopolies, will likely
result in higher prices from decreased competition.
Financial Crisis Is Fast Approaching. Earlier this month, the Obama administration
reversed course on spending cuts to the popular Medicare Advantage program. Instead of a nearly 1%
cut in payments, private health insurers that offer Advantage plans to seniors would get a 1.25% boost.
The turnabout hardly made news, which isn't surprising since it was the third year in a row that the
administration said it was planning to cut payments only to reverse course. It is, however,
emblematic of the fiscal trouble ObamaCare has planted in the federal budget.
Won't Be Able to Pay for All That Free Healthcare for Illegals. California is working
hard to facilitate illegal immigration while other states are looking at immigration enforcement.
They're giving away freebies, including healthcare. California is a one-party government, like
the old Soviet Union, and there's little in the way of effective opposition. They like to spread
around other people's money especially to poor illegal aliens. Californians already offer health
services free or at low cost to the uninsured, low-income residents who don't get it under Obamacare.
Several counties offer the same healthcare to illegal aliens.
Greatest Setback for Cancer Research Is Obamacare. [Scroll down] One of the prevalent myths about
cancer is that environmental factors — such as air pollution — have caused a cancer
epidemic. The truth is that improvements in air and water quality over the past 30 years have
contributed to the decline in cancer death rates. Another myth is that the decline in cancer deaths
is happening for the "haves" but not the "have nots." [...] Yes, minorities and blacks have higher rates
of cancer deaths than whites and wealthy Americans. But for many types of cancer, the rate of death
of cancer is falling faster for minorities than for whites.
Has Led to Higher Insurance Premiums. It's been five years since the Affordable Care
Act became law, but only two since most of its provisions went into effect. As its detractors
predicted, Obamacare's implementation led to a large, immediate rise in health insurance premiums.
This is hardly surprising: The law required that a broad swath of treatments be fully insured,
thus deepening the moral hazard problems that have long plagued the American health insurance system.
Heritage Foundation microsimulation analysis of the 2015 health insurance offerings on the ACA exchanges
found that the sharp 2014 price spike was not reversed.
abolishes its hopelessly bungled health insurance exchange. Cover Oregon was plagued
by problems almost from its onset. No Oregonian was ever able to enroll online in a private plan
under the Affordable Care Act because the state exchange never had a functioning website, forcing
insurance seekers to file paper applications. In April, state officials voted unanimously to
switch over to the federal health insurance exchange, HealthCare.gov., citing the high cost of trying to
fix the problematic state marketplace. The Oregon exchange had cost the state $248 million.
Shifts Money From Cancer To Pay For Health Insurance Exchange. In their latest attack
on the Affordable Care Act, House Republicans question why the Obama administration transferred
money last year from the National Institutes of Health and the Centers for Disease Control and
Prevention to pay for the operation of the federal health insurance marketplace. "Now it appears
that we are robbing Peter to pay Paul in order to finance the disaster that is healthcare.gov," said
Rep. Jody Hice, a Republican congressman from suburban Atlanta.
Health-Care Reforms Don't Add Up. Health-care lobbies are powerful, and Congress is
almost uniquely easy to lobby, so ideas like controlling the growth rate of physician payments fell
by the wayside once those payments actually had to be cut. The larger problem, however, is finding
what to measure — and making sure that your measurement doesn't introduce perverse incentives
into the system. The fundamental problem is that while we want to pay for "health" or "outcomes,"
we can't really measure those very well.
Obamacare Vs. Cancer Cures.
Even Republicans gushed with enthusiasm when President Barack Obama announced funding for personalized medicine
during the State of the Union last week. "I am launching a new precision medicine initiative," Obama said,
to usher in a "new era of medicine, one that delivers the right treatment at the right time." Sounds good,
but don't be fooled. The biggest impediment to these cures is Obamacare, and the loudest critic of
personalized medicine is Obamacare architect Dr. Ezekiel Emanuel.
Greatest Scam in American History Is About to Hit Home. John Roberts was right: of
course Obamacare was a tax. And not just a tax, but a massive new welfare program balanced on the
backs of the kulak middle class in the guise of "health care reform." Like all modern Democrat-led
expansions of government, it came as a wolf in sheeple's clothing, a nasty measure passed by stealth with
is beyond repair. [T]he law's effects go far beyond the doctor's office, weighing down
our economy and discouraging hiring. The law requires employers with more than 50 full-time
employees to give them health insurance. But because the law defines "full time" as 30 hours or
more, employers are keeping employees below that threshold to avoid the mandate entirely. The
worst of the law is yet to come. This year, the individual mandate kicks in for real.
Anyone who doesn't have health insurance in 2015 will have to pay a tax of $325 or 2% of taxable
income. And this year's tax season will be even more stressful than usual: H&R Block
estimates that up to half of the 6.8 million people who got subsidies last year might have to
pay some of those subsidies back.
Obamacare soap opera gets better and better. You can't make this up. Like some of
the labor unions, the Harvard faculty is learning that "universal care" is a better speech than
governing. It sounds great until you implement it and throw supply and demand into disarray.
Christmas surprise. If you like your health care plan, the Centers for Medicare and
Medicaid Services (CMS) has a Christmas surprise for you! When will this new present arrive?
December 25th. In an ongoing effort to keep Obamacare numbers elevated, CMS has embarked on the
next step of its government takeover of healthcare.
Christmas present. New rules being proposed by the Centers for Medicare and Medicaid
Services will give that agency enormous new powers over consumers who use the healthcare.gov website
to purchase their insurance. The proposed rules would allow CMS to automatically renew consumers'
policies every year if they don't visit the website to do it themselves. Without any knowledge of an
individual's health care situation, their financials, or anything else that might affect what kind of policy
they may need, the government wll choose and force you to pay for a policy that they think works best for you.
so successful that people can't afford to use it. Hey Obamabots, what good is "affordable" health
insurance if it costs you too much to use it? [...] Obamacare will never cut costs. It can't. Not
with all of it's [sic] mandates and required coverages. So to artificially lower the up-front cost of health
insurance it had to hike the back-end copays and deductibles that kick in when we actually go to use it.
The result? Pay through the nose, or go without medical care.
Co-Author: Law Is 'Convoluted,' Needs 'Corrections'. The Hill's Alexander
Bolton reports that Senator Tom Harkin of Iowa, one of Obamacare's co-authors, regrets passing the
law: ["]"We had the power to do it in a way that would have simplified healthcare, made it more
efficient and made it less costly and we didn't do it," Harkin told The Hill. "So I look back
and say we should have either done it the correct way or not done anything at all.["]
Fix Government with More Government. Senator Chuck Schumer made some people on the
left cringe this week when he said that lawmakers were wrong in pushing and passing Obamacare when
it was obvious the American people didn't want it. Millions of Tea Party activists told ya so.
In fact, in 2010, when the law was signed, Tea Party activists sounded the alarm and mobilized ordinary
citizens to get out and eject leftists from office. If anything the Senator's realization could
have been pointed out in 2009 when ordinary Americans went to town hall meetings and let their feelings
be known. It could have been pointed out during every twist and turn of the corrupt path the bill
took in order to gain favor.
in Ruins. [Scroll down] The legacy of the ACA will not be the diversion of the
indigent from the emergency rooms and state and federal public clinics (which, after all, are
largely still free in the sense of no premiums or deductibles), but the spiking of health-care costs
through bureaucratic bloat and the rising deductible. The latter should be redefined as a premium,
given that middle-class families will now be assessed, in addition to their premiums, hundreds of
dollars in health-care costs each month until their much higher yearly deductibles are met.
to Replace Obamacare. In the 2014 midterm elections, opposition to the Affordable Care
Act — i.e., Obamacare — was a clear political winner. That's obvious from the
election results themselves but also from polling that consistently finds that far more of the
electorate disapproves of the law than approves of it. [...] The electorate is deeply uneasy about
the ACA's approach to reform, for good reasons. It cedes massive new authority over the health
system to the federal government. That will lead, inevitably, to more regulation and a lowering of
the quality of American health care. The law is also terribly expensive and a wet blanket on the
American economy at a time when middle-class incomes are stagnant.
Peak Number Of Americans Delaying Medical Care Over Costs. One in three Americans has
put off seeking medical treatment in 2014 due to high costs, according to Gallup — the
highest percentage since Gallup began asking the question in 2001. Thirty-three percent of
Americans have delayed medical treatment for themselves or their families because of the costs
they'd have to pay, according to the survey. Obamacare, of course, had promised that it would help
make health care more affordable for everyone, but the number of people who can't afford a trip to
the doctor has actually risen three points since 2013, before most Obamacare provisions took effect.
your Obamacare plan? HHS may re-enroll you in a different one. When President Obama's
healthcare law went into effect and millions of Americans had their plans canceled despite promises
to the contrary, the administration argued that the new law would provide those who were displaced
with better options. But under changes being contemplated by the Department of Health and Human
Services, people who like their Obamacare plans might not get to keep their plans. Or at least,
not by default.
Medicine and the Struggle to Survive Obamacare. Obamacare, the "free" health care
envisioned by the most naïve among us, is a massive bureaucracy, sold to us as a cost-cutting,
fairer alternative. The bill described 247 new departments to manage the process. Hospitals and
insurance companies have created departments to pry monies away from this colossus. (These are
dollars that could have been used to treat the sick.) The only way that costs are in any way
slowing is the added factor of high-deductible insurance scaring patients away from treatment in the
first place. And the ultimate result of this well-intentioned but predictably bad policy is that
the rich will have the good hospitals, and the poor will not. The rich and relatively healthy
patients will have the happy doctors, and the poor and sick will not.
Vindication of John Roberts. Suppose that the IRS calls you in for an audit, and the
IRS agent conducting the audit tells you that you owe an additional $1,000 in tax, payable by a
certain date, and if you miss that date, you will be assessed a five-percent penalty. In other
words, you can pay $1,000 by the due date or let the date pass and pay $1,050. Clearly, the extra
$50 is a penalty for not paying the $1,000 you are legally required to pay. But suppose, instead,
that the IRS agent tells you that your must pay $1,000 by the due date or $50 if you are
late. Never mind the IRS; given the choice of paying the $1,000 or $50 for anything,
what sensible person would consider $50 in lieu of $1,000 to be a penalty? But that is precisely
what happens under the ACA. Even the maximum "penalty" of $695, when it kicks in, is less, and
probably far less, than the cost of insurance.
did the press know and when did they know it? ObamaCare passed without a single
Republican vote. The lies and deception described by Gruber fooled only Liberals. Liberals who were
fed the story the Obama administration was feeding to its media accomplices. No tax, lower cost,
better coverage, no changes if you were happy. But were Liberals in the media really fooled, or
were they simply promoting the Obama/Gruber/Democrat lies because they were being Good Germans? I
mean, really. What non-comatose human being believes you can insure 30 million more people, provide
more services, cover pre-existing conditions, and reduce the cost to the average family by $2500?
investigation finds federal government health care websites fail to give older Americans basic
information. With many seniors facing high medical bills, a congressional
investigation has found that federal government websites meant to give Medicare patients basic
consumer tools instead fail to provide adequate information on out-of-pocket costs, and even quality
Peculiar View of Economics and Law. The Germans, Dutch and others with insurance based
payment systems have taken such radical approaches to drug and medical appliance pricing, while
still rewarding innovation, but the Affordable Care Act does not. A principal architect of the
law, economist Jonathan Gruber, has admitted the ACA paid scant attention to cost controls, even as
the Administration touted it would indeed lower costs. And the White House recruited the
Congressional Budget Office to put over the ruse. Now Medicare's actuaries project the nation's
total health care costs will rocket the balance of this decade — witness the big insurance
premium increases for 2015.
year's glitch — how ObamaCare will screw you now. For instance, the
administration was supposed to mail notices to some 7.1 million Americans by Nov. 1, notifying them
that they may be eligible for subsidies next year. Fewer than a million notices went out on time.
And testing still isn't finished for parts of the small-business exchange program, known as SHOP — a
program that was supposed to be ready last year, but never got off the ground. The administration thinks
the consumer part of the SHOP system will be fully operational by Saturday [11/15/2014]. But other parts,
such as the ability to relay premium information back to employers, need up to a month more testing.
to Prepare for Obamacare's Collapse. Several million Americans could find their health
insurance becoming vastly more expensive if the Supreme Court rules against the Obama administration
in a pending case. That's what the court should do [...] but the elected branches of government
need to develop contingency plans to deal with the affected people. The problem is the fault of
the administration and its supporters. Obamacare, their most cherished accomplishment, authorizes
tax credits to help people buy insurance on exchanges established by state governments. Because
political resistance to the law has been longer-lasting and more widespread than advocates anticipated,
however, 36 states didn't establish exchanges.
spiral? Short-term health plans grow as cheap alternative to ObamaCare. A
fast-growing, short-term alternative to ObamaCare that allows customers to get cheap, one-year
policies could put the government-subsidized plan into a death spiral. The plans, the only ones
allowed for sale outside of ObamaCare exchanges, generally cost less than half of what similar
ObamaCare policies cost, and are increasing in popularity as uninsured Americans grapple with the
requirements of the Affordable Care Act.
may not have enough enrollees to stay solvent. "Under the president's health care law,
Americans have experienced broken exchanges, canceled coverage, higher premiums and unaffordable
deductibles," said Rep. Darrell E. Issa, California Republican and chairman of the House oversight
committee, which investigated last year's botched rollout. "Despite the administration's habit
of moving the goal posts, the fact is Obamacare is simply not delivering the results Americans were
originally promised by the president."
They Wrote the Law. The Democrats argue that if the Supreme Court insists on the
letter of the law, then the results will be absurd. Of course they will: This is an absurd law, a
Frankenstein's monster sewn together from spare parts gathered from the graveyard of big-government
health-care schemes. The Democrats passed the Affordable Care Act without a single Republican vote
and without Republican input — it says what it says because that is the way they wrote it.
Even if Democratic legislators are not very deft at crafting legislation, it is not the responsibility of
the Supreme Court to bail them out.
Things Barack Obama Has Done Wrong: [#22] Even Barney Frank admits Barack Obama shamelessly lied to
the American people to get Obamacare passed — and lie, he did. He promised that Americans could keep their insurance
plans, that they could keep their doctors, and that Obamacare would save the average family $2500 per year. Not only
were all of those lies, Obama knew they were lies when he made those promises. [#23] Barack Obama has broken
the law repeatedly by making at least 23 unilateral changes to Obamacare. [#24] Obama has been illegally trying
to force Christians to pay for abortifacients via Obamacare. [#25] Obamacare has been a disaster that cost millions
their insurance and sent health care costs spiraling into the stratosphere. [#26] Obama is taking 700 billion
dollars out of Medicare to put into Obamacare.
Better value, or just
more health spending? The Affordable Care Act (aka Obamacare) did nothing to slow the
growth of health spending — it was all the result of private sector changes and,
regrettably, the recession. The ACA includes some initiatives that might promote more efficient
health, but those ideas (including accountable care organizations) barely chip at a system with deep
Will a growing
economy waste health dollars? Has Obamacare succeeded in taming the health care cost
monster where so many other policies have failed? Not according to the latest figures from the
government's top experts. In an October report, actuaries from the Centers for Medicare and Medicaid
Services (CMS) estimate that national health spending will accelerate sharply. By 2023, health
spending will grow to over $5 trillion — more than $2 trillion above what we are spending
slashes 2015 Obamacare sign-up forecast by 30 percent. The Obama administration
dramatically moved Obamacare's second-year goalposts on Monday [11/10/2014], saying that it expected no more than
9.9 million Americans to be enrolled in medical insurance through a government-managed system by the
end of March. The Congressional Budget Office, a nonpartisan organization that advises federal
legislators, assumed that the number would be a much higher 13 million in April, when it built the
financial projections under-girding the law's implementation. Now the number could be as low as
unlikely to meet 2015 goal. Fewer than 10 million people are expected to enroll in
"Obamacare 2.0" for 2015, the Obama administration said Monday [11/10/2014]. That's a significant
drop from the original goal. The Congressional Budget Office had projected 13 million, but officials
said they expect the ramp up to be slower than the CBO originally thought.
Government Bureau Is The Nearest Thing To Eternal Life We Will Ever See On This Earth.
Consider Obamacare, federal legislation mandating that all people purchase health insurance or be
penalized with a fine. In addition to being forced upon the American people, Obamacare is a job
killer, it has negatively impacted the American economy, and it is crushing our small businesses —
the backbone of America. And, after three years of preparation, the federal government couldn't even get
its own Obamacare website to work properly. Nonetheless, Obama demands that all Americans allow the
government — which cannot even create a functioning website — to control the most
personal aspects of their lives, their health.
Study: Obamacare Will Suffer 'Death Spiral' If Subsidies Fail. The Obama administration has funded
a new study by top consulting firm RAND Health that startlingly finds that if taxpayer subsidies are eliminated,
Obamacare exchanges will fall into a "death spiral." The study comes in the wake of a number of lawsuits
which are challenging the Obama administration's implementation of Obamacare subsidies. Three lawsuits have
made it to U.S. Circuit Courts, just one step from the Supreme Court, arguing that the text of the Affordable
Care Act allows premium subsidies for state-run exchanges only.
Courage of our Cultural Convictions. It should come as no surprise to most thinking
people that Wal-Mart, like many other large employers, recently announced it would be suspending
health-care benefits for part-time workers. This is really a double hit on workers: In many
cases, they previously had full-time jobs with 40-hour workweeks before being reduced to part-time status
and now losing their health benefits. The "Affordable Care Act," which probably seems less
affordable to most Americans as we find out more about it, is the cause of this unnecessary misery.
When the employer mandate, which is part of Obamacare, is activated early next year, tens of millions
more Americans will face dramatic hikes in the cost of the health care they currently receive or will
lose it altogether.
than a dozen states plan to cancel health care policies not in compliance with
ObamaCare. More than a dozen states plan to cancel health care policies not in
compliance with ObamaCare in the coming weeks, affecting thousands of people just before the midterm
elections. "It looks like several hundred thousand people across the country will receive
notices in the coming days and weeks," said Jim Capretta of the Ethics and Public Policy
Center. The policies are being canceled because states that initially granted a reprieve at
the request of President Obama are no longer willing to do so.
One Year, Obamacare's Biggest Achievement: Hiding Its Cost. It's been a year this week
since the launch of healthcare.gov, the health insurance exchange website through which millions of
Americans were supposed to purchase subsidized coverage under Obamacare. To the delight of the law's
critics and the chagrin of its champions, the site promptly crashed on October 1 last year, the day
it launched. It took months to get it up and running. At around the same time, insurers began
canceling plans that didn't comply with the new law's new rules. We may never know how many people
lost their coverage, but it was most likely in the millions, perhaps as many as six million.
pols battle over when to pull plug on costly ObamaCare website. Cover Oregon was
supposed to be a shining example of ObamaCare at its best. The state insurance exchange for the
state of Oregon received $300 million in federal grants to launch a state-of-the-art website. But it
never worked, and not a single Oregonian was able to sign up for health care from start to finish.
So now, Oregon is in the process of pulling the plug on the site and switching over to the federal
exchange and HealthCare.gov — but the question is, how quickly they can do it.
Is Coming! $2.1 Billion for Obamacare Enrollment System Alone. According to a Bloomberg Government Analysis, the
Obamacare enrollment system didn't cost the roughly $834,000 claimed by our administration. It cost a whopping $2.1 billion.
I guess we should be grateful it's not a trillion. People have to understand that it's not just wasteful, it's money that
would have been used for our healthcare that won't be used for its intended purpose. The government will have to ration
care because of their inefficiency and overall problem with corruption. The government figure was untruthful. They
don't count all the money they spend. They spread it around to hide their inefficiency.
The Utter Failure
of Obama. Pew Research reports that 55% of Americans disapprove of Obamacare. A clear
plurality of Americans believe that they will be worse off because of Obamacare. CBS News lists the
"strongly approve" of Obamacare at 16%, while "strongly disapprove" is a whopping 47%. Every
polling organization, no matter how the question is worded, shows the same public disdain for this
law. The fear conservatives had that a new entitlement will create a permanent constituency may
not happen this time, because Obamacare, unlike Social Security or Medicare, helps almost no one and
hurts a lot of people.
Next Open Enrollment Starts In Two Months — And It Will Be Awful. If there is one thing that the
Administration and Democratic candidates have in their favor going into the mid-term elections, it is that election day is
November 4, and Obamacare's second open enrollment begins on November 15. If the dates were flipped, there
is little doubt that voters affected by Obamacare would wreak havoc on the politicians who imposed the Rube Goldberg contraption
of exchanges on them.
'family glitch' could affect 2 million Americans. Nearly two million Americans could be affected by what's been termed
the "family glitch" within President Obama's healthcare law, according to a new study by the American Action Forum. In theory,
Obamacare is supposed to offer fully or partially subsidized health insurance to Americans below a certain income threshold if they
do not have the option of obtaining affordable coverage through their employers. "Affordable" is defined as coverage cheaper
than 9.5 percent of household income. But under a ruling by the Internal Revenue Service, an employer is only required
to offer affordable coverage to individuals.
10 Ways Obama
Has Failed as President. [#4] The disastrous launch of ObamaCare was a reminder of
everything that's wrong with big government. It turns out that when we warned health insurance would
be run as well as the Department of Motor Vehicles, we were too optimistic. And no one was ever
held accountable for that fiasco. When ObamaCare was passed, we were assured that it would provide
insurance for 32 million people who didn't have any coverage. Four years later, it looks like
ObamaCare has covered far fewer new people, between 10% and 20% of what was promised, and about half
of those were through an expansion of Medicaid — a burden that will eventually bankrupt
the states — rather than through ObamaCare's insurance exchanges.
Care Vietnam. Talk to the average physician about trying to care for patients in the
United States today, and you'll hear exactly the same sorts of sentiments as those expressed by
American soldiers faced with the task of "winning the war" in Vietnam some fifty years ago. For
those on the front line of fighting illness, it is apparent that the Democrats' war on American
medicine is not a path to cheap quality care, but a quagmire of rules and complexity that can make
even the most basic care difficult to deliver. Now that ObamaCare has directly or indirectly
wormed its way into every aspect of care and payment, many patients are beginning to feel the pain
Early Preview of Obamacare Premiums
Show a 40% Spike in 2015. It is my sincere hope that one day conservatives will kick teachers' unions to the curb and
retake the nation's educational system. One of the first orders of business then would be to teach not only the genius of the
American founding but also the utter, repeated and unbroken failures of collectivism. Which brings me to Obamacare, a
socialistic plan sold on a panoply of lies and doomed from the outset to failure. Failure that even the Obama administration
acknowledges, with its serial and unlawful rewrites of the statute, along with delays and modifications to shield a complicit
Democrat Party from enraged electorates.
What If There's No
There There? [Obamacare] is quite unlike Medicare or Social Security. Both programs —
despite their shortcomings — are conscientious mixes of policy ideals and political realities, crafted by men
with clear visions. Look carefully at both programs, and you can see that vision, not only of what the proper policy is,
but how to get it through Congress and build public support. Obamacare exhibits none of these qualities. It
is a bizarre Rube Goldberg contraption with no clear idea at its core. The exchanges are intended to promote competition
while the Medicaid expansion doubles down on single payer. It reins in the insurance companies while the risk
corridor program shovels billions to them in bailout cash. It expands coverage for prescription drugs for seniors
while simultaneously granting drug companies some exceedingly generous rents.
look now but ObamaCare's troubles are starting again. [T]he critics of ObamaCare have
turned out to be right:
[#1] The people who signed up were older and sicker. At the same, the
young just didn't show up;
[#2] President Obama's promises of "lower premiums" just isn't going
to happen; and,
[#3] ObamaCare's regulations, taxes, mandates and subsidies are distorting the
marketplace and raising costs.
tax forms may pose challenge for enrollees, exchanges. Obamacare customers won't be
able to file their tax returns next year until the government sends them a form detailing their
coverage and tax credits, and if those forms are late some taxpayers could face a delay in seeking
their refunds. Federal and state officials said they're working on the forms, known as the 1095A,
and vowed to meet the Jan. 31 deadline for issuing them. But some tax professionals are skeptical,
citing the administration's iffy track record on being able to meet other deadlines in the massive
health overhaul law. "It really strains credulity to think 1095A is not going to be a big
problem," said George Brandes, vice president for health programs at Jackson Hewitt Tax Service.
tax not meeting revenue target because companies not paying, audit finds. An ObamaCare
tax on medical devices is falling short of its revenue target because thousands of companies aren't
paying it, according to a government audit released Tuesday [8/19/2014].
Government Worked Better in the Industrial Age; Not So Much in Digital Era. [Scroll down]
Cohn in 2010 and Gruber in 2012 evidently really believed that almost all states would set up their own
exchanges because their residents would get more money than if the feds ran the exchange. That's
how federal powers have increased over the years. Congress can't order states to adopt policies, but
it can dangle money in front of them if they meet certain conditions. That's how we got the
21-year-old drinking age even though the 22nd Amendment recognizes states' powers to regulate
alcohol. As Cohn notes, that's how Medicaid, passed in 1965, worked, too. Forty-nine
states signed on by 1972. Only Arizona held out until 1982. So why did 36 states refuse
to create their own health exchanges? One reason is that Obamacare turned out to be massively
unpopular. Another is that conservative policy experts argued it would weaken the law.
One of Obama's big ideas for reforming
health care failed a test in California. "We need to bundle payments so you aren't
paid for every single treatment you offer a patient with a chronic condition like diabetes, but
instead paid well for how you treat the overall disease," Obama told the crowd of physicians.
Obama was articulating what would become one of the key payment reforms in his health care
law — a proposal aimed at giving incentives to providers to control costs by rewarding
them for providing less expensive care. But a study published in the journal Health Affairs
looked at an ambitious three-year pilot program of bundled payments in California that was funded by a
$2.9 million grant from Obama's 2009 economic stimulus package — and found that
the program was such a massive failure, it could hardly get off the ground.
architect caught in web of contradictions on subsidies. [Jonathan] Gruber has neither the
pigmentation nor the office to qualify him for the get off the front pages-free card that the press has
issued Obama. Gruber is a health economist at MIT and a big-time insider present at the creation of
Obamacare and its predecessor in Massachusetts. Until last week, Gruber was a willing expert
commentator on the subject of Obamacare subsidies. From now on, he's going to be an unwilling
one — a star hostile witness for the plaintiffs of Halbig v. Burwell, a lawsuit that, if
successful, would deal a body blow to Obamacare's already badly stressed financial side.
Worsens. A while back, I suggested in this space that Obamacare might go the way of
McCain-Feingold. That campaign finance "reform" law was not, you will recall, killed by a single
lawsuit or act of Congress. Indeed, the general consensus at the end of 2003 was that
McCain-Feingold was in perfect health. Less than seven years later it was, for all intents and
purposes, dead. It had succumbed to a long series of attacks by determined opponents who were
convinced that it was unconstitutional. Much the same thing is obviously happening to PPACA.
for Obamacare Now. The big question is, first, how many states decide to create
exchanges? I've heard from several people today who thought it was obvious that most of the
36 states now on federal exchanges would simply withdraw and build their own in order to keep the
subsidies flowing. This seems quite possible, because voters hate losing stuff, and especially
subsidies. And state legislators do love them some free money. On the other hand, that
outcome is hardly inevitable.
numbers still haunt Obamacare, just like immigration. An update on the misnamed Affordable
Care Act is in order since many Americans are likely to face a surge of higher insurance premiums this fall.
Speculation said that President Obama would issue executive actions this summer to delay legal deadlines, hoping
to push back premium hikes until after the fall elections. But he may be deterred by the lawsuit being
launched by House Republicans. They're about to sue him for exceeding his authority when he directed a
delay in implementing the mandate for employers to provide health insurance coverage. That delay and the
high costs of Obamacare coverage are part of the reason why the law is only reducing the number of uninsured by
half as much as promised, even though costs of the law are now doubling. In short, it's twice the cost
for half the benefit.
Your health care:
Obama's $18,000 broken promise. During his 2008 campaign, one of then-Senator Obama's
most audacious promises was that his health plan would reduce premiums by $2,500 for the average
family. His repeatedly made his pledge on videotape; you can view those promises here. But health
insurance premiums have continued to rise — not just despite ObamaCare, but in many cases
because of the law's new regulations and mandates.
ObamaCare Rules Mean Less Care, More Paperwork. On July 3, when Americans were
preparing to celebrate freedom, the Obama administration reduced freedom by adding 1,296 pages of
regulations to ObamaCare. The burdensome rules were published in the Federal Register on
Independence Day eve, when few were likely to be watching. So much for transparency. ObamaCare
regulations compel doctors and their office staff, restaurateurs, business owners, local government
officials and virtually everyone subject to the law to spend hours filling out paperwork without
getting paid for it. It's a colossal theft. As of 2014, ObamaCare regulations impose
159 million hours of paperwork a year on the public, up 48 million from last year. And
there's more to come. The figures don't include paperwork requirements of the law's employer
mandate, yet to go into effect.
effects: Half of brokers consider leaving post-Obamacare. A potential exodus of
brokers could make it more difficult for large and small businesses to lose that expertise just as
things are getting really complicated. Brokers help companies give employees the best and most
affordable coverage and insure they comply with the complexities of the ACA. Brokers have been on
the front lines of the ACA changes that are forcing businesses, hospitals and insurance companies to
adapt. Basically, it's the brokers who are experts in the complex and legal nuances of insurance
law. They also typically connect employers and consumers with the most affordable coverage.
Prognosis Grows Dimmer. A nightmare for Affordable Care Act supporters has been the
possibility that only the sick would be left to purchase insurance through its exchanges, driving
premiums up and insurers out. While the law's boosters have been quick to dismiss the possibility
that such a so-called death spiral could occur, data published in the Wall Street Journal suggest
that this chain of events may not be so far-fetched after all. [...] At its base, the data show
that people insured through the law's exchanges have higher rates of serious medical conditions.
Of the enrollees who have seen a doctor or other health-care provider in the first quarter of this
year, 27 percent have significant medical problems, including diabetes, cancer, heart trouble and
Comes the Hardest Part About Obamacare. The White House and its apologists in the
left-wing media have propagated two myths. First, that the law is a success — full
stop — merely because millions of people signed up for health insurance rather than pay
a penalty tax. Second, only anti-Obama's partisans harbor concerns as the ACA moves toward full
implementation. [...] What can Obama and his team do about all this? They've already delayed the mandate
twice. A third time would further diminish the credibility of the law and of the administration.
Federal Octopus. [Scroll down] No one has any idea to what degree the
Affordable Care Act is working, largely because we do not receive data about how many have paid or
are paying their premiums, or how many people are simply transfers into the system from other state
and federal health plans. We still do not know how many lost their insurance because of Obamacare,
or what are the actual costs for those forced into new plans. Data about enrollees are now
hopelessly politicized, in the sense that federal employees know that the more they report new
signees into the system and the less they disclose about the circumstances of such enrollees, the
better off will be their own careers.
problems found with 2 million ObamaCare sign-ups, document shows. About 1 in 4 people
who signed up have discrepancies, creating a huge paperwork jam for the feds and exposing some
consumers to repayment demands, or possibly even loss of coverage, if they got too generous a subsidy.
Hidden Failure of Obama's Health Care Overhaul. At least 2.9 million Americans who
signed up for Medicaid coverage as part of the health care overhaul have not had their applications
processed, with some paperwork sitting in queues since last fall, according to a 50-state survey by
CQ Roll Call. Those delays — due to technological snags with enrollment websites, bureaucratic
tangles at state Medicaid programs and a surge of applicants — betray Barack Obama's promise to
expand access to health care for some of the nation's most vulnerable citizens.
'inconsistencies' vex health law. A huge new paperwork headache for the government
could also be jeopardizing coverage for some of the millions of people who just got health
insurance under President Barack Obama's law.
Fiscal Diagnosis Only Gets Tougher for Health
Care Law. Four years after enactment of what is widely viewed as President Barack
Obama's key legislative achievement, however, it's unclear whether the health care law is still on
track to reduce the deficit or whether it may actually end up adding to the federal debt. In fact,
the answer to that question has become something of a mystery. In its latest report on the law,
the Congressional Budget Office said it is no longer possible to assess the overall fiscal impact
of the law. That conclusion came as a surprise to some fiscal experts in Washington and is
The Doctor Won't See You Now.
Proponents of the Affordable Care Act (ACA) insist that the law will extend health insurance to millions,
expand access to health care, and improve Americans' overall health. But, as the New York Times recently
reported, at least 20 percent of the new enrollees have not paid their premiums. They therefore
do not really have insurance. But even for those enrollees paying premiums, having health insurance is
not the same thing as getting good health care, or any health care. In fact, it doesn't matter how many
Americans obtain insurance under the ACA. Most will have difficulty finding a physician.
Being a Doctor Became the Most Miserable Profession. Nine of 10 doctors discourage
others from joining the profession, and 300 physicians commit suicide every year. [...] Simply put,
being a doctor has become a miserable and humiliating undertaking. Indeed, many doctors feel that
America has declared war on physicians — and both physicians and patients are the losers.
Not surprisingly, many doctors want out.
Turns 4, Just 1.4% of Uninsured Americans Covered. According to CNBC, of the 5 million people the Obama
administration claims have enrolled in Obamacare, just 715,000 are previously uninsured Americans who have chosen and paid
for new insurance. As the Washington Post notes, there are 48.6 million uninsured Americans. That
means that after four years of being the law of the land, Obamacare — whose purported purpose was to cover the
uninsured — has provided coverage for just 1.4% of uninsured Americans.
Democrats Labeling State's Single-Payer Health Plan a Failure. In 2011, Vermont passed the nation's first single-payer
healthcare system, "Green Mountain Care." While the law was supposed to be fully enacted by 2017, it has become apparent that
there's no solid plan in place to actually pay for the healthcare of all Vermont residents. Democratic lawmakers, citing missed
deadlines and past failures, have begun to call for Vermont Governor Peter Shumlin to "shelve" the plan.
ObamaCare's future after law's
disastrous debut, low enrollment. President Obama's signature legislative achievement, the Affordable Care Act, has been off to
what can be described, at best, as a rocky start. Thanks to a terribly designed website, far from the Amazon.com-like experience promised
by the administration, the first day of open enrollment saw a grand total of six people enroll. By day two, that number had jumped
exponentially to an "astounding" 248. Glitches, crashes, problems with the payment system, less than stellar enrollment by millennials
and all sorts of other tech failures have led to the administration paring down its estimate of 7 million enrollees by the end of March,
Lawmakers push probes of two state Obamacare
exchanges. Members of Congress want to know how Obamacare exchanges in Oregon and Maryland could have spent hundreds of millions in federal
money on websites that don't work. "The catastrophic breakdown of Cover Oregon is unacceptable and taxpayers deserve accountability," House Energy
and Commerce Committee leadership wrote to the General Accountability Office Thursday [2/13/2014].
Unwinding Obamacare. Obamacare is no
longer a theoretical proposition. It is now being implemented, if with some notable exceptions for the portions of the law the Obama
administration finds particularly inconvenient. Millions of Americans are experiencing its consequences directly, and millions more
are forming their opinions of it based on what they are hearing of its effects. Those opinions are generally not positive. The
fact that many of the law's congressional supporters are now running scared for fear of voter backlash is a good indication of how poorly
the rollout is going.
A Failure in Progress. [Some Democrats] are convinced
that those of us who oppose the law can do no more than temporarily obstruct it, and that the benefits it is starting to bring to the American public will
ultimately make it popular and then unchallenged. In reality, Obamacare remains an unpopular law with deep flaws. It is performing much worse
than the advocates predicted as recently as September.
New Obamacare glitch.
Another day, another Obamacare "glitch" destined to make life unbearable even for those who have been able to sign up. [...] The Associated Press
reported yesterday [1/3/2014] — and the White House confirmed — that the HealthCare.gov website can't handle baby updates —
or any other change in status for that matter.
ObamaCare's four biggest lies. President Obama's famous vow —
"If you like your health plan, you will be able to keep your health plan. Period." — isn't the only broken promise of ObamaCare. Now that
the Affordable Care Act has actually been in effect for a week, Americans are discovering more pitfalls associated with the massive overhaul.
Contractor Blamed for Slow Medicare Payments to Hospitals. The contractor building the financial management system for
Healthcare.gov is being blamed by a Houston hospital for delayed Medicare reimbursements that have caused the hospital to miss payrolls
for weeks. Novitas Solutions is the federal government's new Medicare payment processor for the south-central region of the country
hired by the Centers for Medicare and Medicaid Services (CMS), a division of the Department of Health and Human Services (HHS.)
Obama Plans To Dictate To Doctors How They Treat Patients. 2013 was the year of ObamaCare whoppers. But the nastiest truth
about the health law is still to be exposed — the tightening hold the federal government will have over your doctor, even if you're
paying with private insurance. Obama said: "You're not going to have anybody getting in between you and your doctor in your
decision-making." It was a lie from day one, just like the president's other sales pitches.
Doctors, hospitals expect some
confusion as Obamacare plans start. Hospitals and medical practices across the United States braced for confusion and
administrative hassles as new insurance plans under President Barack Obama's healthcare law took effect on Wednesday.
to thousands: HealthCare.gov didn't work, you're uninsured, please try our site. When we were coming up on the doldrums of the
December news cycle, I knew we could count on Obamacare to keep breaking down in new and spectacular ways. This time, there are a bunch
of Iowans who think they're being processed by Iowa's Medicaid system, but they're not.
Starting the new year in Obamacare limbo. Planning
to use your new Obamacare insurance benefits early in the new year? If you don't have your brand spanking new ID card, you'd better bring
along your wallet. Insurers and health care providers are bracing for some chaos at the start of 2014 when the newly insured begin to use
their Obamacare health coverage.
Scramble to Get Medical Procedures Before Obamacare Begins. With Obamacare coverage beginning in earnest on Wednesday [1/1/2014],
the Wall Street Journal reports that thousands of people for which Obamacare plans will block some health care access are
rushing to get medical tests and procedures done before their pre-ACA coverage is eliminated. Those who were receiving medical
care before being forced to sign up to a new plan on HealthCare.gov will, in many cases, be locked out of hospitals and prevented
from seeing doctors who they had typically used.
surge in ObamaCare sign-ups not enough to quiet critics now concerned about costs, coverage. The Obama administration said
Sunday a late surge in sign-ups resulted in 1.1 million Americans enrolling in ObamaCare before last week's deadline to get insurance
coverage starting Jan. 1. — a sign the federal website is getting fixed but not enough good news to sway critics of the health
care law. "A million Americans?" Rep. Darrell Issa, R-Calif., said to Fox News. "I don't think that's anything to celebrate.
It was a failed [website] launch, a flawed law and it needs real change."
headache No. 2013: 2-in-3 call it a 'bad year,' 4-in-10 a disaster for their family. Obamacare is a failure. "There are
almost no issues where a majority of Americans have seen improvement. Only a quarter say health care coverage is better today than it
was a year ago; more than half say it has gotten worse, reflecting the continued poor assessments given to the Administration's health care reform.
Predictable: Obamacare Website Crashes
on Deadline Day! Apparently the many months of constant "fixes" didn't help put the website on stable footing so that last minute
insurance hunters could scoot in under the law's deadline. Obama has spent billions of tax dollars selling this failed website and hundreds
of millions on faulty website code-writers who have not been able to get much of the site in working order.
A very nervous New Year's for Obamacare. So
January has finally arrived, maybe New Year's Eve didn't end so well for you, and you've decided to take your brand-new Obamacare coverage out
for a test drive. Except — oops — maybe your new health insurer doesn't have any record of you. Or you didn't
get the coverage you thought you were getting.
Here comes the real Obamacare
test. Obamacare has been defined by delays, broken promises and growing disillusionment with President Obama's
signature domestic achievement. Yet for all the problems and political headaches caused by the health care law, the real
test for the White House begins on Jan. 1. That's when Americans for the first time will visit their doctors with expectations
of being enrolled in new health plans. And if the rocky last few months were any indication, that's hardly guaranteed.
Cover Oregon: If you don't hear from us by Monday,
seek coverage elsewhere. Oregon's troubled health insurance exchange began robocalling applicants Friday [12/20/2013], warning them
that if they don't receive enrollment confirmation by Monday, they should seek coverage elsewhere for Jan. 1. "If you haven't heard from
us by Dec. 23, it is unlikely your application will be processed for Jan. 1 insurance coverage," a woman's voice on the pre-recorded call
from Cover Oregon says. "If you want to be sure you have insurance coverage starting Jan. 1, you have other options."
Mr. Obama, it's not the software
that's the problem, it's Big Government liberalism. The ObamaCare website is just the latest illustration of how liberalism promises to fix
problems if we just spend enough money, but actually leaves a bigger mess than when it started. The fact is Big Government liberalism is crashing all
around us, not just in America but around the world (just ask anyone living in Greece or France or Venezuela). When a computer system crashes beyond
repair, it produces what software programmers call the "blue screen of death." We are now living in the era of Blue Screen Liberalism, and this
website debacle epitomizes the Obama administration's record on virtually everything else.
Obamacare's Rollout Is a Disaster That
Didn't Have to Happen. Obama promised open innovation and transparency. Yet startups and hackers are forced to take a backseat to state-run websites, a
mediocre government contractor secured the lucrative deal to build the federal exchange, and both HealthCare.gov's code and enrollment numbers are locked up by
The Editor says...
Obamacare will inevitably implode, because Marxism fails every time it is attempted, and the Obamacare scheme is just a collectivist middle man between you and
your health insurance company. There is no value added by Obamacare — it is a tax collection mechanism that siphons money out of the health
care industry, and it does this under threat of imprisonment. Obamacare is a meddling parasite at best, and heavy-handed tyranny at worst. In
that regard, it is a reflection of Obama himself.
Obamacare Website, the Real Crisis is With the Insurers. Presumably, the healthcare.gov website will be more or less operational
after a few months. But that's not even the biggest problem with the program. Insurers are getting bad information from the enrollments.
The federal data hub that is supposed to tell consumers how much of a subsidy they will get is so dysfunctional that insurers have no confidence in the
data. And come January 1, insurers believe there will be lots of outraged consumers who were misquoted on coverage and cost.
Before glitches, administration foresaw nearly
500,000 health care signups in the first month. For the first month alone, the Obama administration projected that nearly a half million
people would sign up for the new health insurance markets, according to an internal memo obtained by The Associated Press. But that was before
the markets opened to a cascade of computer problems. If the glitches persist and frustrated consumers give up trying, that initial goal, described
as modest in the memo, could slip out of reach.
The Editor says...
"Could slip out of reach"? I doubt if 500,000 people will ever willingly sign up for Obamacare.
Obamacare: The good, the bad,
and the ugly. From a pragmatic basis, it is difficult to conceive how a 2,700 page bill that created 159 new boards and
committees, which have since added over 20,000 new pages of regulations, can reduce costs.
· The infrastructure associated with 159 new boards and committees creates a cost;
· The entire healthcare system needs to assimilate major change to comply with the evolving regulations,
and such change inherently adds cost; and
· The private sector has to absorb the costs of determining the impact of the new regulations and conforming to them.
"Affordability" may be more of an issue than the administration anticipated. Even "Patient Protection" may be at risk since there isn't a
provision to address the supply-and-demand healthcare provider issue that inherently will arise with a surge of 30 million new "patients."
Obamacare is in Crisis Now. Right Now.
It's time to panic. Now. Why? Because the exchanges are the way to sign up young, healthy people and prevent the fabled "death
spiral," in which only older, sicker people sign up for insurance, causing rates to rise and healthier people to drop out, causing rates to rise
even more, etc. Young people won't make the effort to look up insurance companies on their own when they don't really care that much about getting
insurance anyway. They won't try 50 times to use a balky web site. "Without the exchanges, the death spiral seems almost
Obama's leadership proves presidency is no place
for amateurs. With ObamaCare, he allowed Nancy Pelosi and her liberal Democratic cohort to ram through the most sweeping — and
flawed — piece of social legislation in more than four decades without a single Republican vote, guaranteeing that the unpopular law will be
challenged for years to come. Compounding this mistake, he then handed out waivers and exemptions to the law to politically connected businesses,
including restaurants and nightclubs in Nancy Pelosi's district.
Obamacare: Don't trust anyone over
60? As everybody with a pulse must know by now, if the only folks who buy Obamacare coverage are the sick and those in late middle age, the
system will be self-supporting only at very high premiums, hardly a recipe for cementing popular support. That's why candidate Obama reluctantly
accepted the individual mandate as part of his health insurance plan, adding a spoonful of sugar for those who are poorly paid (but Medicaid ineligible)
in the form of need-based subsidies.
Georgia business weighs Paying ObamaCare
fine, instead of coverage. Debbie and Larry Underkoffler launched a boutique staffing agency in what they call the worst economy ever,
doing anything they could to stand out to potential clients. [...] But under ObamaCare, the Georgia company now faces a tough choice —
cover all of its temporary workers as well, or pay a hefty fine.
'So much wrong' with Obamacare sites: Aetna CEO.
Aetna's CEO gave a harshly critical review of the federal government's Obamacare marketplace Tuesday [10/15/2013], saying "there's so much wrong, you
just don't know what's broken until you get a lot more of it fixed." Asked on CNBC's "Squawk Box" if he knew the roll-out of the federal
Healthcare.gov website would be problematic, Aetna chief Mark Bertolini said his giant insurance company's role as an alpha tester for the system
gave it a sense of how many problems the health insurance marketplace was facing on the eve of launch.
Will Enrich Insurers At Taxpayers' Expense. The Affordable Care Act may give health insurance companies a virtually limitless power
to tap the U.S. Treasury, thereby lifting insurers' profits to undreamt-of heights. This power derives from the mathematical formula for
calculating individual subsidies. The subsidy formula promises, for example, that a family of four with $30,000 in income will pay no more
than 2% of that income (or $600) for its health insurance. If an insurer charges $10,000 for a family policy, then, the family will
pay $600 to the exchange, and the federal government will pay the remaining $9,400.
Obamacare discourages income, penalizes work, and encourages fraud.
Lower 2014 income can net
huge health care subsidy. People whose 2014 income will be a little too high to get subsidized health insurance from Covered California next
year should start thinking now about ways to lower it to increase their odds of getting the valuable tax subsidy. "If they can adjust (their
income), they should," says Karen Pollitz, a senior fellow with the Kaiser Family Foundation. "It's not cheating, it's allowed."
ObamaScare. [Scroll down] The most important thing for people to realize is
that they are not "breaking the law" by failing to purchase health insurance. [Chief Justice John] Roberts's ruling means you can freely choose whether or not you want
to buy health insurance, and either choice is perfectly legal. Now, the Obama administration wants you to think you're a lawbreaker if you don't buy the insurance, as
do the pimps of the dinosaur media and the companies who are peddling health care insurance and other health care products. The words "mandate" and "penalty" are
frightening, but the law is toothless here.
Britain shows what Obamacare means for
US. President Obama's refusal to sign a bill defunding or delaying his health care law and Republicans' insistence that such measures be a part of
any bill to continue funding government are what precipitated the ongoing government shutdown. Both sides are staking out firm positions because they are
operating on the same assumption — that once Obamacare starts to roll out subsidies on Jan. 1., it will be impossible to undo, no matter how
much of a disaster it is. Based on the experience across the pond, this may be exactly right.
Young and healthy needed to make Obamacare mandate
work. What insurance companies will save on medical costs for the healthier population will help pay for the older, sicker
people who are entering into the insurance market for the first time. But because they're young — and don't foresee getting
sick any time soon — some Millennials may decide to skip insurance and risk paying a fine.
The Editor says...
Any socialized medicine scheme depends on large numbers of young healthy people to pay for more services than they use, to counterbalance the old (and poor)
sick people who swamp the system. The only alternative is to arrange for something bad to happen to the old and feeble population, which is
what death panels are about. Similarly, any Marxist wealth-redistribution scheme
depends on large numbers of productive workers to earn money and pay taxes, to counterbalance the lazy and stupid people who collect government checks
as they sit at home watching television, drinking beer and smoking cigarettes. The wealth-redistribution scheme becomes permanent and expands
constantly as long as the sponges are allowed to vote. If they had to choose between welfare payments and voting rights, the gravy train would
come to a halt in a few years.
Video: "Is Obama forcing Americans to get health
insurance?" This amazing CNN news story by reporter Zain Asher should be required viewing for the GOP House caucus. It's about efforts to
educated uninsured families in New Jersey about Obamacare, and it illustrates how little the Affordable Care Act's biggest beneficiaries know about the new
program. To put it another way, folks aren't exactly jumping up and down at the prospect of access to health care. [Video clip]
Why Opponents Won't Accept Obamacare.
Universal health care was promised, not to address a high-profile crisis, but because President Obama's twenty-something speechwriter wanted an applause line
for a campaign speech. The poorly drafted bill was passed almost entirely on party lines by exceedingly narrow margins — and in the face of
majority negative public opinion. So it's not surprising that opponents won't accept its legitimacy or permanence.
ObamaCare's Bitter Irony:
It May Increase Number Of Uninsured. ObamaCare has three key parts intended to greatly expand the number of Americans with health coverage:
(1) The individual mandate requiring nearly every American to have insurance or pay a penalty tax; (2) health insurance exchanges, where people below
400% of the federal poverty level will get federal subsidies (i.e., tax dollars) to help pay for coverage, and (3) a massive expansion of Medicaid up to
138% of the poverty level. What has become clear is that all three legs of the ObamaCare stool are wobbly and could collapse as more pressure is applied.
ObamaCare vs. Affordable Care Act.
[Scroll down] The same poll found that 30% of respondents didn't know what the Affordable Care Act is — while "only" 12% didn't
know what ObamaCare is. This after years of relentless debate, and both a midterm and presidential election in which ObamaCare was one of
the central issues.
Obamacare Website Quietly Deletes
Reference to 'Free Health Care'. Even as President Obama and his administration are making a last minute push to encourage enrollment in
Obamacare, a quiet change was made on the Healthcare.gov website regarding those who will still not be able to afford coverage after the program kicks in.
From at least June 26, 2013 to as recently as September 15, under the topic, "Where can I get free or low-cost care in my community?" the following
statement appeared: "If you can't afford any health plan, you can get free or low-cost health and dental care at a nearby community health center."
Barrasso: 'Duct tape and
chicken wire' holding ObamaCare together. Sen. John Barrasso (R-Wyo.) said Sunday that ObamaCare insurance exchanges set to go live this week "are
being held together right now with duct tape and chicken wire." The physician said on CNN's "State of the Union" that consumers are in for a case of
sticker shock, adding that Americans will have difficulty finding a doctor to care for them. "The president made a couple of promises. One with the
exchanges, and he said it would be cheaper than a cellphone bill. And I don't expect a lot of people to be able to find something less than $71 a month
on the exchanges," he said.
Under fire, 'Obamacare' going live — with
glitches. Contentious from its conception, President Barack Obama's health care law has survived the Supreme Court, a battle for the White House
and rounds of budget brinkmanship. Now comes the ultimate test: the verdict of the American people.
Politico to Media: Ignore ObamaCare Launch
Problems. Essentially what you have here is an outlet that likes to present itself as objective, begging its media colleagues not to report on any
problems the American people might have with Tuesday's ObamaCare launch. This, despite the fact that the White House has already admitted there will be
"glitches." Again, because Politico is always trying to fool people into believing it is an objective news outlet, the piece also warns the media not to
declare ObamaCare a "success" based on the first few days.
Businesses must FAX their Obamacare exchange applications in.
Yes, faxes are still a thing, apparently. You can even do them from your computer. And if you're a small business owner wanting to get
Obamacare coverage, you're going to have to!
The Washington Post finally discovers the obvious:
of problems precede launch of Obamacare. Buying health insurance will be as easy as purchasing a plane ticket or shopping on Amazon, the
president has promised. Maybe, but perhaps not on Tuesday — the day that millions of Americans are supposed to be able to start buying
coverage under the sweeping law referred to as Obamacare.
The Logic of the Alamo. Nothing is certain about
the future, though some things are highly probable. It is virtually certain, for instance, that Obamacare will be a dog in its initial years,
if not indefinitely: the software supporting it is bug-ridden; none of its tested parameters have shown any sign of coming close to the promised
spec; the premiums are costing more than predicted; and just complying with its rules has proved "unexpectedly" crippling. These problems are
concretely reflected in the delayed rollout of the individual mandate. Obamacare is no different from any other Federal project that is beset
with overruns, underspec performance, and scandal.
19% of health care
pros say Americans 'will die earlier' due to Obamacare. A unique new survey of health care professionals finds that 56 percent oppose
Obamacare, with more than nine in 10 believing that there could be major negative impacts such as a drop in quality care. A shocking 19 percent
believe Americans will die earlier.
rocky intro signals problems for Tuesday's start. Administration officials say ObamaCare is ready for its close-up, with enrollment in the
newly created insurance "exchanges" set to start on Tuesday. But the road to the launch has been littered with glitches and setbacks, and in all
likelihood the confusion is not over yet.
Race to get Obamacare online sites running goes
to the wire. Officials working on the sites have acknowledged that information technology (IT) failures will prevent many of them from
functioning fully for weeks, and perhaps longer.
Crushed Pro-ObamaCare Arguments In Marathon Speech. Sen. Ted Cruz, the Texas Republican, spoke for more than 21 hours Tuesday evening [9/24/2013]
and Wednesday morning in an effort to get the Senate to defund ObamaCare before it goes into effect on Oct. 1. The effort, of course, will
likely come up short. But his remarks were a devastating indictment of ObamaCare and its many flaws. Here are just a few excerpts from his
marathon speech: [...]
DC Obamacare Exchange
Delayed, Can't Calculate Tax Subsidies. The Washington, D.C. Obamacare exchange announced on Wednesday [9/25/2013] it will not be ready
on October 1 to calculate the taxpayer-funded subsidies people can receive to purchase health insurance. It will also be unable to determine
Medicare eligibility. Officials say determining eligibility will now need to be delayed until November but that people will still be permitted
American's ObamaCare Crisis. No one seems to think
Obamacare is ready for prime time, except perhaps for the Obama administration and Democratic Party officials. An ABC/Washington Post poll
shows 9 of 10 Americans don't believe that the federal government, their state governments, and the health insurance industry are fully prepared
to implement Obamacare. It is worth noting that in 16 ABC/Post polls since August 2009 Obamacare has never received majority
support. Moreover, six in 10 Americans (60%) now believe the federal government already has too much power, according to Gallup polls.
Technology Glitches Mount as Launch Nears. Since the beginning of this year, Health and Human Services Secretary Kathleen Sebelius
insisted that the ObamaCare exchanges would be ready next Tuesday, when they officially open their virtual doors to those wanting to buy insurance.
"We are determined and on track to meet the Oct. 1 deadline," she said back in April. Given the incredible IT requirements involved in getting the
exchanges ready, the bureaucratic delays, and the government's dubious track record in managing big technology projects, it always looked like a long shot.
The mysteries of Obamacare.
State officials visited the [Chicago] Tribune editorial board Tuesday [9/24/2013], equipped with charts and graphics and website mock-ups. They
spelled out how people will get information. They offered some favorable price comparisons to other states and some highs and lows for insurance
plans. We appreciate their outreach effort. But the fact is that, five days before the launch of this massively ambitious redesign of national
health care, the insurance policies to be offered in Illinois are still a mystery. Copays? Deductibles? Premiums? Still a
mystery. Will your doctor and your hospital be included in the insurance networks? Still a mystery.
HHS Watchdog Unsure If Obamacare Will Work.
The inspector general for the Department of Health and Human Services has not assessed whether Obamacare will be ready to roll out on Oct.v1,
a spokesman for the inspector general said on Tuesday [9/24/2013]. The inspector general's office has not done in-depth inspections of
specific parts of the law, the spokesman said.
Administration Has Not Verified Obamacare
Security Claims. Congressmen raised strong doubts about the security of the infrastructure undergirding the Obamacare exchanges
in interviews with the Washington Free Beacon on Monday [9/23/2013], undermining the administration's claims that Obamacare is secure and will
be ready to go on schedule. The administration's claim that the "data hub" is secure, for example, has not been independently verified,
leaving Congress and the public reliant only on the administration's word for updates on the law's status and security.
The Editor adds...
And we all know how good the administration's word is.
Obamacare: One blow after another.
The Obamacare that consumers will finally be able to sign up for next week is a long way from the health plan President Barack Obama first pitched
to the nation. Millions of low-income Americans won't receive coverage. Many workers at small businesses won't get a choice of
insurance plans right away. Large employers won't need to provide insurance for another year. Far more states than expected won't run
their own insurance marketplaces. And a growing number of workers won't get to keep their employer-provided coverage.
Speeding toward the collision.
One has to wonder why Mr. Reid, the Senate majority leader, and the Senate Democrats so vehemently defend a law that has been a revolving door of
procedural failures and harmful unintended consequences. To date, there have been more than 20 delays, exemptions and revisions to
Obamacare, including a delay of the employer mandate for businesses. Sen. Max Baucus, Montana Democrat, one of the law's primary architects,
predicted that implementation of the 2,000-plus page law would prove a "train wreck."
The Great Healthcare Bamboozle.
In his years prior to running for federal office Barack Obama made clear his ultimate desire to see the United States healthcare system set up
and run as a "single-payer" system. That single-payer being the federal government. Such a system would, by necessity, eliminate
private-payer insurance plans and companies; if the government is the only payer they wouldn't be necessary. There's no doubt this is
a Marxist-utopian view wherein a governmental structure is the ultimate power and decision maker. Everything funnels into and through a
centralized governmental entity that has control over most or all decision making.
Insurance Premiums to Come at Cost of Fewer Choices. Federal officials often say that health insurance will cost consumers less
than expected under President Obama's health care law. But they rarely mention one big reason: many insurers are significantly
limiting the choices of doctors and hospitals available to consumers.
One Weird Trick to Expose the Truth About ObamaCare.
There's every reason to believe that ObamaCare will ruin America's fine health care system; weaken our already shaky economy; cause more people to go without health
insurance; and is widely unpopular. Even though most citizens seem quite uncertain of all its provisions, surveys repeatedly show that it is unpopular and
grows more unpopular as the time for implementation of more of its provisions nears. And the law opens the door for — completely
foreseeable — widespread abuse, some of which is already starting.
Two Weeks Out: Mystical,
Magical O-Care Exchanges' Software Can't Determine Price. Honestly, I really can't believe that there are so many elected Republican officials
who still aren't ready to go to the mat over this law. There has been no part of its implementation that hasn't been problematic and there is no reason
to believe that it will get any better once these initial troubles are figured out.
Obamacare Software Glitch Providing Wrong Prices.
An Obamacare software glitch is now incorrectly tabulating how much people must pay for health insurance, according to a report from the Wall Street
Journal. "There's a blanket acknowledgment that rates are being calculated incorrectly," a senior health insurance executive told the WSJ.
"Our tech and operations people are very concerned about the problems they're seeing and the potential of them to stick around."
Home Depot Sending 20,000 Part-Timers to
Health Exchanges. Home Depot Inc., the world's largest home improvement retailer, plans to end medical coverage for about 20,000 part-time employees
and direct them to government-sponsored exchanges scheduled to open next month as companies revamp benefits to fit the U.S. Affordable Care Act. Employees
with fewer than 30 hours a week will no longer be offered limited liability medical coverage, Stephen Holmes, a spokesman, said today by telephone.
About 5 percent of Atlanta-based Home Depot's 340,000 employees are enrolled in that plan.
Targeted Obamacare Ad Buy May Hurt Vulnerable Democrats. Obamacare is set to become the fully implemented law of the land
in October unless something stops it. [...] So far, it's proving effective at halting hiring and forcing employers to cut worker hours.
Doctors have accelerated retirement. Large insurance carriers like Aetna have announced their intention to stay out of the Obamacare
state insurance exchanges. Citizens in many states will see major increases in their health insurance premiums. It's also proving
so popular that even President Obama's Big Labor allies want out of it.
Is there a con man in the Oval Office?
The media headlines should be about ObamaCare — a fast moving train wreck about to destroy the entire U.S. economy. It's so bad
that Congress exempted themselves a month ago. It's so bad that union leaders met with Obama at the White House to demand they all be exempted,
or ObamaCare be repealed. Yes, unions are asking for the repeal of ObamaCare, the signature achievement of the man they elected President.
Shouldn't this story be in the headlines?
ObamaCare Subsidies: Not For Low-Income Young
People. Young people making as little as $20,394 won't be eligible for any ObamaCare subsidies, thanks to the way that the subsidies are
calculated, according to a study released on Monday [9/16/2013]. The study also found that, overall, young people will get far less generous subsidies
from ObamaCare than older people.
Rips Obamacare. Big Labor strongly backed Obamacare before its passage. Now unions say the law threatens to destroy union workers'
health insurance plans if changes are not made soon. Last week, the AFL-CIO passed a strongly-worded resolution blasting Obamacare despite the
Obama Administration's attempts to quell union opposition to aspects of the government healthcare overhaul.
ObamaCare exchange breach exposes 2400 agents to identity theft. [N]o one was laughing yesterday [9/13/2013] after an employee
at the exchange e-mailed out confidential information on 2,400 agents to an insurance broker — reminding everyone that data
security in the ObamaCare exchanges isn't exactly a top priority.
Aetna pulls out of 'Obamacare' health
exchange. Aetna announced today [9/12/2013] that it no longer plans to offer health insurance on the new health care exchanges
established by the Affordable Care Act. The announcement comes just weeks before hundreds of thousands of New Jerseyans will begin enrolling.
Costs Will Explode; Trader Joe's Shows Why. When Trader Joe's announced it was dropping health benefits for part-time workers, it
reassured them that they'd be no worse off as a result. "We believe that with the $500 from Trader Joe's and the tax credits available under
the (Affordable Care Act), many of you should be able to obtain health care coverage at very little if any net cost to you," noted CEO Dan Bane in
a memo to employees revealed this week. In other words, Trader Joe's — like some other companies — has decided to shift
its health care costs onto federal taxpayers via the subsidized ObamaCare insurance exchanges.
Obamacare Could Be a Fraudsters' Free-For-All.
Have any idea where to find a health insurance exchange? Up to speed on what a healthcare "navigator" is? Know whether you'll need a new government-issued
ID card to qualify for Obamacare when it goes live on October 1? Scam artists hope you're as clueless as possible, because they're counting on widespread
confusion about the Affordable Care Act to tap fresh opportunities for milking the unwary.
Four Years Ago Today, Barack Obama Offered
America a Pile of Empty Promises. Obamacare's 30-hour work week has made America a part-time nation. Forced with the choice of paying for Obamacare's
mandates or dropping insurance for their workers, many employers are dropping coverage and cutting work hours down to less than 30 hours per week. Nearly all
of the jobs created during Obama's presidency have been part-time jobs. Unemployment among the young and minorities is at crisis levels, but Obama is ignoring this
crisis. [...] So, rather than scrap the law that clearly isn't working, the Obama administration is going to spend 12 million taxpayer dollars advertising.
America, we must stop ObamaCare before it
becomes hazardous to our health. How will ObamaCare — a 2,700-page law passed by a single vote over bipartisan opposition — harm Americans'
health? Well, here are five of its worst side effects.
Citing costs, IBM to move retirees off health plan.
International Business Machines Corp. plans to move about 110,000 retirees off its company-sponsored health plan and instead give them a payment to buy
coverage on a health-insurance exchange, in a sign that even big, well-capitalized employers aren't likely to keep providing the once-common benefits as
medical costs continue to rise.
Creative Destruction. Nancy Pelosi waxed rhapsodic in 2010 as
she imagined the benefits of Obamacare: "Think of an economy where people could be an artist or a photographer or a writer without worrying about keeping
their day job in order to have health insurance." Well, that was the economy we used to have. But as Obamacare begins to kick in, artists,
photographers, writers, and other members of the "creative class" who have access to health insurance programs through numerous professional organizations
will lose that coverage.
This Train Wreck Unstoppable? More bad news for Obama-Care this week: Another state announced huge rate increases, and another labor union
rebelled over the harm it will do to members. Yet, this train wreck just keeps on rolling.
Technical snafus confuse charges for
Obamacare plans. Technical glitches still plague the display of new healthcare plans to be offered to millions of uninsured Americans starting
in 26 days, including how medical charges and deductibles are listed, industry officials say.
Five Groups At Risk of
Losing Plans Under ObamaCare. "We will keep this promise to the American people. If you like your health care plan, you can keep your
health care plan. Period. No one will take it away." That was President Obama selling ObamaCare in 2009, and it was a promise he
repeated on numerous occasions. As recently as this spring, Obama claimed that "for the 85% to 90% of Americans who already have health
insurance ... they don't have to worry about anything else." But this week, a survey of big businesses provided additional evidence that
it's a promise Obama won't be able to keep.
Obama Administration Is A White House Of Historic Incompetence. Barack Obama has already said the administration will not enforce the
employer mandate, will not verify eligibility for insurance subsidies and will not require employer-provided policies to cap employees' out-of-pocket
costs. The Constitution's requirement that the president take care to faithfully execute the laws apparently does not apply. ObamaCare
administrators continue to miss deadlines set by the health care law — 41 of 82 of them, according to Forbes' Avik Roy's reading
of the Congressional Research Service report.
Sorry, Obamacare Isn't Better Than 'No Plan'.
As they watch Obamacare shudder and smoke through the final countdown to its January liftoff, some of its advocates have discreetly eased away from
the launch pad to avoid political injury when the ramshackle contraption finally explodes. Yet the perversity of progressivism is such that,
even now, most supporters of the law refuse to admit that the countdown should stop.
How Obamacare Makes Theft Of Your
Identity More Likely. Last week, the Obama Administration doled out tens of millions of dollars to "community groups" across the country,
with few strings attached. These groups — and those posing as them — could gain access to consumer addresses, Social
Security numbers, and medical information. It's the President's gift to some of his grassroots allies. And it could be a bonanza for
Is Obama the worst president ever?
"If you like your health care plan, you can keep your health care plan." — President Obama, Aug. 11, 2009.
So said President Obama again and again through 2009 and 2010 as he sold Obamacare to the country. He promised. He put his personal
integrity on the line. His word. How many UPS employees voted for the president in 2008 and again in 2012? Because on Friday
[8/23/2013], UPS announced it was dumping 15,000 spouses of UPS employees from their UPS health plans despite the president's many, many promises
to the contrary.
Ted Cruz on Obamacare: The wheels
are falling off. "We all know President Obama promised the American people: 'If you like your health insurance you can keep it,'"
Cruz said. "And yet, every day that's proving less and less true. And I think the American people are ready to stop this, to stop the
biggest job killer we've got in our economy."
Lawlessness in the Executive. Shortly before
July 4, Obama unilaterally suspended for a year Obamacare's employer mandate — its requirement that most businesses provide
government-sanctioned health insurance. [...] Asked whether his successor could "pick and choose whether they'll implement your law and keep it
in place," Obama offered an astonishing reply: "I didn't simply choose to delay this on my own. This was in consultation with businesses
all across the country." Apparently, Obama has rewritten Article II of the Constitution; henceforth the president shall take care that
the Laws be faithfully executed unless he and some businessmen decide differently.
UPS drops health benefits
for 15,000 spouses. UPS cited the impact of Obamacare on health-care costs in announcing the move, which deprives the 15,000 spouses of the option
of keeping their current coverage, an Obama promise.
The arguments that justified Obamacare are already being discredited.
The technological architecture of the exchanges appears to be behind schedule and below expectations, and concerns about fraud and identity theft are especially grave.
Some provisions of the law (most notably the employer mandate, some reporting requirements, and verification of eligibility for subsidies) have been found too
difficult to implement and have been put off, at least temporarily, while others (like the CLASS long-term-care insurance scheme) have been found unworkable and
Delivers Bad News To UPS Workers. Thousands of UPS workers have found out what's actually in that ObamaCare package Democrats shipped out in 2010.
Their company decided to drop coverage for spouses to avoid the law's added costs.
Obamacare: UPS drops coverage for 15,000
spouses. Today's [8/21/2013] ObamaCare triumph is the announcement by United Parcel Service that it will drop working spouses from its health care
plan, loudly and repeatedly citing the Affordable Care Act as the reason.
UPS won't insure spouses of many employees.
Partly blaming the health law, United Parcel Service is set to remove thousands of spouses from its medical plan because they are eligible for coverage elsewhere.
Many analysts downplay the Affordable Care Act's effect on companies such as UPS, noting that the move is part of a long-term trend of shrinking corporate medical benefits.
NBC News: Negative Obamacare
Effects 'From Maine to California'. The only surprise here is the source. The details are all too familiar.
'Young Invincibles' Better Off Without
ObamaCare. Nearly 4 million young people will be much better off financially if they refuse to buy an ObamaCare insurance policy and
instead pay the fine for going without coverage next year, according to a study released Thursday by the National Center for Public Policy Research.
Pizza Chains Suffer Under Obamacare's
Third Most Onerous Regulation. The Obama administration's massive federal power grab has the National Restaurant Association (NRA) — and
the American Pizza Community (APC) — feeling something of buyer's remorse for their part in lobbying for Section 4205, which is an onerous
regulation that calls for restaurant chains with more than twenty locations to label their menus with nutritional information. For example, it's going
to cost each Domino's location around $5,000 a year. There are 5,000 locations. You do the math. It's also sucked in convenience and grocery
stores into this maelstrom of government idiocy.
Obama write his own laws? [Scroll down] Indeed, the very next day, it was revealed that the administration had unilaterally waived Obamacare's cap
on a patient's annual out-of-pocket expenses — a one-year exemption for selected health insurers that is nowhere permitted in the law. It was simply
decreed by an obscure Labor Department regulation. Which followed a presidentially directed 70-plus percent subsidy for the insurance premiums paid by congressmen
and their personal staffs — under a law that denies subsidies for anyone that well-off.
Obama's Political Incompetence. Obamacare, enacted more than three years
ago, has been unraveling for over a year. And there's a good reason for that: it was never intended to become law at all.
ObamaCare's Hazardous Subsidy Cliff.
Millions of families could be facing a bizarre situation: If they earn one extra dollar a year, their insurance costs will climb by thousands.
It's just one of the many perverse outcomes ObamaCare will create.
The Rollout of the Affordable Care Act.
As we advance toward the much anticipated rollout of Obamacare on October 1, the true horror of what Congress and the president have wrought is beginning
to sink in. There is a growing nervousness that the state insurance exchanges not only won't be ready, but may harbor a dangerous vulnerability that would
allow hackers access to the personal information of consumers who sign up for insurance via the sites.
Totalitarianism is always implemented in small steps.
Reid says Obamacare just a step
towards single-payer system. Senate Majority Leader Harry Reid of Nevada said Friday [8/9/2013] that Obamacare isn't the final word in
government health care reform, it's just a big step toward the real solution, which is a single-payer system. The Las Vegas Sun reports that
Reid made that statement during an appearance on a Nevada PBS news discussion program.
Blue Cross, Aetna, United, Humana Flee Obamacare
Exchanges. Major health insurance companies — Blue Cross, Aetna, United, Humana — have decided not to participate in
various states in the Obamacare health-insurance exchanges that will be the only place Americans will be able to buy a health insurance plan using the
federal subsidies authorized under the Obamacare law.
Obamacare Months Behind in Testing IT Data
Security: Government. The federal government is months behind in testing data security for the main pillar of Obamacare: allowing
Americans to buy health insurance on state exchanges due to open by October 1[.]
Obamacare Privacy Protections Way Behind Schedule; Rampant Violations Of Law Possible.
In order for Obamacare to work, the government will need to know a lot about your financial, medical, and employment
situation. Has the Obama administration set up adequate safeguards to protect Americans' privacy under the
law? According to the Office of the Inspector General of the Department of Health and Human Services, the answer
is no. Based on OIG's analysis, Obamacare's exchanges may end up illegally exposing Americans' private records to
hackers and criminals.
Chicago Dumps Retirees and America Into
ObamaCare. "I was promised health care for myself and my wife for life," said Michael Underwood, 62, who retired from the Chicago
Police Department after 30 years of service. However, in May, the city of Chicago announced they needed to remove some of the city's
11,800 pensioners, making them ineligible for Medicare coverage by 2017. Frightened and angered, Mr. Underwood is suing the city of Chicago
in order to keep his promised benefits. Mayor Rahm Emanuel has not respond to Mr. Underwood's lawsuit or the additional lawsuits brought
on by other retirees. Instead, he employed a bureaucrat to explain Chicago's philosophy and assistance.
How ObamaCare Hurts Patients.
President Obama promised to mend the failings in the American health-care system, and yet for cancer treatment, ObamaCare is taking a rotten
feature of the old system and making it worse. The Affordable Care Act expands a program called 340B, which siphons money from drug
makers and insurers to subsidize certain hospitals.
Shows How ObamaCare Will Bankrupt the Country. Looks like Detroit might get a federal bailout after all, by offloading its retiree
health costs onto federal taxpayers via ObamaCare. It's a window into why Obama-Care costs will quickly spiral out of control.
Detroit Bankruptcy Could Flood Obamacare
Exchanges, Increasing Costs. The retirees that cities like Detroit are trying to push into Obamacare's health insurance exchanges
could drive up the premiums in the exchanges and swell costs to the federal government, experts say. Detroit, which has filed for bankruptcy,
is trying to reduce its liabilities by pushing retirees who are too young for Medicare onto the federal healthcare exchange set up through the Affordable
Care Act, the New York Times reported on Sunday. The retirees could then buy their own insurance with help from federal subsidies.
Is ObamaCare Destined to Become a Parking Lot?
Perhaps the nearby little hospital which you love is consolidated with the bigger one a drive away, or the average doctor's appointment falls from to
ten minutes or five, followed by the choice in doctors being narrowed so that you have to accept the one assigned to you by the government. Or
certain tests or treatments which were once ordered automatically will be denied because they don't fit the metric of some anonymous advisory
panel — as all the while the amount families pay for medical insurance doubles, then doubles again. So what happens then?
The imminent health-exchange scandal.
[Scroll down] In reality, the beta version [of the Affordable Care Act] jammed through a few months ago will, unless delayed and fixed,
inflict on the public the most widespread violation of the Privacy Act in our history.
Retired city workers
file lawsuit over shift to Obamacare. Retired city workers are asking a judge to block Mayor Emanuel from making them rely
on Obamacare for their health insurance. It could cost Chicago taxpayers hundreds of millions of dollars.
Employees Union Is 'Very Concerned' About Being Required To Enroll In Obamacare's Health Insurance Exchanges. Two weeks ago,
representatives of three large labor unions fired off a harsh letter to Democratic leaders in Congress, complaining that Obamacare would
"shatter... our hard-earned health benefits" and create "nightmare scenarios" for their members. Today, we learn that the National Treasury
Employees Union — the union that includes employees of the Internal Revenue Service — is asking its members to write
letters to their Congressmen, stating that they are "very concerned" about legislative efforts requiring IRS and Treasury employees to enroll
in the Obamacare exchanges.
Employees Union Urges Members to Oppose Obamacare ... For Themselves. The National Treasury Employees Union, which represents
Internal Revenue Service employees, is urging its members to oppose legislation that would force federal employees off their government healthcare
plans and onto the state and national healthcare exchanges established under Obamacare. Members of Congress and their staffers are already
required to participate in the exchanges, which will go into effect next October 1st under the Affordable Care Act.
Yes, the White House has a law with thousands of pages, but the closer we get to Oct. 1, the day government-mandated
health-insurance exchanges are supposed to open, the more we see that the administration doesn't have a legitimate plan to
successfully implement the law. Unworkable. That word best describes ObamaCare. Government agencies in
states across the country, whether red or blue, have spent countless hours and incalculable dollars trying to keep the
ObamaCare train on its track, but the wreck is coming. And it is the American people who are going to pay the price.
falling apart. Three union presidents have sent Senate Majority Leader Harry Reid and House Minority Leader Nancy Pelosi
a scathing letter decrying Obamacare, showing just how out-of-control this law has become. [...] The fact is that the crater of Obamacare
is getting deeper, with sharper edges. The unions are first-tier political allies of President Obama and the Democratic Party,
and it was surely their last resort to put their grievances with Obamacare in writing in the public sphere.
10 Ways ObamaCare Is
Not Working As It's Supposed To. [Scroll down] Last summer the Supreme Court threw out a key part of ObamaCare designed to force
states to vastly expand Medicaid by threatening all federal support for that program if they refused. The court said the federal government
couldn't dictate such terms, and nearly half the states subsequently refused to expand their Medicaid programs. Other legal challenges
continue, the most potentially damaging of which involves the employer mandate.
Obamacare, Simplified. With open enrollment in Obamacare's
exchanges set to start in fewer than three months, the law's supporters are attempting to change the subject from Obamacare's many delays and glitches.
Instead, they're mounting a campaign to sell the unpopular measure to the public.
is a 19th-century answer to a 21st-century question. Simply put, the digitization of social interaction, economic transaction, the political
process and everything in between is decentralizing the world, moving it in the opposite direction of the massive centralization of Obamacare.
You union people should have thought of this before you gave the Democrats millions of dollars!
Unions: Obamacare Will 'Shatter' Our Health Benefits, Cause 'Nightmare Scenarios'. Labor unions are among the key institutions
responsible for the passage of Obamacare. They spent tons of money electing Democrats to Congress in 2006 and 2008, and fought hard to
push the health law through the legislature in 2009 and 2010. But now, unions are waking up to the fact that Obamacare is heavily
disruptive to the health benefits of their members.
insurance commissioner: We could "have a real disaster on our hands" with identify theft, fraud, and abuse. California rushed
headlong into the implementation of ObamaCare, eager to be the first model state to show off the many wonderful ways in which the law was
ostensibly meant to work. [...] Besides the very glaring problems of sharply higher insurance premiums and major insurers fleeing the
individual insurance market for via-employer insurance only, their "Covered California" exchange's administrators are realizing that
there's another predicament in the works.
Fraud fear raised in California's health exchange. As California
prepares to launch its health care exchange, consumer groups are worried the uninsured could fall victim to fraud, identity theft or other
crimes at the hands of some of the very people who are supposed to help them enroll.
Latest Obamacare Foul-Up Favors Smokers.
[Scroll down] Although we have been repeatedly told that Obamacare outlaws the practice of charging different premiums to different customers,
smokers are not the only patients who can be discriminated against under the "reform" law. It also permits insurers to charge elderly customers
more than their younger policyholders. In fact, PPACA allows them to charge an old person three times more than a young person. And this
combination of the smoker penalty and the age penalty is what seems to have stymied the brainiacs at HHS.
Hatch tells Obama to admit
healthcare law is 'a dog'. Sen. Orrin Hatch (R-Utah) called on President Obama to admit that his healthcare law is "a dog."
"What's the matter with this administration. Can't they just live with the facts and admit that this is a dog," Hatch said on the Senate
floor Thursday [7/11/2013]. "Everyday you hear more and more problems with it." Hatch's comment was prompted by a recent
announcement from the administration that it is delaying the employer healthcare mandate until 2015.
The ObamaCare exchange singularity.
The "affordability" of employer plans will now be based on the word of employees, while income eligibility will be subjected to random testing.
That's assuming the public exchanges don't just blow up on the launch pad, which is a distinct possibility, since they're still far behind
schedule. It's funny how just about every new ObamaCare story ends with more people tumbling into those "public exchanges," isn't it?
Those exchanges wiil devolve into a titanic welfare program that much of the "middle class" becomes hooked on.
Dirty Dozen Implementation Failures. Last week, the Obama Administration attempted to spin its announcement of
a one-year delay in Obamacare's employer mandate as an effort to implement the law "in a careful, thoughtful manner." Don't
be fooled. Even Democrats have admitted the law has turned into a massive "train wreck," with delays, glitches, and
problems aplenty. Here are a dozen more Obamacare implementation failures.
Health insurers fear young people will opt out. Persuading young,
healthy adults [...] to buy insurance under the Affordable Care Act is becoming a major concern for insurance companies as they scramble to comply with
the law, which prohibits them from denying coverage because of pre-existing conditions and limits what they can charge to older policy holders.
Obama exports jobs!
British Company Is Awarded
Contract to Administer Health Rollout. Racing to meet an October deadline, Obama administration officials said Thursday that they had awarded
a contract worth as much as $1.2 billion to a British company to help them sift applications for health insurance and tax credits under the new health
care law. The company, Serco, has extensive experience as a government contractor with the Defense Department and intelligence agencies, and it also
manages air traffic control towers in 11 states and reviews visa applications for the State Department.
Success Depends On The Young Being Stupid. ObamaCare's efforts to expand insurance coverage and bring down costs depend entirely
on convincing young people to buy coverage, while the law gives these people every reason not to.
Turns out, folks, you can't really keep your healthcare plan if you like it. Health care as you know it will change. Do you know how
much your new plan will cost? Do you know what it will cover? Will you be able to see your family doctor? Will your personal health
information remain private? Private and safe? Will you lose the health insurance plan you like? Will the high costs force your
employer to make you a part-time employee, change your plan or just drop your coverage altogether? Simply put, will you and your family have the
health insurance you need to ensure your well-being? Right now, you can't answer these questions and neither can the Obama Administration.
Lipstick on the Obamacare Pig. It's been
one year since the Supreme Court decision that allowed Obama administration officials to begin implementing the Affordable Care Act, and the
frequency and volume of reports about the challenges facing those reforms — and the difficulties they are visiting on those who were
supposed to benefit from them — are increasing dramatically.
GOP warns of 'train wreck'
ahead of ObamaCare rollout. Sen. Pat Roberts (R-Kansas) warned of a coming "train wreck" when enrollment begins in ObamaCare insurance
exchanges this fall in the Republican weekly address. Roberts, an outspoken opponent of President Obama's healthcare reforms, said that important
questions remain before the exchanges, part of what he called a "massive federal government takeover," go into effect in October. "Too little is
known about the exchanges. The fear is that only the sick will pay to join the exchange without young healthy people to foot the bill, then all
costs will further skyrocket," Roberts said. Republicans and Democrats alike have complained that the White House hasn't done enough to inform
the public about the law's advantages prior to its upcoming rollout.
It takes an army: Tens of thousands of workers roll out Obamacare. From the chief actuary at the
California health insurance exchange that President Barack Obama's healthcare reform law established to the legions of call center staffers who will help
people trying to buy insurance through such state exchanges, the number of people working to implement "Obamacare" has reached the tens of thousands, a
Reuters analysis has found.
Finds ObamaCare Train Wreck Ahead. After months of reassurances that the ObamaCare exchanges would be running by Oct. 1, it
turns out they're well behind schedule. Truth becomes an even rarer commodity in the Obama administration. 'Yes, we will be ready,"
said Gary Cohen, who is spearheading ObamaCare implementation at the Department of Health and Human Services. That was in January.
ObamaCare Trail of Tears.
Set aside the IRS or the National Security Agency — the most secretive part of the government is the Health and Human Services Department
and the black box that is implementation of the Affordable Care Act. For years HHS has stonewalled the congressional oversight
committees about its progress, and now we're starting to learn why. On Wednesday [6/19/2013] the auditors at the Government
Accountability Office released the results of two investigations and optimistically conclude that it "cannot yet be determined" if
ObamaCare will be ready for enrollment a mere four months from now.
The Young Won't Buy ObamaCare. Media outlets lately
have emphasized the challenge of enticing healthy young adults to sign up for ObamaCare, "exactly the type of person insurance plans, states and the federal
government are counting on to make health reform work," as the L.A. Times put it. These pieces are useful as far as they go, but miss a key point
that Supreme Court Justice Samuel Alito managed to convey in many fewer words during last year's Supreme Court argument on ObamaCare. Mr. Alito pointed
out that young, healthy adults today spend an average of $854 a year on health care. ObamaCare would require them to buy insurance policies expected to
cost roughly $5,800.
Obamacare's Insurance "Solution": Medicaid
for All. Even as the Left celebrates Obamacare's expansion of health coverage, a Reuters story highlighted what kind of
"insurance" people will receive under the law.
will share personal health info with federal, state agencies. A new 253-page Obamacare rule issued late Friday [6/14/2013]
requires state, federal and local agencies as well as health insurers to swap the protected personal health information of anybody seeking
to join the new health care program that will be enforced by the Internal Revenue Service. Protected health information,
or PHI, is highly protected under federal law, but the latest ruling from the Department of Health and Human Services allows agencies to trade
the information to verify that Obamacare applicants are getting the minimum amount of health insurance coverage they need from the health "exchanges."
subpoenas ObamaCare files. House Oversight Committee Chairman Darrell Issa (R-Calif.) subpoenaed documents from a controversial
ObamaCare program on Friday after charging that the Obama administration had denied his request several times. Issa is seeking
information on a federal attempt to boost nonprofit health plans, known as CO-OPs (consumer oriented and operated plans), which compete
with traditional health insurance. The Affordable Care Act created a $3.4 billion federal loan program for CO-OPs that
Republicans say might never be repaid because of some applicants' financial troubles.
Coverage may be
unaffordable for low-wage workers. It's called the Affordable Care Act, but President Barack Obama's health care law may
turn out to be unaffordable for many low-wage workers, including employees at big chain restaurants, retail stores and hotels.
More Bad Obamacare News. Forbes reports that Ohio is the latest
state to announce a market-increase in healthcare premiums as a consequence of Obamacare. According to an Ohio Department of Insurance
press release, the average Ohioan currently pays $223 per month, but can expect premiums to surge to $420 with the implementation of the
Affordable Care Act.
Under Obamacare Never Falls Below 30 Million. On Monday, CNBC reported on a new survey that found that two-thirds of
Americans currently without health insurance don't know if they will purchase coverage by the deadline, the first day of 2014.
The survey was released by InsuranceQuotes.com, a company that offers comparison shopping for insurance, similar to the
"marketplaces" envisioned by Obamacare.
California bill would fine big firms
whose workers get Medi-Cal. For years, politicians and labor unions have pilloried Wal-Mart and other large employers for
paying workers so little that many qualify for government health insurance at taxpayers' expense. Now critics fear the public will
get stuck with an even bigger tab as California and other states expand Medicaid as part of the federal healthcare law.
If You Like Your Plan, You Can't Necessarily Keep It. [Scroll down] "Canceling" and "changing" do not equal "keeping," which was the
promise. The CBO estimated last year that up to 20 million Americans could lose their current coverage under Obamacare. Other projections peg
the number at 35 million, or more. With the media focused on the administration's myriad scandals, the president is gearing up for yet another
public relations tour on behalf of the law that he never sold to the public, despite delivering dozens of speeches.
Like your health care policy? You may be losing it.
Many people who buy their own health insurance could get surprises in the mail this fall: cancellation notices because their current
policies aren't up to the basic standards of President Barack Obama's health care law.
Insurance Exchanges Are A Downgrade. If you live in California and purchase health insurance on the newly created exchange called
Covered California, don't expect care at Cedars-Sinai Medical Center, the prestigious academic hospital in Los Angeles. That top-drawer
care won't be covered by exchange plans. Many Californians will have to give up doctors and hospitals they currently use if they want
subsidized coverage. That's one of the truths omitted from last Thursday's [5/23/2013] fanfare when Covered California unveiled the plans
it will offer starting Oct. 1.
Health Law Critics Seek to Gut It by
Attacking Exchanges. Opponents of President Barack Obama's health-care law are gearing up for a new round of attacks, this time targeting
the legislation's insurance exchanges that would expand coverage to millions of Americans.
Unions, the reliable
Democratic supporters, split from president on ObamaCare. Labor unions that have solidly backed President Obama are splitting with him over
ObamaCare — with one calling for the "repeal or complete reform" of the president's signature health-care law. Union leaders argue
insurance costs for millions of workers will increase under the president's health-care plan so they might have to drop their existing plan, despite
Obama promising the opposite.
Are ObamaCare's 'Markets' Doomed
To Fail? What if government created an insurance "marketplace" and no one came? As the launch of the ObamaCare insurance exchanges
draws near, that could happen — bringing the reform crashing to the ground.
largest health insurer opts out of California's Obamacare exchange. UnitedHealth, the nation's largest private insurer, will
not participate in California's Obamacare health exchange, the Los Angeles Times reported Thursday [5/23/2013]. Health insurance
giants Aetna and Cigna will also opt out of Covered California, the state agency charged with implementing Obamacare. All three
insurers will still provide health insurance through large employers in the state.
Labor Unions, Including Teamsters, Want ObamaCare Repealed. As the media, by and large, ignores the train wreck that is
on the horizon with ObamaCare, yet another union has jumped ship on the president's health care overhaul. Back in April, you may
recall, the United Union of Roofers, Waterproofers, and Allied Workers officially said thanks but no thanks to the president's plan.
Well, now, a major labor union in the grocery industry is balking at the policy.
The Obama Crony in Charge of your
Medical Records. Who is Judy Faulkner? Chances are, you don't know her — but her politically connected,
taxpayer-subsidized electronic medical records company may very well know you. Top Obama donor and billionaire Faulkner is founder
and CEO of Epic Systems, which will soon store almost half of all Americans' health information. If the crony odor and the
potential for abuse that this "epic" arrangement poses don't chill your bones, you ain't paying attention.
Obamacare and Chicago's Unions. Chicago's
public-sector workers have a pretty good health care deal and enjoy a 55 percent subsidy. They like their plan, but they may not be
keeping it. This week, the mayor's office announced that change is on the horizon. City Comptroller Amer Ahmed wanted to reassure
the city's 30,000 workers who "were worried we were gonna dump them onto some Obamacare thing we didn't know anything about." Indeed,
that is exactly what the mayor is planning to do. According to the Chicago Tribune, all city employees will be asked to either
pay for their own insurance, or seek subsidies under the Affordable Care Act as of January 1, 2014, as part of a three-year transition
off of the current benefit.
Train Wreck Ahead.
Most Americans — even those who are legislators — know very little about the details of President Obama's
Affordable Care Act, so-called Obamacare. Next year, when it goes into effect, we will learn the hard way. Many people
lazily assume that the law will do roughly what it promises: give insurance to the uninsured and lower the cost of health care
by limiting spending on dubious procedures. Don't count on it.
My Five Obamacare
Anxieties. Conservatives are talking about the implementation of Obamacare in the same thoughtful way they talked about
its enactment — that is, as an impending apocalypse. It won't be, as I've noted previously. Most Americans get insurance
through employers, Medicare, and Medicaid, and that will still be the case on January 1, when Obamacare's big provisions take
effect. But the minority who buy insurance on their own or have no insurance will see tremendous changes.
It's the legislative equivalent of "pump and dump."
Grassley: Baucus Retiring
Because He's 'Fed Up' With Obamacare. Democratic senator Max Baucus is retiring because he is "fed up" with the Affordable
Care Act, according to his Republican colleague Chuck Grassley. Speaking at Friday night's Lincoln Day dinner in Iowa, Grassley
told the audience the Montana senator is leaving office "because he's so fed up with the possibility of the implementation of Obamacare
being a train wreck." Baucus, the chairman of the Senate Finance Committee, played a key role in writing the 2010 law.
Liberal Democrat: Obamacare Insurance Premiums To "Shoot Up". Isn't it funny that when Republicans were pointing out
issue after issue with Obamacare, Democrats were insisting that the bill was perfect. However, now that Obamacare is about
to go into effect, suddenly Democrats are seeing all sorts of problems that they never noticed before.
Wasn't enrollment in Obamacare supposed to be quick and easy?
$150m to teach people how to enroll in Obamacare. Health and Human Services Secretary Kathleen Sebelius announced Thursday
that HHS will spend $150 million to teach people how to enroll in the Obamacare exchanges, after a Democratic senator scolded her for
running a poor "public information campaign."
Applying for ObamaCare — Still
Not Simple. The three-page application is for people who don't get health insurance at work and are seeking coverage and
subsidies for themselves. One big reason the new form is shorter: the type is smaller, with less space for answers. The
much-derided 21-page application was for families. It is now down to 11 pages, thanks to a trick. Eight pages in the
longer application called for filling in information for four additional family members. The new form cuts these pages but says
that if you have children, "make a copy of Step 2: Person 2 (pages 4 and 5) and complete." The work
required of the applicant remains the same.
Difference Does it Make? The RAND study done in the 1970s and reported in the 1980s found that giving people
health insurance didn't make a difference to their health; it just increased their consumption of health care.
Bad news just keeps coming for
Obamacare. Obamacare goes fully into effect on Jan. 1, 2014, and the people who imposed it on a reluctant country — President
Obama and congressional Democrats — are no longer celebrating their handiwork. The first prominent Democrat to wring his hands in public
was Senate Finance Committee Chairman Max Baucus, D-Mont., who two weeks ago voiced his fear that implementation of the law was becoming a "train wreck."
The Latest Broken Promises of Obamacare.
In the last few days there has been a litany of information dropped on the continued failings of government health care and the implementation of Obamacare.
Remember, this law was supposed to bring costs down and provide coverage to more Americans, get rid of government waste and do it all without adding anything
to the debt. Well, three years into this law what are we finding out?
5 Ways the Immigration Bill Is Like
Obamacare. Remember President Obama's promise that "If you like your health care plan, you can keep it"? That's just one of the
most famous (or infamous) broken promises of Obamacare. The Congressional Budget Office projects 7 million people will lose their
employer-sponsored coverage by 2022 because of the law.
More Money Won't Prevent An ObamaCare
Train Wreck. Sen. Harry Reid joined other Democrats in pleading poverty as an excuse for any ObamaCare launch failures. That's rich,
since the administration has wildly overspent to get this monstrosity off the ground.
Why Obamacare Will Be No More Successful
Than Soviet Central Planning. Markets find ways to make things better and cheaper. Obamacare often forbids that.
Another Missed Deadline Ahead for
Obamacare. Under President Obama's 2010 health law, the government officials in charge of keeping Medicaid afloat have
until Tuesday [4/30/2013] to report whether costs for the fiscally foundering program will exceed expectations. But they won't
have anywhere to send their report. That's because the Independent Payment Advisory Board — perhaps the most controversial
entity created under Obama's law — still doesn't exist.
Challenge: Lawsuit Says IRS Is Flouting the Law As Written by Congress. Here comes another legal challenge to Obamacare:
On Thursday [5/2/2013], a group of small business owners and individuals in six states sued the federal government over an IRS regulation
that they say goes beyond the "plain language" of the Affordable Care Act (ACA). In a nutshell, the plaintiffs argue that federal
subsidies intended to help lower-income people afford insurance are going to states that should not get them. The way the Affordable
Care Act is written, states that refuse to set up their own health care exchanges are not eligible for the federal premium subsidies.
ObamaCare rollout tops Democratic fears for 2014 election. Anxious Democrats fear a botched implementation of ObamaCare
could dash their hopes of controlling the House and Senate for President Obama's last two years in office. At his press conference
Tuesday [4/30/2013], Obama acknowledged "glitches and bumps" in the law's rollout, but some congressional Democrats fear much worse.
One high-ranking Democrat told The Hill that it is his leading concern.
Obamacare off the rails.
Sen. Max Baucus, who as chairman of the Finance Committee guided Obamacare down the tracks in the U.S. Senate, is changing his
tune now that he's about to retreat into Montana to hide in placid retirement. He sees "a huge train wreck coming down" with
the implementation of President Obama's health care takeover. Now he tells us.
IRS Health Insurance Penalty Will
Not Motivate Consumers To Buy Insurance. A new HealthPocket consumer survey found that most people don't feel a penalty
for remaining uninsured will motivate them to buy insurance starting in October. When survey takers were asked, "Will the $95 IRS
penalty motivate you to shop this October for an Obamacare health plan?" nearly two-thirds of consumers surveyed answered "No."
Only 8 percent of respondents answered "Yes" and nearly 30 percent were unsure.
Top Democrat: Obamacare
'Huge Train Wreck Coming Down'. Sen. Max Baucus (D-MT) warned he sees "a huge train wreck coming down" with the implementation of
the Affordable Care Act, known to its critics as Obamacare. The candid comments came during a Wednesday [4/17/2013] hearing with Obama's
Health and Human Services Secretary Kathleen Sebelius. "I'm very concerned that not enough is being done so far — very
concerned," said Baucus. "Small businesses have no idea what to do, what to expect."
to Baucus: ObamaCare 'train wreck' is your fault. Rep. Mike Pompeo (R-Kan.) was not impressed with Sen. Max Baucus's (D-Mont.)
criticism of how the Obama administration has implemented its signature healthcare law. Baucus said Wednesday [4/17/2013] that he
fears the implementation will be a "huge train wreck" because people do not understand what the reform law does. If it's a train
wreck, Pompeo said, Baucus has no one to blame but himself.
10 things for Dems to worry
about. [#2] Obamacare really is a "train wreck," causing its delay (another downer for the left) or further bolstering
opposition to the bill. This makes reelection that much harder for Democrats who voted for it.
The Wheels Come Off Obamacare. [Joe] Klein isn't the only advocate
of Obamacare to finally notice that this hopelessly Byzantine health care "reform" law is an implementation nightmare. Even the Secretary of Health & Human
Services (HHS) has admitted as much. But, whereas Klein correctly assigns responsibility to the President, Commissar Sebelius places the blame on evil
Republicans: "It is very difficult when people live in a state where there is a daily declaration, 'We will not participate in the law.'"
A totalitarian says she is surprised by the resistance.
Obamacare More 'Difficult' Than Anticipated. The Hill noted that Sebelius, speaking at the Harvard School of Public Health, said
Republican governors who have rejected the health exchanges and Medicaid expansion have frustrated the administration's efforts to smoothly roll out
the law. As a result, she said the administration faces "state-by-state political battles" they had not anticipated.
In the Rush To
Obamacare California Dems Want To Redefine Who Is A Doctor. Did you know that the California legislature is looking to erode
the quality of everyone's access to healthcare, in their rush to implement Obamacare? [...] Three years after the bill was signed into
law, the American public is only now beginning to understand the wide array of unintended consequences that this misguided reform effort
will have on our nation's health care industry.
Reflections of a Medical Ex-Practitioner.
A fundamental principle in medicine is that if you get the diagnosis wrong, you'll probably apply the wrong therapy. A corollary is that if the
therapy isn't working, increasing the dose may make things worse. That's where we are with ObamaCare. There are shortcomings aplenty in the
health-care field, and changes and improvements are required. But never have I seen so many good intentions leading irreversibly to hell.
Obamacare Incompetence. The key incentive for
small businesses to support Obamacare was that they would be able to shop for the best deals in health care super-stores — called
exchanges. The Administration has had 3 years to set up these exchanges. It has failed to do so.
This is a really bad sign.
It's time to delay Obamacare. Opponents of the
law should not relish the coming chaos because the damage it will do to our underlying health-care system will be lasting and significant.
And supporters should not underestimate the damage that the coming fiasco will do to their credibility. This mutual dread at the
law's 2014 rollout should point to a mutually appealing response: Congress should delay the law's implementation by at least a year.
Fun with Obamacare. The "ObamaCare tax," of
course, is what was formerly called a penalty until Chief Justice John Roberts rechristened it a tax. But whatever one calls it, the
bottom line is, the federal government cannot punish anyone, in any way, for refusing to pay it. It can only deduct the tax from
your refund. If you have one. [...] Indeed, in all my self-employed years, I have never gotten a refund. And if I do not get a
refund, the IRS has no source from which to seize the tax.
in Trouble? Exchange provision delayed, as lawmakers push to repeal another. Parts of ObamaCare are starting to fray, even
before full implementation. The Obama administration now says a special system of exchanges designed to make it easier for small
businesses to provide insurance will be delayed an entire year — to 2015. [...] The exchanges were designed to give workers a
range of choices supported by dollars from their employers. But now they will have only one choice until 2015, which could mean
they can't shop for insurance that includes their current providers.
Obamacare is Obama's Iraq War.
Not even the most ardent defenders of Obamacare — aka the Patient Protection and Affordable Care Act — claim anymore
that the law will lower health coverage costs for Americans. How, then, will it achieve universal coverage, its central goal?
The short answer is, it won't.
What Obamacare Isn't.
If you would like to know what insurance really is, and why Obamacare (and much private "medical insurance") is not insurance at all, but
an economic and humanitarian disaster waiting to happen, you cannot do better than Megan McArdle's delightfully jargon-free article
in The Daily Beast.
Repeal Obamacare. Liberals had hoped,
and some conservatives had feared, that the legislative Frankenstein's monster known as Obamacare would become more popular as its sundry
measures were implemented. But the Patient Protection and Affordable Care Act is no more popular now than when it was passed, as
Americans have come to realize that it will neither protect patients nor provide for affordable care.
The Obamacare Nightmare.
Mitt Romney could not credibly oppose Obamacare, because he invented it. If Republicans in 2016 are not enthusiastically selling an
alternative, Obamacare will remain the default cure for what ails the U.S. healthcare system, even as it kills the patient.
Sebelius: Some Could See
Insurance Premiums Rise. Some people purchasing new insurance policies for themselves this fall could see premiums rise
because of requirements in the health-care law, Health and Human Services Secretary Kathleen Sebelius told reporters Tuesday
[3/26/2013]. Ms. Sebelius's remarks come weeks before insurers are expected to begin releasing rates for plans that start on
Jan. 1, 2014, when key provisions of the health law kick in.
The culture war is all Obama has left.
Obama's signature domestic accomplishment, Obamacare, remains highly unpopular. Health care premiums are rising, as its opponents
predicted, and numerous newspaper stories are now highlighting how the law is either discouraging new hiring altogether or forcing more
Americans into part-time work involuntarily. The key component of the law, the state-based insurance exchanges, are supposed to be
up and running in just over seven months, and no one believes they will be functioning properly.
Harvest of uncertainty over Obamacare.
There are an estimated 600,000 crop workers and roughly 20,000 livestock workers in California at a given time. For every job in
farming, the industry creates two to three nonfarming jobs. It's an industry that should thrive in California, where the climate
is kind. Yet, Obamacare adds more burdens on farmers, who already contend with onerous state and federal requirements that hamper
production and harvesting.
Obamacare is Crumbling. Obamacare is falling
apart before our eyes. The long-term care insurance program known as the CLASS ACT was deemed financially unworkable and shut down
by the administration's own actuaries. Taxpayer-funded health care cooperatives never got off the ground and were shut down in the
fiscal cliff deal. Last month the federal Pre-Existing Condition Insurance Plan stopped accepting enrollment applications.
providers cropping up under Obamacare. Remember when we were told that there was no way that Obamacare would result in
driving up costs of healthcare, and in fact would lower it? Well, that ship has already sailed. But there was another
popular "myth" which many of us were accused of falling for. It was the prediction that government meddling in cost setting would
drive health care professionals out of business resulting in less available services and a subsequent decline in quality of care. [...]
Unfortunately, the early projections show that precisely such a result is already kicking into gear.
Illinois' Obamacare Troubles. Illinois wants to be
the engine that pulls states toward the Affordable Care Act, yet a metaphorical "train wreck" is just around the bend. [...] Saving money in
Illinois' Medicaid system has been an exercise in lowered expectations. State Sen. Heather Steans (D-Chicago) said Illinois hoped for more
than $500 million in savings by simply trimming the Medicaid rolls. That didn't happen.
begin lowering expectations on Obamacare. A month before the final passage of his health care law, President Obama
convened a summit the Blair House. During the staged event, which was aimed at resurrecting the bill, he touted the legislation's
insurance exchanges. Obama said, "[I]f you join one of these exchanges, you will have choice and you'll have competition.
You will have a menu of private insurance options that you'll be able to purchase ... " [...] Three years later, and just months
before the exchanges are set to be operational, the Obama administration is starting to lower expectations. Dramatically.
Three Years Too Late,
Finally Some Honesty on Obamacare. Now that the bill is safely passed and its namesake has been reelected, the [New York]
Times small business section has come to a shocking realization: Obamacare is going to very seriously, and very negatively, impact
small businesses. In two separate stories on their homepage the picture is clear: business owners are facing tough decisions
regarding their compliance and most of the possible scenarios will end up hurting the employees that the healthcare law was supposed to
The Doctor Won't See You Now. He's
Clocked Out. Big government likes big providers. That's why ObamaCare is gradually making the local doctor-owned
medical practice a relic. In the not too distant future, most physicians will be hourly wage earners, likely employed by a
hospital chain. Why? Because when doctors practice in small offices, it is hard for Washington to regulate what
they do. There are too many of them, and the government is too remote. It is far easier for federal agencies to
regulate physicians if they work for big hospitals. So ObamaCare shifts money to favor the delivery of outpatient care
through hospital-owned networks.
First You Pass It, Then You Learn What It Does. We're shocked, shocked to hear that there may be yet another way Obamacare
is costing more than originally advertised. One of the key features of the Affordable Care Act was the creation of a Pre-Existing
Condition Insurance Plan to help those with pre-existing conditions get and keep coverage. According to MedPage Today, the Centers
for Medicare and Medicaid Services recently stopped enrolling people in the plan. Even though far fewer people have signed up than
expected and $5 billion had been budgeted for it, the program is already running into financial problems.
10 Things That Are Simpler Than
Applying For Obamacare. The draft application for health insurance under Obamacare is out, and it's long — 21 pages,
to be exact. That's close to ten times longer than an individual tax return, and significantly longer than an application for
citizenship or a federal housing loan. It's even longer than an application to establish a bank.
Few insurance plans
cover all services mandated by new health-care law. Only 2 percent of health plans available to consumers in the private
insurance market offer all the coverage that will become mandatory next year under the federal health care law, a new analysis has
found. That means consumers and the federal government might end up paying the cost of the new requirements through higher
Kicks Wives Off Husbands' Health Plans. An unintended consequence of the abomination that is called ObamaCare is the
dropping of wives from husbands' employer-provided health care insurance. It's a de facto war on women.
Congressman suddenly not so sure you can keep your insurance after all. Are you as shocked as Rep. Eliot
Engel (D-NY)? Somehow, I rather doubt it, and I don't think Jason Mattera is as surprised as the front-page pic suggests,
either. Confronted with the new CBO analysis that shows more than seven million Americans will lose their present health-insurance
coverage from ObamaCare despite his repeated assertions that no one would lose their coverage, Rep. Engel tells Jason in this
Andrea Tantaros Show video debuting exclusively at Hot Air that Congress can always go back and fix what's not working.
Will Only Suckers Buy ObamaCare
Insurance? For years, ObamaCare critics focused on its least popular feature — the mandate that everyone buy
insurance — taking their fight all the way to the Supreme Court. But as ObamaCare's official launch date approaches,
even its backers are beginning to admit that the law could actually create powerful incentives for millions of people and thousands of
businesses to drop their coverage, despite the mandate.
Democrats: Obamacare a 'Regulatory Health Coverage No Man's Land'. At a Senate Finance Committee hearing on
February 14th, The White House's top Obamacare regulator found himself dodging bullets from an unexpected source:
the very Democrats who passed President Obama's signature healthcare law.
ObamaCare's False Starts [are] A
Blessing. The feds missed their own deadline late last year for issuing all the rules for states on how their insurance exchanges are to
operate. They haven't yet finished the "data hub" states will need to determine eligibility for benefits. And the federal government is now
scrambling to put together dozens of exchanges in the 25 states that unexpectedly refused to set them up on their own.
With Election Over, Obama
Announces Medicare Cuts to Fund ObamaCare. During the 2012 election campaign, Democrats denied that ObamaCare made $716 billion in cuts to
Medicare in order to provide funding toward $1.9 trillion in new entitlement spending over the next ten years. In an announcement on Friday [2/15/2013],
however, the Obama administration revealed that it would be significantly reducing funding for Medicare, a move that one health insurance analyst said "would turn
almost every plan in the industry unprofitable."
Health Exchanges Are Customer Free Zones. Last month, the CEO of the nation's largest health insurance company warned
that he and his peers may balk at participating in Obamacare's insurance exchanges — online, government-run portals where
consumers and small businesses without conventional employer-sponsored coverage may shop for policies starting next year.
ObamaCare's 'Baby Elephant' .
HHS will manage the exchanges in 32 states starting in October but has released only 19 pages of regulatory guidance. ObamaCare
is so convoluted, and HHS so incompetent, that the entitlement may explode on the launchpad.
News: Delay Of ObamaCare's Launch More Likely. Now that ObamaCare appears unstoppable, the question is can
it be delayed? Thanks to bureaucratic bumbling combined with the law's massive complexity, delay appears to be
ObamaCare is going to
cost us 127 million+ hours a year. Just a little midweek, midday roundup of a few of the most recent ways in which the
Affordable Care Act is just not going according to plan. "Unexpectedly," of course. The House Ways and Means,
Education and Workforce, and Energy and Commerce Committees have teamed up on a new report called the "ObamaCare Burden Tracker,"
meant to function as "a real-time online resource to help the public keep track of all of the new government mandates, rules, and
red tape as a result of ObamaCare."
Seven million will
lose insurance under Obama health law. President Obama's health care law will push 7 million people out of their
job-based insurance coverage — nearly twice the previous estimate, according to the latest estimates from the Congressional
Budget Office released Tuesday [2/5/2013]. CBO said that this year's tax cuts have changed the incentives for businesses and
made it less attractive to pay for insurance, meaning fewer will decide to do so. Instead, they'll choose to pay a penalty
to the government, totaling $13 billion in higher fees over the next decade.
Obamacare Will Force 7 Million Off Private Insurance. In 2009, President Barack Obama promised Americans that Obamacare
would not threaten citizens' individual healthcare plans. "No matter what you've heard, if you like your doctor or healthcare
plan you can keep it," said Obama in 2009. "And everyone will have the stability and security that's missing today."
Obamacare Alchemy. The Obama administration has found the
policy equivalent of alchemy. Employees of religious organizations will receive contraception coverage. And neither the individuals
nor the groups will have to pay for it. It's magic.
Insurance Exchanges Are Already Turning Into A Disaster. Devoted users of Internet radio apps like Pandora may soon hear
unexpected sound bites on their favorite music channels — ads touting ObamaCare. That's right. In an attempt to
drum up support for the law's health insurance exchanges, some states are planning advertising campaigns that could include
everything from pro-ObamaCare coffee-cup sleeves to spots on popular music-streaming sites.
Higher health care
premiums could cause Obamacare to death spiral. The health care law aims to prevent insurers from discriminating against those with
pre-existing conditions, to make sure that policies cover a specified package of benefits, and to limit how much extra money insurers can charge
older and sicker patients. All of these provisions increase costs and decrease insurance industry profits. But through the mandate
forcing individuals to purchase insurance, the law hopes to push enough younger and healthier Americans into the insurance pool to offset theses [sic]
cost increases. This is where the problem with rising premiums comes in.
Can ObamaCare Be Stopped? The Democratic Party forced ObamaCare
on the American people, and we will struggle mightily in the coming years to deal with it. There will be pain for everyone, except for members of Congress and
government employees. The ACA was passed on the promise that it would reduce health care costs and make health care available to more Americans. ObamaCare
will have the exact opposite effect.
ObamaCare Will Bring Bureaucracy,
Endless Rules And Coercion, But Improve Nothing. My friend pays $15,000 a year for health insurance. In northern New Hampshire, that [...] will
get an appointment with a nurse-practitioner in six months' time. Why is it taking so long? Well, because everything in America now takes long, and
longer still. But beyond that malign trend are more specific innovations, such as the "Office of the National Coordinator for Health Information Technology,"
which slipped through all but unnoticed in Subtitle A Part One Section 3001 of the 2009 Obama Stimulus bill.
California's Blue Shield Seeks Up To 20% Rate
Hikes. ObamaCare was supposed to stop this sort of thing, wasn't it? That's how Pelosi, Obama et al sold the law, but its plain
effect has been to hike taxes and rates.
Obamacare Health Exchanges Won't Work.
There is a debate right now about whether to establish a state run health care exchange, or let the federal government administer the
exchange. It's a poor Solomon's choice. Neither will work.
Post-election surprise: A slew of bad news.
So far, the health-care rules are brilliant. Insurers are required to spend most of their income on health care, can't take massive profits. If they
don't, they have to refund their customers the difference.
Obamacare helps big hospitals, kills
small practices, drives up costs. When government gets bigger, big business typically benefits at the expense of smaller competitors, consumers, and
taxpayers. Obamacare is demonstrating this rule. Bloomberg reports today on how Medicare payment rules have led to hospital consolidation, with small
practices selling out to big hospitals.
This Is Your Life under Obamacare.
Have you sat in a doctor's office recently? Doctors take in patients per hour at an alarming rate, just to pay their own bills. I can
hear their muffled voices in the mini-offices nearby. I don't imagine he spends more than five minutes — and that's long — with
each patient. Doctors run through patients like cattle at branding time. If you don't believe this will happen under Obamacare, you're
Annals of Government Medicine.
With President Obama's re-election, it is generally assumed that Obamacare is here to stay. Which means that pretty soon, your health care
will be run incompetently, like the postal service, and with an agenda, like the EPA and the Department of Energy. Where does that lead?
Britain's National Health Service has shown the way.
Obamacare's Killing Jobs, Says a
Guy Who Voted for it Twice. Partially due to his votes on this issue, [Democratic Senator Evan] Bayh chose not to face voters in 2010.
He cashed out and joined a law firm that represents an industry that's going to be decimated by one of the many taxes and accounting gimmicks that
Democrats — himself included — used to manipulate and hide the true cost of their partisan bill.
Obamacare Fines Start For
Hospitals That Readmit Sick Patients. Hospitals who re-admit patients within 30 days after they were discharged will now have to, under
an Obamacare provision, pay fines as of October 1, 2012, which could force hospitals to slash programs that help the elderly, the poor, and the
chronically ill. According to a study, "about two-thirds of the hospitals serving Medicare patients, or some 2,200 facilities, will be hit with
penalties averaging around $125,000 per facility this coming year."
The Flaws That Will Bring Down
Obama's Health-Care Plan. The debate over President Barack Obama's health-care law has taken another twist. Now conservatives
and libertarians are defending it, while the administration tries to toss part of the legislation out. The reason for this role reversal is
that the drafters of the law outsmarted themselves and handed their opponents a weapon. Now they would like to pretend the law doesn't say
what it does.
60% of firms
to kill health insurance or charge more under Obamacare. A majority of small business owners and manufacturers are mulling
drastic changes to comply with Obamacare, with 21 percent set to drop health insurance to workers altogether and 38 percent planning
to make employees pay much more. In a poll done for the National Association of Manufacturers and National Federation of Independent
Businesses, 59 percent said that they will have to consider changes once the full law kicks in because increased costs will jeopardize
their operations. According to the poll, 67 percent expect Obamacare to raise healthcare costs.
More than 2,200 hospitals
face penalties under ObamaCare rules. A provision of ObamaCare is set to punish roughly two-thirds of U.S. hospitals evaluated by
Medicare starting this fall over high readmission rates, according to an analysis by Kaiser Health News. Starting in October, Medicare
will reduce reimbursements to hospitals with high 30-day readmission rates — which refers to patients who return within a
month — by as much as 1 percent. The maximum penalty increases to 2 percent the following year and 3 percent
Obamacare's Uneforceable Linchpin.
[Scroll down] The day before the vote, however, the House Ways and Means Committee heard testimony that highlighted another,
more promising way to override the health care law: Americans can refuse to comply with its command that they obtain
government-approved medical coverage, which the Supreme Court has deemed a mere suggestion even though it is essential to the
legislation's goals. Furthermore, if Obamacare objectors take a simple precaution, they can opt out without paying the
Relationship. With respect to medical care, far too many Americans make assumptions that have no basis in reality.
Two of the most pernicious ones will be greatly exacerbated now that the Affordable Care Act has been ruled constitutional.
The first assumption is the idea that having health insurance is the equivalent of having healthcare itself. The second
assumption is the idea that doctors will be beholden to the interests of individual patients above all else. Both assumptions
Obamacare's Empty Mandates.
Turns out, the government has no way to enforce the individual mandate — the tax that scofflaws have to pay for failing to get health insurance
coverage. That's right. There is no penalty in the law for refusing to pay the tax. So that unlike paying income taxes, if you don't get
coverage, the IRS cannot seize your bank accounts or dock your wages. They can't even charge you interest on unpaid penalties! So how
is the IRS going to enforce it?
This is your life under ObamaCare. Doctors will
weather the storm of ObamaCare even if we have to see a patient every five minutes and spend most of our time seeking test and treatment approvals, but
what about you? How will you feel when you hear about a brand new cure only to find out that your insurance won't cover it?
Obamacare is no care. [Scroll
down] Most alarming are the testimonials of businesses who are witnessing Obamacare's effects firsthand. One owner of
12 IHOP restaurants recently said that he cannot expand his business because he cannot afford the burden of Obamacare. He
simply can't afford to pay a $2,000 penalty for every part-time waitress, so rather than risk paying all of these new fees, this
owner has instead canceled his plans to grow and expand his business.
won't work: Reason #4,566. The crisis in health care is manageable — without the radical,
extreme measures passed in the Affordable Care Act. USA Today reports that just 5% of patients account
for 50% of health care spending. And just 1% account for 22% of the spending.
than half health care deadlines missed by Obama administration. The Obama administration has failed
to meet more than half of the new health care law's deadlines, from submitting plans for new, value-based Medicare
purchasing programs to publishing criteria for determining the medically underserved. A report requested by
Sen. Tom Coburn, Oklahoma Republican, indicates that the Department of Health and Human Services and other federal
agencies missed 18 of 30 deadlines since the Affordable Care Act was passed in March 2010.
is Self Destructing. The Community Living Assistance Services and Supports (CLASS) program, a new
entitlement for long-term care that was long a dream of Ted Kennedy, was officially nixed by HHS Secretary Kathleen
Sebelius last week. "Despite our best analytical efforts, I do not see a viable path forward for CLASS
implementation at this time," she wrote in a letter to Congressional leaders. ... After 19 months of trying
to pull a rabbit out of the hat, Sebelius had to admit what critics had been saying all along — it
ObamaCare, Costs Continue To Soar. As soon as the Kaiser Family Foundation's annual report
on insurance premiums was released, ObamaCare defenders dismissed its most troubling finding:
Insurance premiums for family coverage shot up an average $1,482 this year. Nothing to worry about,
they said, it's just a response to higher health costs and bad forecasts. But wait a minute!
Didn't Obama promise his signature health reform plan would lower insurance premiums?
What We Don't Know About Health
Insurance. Advocates for universal health coverage frequently claim that they're out to improve
health and save lives. Just one problem: Despite the trillions of dollars we've spent on public health
insurance programs, there's very little strong evidence to suggest that subsidized health insurance actually
improves health. Indeed, the push for universal coverage may be preventing other, more effective health
Are Not Created Equal. Now comes the newest entitlement — the Patient Protection and
Affordable Health Care Act of 2010 (PPAHCA). Per its name, PPAHCA promises three entitlements:
1) protection and high quality; 2) access to health care; and 3) care that is affordable.
... PPAHCA does not protect patients: it increases medical errors and constrains learning. PPAHCA
spends a trillion or more dollars we don't have. No sane person would call that "affordable."
PPAHCA provides no care at all. Indeed, it reduces care.
Not Forget About Obamacare. Democrats will often get irritable when some clingy philistine refers
to Obamacare as "socialized medicine." It's simply not a precise phrase for the Patient Protection and
Affordable Care Act. In any event, it's not socialized yet, you ignoramuses! Progress doesn't
happen overnight. No worries, though, recent signs portend that Obamacare will give us the state-run
plan we proles deserve. A new study published in McKinsey Quarterly claims that in 2014, the provisions
of Obamacare will induce 3 in 10 employers to "definitely or probably" stop offering health
coverage to their employees. And we can only assume the companies have had the good sense not to
read the legislation.
out of Obamacare. Even as yet another federal court ponders the constitutionality of Obamacare,
the bad news about its impact just keeps on coming. This week a report by the respected McKinsey & Co.
found that at least 30 percent of employers are likely to stop offering their workers health insurance
as a routine benefit once the federal law kicks in.
Death Panels Won't Kill You — Unless You're Sick And Weak. ObamaCare supporters
fervently believe that science will prevail in systems that are controlled by politicians. It is
usually the unstated assumption behind their arguments defending the Independent Payment Advisory Board.
They seem to believe it so blindly that they can't see evidence to the contrary even when it is right in front
of their noses.
Used to Justify ObamaCare was a Scientific Fraud. Findings were skewed to show better performance
from countries with socialized health care systems.
Top 10 Failures of ObamaCare After One Year.
President Obama signed the Patient Protection and Affordable Care Act into law on March 23, 2010.
In just the year since, the law known as ObamaCare has already severely crippled the nation's economy and
health care system. Despite Obama's continued pride in his signature health care legislation, a new
CNN poll shows that 58% of Americans disapprove of the way Obama is handling health care.
What is the worst thing
about Obamacare? It's almost impossible to say there is one worst thing — the list is
just too long, from half a trillion in cuts to Medicare, half a trillion in new taxes, and mandates on
individuals, employers, and the medical profession to follow Washington's rules. Obamacare puts
one-sixth of our economy under government control, and yet there's absolutely no evidence that the
government will be able to manage this $2.5 trillion industry.
Runaway Trains of Bureaucracy.
ObamaCare will spawn hundreds of new bureaucracies, and every one of them will begin chugging down the tracks,
picking up steam and finding new challenges that require broader powers and increased funding. Each one
will produce a billowing cloud of paperwork to justify its existence, and acquire Congressional engineers who
believe its acceleration is a moral imperative. Demanding restraint from any bureaucracy is considered
an act of heartless cruelty to its intended beneficiaries.
Face Reduced Access to Coverage Under Obamacare. While the Senate failed last week to pass a
full repeal of Obamacare, the negative effects of the health care overhaul continue to build the case for
scrapping it and starting over. Americans were told that Obamacare would open the door to medical
coverage for all children. Those with preexisting conditions would become newly protected by a
requirement that health insurance companies "guarantee issue" to all children 19 years old and under.
No child would be denied coverage. But being able to get child-only coverage depends on the existence of
child-only policies. And under Obamacare, this is anything but certain.
Merry Christmas from
ObamaCare. ObamaCare is the gift that just keeps giving... whether you want it or not. I just
received a letter from my health insurance company informing me that they were "updating my plan to include
additional coverage." As a business owner, I directly pay for my own insurance, and last year I saw my
rates rise significantly in anticipation of the new health care law.
Obamacare Supposed to Stop Insurance Rate Hikes? Kathleen Sebelius and the DNC would have you
believe that Obamacare prevents rate hikes by cracking down on those demonic, profit-hungry insurance companies,
and that repealing the law would allow insurers to once again run amok. So, then, how to explain the news
this month that Blue Shield of California was "seeking cumulative hikes of as much as 59% for tens of thousands
of customers" this year? Wasn't PPACA supposed to stop these supposedly abusive practices?
Who Decides? The
major difficulties of Obamacare are two. Who decides how the healthcare industry should be architected or
reformed? Second, who's going to pay for it? One thing appears to be true. A Federal
Government that can't pay the piper is in a poor position to call the tune. To paraphrase Klein's
Newsweek quote, "The majority of Americans are opposed to President Obama's health-care reform plan —
until they learn the details — and then they become even more opposed when they realize the
promised details cannot be afforded." These are problems that won't go away, even if the decision is
reversed by another judge.
Littlest Victims of Obamacare. It's time for America's youth to buckle up and take a rough ride
on Reality Highway. For the past two years, President Obama has promised our children the moon, stars,
rainbows, unicorns and universal health care for all. But the White House Santa's cradle-to-grave entitlement
mandates are a spectacularly predictable bust.
Yes We Can Repeal.
The trouble with ObamaCare is that it cannot deal in the middle class. The middle class already
has health insurance. Just like HillaryCare, the fundamental fact about ObamaCare is that the middle
class is going to get stuck with the bill for the 30 million without health insurance. If you
don't understand that, I've got a bridge to sell you. Leaving aside peace and justice and compassion and
caring, the fact on the ground is that the 30 million don't need health insurance because they don't
have any assets. You can't lose your home to medical bills if you don't own a home.
The Progressive Mouse Trap. Here is
the essence of the "progressive" mousetrap in a nutshell. The President and his party seized a vast amount
of un-Constitutional power over the private sector with the health-care bill. The bill is an absolute
disaster, destroying jobs and driving up insurance costs, as the astonished members of the AARP just learned.
Its cost projections have already been revealed as transparent frauds, pushing us closer to discovering what
happens when the dying red star of our federal deficit collapses into a black hole ... but all of that doesn't
matter, according to the President, as long as half the population isn't clamoring for its repeal yet.
The Obamacare Disaster.
Earlier this year, Congress passed and President Barack Obama signed into law the "Patient Protection and
Affordable Care Act." The act's supporters said it would achieve the long-sought goal of universal
health insurance while preserving the high quality and freedom of choice that are the hallmarks of America's
health care system. Peter Ferrara says the act's supporters are wrong. "Obamacare," he writes in
the conclusion to this Heartland Policy Study, "is a disaster. Rather than liberate the American
health care system from bureaucracy and waste, it blankets it with more of both, suffocating innovation and
destroying freedom. The result is a system that is inconsistent with the freedom, prosperity, high
living standards, and traditions of the American people."
The Unraveling Of ObamaCare.
We were told everybody had to be unconstitutionally forced to buy health insurance or the plan wouldn't work.
We were told health care costs would be lower, rates wouldn't rise and that if we liked our coverage we could
keep it. We were lied to. The plan still doesn't work. What we're seeing is ObamaCare revealed
as the fraud that it is. The waivers granted leave us with an "Animal Farm" version of health care in
which everyone is equal, but the politically favored in an election year are more equal than others.
Keep the Plan You Have. President Obama clearly hasn't visited a real doctor's office recently.
If he sat on my office couch, he would immediately discover that real patients are terribly worried about how
dysfunctional and expensive all health insurance, public and private, is becoming under the new law of the
land. Of course, the problem of spiraling health-care costs and inadequate access to essential services
was already happening before, but Obamacare is making it far worse.
Thanks, Mr. President.
Well, it's official: President Obama has destroyed my health plan and those of two dozen of my employees.
Several media outlets are reporting this morning that Principal Financial, which sells health plans to the
John Locke Foundation and nearly a million Americans, will exit the health-insurance marketplace. The
company is responding to the new costs and incentives created by Obamacare...
Someone Please Kill It Before It Kills Us? A boondoggle is a "work or activity that is
wasteful or pointless but gives the appearance of having or adding value." That is a perfect description
of HR 3590, disingenuously titled the Patient Protection and Affordable Health Care Act and colloquially
known as ObamaCare. The Act cannot do what its title promises. In fact, it achieves exactly the opposite
what the president said it would do.
Kids 0, Insurance
0. This week Democrats threw a six-month birthday party for ObamaCare — and the
timing was only appropriate since it occurred at the same moment their reform annihilated a corner of the
U.S. insurance market.
ObamaCare: Care to Guess Who's in the Middle? For those who knew at the outset that
ObamaCare was a deliberate means to curtail American health care, drive costs up, and destroy the best
health care system in the world, the headline in the Modern Healthcare supplement of August 9, 2010
will come as no surprise.
Nearly Silent as ObamaCare Proponents Drop Deficit, Cost Savings Claims. It has now been five
days since Politico's Ben Smith published a powerpoint presentation created by an amalgamation of powerful
left wing interest groups, conceding that two of the central arguments for passing ObamaCare — that
it will lower the deficit and will reduce health care costs — have failed.
Dream Turned Nightmare Key provisions of the president's health care reform are about to take
effect. Don't expect any of it to be pretty. ... Tom Coburn of Oklahoma and John Barrasso of Wyoming
are the only two members of the U.S. Senate with M.D.s, and their prognosis in the report, titled "Bad Medicin:
a Check-up on the New Federal Health Law," is far from good.
A Crisis. The White House unveiled Tuesday [6/22/2010] its patients' bill of rights. It is
grossly misnamed. Though some of its provisions might help a few sick Americans, conditions will be far
worse for most.
Massachusetts Meltdown A Model For ObamaCare. During the
health care debate, President Obama claimed his proposal was similar to RomneyCare, passed in 2006 in
Massachusetts under then GOP Gov. Mitt Romney. Unfortunately, RomneyCare portends a bleak future for
the U.S. under ObamaCare. Little by little, the system is falling apart in Massachusetts under the
weight of ever-increasing costs.
Economic Myths, Fallacies and
Stupidity. Having one desire fulfilled means having another unfulfilled. For example,
there's no solution to our health care issues. Congress' health care law simply substitutes its
judgment on the delivery of medical services in the name of helping the uninsured. The tradeoff
is that Americans have less of something else such as fewer personal choices, less after-tax income
and very likely a lower quality of medical services.
Employer-Sponsored Insurance. Companies are discovering that it's cheaper to pay fines to the
government than to cover workers.
reform threatens to cram already overwhelmed emergency rooms. A chief aim of the new healthcare
law was to take the pressure off emergency rooms by mandating that people either have insurance coverage.
The idea was that if people have insurance, they will go to a doctor rather than putting off care until they
faced an emergency. People who build hospitals, however, say newly insured people will still go to
emergency rooms for primary care because they don't have a doctor.
Danger Signs. Not one of its major programs has gotten started, and already the wheels are starting to
come off of Obamacare. The administration's own actuary reported on Thursday [4/22/2010] that millions of
people could lose their health insurance, that health-care costs will rise faster than they would have if the law
hadn't passed, and that the overhaul will mean that people will have a harder and harder time finding physicians
to see them.
Presidency. So we come to ObamaCare, the program that, so we're told, will see him
carried about in a solid gold sedan chair for the rest of his life by an eternally grateful populace.
The sneak appointment of David Berwick to run the thing makes transparent a fact that was brought up
continually and just as continually dismissed during the health-care debate: that Obama wants a
duplicate of the UK National Health Service, the sole British feature that he admires. And that's
an interesting development. Because, according to studies by British health-care specialists, the
NHS kills up to 95,000 patients a year through incompetence, mistakes, and accidents. This number
is ten times the international per capita average. It is the highest in Europe, and twice that
of the U.S., with six times the population.
Rates: Engineered Chaos. President Obama's new proposal to cap insurance premiums should
be viewed with suspicion. Governmental price controls never work. In the seventies during the oil
crisis, Nixon and Carter spearheaded substantial wage and price controls aimed at hedging the U.S. economy
against rampant consumer price inflation and mass layoffs. What happened? Domestic oil companies
simply stopped producing oil to shield profits from the price caps. This reduced available supply as
consumption continued to increase, causing a spike in prices.
Alice in Health
Care. Most discussions of health care are like something out of Alice in Wonderland.
What is the biggest complaint about the current medical care situation? "It costs too much."
Yet one looks in vain for anything in the pending legislation that will lower those costs. One of
the biggest reasons for higher medical costs is that somebody else is paying those costs, whether an
insurance company or the government. What is the politicians' answer? To have more costs
paid by insurance companies and the government.
Brits' Dirty Laundry:
American health care is not British health care, at least not yet. But if Democrats get their way, this
country will rush to adopt a system much like the one that is killing people in Great Britain.
Systemic Failure. A
government that takes over 16% of our economy promising to bring us good health at a reasonable cost is an
instrument doomed to failure and at a catastrophic cost.
Brother, can you spare a dime? [Scroll down slowly] No, it was scary then for the same
reason it is scary now... Not because it is "health care" but because it is "nationalized." [M. Stanton]
Evans demonstrated in his 1976 lecture that government spending on social problems does not make them go
away; it just institutionalizes them. In fact, it ensures that the problems will never go away because
the problems become a magnet for federal dollars, and thus there is an incentive for the problems to grow
rather than shrink.
Bill Is Scary. I recently suggested that seniors will die sooner if Congress actually
implements the Medicare cuts in the health-care bill put forward by Senate Majority Leader Harry
Reid. My colleagues who defend the bill — none of whom have practiced medicine —
predictably dismissed my concern as a scare tactic.
Pelosi Health Care: Drill,
Baby, Drill. The way I see it, the Democrat health care plan is like a dentist hustling to pick up some
extra bucks. Dr. Pelosi tells you to open wide and she, with her fingers and sharp instruments in your mouth,
tells you about your "old filling" problem and says that you must have a lot of work done. In fact, Dr. Pelosi's
plan does not aim at just your old fillings, but at drilling every tooth in your mouth.
What the Failure of the "Massachusetts Model"
Tells Us about Health Care Reform: When Massachusetts passed its pioneering health care reforms
in 2006, critics warned that they would result in a slow but steady spiral downward toward a government-run
health care system. Three years later, those predictions appear to be coming true.
Government-Run Health Care: A Prescription For
Failure. A 69-part series, so far.
There's No Free Health
Care. Obama may be unaware, but there are three programs — in Maine, Massachusetts, and
Tennessee — currently testing his idea of get-more-pay-less. The evidence is already in: Expanded
health care coverage costs more, an awful lot more. There are no known exceptions.
Thought This Was All About Health Care... The all-consuming debate over health care has
effectively sucked all of the oxygen out of the policy world leaving little room for discussion, let alone
action on other major elements of the progressive agenda — or so it would seem. The mammoth
bills winding their way through Congress will certainly upend our health care sector, if they are enacted.
Little known, however, are several provisions that will provide an enormous pay-off to one of the Democrat
parties most loyal constituency — Big Labor.
Health Care? The Obama folks plan to end their Cash for Clunkers program Monday — and
good thing, since it was rap idly falling into chaos. By contrast, if Congress passes President
Obama's plan for health-care reform, Americans may be stuck with it forever. No matter
how much of a "clunker" it turns out to be. And, indeed, judging by the car-subsidy
program, ObamaCare may well be just that — if not worse.
Why Obama's Health Plan Gets It
Wrong. President Barack Obama says insurance companies make you pay too much for health
care. He wants the government to "limit how much you can be charged for out-of-pocket expenses."
Sounds great — just make the insurance companies pay more, and then health care will become
affordable. After all, that's what insurance is for, right? No. When insurance companies
pay the tab for everything — down to flu shots and sprained ankles — it makes health
care more expensive for everyone.
Slope of Health-Care Reform. Those seemingly modest changes urged by the White House ... would
necessitate a series of additional changes, each building upon the others so as ultimately to produce reform
every bit as "robust" — and every bit as lethal — as the $2-trillion government takeover
now being so loudly denounced in town halls throughout the nation.
Top 10 Reasons Obamacare Is Wrong for America:
[#1] Millions Will Lose Their Current Insurance: President Obama wants Americans to believe they can
keep their insurance if they like. Proposed economic incentives, plus a government-run health plan would
cause 88.1 million people to see their current employer-sponsored health plan disappear. [#2] Your
Health Care Coverage Will Probably Change Anyway: Even if you keep your private insurance, eventually most
remaining plans will have to conform to new federal benefit standards.
Impossible Promises. Obama says his health care
plan will cut costs and increase patient choice. It won't.
Health Care Will Make It Worse. One of the bewildering ironies of the health care debate is that
President Obama claims to be attacking the status quo when he's actually embracing it. Ever since
Congress created Medicare and Medicaid in 1965, health politics has followed a simple logic: Expand
benefits and talk about controlling costs. That's the status quo, and Obama faithfully adheres
to it. While denouncing skyrocketing health spending, he would increase it by extending government
health insurance to millions more Americans.
Obama 'Impervious to Empirical
Evidence'. For months we were told that Obama's health care reform would save money. Facts?
None. Experience (on everything from Medicare to farm subsidies to the Post Office) and common sense tell us that
if the government sets up a program and then chases the private sector out of business, it will cost more (e.g. for
medical care, food or mail service) than it did before — and much more over time than was promised.
President Obama, Hawaii, and
Dodgy Certificates. On the island of Maui, there is only one acute-care hospital, the state-run Maui Memorial
Medical Center. For years, residents of Maui have complained that the hospital does not meet their needs — too
few beds, not enough specialists, and long waits in the emergency room. State bureaucrats finally cleared the way
earlier this year for a small private hospital to be built, but only after scuttling plans to build a larger, more
accommodating private hospital. A larger hospital, they said, would have an adverse impact on "the existing
health-care system." In other words, it would compete too effectively with what is now a state-run monopoly.
for Supporters of 'ObamaCare'. The whole point of insurance is that the healthy buy it and thereby provide
the funds to pay for the sick. Demanding that insurance companies provide insurance to everyone at any time spells
the end of the concept of insurance. And if the answer is that the government will now make it illegal not to buy
insurance, how will that be enforced? How will the government check on 300 million people?
Aren't Doctors, But We Know What's Best For You. Democratic leaders say they are planning an August
"offensive" but the reality is their government takeover of health care will increase the cost of Americans' health
care, kill jobs, force millions of Americans to lose their current coverage, add hundreds of billions to the deficit,
and let government bureaucrats make decisions that should be made by doctors and patients. That is why more and
more Americans are rejecting the Democrats' approach.
The Dangers of Fannie Mae Health Care.
There is no reason to expect a Medicare-like public plan to match the administrative efficiency of Aetna, Blue
Cross-Blue Shield, Cigna, UnitedHealth Group, and WellPoint. Medicare doesn't even try. It outsources
most administrative services to the private sector. Turning to public plans like Medicare and Medicaid
for more efficient administration is a fool's errand.
Care Won't Fly. Let's look at the airline industry hypothetically as it would operate if the
government had as much control over it as it does over health care. To see how complex Medicare is we
can turn to over 130,000 pages of regulations and penalties and contrast that with the Federal Aviation
Administration (FAA) regulations numbering about 1,000 pages.
'Shock the Monkey' Healthcare.
[Scroll down slowly] To carry this analogy further, observe the neolib obsession with government-run healthcare.
On the surface, it makes no sense that people would consciously desire poorer service at a higher price, but
that will be precisely the outcome. With the exception of national defense (which is powered by patriotism
rather than the economic bottom line), government cannot do anything better or cheaper than private enterprise
in a capitalist system. Neolibs, however, will continue to pull that lever in the hopes that this time,
despite all evidence to the contrary, government will be the solution to our problems.
The Editor says...
Wait a minute. National defense isn't just "powered by patriotism." National defense is
authorized and mandated by the Constitution — medical insurance and medical care are not.
Obamaceuticals. A reimbursement
system that gives broader access to mediocre care as opposed to excellent care is not healthcare reform.
Democrats' Plan to Cost 23 Million
Americans Their Private Insurance, CBO Says. The Congressional Budget Office (CBO) reports that
a government overhaul of America's health care system would cost at least $1 trillion and would mean the
loss of private coverage for an estimated 23 million Americans, according to a preliminary analysis issued
How Obamacare Will Change Your Life:
Much of what you have long taken for granted about health care and the way it should be delivered is about to change in
ways that you definitely will not like. ... Public opinion surveys have consistently shown that most Americans consider
access and cost to be the most important problems facing the system. Perversely, the primary changes Obamacare will
bring to you and your family will be reduced access to care and significant increases in its cost.
Congress' Unhealthy Care Plan.
The CBO says a government-run health care system would cause 23 million Americans to lose private coverage, cost
$1 trillion dollars and still leave 30 million uninsured.
Health Plan Will Look Like Public Schools. In a seductive overture to private health plan
stalwarts, Obama says the government health care system will not be a mandatory substitute for private health
care preferences, only an option. Of course those who remain in a private system will face double
jeopardy — covering their own private medical costs while suffering higher federal taxes to pay for
somebody else's — in the same manner that private school parents, opting out of horrible local
public schools for far better independent alternatives, must pay private school tuition while still
shouldering ever escalating property and state income taxes to educate those poor wretches who cannot
escape the government's incompetence.
embrace of nanny government. [Scroll down] Let's say you carelessly drop Ted Kennedy's
health care plan on your foot, and it breaks your toe. In the old days, you'd go to your doctor (or,
indeed, believe it or not, have him come to you), he'd patch you up, and you'd write him a check. That's
the way it was in most of the developed world within living memory. Now, under the guise of "insurance,"
various third parties intercede between the doctor and your checkbook, and to this the government proposes
adding a massive federal bureaucracy, in the interests of "controlling costs."
The Myth of Low Cost
Obama Care. Our new President has set aside more than $600 billion dollars as a "down payment" toward
remaking the US health care system. As liberals search for a model upon which to base our new socialized system they
look toward other countries whose populations and demographic realities are very different from ours. It is very
feasible to build upon the excellent, though admittedly flawed system we currently have by adopting changes that would
reduce government mandated oppressive regulations passed on from Medicare to private insurance providers.
Government care is
an oxymoron. The surgery that Drs. Kennedy, Waxman, Miller, Rangel and Chief of Government-Run Medicine Barack
Obama propose has been done in socialist countries all over the world. Here, though, it's considered experimental. ... If
the desired results are freedom of choice, timely access to care, high quality of care, flexibility, innovation —
the things the vast majority of Americans enjoy today — plus any chance at reducing cost and bureaucracy, the
proposals the Democratic surgical team is pushing are exactly the wrong things to do.
Hello GovernmentCare, Goodbye Personal
Privacy. In the newly released Obamacare plan, section 3102 titled "Financial Integrity" makes
provision for state and federal governments to be able to investigate any medical care provider at any time.
This provision gives government the right to look at any record that a doctor has in his files and that
means your private medical information. Worse, they may do so without court approval, without a
warrant, with no cause stated.
Senators Respond to Obama on Health
Care. Mr. Obama says his plan would allow Americans to keep private coverage. But
Republicans say once a government insurance program is created, it will eventually dominate the market,
driving private insurers out of business.
Obama will destroy 'best health care system the world has ever known'. "When the government is
involved more and more in the details," Shelby said, "and you start the one-pay deal and you got the government
competing with private enterprise with all the incentives the government has and the power, they can destroy
the marketplace for health care and it will be a mistake and the American people better be careful in what
The Coming Of Zerocare.
It would be naïve to think that we are not going to see Obama and his Democratic majorities impose a form
of National Health Care (NHC) as early in this term as he can. We will most likely see this just prior to
the 2010 Congressional elections in an effort to keep his majorities by "buying" the votes of non-tax-paying
citizens but before the system collapses under the price tag of whichever format he chooses.
A Budget Plan Good Enough To
Read. The president seems determined to establish a government health program that's sure to
elbow out private plans, rob patients of their power of choice, and Frenchify American medicine. Our
inevitable entitlement crisis, festering beneath the rug under which politicians have kept it for so many
years, is entirely unaddressed in the Democrats' massive tax-and-spend plans. Congressional Republicans
have countered all this irresponsibility and deceptiveness with their own detailed budget.
Two Forms of ID and
Your Colonoscopy Report, Please. I am not ideologically opposed to EMRs [electronic medical
records]. When done well, they are much more efficient and easier to read and use. However, it
can take months to train an office in EMRs. And if the computers are down, everything stops. ... I
recently heard an expert on television claim that gathering everyone's EMRs on one big government server
will solve that sterotypical problem — the doctor with indecipherable handwriting. I have
to agree that some of these doctors must be writing with their feet. However, I employed a much
simpler remedy than taking steps toward socialized medicine. I called the doctor and asked him what
he wrote. True, there are practitioners out there who should not be allowed anywhere near a pen.
But if my records are going to be sent to Barack Obama, I'd prefer they remain illegible!
Take Two Aspirin and
Call Your Congressman in the Morning. As a nurse, I am always concerned when the government
announces it has plans for our health care, so I decided to investigate Mr. Daschle's ideas. I read his
book Critical: What We Can Do about the Health-Care Crisis. ... In the introduction, the Senator
recounts for us the many attempts by the federal government, beginning with Harry Truman, to guarantee
health care to all Americans. Since none of these attempts have succeeded, Daschle diagnoses
American health care as "broken."
Your Health With the Obama Stimulus Plan. Republican Senators are questioning whether President
Barack Obama's stimulus bill contains the right mix of tax breaks and cash infusions to jump-start the
economy. Tragically, no one from either party is objecting to the health provisions slipped in without
discussion. These provisions reflect the handiwork of Tom Daschle, until recently the nominee to head
the Health and Human Services Department. Senators should read these provisions and vote against them
because they are dangerous to your health.
Fedzilla Goes Quack. Legendary
comedian George Carlin once joked that someone in the world has an appointment tomorrow with the world's
worst doctor. With President Obama ready to unleash Fedzilla to prey upon the nation's health care
system, the American people may soon find Mr. Carlin's joke not so funny. The first rule of medicine is
to do no harm to the patient. With Fedzilla as the nation's doctor, that rule will be tossed aside as
Fedzilla brings irreparable harm, unnecessary pain, skyrocketing costs, and untold discontent to everything
its bloated, unaccountable bureaucratic hands come into contact with.
Obama's LBJ Syndrome:
As Americans listen to the smooth assurances from President Obama that his health care plan would cost
$634 billion over 10 years, a look back at how liberal assurances like these actually work
out in practice is in order. Specifically, let's take a look at the smooth assurances in 1965 from
LBJ as to the costs he saw for Medicare. Medicare, of course, was the liberal health care panacea
for seniors enacted into law by LBJ and a Democrat Congress in July of 1965 and is a fixture of today's
America. So how much was Medicare supposed to cost the American people? Promised a
solemn LBJ: $500 million a year.
coverage? First, look at the disaster in Massachusetts. To much fanfare from both right and
left in 2006, Massachusetts became the first state in the nation to require all residents to buy health
insurance. ... Then Gov. Mitt Romney, a Republican, promised that "every uninsured citizen in Massachusetts
will soon have affordable health insurance." Yet just two years later, Romney's much-heralded
"solution" — touted by many as the model for a national program — has become an
Nanny State takes our choices away. One of the key functions of modern government is to reduce,
by law, the options people have, especially when they are facing challenges to survival. A classic
example of this is socialized medicine. Like all socialist systems, government health care creates big
shortages and surpluses, beyond the reach of market correction: in this case, serious shortages of
doctors, nurses and essential equipment, balanced by huge surpluses of administration and unspecialized
Doctor Will See All of You Now. Ted Kennedy and Barack Obama are planning that the new Democratic
Congress' first order of business will be to extend the Massachusetts health-care mistake to all
50 states. ... If Kennedy succeeds in his goal of using the Massachusetts plan as a model for national
health care, average Americans will no longer get immediate access to medical care. They will have the
long waits and massive new taxpayer costs that the Massachusetts plan has produced.
Obama fiddles while health care burns. After six months of trying to keep the concept viable,
the White House is admitting what the old bulls of the Senate knew on day one. It's too expensive and
too socialist for the USA. You can have universal coverage for 9 million healthy, wealthy,
civic-minded Swedes. Doing so in a country of 310 million doughnut-munching, upward-striving,
liberty-loving Americans of every race and creed spread from Miami to Juneau is a non-starter.
ObamaCare's Prescription for Death. In a
free market health care system, the main barrier is financial, and that can be overcome far more easily than in the
socialized system where lack of resources and centralized planning combines to close off all legal options. That
is why ObamaCare would not serve to expand American's access to health care, but rather close it down.
A glimpse into
our Kafkaesque future under Obamacare. For a taste of the Kafkaesque under ObamaCare, consider
the 159 new boards, panels and programs in the 2,733 page Senate Health bill, as compiled by Senate
Republicans. These panels would be the face of ObamaCare for every aspect of every medical need of
every American. Now consider one citizen's prolonged run-in with the Social Security Administration,
as described in a Wall Street Journal account of "the sometimes-Kafkaesque process debtors can face when
challenging the validity of a claim."
White House to
Unveil List of Free Preventative Services. The Obama administration on Wednesday will unveil
new rules specifying which preventive health services will be free to consumers under the new health law.
Cancer screenings, including mammograms and colonoscopies, as well as obesity prevention services, immunizations,
blood pressure screenings and tobacco cessation services are among those that will be available to consumers
without a copayment or other direct costs for consumers on new health plans after Sept. 23.
The Editor says...
Nothing is free. If you believe that your flu shot, mammogram or colonoscopy isn't going to cost
anything because the government pays for it, you're an idiot.
You're a Liberal/Progressive if You Believe...
a health care bill which completely ignores billions of savings that would have been produced by
tort reform, collects ten years of funding for six years of spending, separates billion of dollars in
physician payments into another bill, and insures an additional thirty-two million people — Americans
and illegals alike — is really "revenue neutral."
in November. As an orthopedic surgeon, I've spent years witnessing the often slow and painful
process of healing. I've watched patients struggle to get well, facing down personal, professional and
financial challenges while fighting to recover their health. It's too bad healing in the real world
isn't as simple as healing in the political world — where it appears that a simple shift in the
wind of public opinion and a few million dollars in campaign donations mends everything.
ObamaTax At 13,000 Pages Of
New Regulations — And Counting. ObamaCare, the legislation that replaced the "We the People" of the Constitution
with the insidious phrase, "the Secretary shall determine," which appears in the bill a mind-boggling 1,563 times, is still being
written. "There's already 13,000 pages of regulations, and they're not even done yet," says Rehberg. The Orwellian-named
Affordable Health Care Act is a "delegation of extensive authority from Congress to the Department of Health and Human Services and a
lot of boards and commissions and bureaus throughout the bureaucracy," adds Matt Spalding of the Heritage Foundation. "We counted
about 180 or so."
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