Oct 24, 2013 by

ihSi_lBFXEisby Donna Garner




Why did Obama decide to have a press conference on 10.21.13 over the Obamacare health exchange roll-out problems instead of going to the golf course for his 153rd game of the year?  He had to use his “campaign rally” style to try to energize the young, healthy individuals in their mid-20’s to sign up for the exchanges because they are needed to pay for the uninsured and/or unhealthy masses.



Problem:  If the techie-generation cannot sign up easily on the online health exchanges, they will not sign up at all.





Why are millions of people who already buy their own healthcare policies being notified that their policies are being cancelled?  Companies that are barely scraping by under Obama’s troubled economic policies and that operate with a low profit margin cannot afford to provide the kind of healthcare coverage that Obamacare mandates. (10.23.13 – “Millions of Americans Are Losing Their Health Plans Because of Obamacare” – by John McCormack — The Weekly Standard — http://www.weeklystandard.com/blogs/millions-americans-are-losing-their-health-plans-because-obamacare_764602.html )



Therefore, whether companies want to do so or not, they are being forced either to cancel their employees’ policies (which will force many of them into the healthcare exchanges), or they are requiring employees to re-enroll at a much higher premium rate. (10.18.13 — http://www.nbcnews.com/health/thousands-get-health-insurance-cancellation-notices-8C11417913 ).






Obamacare is almost totally dependent financially upon the young and healthy generation to sign up for the health exchanges to put money into the federal coffers to subsidize everyone else.  I cannot imagine how the Obamacare navigators will possibly be able to convince young people to take money out of their paychecks when they are already struggling to make ends meet.  Obviously, it will be cheaper to pay the fine.



Recently Rush Limbaugh asked his accountant how the IRS would collect the fines from those who refuse to purchase healthcare.  His accountant said, “According to the law, the only way that the government can collect the fine or penalty for you not buying insurance is if you are owed a tax refund.  If you do not owe a tax refund, they cannot go into your bank account or anywhere else and get that money.”



If the government is not able to collect these fines readily, then our national debt will climb exponentially as the rest of us struggle to pay for the millions of uninsured who are eligible for Obamacare.



One of the most troubling aspects of the healthcare exchanges is that people are required to give the government their personal information FIRST to set up a file before they are allowed to see the various rate plans.  This is by design.  The government is afraid if people see right up front how expensive the plans are, they will not continue setting up their files:

“…the cheapest plan offered in a given state, under Obamacare, will be 99 percent more expensive for men, and 62 percent more expensive for women, than the cheapest plan offered under the old system. And those disparities are even wider for healthy people.” — 10.14.13 – “Obamacare’s Website Is Crashing Because It Doesn’t Want You To Know How Costly Its Plans Are” – by Avik Roy – Forbes Magazinehttp://www.forbes.com/sites/theapothecary/2013/10/14/obamacares-website-is-crashing-because-it-doesnt-want-you-to-know-health-plans-true-costs/



The tech editor at The Daily Caller reported on 10.22.13 that by using a Chrome browser plug-in, he was able to determine that any user who visits the Obamacare website will have “15 different sites via cookies installed on their browsers.”

( http://dailycaller.com/2013/10/22/15-sites-track-healthcare-gov-visitors/  )



The Wall Street Journal reported on 10.18.13 that people who finally were able to get through the healthcare exchange sign-up were not actually signed up for anything because much of the data sent by the exchange to the insurance companies is unreliable and/or inaccurate . “Emerging errors include duplicate enrollments, spouses reported as children, missing data fields and suspect eligibility determinations.”  One person in Ohio was found to have signed up for three plans.


On Oct. 21, 2013, Kaiser Health News reported that hundreds of thousands of Americans have already received cancellation notices on their policies. Most of these people have carried healthcare for many years:

…’cancellation notices, which began arriving in August, have shocked many consumers in light of President Barack Obama’s promise that people could keep their plans if they liked them,’ according to Kaiser Health News reporters Anna Gorman and Julie Appleby.

Florida Blue, for example, is terminating about 300,000 policies, about 80 percent of its individual policies in the state. Kaiser Permanente in California has sent notices to 160,000 people – about half of its individual business in the state. 

Insurer Highmark in Pittsburgh is dropping about 20 percent of its individual market customers, while Independence Blue Cross, the major insurer in Philadelphia, is dropping about 45 percent,’  Kaiser reports. 

Blue Shield of California sent roughly 119,000 cancellation notices out in mid-September, about 60 percent of its individual business.  About two-thirds of those policyholders will see rate increases in their new policies,’ said spokesman Steve Shivinsky.




Many of the people on the health exchanges have never had health insurance before. Even though some of these people will qualify for federal tax credits, they think since they will be paying premiums that their healthcare expenses will all be covered. Not so.


The four health exchange plans are Bronze, Silver, Gold, and Platinum. All four cover the same benefits and have the same out-of-pocket cap on expenses for a year – $6,350 for an individual, $12,700 for families. It is the amount of the monthly premiums among the four plans that varies.


What these “newbies” do not realize is that if they decide on the Bronze plan with the lowest premium, only 60% of the person’s medical costs on the average will be covered; and they will have to pay out of their pockets for the difference up to the annual out-of-pocket cap ($6,350 a year in out-of-pocket expenses for an individual, $12,700 for families).


The Platinum plan has the highest premiums, but it still covers only 90 % of the costs – still leaving 10% (up to the yearly cap) to be paid by the patient.


This will be a huge shock to the “newbies” who think that once they pay their monthly premiums, everything else will be covered.


It will be possible for a few of these “newbies” to get tax credits along with the out-of-pocket costs, but only people who choose at least a Silver plan will be able to apply for cost-sharing subsidies. Those who choose the lowest monthly premium plan (Bronze) will not be able to apply for cost-sharing subsidies.



Donna Garner


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