Monthly Archives: April 2013

46% of U.S. adults lacked adequate health insurance for part of 2012

ku-xlarge 46% of U.S. adults lacked adequate health insurance for part of 2012.

Being “underinsured” means that the person has health care coverage where the out-of-pocket expenses in 2012 were so high that it was equivalent to being uninsured.

That still doesn’t tell me what being “underinsured” means. The follow on question is how much more would it have cost these applicants to no longer be “underinsured” and was that within their financial means?

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Obamacare and part time workers

Will Obamacare Turn America Into a Nation of Part-Time Workers? – seattlepi.com

ppaca-sign_largeOverview:

Part-time workers fall into the gray area of the PPACA in that only full-time employees of corporations numbering 50 or more persons are required to be covered. Businesses are under no obligation to offer health care benefits to part-time employees, nor will they be penalized by the federal government for not doing so. What this has done is create the impetus for a dramatic shift from full-time to part-time workforces.

Problem for part time employees: Continue reading Obamacare and part time workers

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Consumers unprepared for health care reform

Consumers unprepared for health care reform | LifeHealthPro.

Conclusion:

“It’s time for consumers to face reality,” Tillman said. “Ready or not, they are being put in control of their health insurance decisions — and that means having to make choices that could have a big impact on personal finances. If employers aren’t offering guidance to workers on how to make crucial benefits decisions, the responsibility lies in the hands of consumers to educate themselves.”

Ask questions, be prepared.

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Is Congress Trying to Exempt Itself From Obamacare?

Is Congress Trying to Exempt Itself From Obamacare? – The Daily Beast.

  Opponents have long been saying that the bill was basically one long drafting error, and now its supporters seem to be suggesting that they’re right. Have we now arrived at a point where the optimistic case for the bill that was an incredibly sloppy first draft that obviously required the active cooperation of the opposition to make it work? And if so, has this made anyone question the wisdom of passing it in the first place? If you want to get to the other side of a deep ravine, and the only way to do so is to ride a unicycle across a tightrope while juggling burning torches, maybe it’s time to rethink your goal. And if you decide to go ahead, you probably shouldn’t blame anyone else if you go down in flames.

The devils in the details.

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Obamacare’s PR Problem: Not Just a Flesh Wound | Via Meadia

Obamacare’s PR Problem: Not Just a Flesh Wound | Via Meadia.

“Confusion, total confusion.” That’s how a Michigan consumer advocate describes her state’s campaign to enroll citizens in the new Obamacare insurance plans. Mass uncertainty about the details of the ACA and a flurry of negative stories in the press have sent the law’s supporters scurrying across the country to educate the public before October 1, when open enrollment in the new insurance plans starts. The NYT reports:

Follow the link.

Repeat after me, “not just a flesh wound.”

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President must address Obamacare ‘train wreck’

President must address Obamacare ‘train wreck’ | The Great Debate.

When even a key architect of Obamacare says the law’s implementation will resemble a “train wreck,” it is clear that its biggest remaining supporters need to finally level with the American people about what’s in store — starting with President Barack Obama.

The president must step into the breach and explain to the public that skyrocketing premiums and a raft of new taxes, penalties and fees are coming their way.

Not holding my breath.

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Lawmakers, aides may get Obamacare exemption

Lawmakers, aides may get Obamacare exemption –  POLITICO.com.

Do these politicians have no brains at all?

Congressional leaders in both parties are engaged in high-level, confidential talks about exempting lawmakers and Capitol Hill aides from the insurance exchanges they are mandated to join as part of President Barack Obama’s health care overhaul, sources in both parties said.

A source close to the talks says: “Everyone has to hold hands on this and jump, or nothing is going to get done.”

Oh you betcha! Continue reading Lawmakers, aides may get Obamacare exemption

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Governments may push workers to health exchange

My Way News – Governments may push workers to health exchange.

In a move that would capitalize on provisions under President Barack Obama’s health care law but could cost the federal government millions of dollars, Washington state lawmakers have found a creative way to pass a large chunk of their health care expenses along to Washington, D.C. – and analysts say others are likely to follow suit.

The plan threatens to affect the federal budget and the pocketbooks of some part-time workers, as it would push a group of employees out of their current health care plans and into an exchange developed under the Affordable Care Act.

Washington State is basically giving employees making between 20 – 30 hours a week a pay raise to go on the exchange. The end results is tne state saves $120 million over 2 years. Continue reading Governments may push workers to health exchange

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Followup on Opthamologist walk out of Obamacare talk

Kris Held MD tweets:  Drs are literally walking out of this talk on implementing, complying with Obamacare. We are men and women of the mind, not mindless drones.

Stuart Varney of Fox Business News follows up with Dr. Held:

 

Kris Held MD tweets: Drs are literally walking out of this talk on implementing, complying with Obamacare. We are men and women of the mind, not mindless drones.

Stuart Varney of Fox Business News follows up:

 


Money is taken away from the seniors, taken away from procedures they need like treatment for their macular degeneration, their cataract surgery and funneled to other parts parts of the law. And so I believe that it’s going to result in the rationing of care, the denial of care based on a patient’s age, based on their disabilities.

 

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Insurers to exchange: You’re not my regulator

Well good for them. The insurance companies already have enough regulators without some exchange asshats on a power trip causing them grief.

Oh and I’m looking forward to this, but at least we get a year to prepare:

QHPs will not have to start asking enrollees to volunteer sensitive information, such as information about “race, ethnicity, sexual orientation, gender identity and disability status” until 2015.

QHPs will have to start asking enrollees for that information in 2015, because “reducing health disparities is a key goal,” staffers said.

QHP = Qualified Health Plan

There’s a simple answer to these questions and that is: “None of your effing business”. In fact my primary care doctor and I will have that discussion on my next visit.

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Thanks, Obamacare! Young Adults Will Benefit Most From Tax Credits

Thanks, Obamacare! Young Adults Will Benefit Most From Tax Credits – Yahoo! News.

But some reassuring news came out last week from FamiliesUSA, a health advocacy group, showing that the majority of people who can receive tax credits to help offset the cost of their new premiums under the law are between the ages of 18 to 34.

Be aware that tax credits (subsidy) has nothing to do with your age but your income.

You definitely won’t be alone if you need a little help paying for your insurance. FamiliesUSA reported that nearly 26 million Americans will be eligible for new premium tax credits in 2014. And those with an annual income between $47,100 and $94,200 (for a family of four; incomes between 200 and 400 percent of the federal poverty level) will make up about 56 percent of those eligible for the tax credits.

To see if you are in the “subsidy range” I’ve added a table for (almost) all family sizes to this blog under the resoures tab.

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