THIS IS A LITTLE LONG BUT IT GIVES YOU A LOOK BEHIND OBAMCARE—BRACE YOURSELVES
Rod Coons and Florence Peace, a healthy couple in Indianapolis, spend only $500 every year on medical care and say their current health plan works well for them – but Obamacare will soon strip them of that contentment, forcing them to pay soaring rates and accept inferior care because their existing plan isn’t “government approved.”
And they aren’t alone. Many Americans don’t realize their health plans won’t meet Obamacare standards next year, experts warn. Obama promised his health plan would improve coverage, lower premiums by $2,500 per family and allow Americans to keep their doctors and health plans, but a crushing mountain of evidence is indicating otherwise. Given the more than 50 major problems WND has documented, all of President Obama’s promises appear either highly in question or unlikely to happen, more than three years after his Affordable Care Act was signed into law March 23, 2010.
The most recent glitch is a significant one: The administration’s decision to delay the caps on out-of-pocket expenses is a large part of what is supposed to make the Affordable Care Act affordable. No caps on out-of-pocket expenses means insurance customers will have to pay more for co-payments and deductibles and insurance companies will be required to pay less.
no guarantee Americans will keep their doctors, Americans may lose their health plans, worsening health care, higher premiums, higher taxes, budget deficit increase, hiring freezes, slashed workers’ hours, killing existing jobs, killing new jobs, jobs already killed, 1,200 business waivers, higher Medicare costs, seniors may lose Medicare, most Americans don’t want it.
Americans may lose their doctors: “if you like your doctor or health care plan, you can keep them.” “Depending on the plan you choose in the Marketplace, you may be able to keep your current doctor.” Depending on the type of policy you buy.
Americans may lose their health plans: “you can keep your health plan,” ” but customers with high deductibles are now discovering their insurance plans do not qualify as “government approved”, so they will be required to change plans.
Worsening health care: as many as 75 percent of health plans will be affected by the so-called “Cadillac tax”, their plan is going to be more expensive and they will have fewer benefits. The Times predicts those patients can expect to visit clinics instead of doctors.
Higher premiums: Obama claimed his program “would save the average family $2,500 on their premiums,” a Wall Street Journal study revealed premiums for healthy people could actually double, or even triple.
Higher taxes: The Heritage Foundation found 20 new or increased taxes in Obamacare.
Budget deficit increase: The GAO reports Obamacare will increase the long-term federal deficit by $6.2 trillion.
Hiring freezes: A Gallup poll found more than 40 percent of small businesses have frozen hiring because of Obamacare
Slashed workers’ hours: U.S. Chamber of Commerce found half of small businesses affected by Obamacare plan to either replace their current full-time workers with part-timers or cut their workers’ hours because of the law’s requirements.
Killing existing jobs: The same survey found 24 percent of small businesses plan to cut staff to less than 50 to avoid paying penalties for not providing health insurance.
Killing new jobs: One-third of employers cited the uncertainty of Obamacare’s costs and regulations as the biggest obstacle to hiring more workers.
Jobs already killed: Layoffs have already been attributed to Obamacare.
More than 1,200 business waivers: HHS acknowledged issuing businesses more than 1,200 waivers from parts of Obamacare by January 2012. After that, the department stopped updating the total number of waivers,.
Higher Medicare costs: A Heritage Foundation analysis found Obamacare will force seniors to suffer higher out-of-pocket expenses over the next five years.
Seniors may lose Medicare: Another Heritage Foundation study determined, “Many seniors will experience a reduction in their Medicare Advantage benefits or even a loss of their existing plan.”
Americans reject Obamacare: A CBS News poll found 54 percent of Americans disapprove of the health-care law.
Fewer insurance companies: Businesses providing health insurance dropped from 59 percent to 52 percent from 2000 to 2011.
Fewer insurance choices: Two major health care providers, United Healthcare and Aetna, stopped providing coverage in California because of Obamacare’s requirements.
Basic health plan delayed: The administration postponed until after the 2014 election the health program for low-to-moderate income people who don’t qualify for expanded Medicaid.
Early retiree program broke: A plan intended to insure early retirees between ages 55 and 65, and their dependents, until government-run exchanges are in place quickly ran out of money. By December 2011, the program had spent its $5 billion budget and stopped paying any claims – two years before it was supposed to end.
High-risk pools failing: The administration cut payments to doctors and hospitals before it ran out of money to fund the pre-existing condition insurance plan for people with cancer, heart disease and other serious conditions. HHS Secretary Kathleen Sebelius simply announced, “health care facilities and providers will get paid less”.
Insurance co-ops failing: The Inspector General for HHS reported most of the 24 health care cop-ops created under Obamacare are in danger of running out of money before they even provide health insurance.
Uninsured children: Major health insurance companies, including Anthem Blue Cross and Aetna, decided to stop selling new policies for children rather than comply with the law now forbidding them from rejecting children with pre-existing medical conditions.
Union opposition: The leaders of three major U.S. unions (including the Teamsters), which strongly supported Obamacare, now warn Democratic leaders that unless the health-care law undergoes major changes, it will “destroy the very health and well-being of our members along with millions of other hardworking Americans.” It will also “destroy the foundation of the 40-hour work week
Patients expect worsening care: A Rasmussen poll finds 61 percent of Americans expect health care to get worse.
Doctors expect worsening care: Many doctors fear they will be unable to continue private practice because of low reimbursement rates from Medicaid and Medicare and will end up working for a corporation hospital, will be punished in that system if they spend too much time with a patient or provide too much treatment.
Small business plan delayed: The administration delayed implementation of a program designed to provide affordable health insurance to small businesses, a program the New York Times called “a major selling point for the health-care legislation.”
Losing the mainstream media: NBC has discovered Obamacare will cause some people to lose income, others to lose their jobs and some to lose their insurance, they’d be cutting back hours for some employees”
Death panels confirmed: Howard Dean confirmed the Independent Payment Advisory Board, or IPAB, “is essentially a health-care rationing body” that will “be able to stop certain treatments its members do not favor by simply setting rates to levels where no doctor or hospital will perform them.” The rationing board will decide whether or not some patients get potentially life-saving treatments.
Growing Democratic Party opposition: 22 elected Democrats at the federal level now back the repeal of the Independent Payment Advisory Board. (The American Medical Association, the American Hospital Association and the pharmaceutical lobby also support repeal of the IPAB.)
Medicare cuts delayed: The administration is spending billions to postpone cuts to Medicare until after the 2014 election.
States resist Medicaid expansion: Following the Supreme Court’s ruling allowing states to opt out of Medicaid expansion, 24 states are moving toward expanding the program and 21 states are not.
Insurance exchanges unwanted: Most states have declined to create their own insurance exchanges and are letting Washington create a federally run exchange for them. A full 27 states are opting for the federal exchange while only 17 states are creating their own exchanges.
Bypassing Congress to change law: The Obama administration used the IRS to unilaterally rewrite the health-care law to fix a problem it did not anticipate, Obamacare authorized tax credits and subsidies for the purchase of qualifying health insurance plans in state-run exchanges (Section 1311) but not federal ones (Section 1321). So, in May 2012, the administration simply had the IRS issue a rule to authorize tax credits and subsidies in federal exchanges.
Congress investigates key rule: The chairmen of the House Ways and Means Committee and the House Oversight and Government Reform Committee announced in January they would investigate and hold hearings on the IRS rule allowing federal exchanges under Obamacare to issue tax credits and subsidies, the administration directed the IRS to unilaterally change the law without involving Congress in May 2012.
Judge OKs suit against HHS: A federal judge rejected the federal government’s motion to dismiss Oklahoma v. Sebelius. Oklahoma is challenging the legality of the IRS regulation giving tax credits to federal exchanges under Obamacare.
Critical deadlines missed: A GAO report says critical deadlines to create a federal exchange have been missed, suggesting “a potential for challenges going forward.”
Doctors fleeing and opting out: The Wall Street Journal found Obamacare is causing fewer doctors to treat Medicare and Medicaid patients. The number of doctors opting out of Medicare has nearly tripled from three years earlier. Even fewer are accepting new Medicaid patients, many doctors will retire earlier than planned.
Fewer doctor and hospital choices: health insurance companies are cutting costs by selecting health-care plans that reduce the number of doctors and hospitals available to customers.
HHS mandate challenged: it would force employers to provide contraceptives and abortion-inducing drugs.
Employer mandate delayed: The mandate requiring employers with 50 or more employees to provide health coverage has been postponed until after the 2014 election. Unions complain it is most unfair to require employees,.
IRS “honor” system open to fraud, abuse: Because the employer mandate is delayed but not the individual mandate, the government has no way to determine whether employees of businesses with 50 or more workers are eligible for subsidies. So, individuals will be on the “honor system” to report their insurance status to the IRS and whether they are eligible for subsidies. That leaves the door open for potential widespread fraud and improper subsidy payments.
Fewer child-only plans: children who are not eligible for Medicaid, the State Children’s Health Insurance Program (SCHIP), or high risk pools have fewer plans to choose from, and in many states are no longer able to obtain insurance coverage under child-only plans.”
Schools can’t afford insurance: Schools have already begun cutting hours to avoid paying insurance for substitute teachers and support staff such as classroom aides, cafeteria workers and bus drivers. Obamacare requires employers to offer health coverage to all employees who work an average of 30 or more hours per week each month, or else pay a fine.
Young people expected to opt out: Obamacare needs enough healthy people ages 18-34 to join health insurance exchanges to “cross-subsidize” people who are older and not as healthy. Younger people will have a financial incentive to instead pay the individual mandate penalty of $95 or one percent of income. Approximately 3.7 million of those ages 18-34 will be at least $500 better off if they forgo insurance and pay the penalty. More than 3 million will be $1,000 better off if they go the same route.
Identity theft risks: The California insurance commissioner warns that poor screening of those helping people sign up for Obamacare could lead to identity theft and fraud.
Obamacare con artists: “a dream come true for rip-off artists.” Scam artists are setting up fake health-care exchanges on the Internet, enticing victims to enter their personal financial information.
Public option failure: The public option would have provided a government-run insurance agency to compete with private insurers. The Department of Health and Human Services admitted in 2011 it would not work; then Congress repealed the program.
Employee free choice repealed: The plan would have allowed 300,000 employees to choose their own insurance coverage, using employer-financed vouchers.
49) Obama exempts Congress and staff: President Obama personally negotiated an exemption from the health-care law for members of Congress and their staff. They reportedly will have 75 percent of their health insurance costs paid by the government. That circumvents an amendment by Sen. Chuck Grassley, R-Iowa, put into law, and expressly designed, to ensure Congress lives under Obamacare, just as the rest of the nation must.
Federal workers don’t want Obamacare: According to a survey of 2,500 federal employees and retirees, 92.3 percent do not want to be forced into Obamacare. Only 2.9 percent want to make the change.
THERE YOU HAVE IT IN A NUTSHELL.
SOURCES: wnd, grth kant, healthcare.gov, nyt, wsj, politifact, gao, heritage, gallup, us chamber of commerce, hhs, cobs, Rasmussen, nbc, cnbc.
THIS IS A LITTLE LONG BUT IT GIVES YOU A LOOK BEHIND OBAMCARE—BRACE YOURSELVES