"The Obamacare implosion is worse than you think"

and if you dont meet the deductible, you end up payling out of pocket, like you did before, and you now have an oh so fun monthly payment the government is forcing you to make. Or you can pay a penalty, which the government is then forcing you to pay.

Progressives seem to only like force when it is used against the countries own citizens.

Why of course. It's Oblama's fault that we must have auto insurance or face a penalty, no mortgage insurance, like hell, you are forced to have it.

Exactly what is the penalty for not having auto insurance? Mortgage insurance? Demanded by mortgage companies to secure their interests. Don't want to pay auto insurance, don't operate a vehicle on public streets, or at the very least, don't be involved in an accident. Don't like mortgage insurance, don't buy a home. Neither are forced by government. Government mandated "health" insurance? Yeah, don't get sick if you can't afford it, but you will still be required to make your monthly payments or else face fines. In other words, you will pay, one way or another, you WILL pay.

Actually, auto insurance is required by law. OR, you can simply provide proof you can pay for the worst possible liability.

The penalty depends on the extent of damage. Same is true of health care bills. A cold might cost you the cost of some cough syrup but if your child has leukemia, how would you pay that bill?

And yes, sick or hurt or well, you have to pay your bills. Sorry 'bout that.
 
How can this kind of thing be made right? Is Obama going to try? How much will it cost the taxpayers if Obama even is willing to try? And don't tell me how much was lost in 2008. The market crash was not done on purpose. The destruction happening under the "Affordable Care Act" was inflicted with great deliberation and much fanfare.


WZZM-MI: ObamaCare Forcing Michigan Couple To Pay Yearly Deductible Twice - YouTube

This is not a change wrought by the ACA, in individual health insirance this has been standard for some time.

No matter how many are in the family it has always been a max of two for a family in a calendar year.

Thank you Roo.
 
From the opinion piece:



The author seems to be ignorant of the fact that the Bronze plans are the ones which have the high deductibles. The Silver and Gold plans are the ones with subsidies. He's conflating the different plans.

The Bronze plans are for the voluntarily uinsured who are mandated to buy insurance but don't want to pay a lot.

If you are voluntarily uninsured, you have an infinite deductible, so a $5,000 Bronze plan deductible is far less painful should you get ill.

and if you dont meet the deductible, you end up payling out of pocket, like you did before, and you now have an oh so fun monthly payment the government is forcing you to make. Or you can pay a penalty, which the government is then forcing you to pay.

Progressives seem to only like force when it is used against the countries own citizens.

Why of course. It's Oblama's fault that we must have auto insurance or face a penalty, no mortgage insurance, like hell, you are forced to have it.

Typical idiot moonbat. Everyone does not have to have car or mortgage insurance.

Only a true tool would keep bringing this foolishness up.
 
Note to moonbats. Auto and mortgage insurance are required by law because you are purchasing insurance which covers somebody else. Either the person you hit, or the bank you borrowed the money from. You are not being required to purchase insurance for yourself, which makes sense after about 5 seconds of thought. Obamacare on the other hand is requiring you to purchase insurance for yourself. Which does not make sense no matter how long you think about it
 
Why of course. It's Oblama's fault that we must have auto insurance or face a penalty, no mortgage insurance, like hell, you are forced to have it.

Exactly what is the penalty for not having auto insurance? Mortgage insurance? Demanded by mortgage companies to secure their interests. Don't want to pay auto insurance, don't operate a vehicle on public streets, or at the very least, don't be involved in an accident. Don't like mortgage insurance, don't buy a home. Neither are forced by government. Government mandated "health" insurance? Yeah, don't get sick if you can't afford it, but you will still be required to make your monthly payments or else face fines. In other words, you will pay, one way or another, you WILL pay.

Actually, auto insurance is required by law. OR, you can simply provide proof you can pay for the worst possible liability.

The penalty depends on the extent of damage. Same is true of health care bills. A cold might cost you the cost of some cough syrup but if your child has leukemia, how would you pay that bill?

And yes, sick or hurt or well, you have to pay your bills. Sorry 'bout that.

But only if you aren't on government subsidies. That's what makes this system unsustainable.
 
Note to moonbats. Auto and mortgage insurance are required by law because you are purchasing insurance which covers somebody else. Either the person you hit, or the bank you borrowed the money from. You are not being required to purchase insurance for yourself, which makes sense after about 5 seconds of thought. Obamacare on the other hand is requiring you to purchase insurance for yourself. Which does not make sense no matter how long you think about it

If you do not own a car you are not required to have auto insurance. If you don't own a home you aren't required to have either homeowners OR mortgage insurance. If auto insurance were handled like obamacare, everyone would have to have auto insurance whether or not they own a car or could even drive, just to cover the reduced auto insurance for uninsured drivers.

obamacare is a one size fits all policy. Everyone has the same coverage. A 55 year old woman who has gone through menopause and a 30 year old single man are both required to have contraception, maternity and newborn care policies to pay for that care for those who would like to have it. Dimwitocrats find this ultimately FAIR, because everyone is treated EQUALLY.
 
Note to moonbats. Auto and mortgage insurance are required by law because you are purchasing insurance which covers somebody else. Either the person you hit, or the bank you borrowed the money from. You are not being required to purchase insurance for yourself, which makes sense after about 5 seconds of thought. Obamacare on the other hand is requiring you to purchase insurance for yourself. Which does not make sense no matter how long you think about it

If you do not own a car you are not required to have auto insurance. If you don't own a home you aren't required to have either homeowners OR mortgage insurance. If auto insurance were handled like obamacare, everyone would have to have auto insurance whether or not they own a car or could even drive, just to cover the reduced auto insurance for uninsured drivers.

obamacare is a one size fits all policy. Everyone has the same coverage. A 55 year old woman who has gone through menopause and a 30 year old single man are both required to have contraception, maternity and newborn care policies to pay for that care for those who would like to have it. Dimwitocrats find this ultimately FAIR, because everyone is treated EQUALLY.

That is basically the whole concept in a nutshell.
 
Note to moonbats. Auto and mortgage insurance are required by law because you are purchasing insurance which covers somebody else. Either the person you hit, or the bank you borrowed the money from. You are not being required to purchase insurance for yourself, which makes sense after about 5 seconds of thought. Obamacare on the other hand is requiring you to purchase insurance for yourself. Which does not make sense no matter how long you think about it

If you do not own a car you are not required to have auto insurance. If you don't own a home you aren't required to have either homeowners OR mortgage insurance. If auto insurance were handled like obamacare, everyone would have to have auto insurance whether or not they own a car or could even drive, just to cover the reduced auto insurance for uninsured drivers.

obamacare is a one size fits all policy. Everyone has the same coverage. A 55 year old woman who has gone through menopause and a 30 year old single man are both required to have contraception, maternity and newborn care policies to pay for that care for those who would like to have it. Dimwitocrats find this ultimately FAIR, because everyone is treated EQUALLY.

That is basically the whole concept in a nutshell.
Marty, do you truly think that Insurance companies priced their insurance on the basis that ALL those on the plan will have baby birthing coverage? these are actuaries for goodness sakes and they don't take risks with their estimates....

I am certain they KNOW that women are 50% of the population or there abouts,and "x" amount of them are in birthing age etc, and have used these figures to estimate the cost of the coverage...same with those in the nation with preexisting conditions, they have estimated how many there will be based on the factual and actual numbers and trends they have before them to make these judgements....

AS WITH ALL coverage on any and all plans....it's how many will need "x operations" or how many will need "y medicines for diabetes" and they prorate the cost of these diseases or operations or whatever, over the full policy holders in the plan...

THIS IS HOW INSURANCE WORKS....Marty....all insurance.

Just as there are no women with Prostate cancer, and no men with vaginal or ovarian cancer, yet the man and or woman, still has that "coverage" on the family plan...

and also, in the case of 100% paid B/C coverage, some states had made it mandatory long before Obamacare and in the end, NO policy hike was needed in order to give this birth control coverage, because less women got pregnant and less women needed those type of services, so it all ended up being a wash....no increase in medical costs for b/c coverage on insurance.
 
Last edited:
Obamacare's Website Is Crashing Because It Doesn't Want You To Know How Costly Its Plans Are - Forbes


A growing consensus of IT experts, outside and inside the government, have figured out a principal reason why the website for Obamacare’s federally-sponsored insurance exchange is crashing. Healthcare.gov forces you to create an account and enter detailed personal information before you can start shopping. This, in turn, creates a massive traffic bottleneck, as the government verifies your information and decides whether or not you’re eligible for subsidies. HHS bureaucrats knew this would make the website run more slowly. But they were more afraid that letting people see the underlying cost of Obamacare’s insurance plans would scare people away.

....
 
If you do not own a car you are not required to have auto insurance. If you don't own a home you aren't required to have either homeowners OR mortgage insurance. If auto insurance were handled like obamacare, everyone would have to have auto insurance whether or not they own a car or could even drive, just to cover the reduced auto insurance for uninsured drivers.

obamacare is a one size fits all policy. Everyone has the same coverage. A 55 year old woman who has gone through menopause and a 30 year old single man are both required to have contraception, maternity and newborn care policies to pay for that care for those who would like to have it. Dimwitocrats find this ultimately FAIR, because everyone is treated EQUALLY.

That is basically the whole concept in a nutshell.
Marty, do you truly think that Insurance companies priced their insurance on the basis that ALL those on the plan will have baby birthing coverage? these are actuaries for goodness sakes and they don't take risks with their estimates....

I am certain they KNOW that women are 50% of the population or there abouts,and "x" amount of them are in birthing age etc, and have used these figures to estimate the cost of the coverage...same with those in the nation with preexisting conditions, they have estimated how many there will be based on the factual and actual numbers and trends they have before them to make these judgements....

AS WITH ALL coverage on any and all plans....it's how many will need "x operations" or how many will need "y medicines for diabetes" and they prorate the cost of these diseases or operations or whatever, over the full policy holders in the plan...

THIS IS HOW INSURANCE WORKS....Marty....all insurance.

Just as there are no women with Prostate cancer, and no men with vaginal or ovarian cancer, yet the man and or woman, still has that "coverage" on the family plan...

and also, in the case of 100% paid B/C coverage, some states had made it mandatory long before Obamacare and in the end, NO policy hike was needed in order to give this birth control coverage, because less women got pregnant and less women needed those type of services, so it all ended up being a wash....no increase in medical costs for b/c coverage on insurance.

Marty, do you truly think that Insurance companies priced their insurance on the basis that ALL those on the plan will have baby birthing coverage?

Sorry, but it is true the risk is spread to EVERYONE who buys a compliant plan.
 
That is basically the whole concept in a nutshell.
Marty, do you truly think that Insurance companies priced their insurance on the basis that ALL those on the plan will have baby birthing coverage? these are actuaries for goodness sakes and they don't take risks with their estimates....

I am certain they KNOW that women are 50% of the population or there abouts,and "x" amount of them are in birthing age etc, and have used these figures to estimate the cost of the coverage...same with those in the nation with preexisting conditions, they have estimated how many there will be based on the factual and actual numbers and trends they have before them to make these judgements....

AS WITH ALL coverage on any and all plans....it's how many will need "x operations" or how many will need "y medicines for diabetes" and they prorate the cost of these diseases or operations or whatever, over the full policy holders in the plan...

THIS IS HOW INSURANCE WORKS....Marty....all insurance.

Just as there are no women with Prostate cancer, and no men with vaginal or ovarian cancer, yet the man and or woman, still has that "coverage" on the family plan...

and also, in the case of 100% paid B/C coverage, some states had made it mandatory long before Obamacare and in the end, NO policy hike was needed in order to give this birth control coverage, because less women got pregnant and less women needed those type of services, so it all ended up being a wash....no increase in medical costs for b/c coverage on insurance.

Marty, do you truly think that Insurance companies priced their insurance on the basis that ALL those on the plan will have baby birthing coverage?

Sorry, but it is true the risk is spread to EVERYONE who buys a compliant plan.
sure, as with all ailments....the calculated and ascertained risk is spread to everyone...the healthy pay for the sick... as well, a known fact....it is how insurance works...you pay for me and I pay for you if one of us gets sick or needs hospitalization etc...

but the men known to be in the pool are known to not be in need for any labor and delivery care...it's not like the insurance company raises everyone's plan because all in the plan are in need of labor and delivery coverage...they only raise the plan by the percentage of women in child bearing years that could possibly have a child and then pro-rate it amongst all.


Just like our plans covering diabetes, or prostate cancer, or vaginal cancer...not all of us will ever face any of those conditions, but our plan policy covers them all....
 
Marty, do you truly think that Insurance companies priced their insurance on the basis that ALL those on the plan will have baby birthing coverage? these are actuaries for goodness sakes and they don't take risks with their estimates....

I am certain they KNOW that women are 50% of the population or there abouts,and "x" amount of them are in birthing age etc, and have used these figures to estimate the cost of the coverage...same with those in the nation with preexisting conditions, they have estimated how many there will be based on the factual and actual numbers and trends they have before them to make these judgements....

AS WITH ALL coverage on any and all plans....it's how many will need "x operations" or how many will need "y medicines for diabetes" and they prorate the cost of these diseases or operations or whatever, over the full policy holders in the plan...

THIS IS HOW INSURANCE WORKS....Marty....all insurance.

Just as there are no women with Prostate cancer, and no men with vaginal or ovarian cancer, yet the man and or woman, still has that "coverage" on the family plan...

and also, in the case of 100% paid B/C coverage, some states had made it mandatory long before Obamacare and in the end, NO policy hike was needed in order to give this birth control coverage, because less women got pregnant and less women needed those type of services, so it all ended up being a wash....no increase in medical costs for b/c coverage on insurance.

Marty, do you truly think that Insurance companies priced their insurance on the basis that ALL those on the plan will have baby birthing coverage?

Sorry, but it is true the risk is spread to EVERYONE who buys a compliant plan.
sure, as with all ailments....the calculated and ascertained risk is spread to everyone...the healthy pay for the sick... as well, a known fact....it is how insurance works...you pay for me and I pay for you if one of us gets sick or needs hospitalization etc...

but the men known to be in the pool are known to not be in need for any labor and delivery care...it's not like the insurance company raises everyone's plan because all in the plan are in need of labor and delivery coverage...they only raise the plan by the percentage of women in child bearing years that could possibly have a child and then pro-rate it amongst all.


Just like our plans covering diabetes, or prostate cancer, or vaginal cancer...not all of us will ever face any of those conditions, but our plan policy covers them all....

Bingo.

I admire well thought out resonses, thank you.
 
Marty, do you truly think that Insurance companies priced their insurance on the basis that ALL those on the plan will have baby birthing coverage? these are actuaries for goodness sakes and they don't take risks with their estimates....

I am certain they KNOW that women are 50% of the population or there abouts,and "x" amount of them are in birthing age etc, and have used these figures to estimate the cost of the coverage...same with those in the nation with preexisting conditions, they have estimated how many there will be based on the factual and actual numbers and trends they have before them to make these judgements....

AS WITH ALL coverage on any and all plans....it's how many will need "x operations" or how many will need "y medicines for diabetes" and they prorate the cost of these diseases or operations or whatever, over the full policy holders in the plan...

THIS IS HOW INSURANCE WORKS....Marty....all insurance.

Just as there are no women with Prostate cancer, and no men with vaginal or ovarian cancer, yet the man and or woman, still has that "coverage" on the family plan...

and also, in the case of 100% paid B/C coverage, some states had made it mandatory long before Obamacare and in the end, NO policy hike was needed in order to give this birth control coverage, because less women got pregnant and less women needed those type of services, so it all ended up being a wash....no increase in medical costs for b/c coverage on insurance.

Marty, do you truly think that Insurance companies priced their insurance on the basis that ALL those on the plan will have baby birthing coverage?

Sorry, but it is true the risk is spread to EVERYONE who buys a compliant plan.
sure, as with all ailments....the calculated and ascertained risk is spread to everyone...the healthy pay for the sick... as well, a known fact....it is how insurance works...you pay for me and I pay for you if one of us gets sick or needs hospitalization etc...

but the men known to be in the pool are known to not be in need for any labor and delivery care...it's not like the insurance company raises everyone's plan because all in the plan are in need of labor and delivery coverage...they only raise the plan by the percentage of women in child bearing years that could possibly have a child and then pro-rate it amongst all.


Just like our plans covering diabetes, or prostate cancer, or vaginal cancer...not all of us will ever face any of those conditions, but our plan policy covers them all....

The fucking point is I will never get pregnant, and don't want insurance that covers it just to save someone else some money.

Besides, if I ever do get pregnant I can guarantee I won't have to worry about paying for it. In fact, I will get rich off being the first cisgendered male to have a child.
 
Poor Richard's News - Obamacare levies fines on non-profit hospitals that offer free healthcare to the poor

....

It’s ironic isn’t it? The left’s chief complaint about the American healthcare system is that it’s “for profit,” but Obamacare will end up forcing non-profit hospitals to either go under or become for-profit institutions themselves.

From day 1, Obamacare has not been about improving healthcare or making it more affordable. It’s been about government control. Sadly, the American people are only now beginning to find out the truth about how devastatingly unaffordable the Affordable Care Act really is.

....
 
Today I spoke briefly about O-care with my eclectic, well-informed independent friend who is one of the best people I've met here in Wisconsin for being able to see multiple sides of an issue without relying on partisan crutches.

He said he has encountered two people who like O-care. Both Republican. Both elderly, on Social Security. They've supposedly been carrying $1000+ policies to pay for things not covered by Medicare. And through O-care they're able to get policies which cost closer to $300 or $400.

On the other hand, my friend is currently uninsured and said he can't afford O-care. His premiums would be less than $200 per month but that's still too much of his income. He qualifies for subsidies and would theoretically be able to afford the premiums after subsidies but he says he first has to fork over the full premium and then at year's end he would be reimbursed. He says that's how the subsidies work here.

That sounds terribly wrong, but this guy has been super reliable in the past so I don't know what to think.
 

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