Are You Ready for Obama Care?

.....and the rest of the article.....

The story goes into extensive and scintillating detail on the efforts of Boehner and his staffers to resolve the issue — the parties even attempted to devise a “cover story” for a meeting with President Obama, so that no one would find out that they were talking about this sensitive matter with the administration. Such a meeting never materialized. What the Politico story doesn’t address, however, is the role that Politico itself played in teaching people like Boehner just how explosive and politically profitable this “exemption” story could be.

On April 24, 2012, Bresnahan and Politico colleague Jake Sherman scooped the first in this series of stories. Its headline read, “Lawmakers, aides may get Obamacare exemption.” Kaboom: The story landed in a fissile news bed of partisan sensitivity, and the mere notion that privileged Capitol Hill types would attempt to cut a special deal for themselves ignited Washington. Five-thousand six-hundred and forty-seven tweets, 105,000 Facebook likes, and an untold number of followup blog posts from conservative news sites piled on. A post on the Heritage Foundation’s site riffed:
For veteran Capitol Hill watchers, shenanigans behind closed doors to enable Congress and its staffers to escape Obamacare come as no surprise. After all, the national health care law was fashioned through repulsive backroom dealing (the “Cornhusker Kickback,” the “Louisiana Purchase,” etc.) that set a record for arrogance and contempt of popular opinion. Favored businesses and unions got special exemptions (more than 1,200 waivers) from Obamacare’s insurance rules. So consider today’s Politico revelation just marquee for a rerun of a tiresome old movie: one set of rules for Congress and another set of rules for the rest of us.
If Congress quietly wants to exempt itself from Obamacare, that’s great—so long as it includes the rest of us in that midnight amendment.

They were all trafficking a story that got it wrong. It stated the following: “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.”
Except the notion of exempting anyone on Capitol Hill from anything wasn’t happening. As the Washington Post’s Ezra Klein clinically explained in a long-ago blog post, the problem was way too boring, complicated and consequence-less to have precipitated all the outrage. The nub of it is that in the negotiations over the Affordable Care Act, Republican Sen. Chuck Grassley, determined to stick it to the opposition, authored a provision mandating that lawmakers and staffers, since they love Obamacare so much, must join the health-care exchanges. Democrats assented.
As Klein explained, the law set up a bind:
Large employers — defined in the law as employers with more than 100 employees — aren’t allowed onto the insurance exchanges until 2017, and only then if a state makes an affirmative decision to let them in. But the federal government is the largest employer in the country. So Grassley’s amendment means that the largest employer in the country is required to put some of its employees — the ones working for Congress — on the exchanges. But the exchanges don’t have any procedures for handling premium contributions for large employers.

FactCheck.org has an extensive rundown of the particulars here.
For months, congressional officials and the Office of Personnel Management (OPM) worked toward a regulatory solution whereby Capitol Hillers get their insurance on the exchanges while preserving employer contributions. Nothing exemptive about that. “Because of poorly written language in the Senate, it had to be made clear through the regulatory process the intent of the law,” says Drew Hammill, a spokesman for House minority leader Nancy Pelosi, told the Erik Wemple Blog. “This was never any effort to exempt members of Congress or their staffs but rather to ensure that the intent of the law was ultimately upheld.”
Though Politico never appended a correction to its “exemption” story, it later sort of acknowledged that it may have overreached. One day later, it published a followup under this headline: “John Boehner hits Dems on proposed Obamacare fix.” No more talk of an Obamacare “exemption.”
May it never be said that Politico isn’t the most opportunistic news organization in the land. Think about the turns here. The site starts off by hyping an “exemption” story that delivers Republican talking points about the party’s most reviled piece of legislation. The story animates the right into a full blog-posting convulsion. Republican politicians take note. Having sampled the political appeal of the issue via Politico, Boehner unfurls it in the final hours of a showdown over government funding. Next day, Politico knifes Boehner. That’s my Politico.
Even more stunning is the apparent sourcing reversal. Though Politico’s “exemption” story of April ostensibly relies on sources from “both parties,” it pushes a Republican point of view. Talk of the “exemption,” after all, caused political problems for the Obamacare community. Yet when anti-Boehner sources — presumably Democrats — were looking to hammer Boehner for apparent hypocrisy in taking aim at the health-care subsidies, who did they leak to? That, again, is my Politico!




 

Tell that to my friend the former elevator repairman who went to the hospital after being hit by a car on his motorcycle. They gave him pain pills and told him to leave, no x-ray or diagnostics.

Three days later when he couldn't walk at all, they did the x-ray. Fractured pelvis. Due to the nerve damage incurred over the delay, he can no longer climb multiple flights of stairs.

Now that's great healthcare.

I'm not keen on national healthcare. (Private isn't better, but there isn't a third choice. lol) But, in all fairness, whether healthcare is national or private does not mean it stops doctors from screwing up. Should we go with national because some fresh-out-of-medical-school doctor practiced on his first patient--me-botched the gall bladder surgery and left me disabled?

I'm American, but have had experience with Canada's health plan. Hubby took a long jump off a short dock (and didn't realize I was squatting in the nice cool lake), so he broke his foot on our second day of vacation. Our experience was we drove to the ER, he was seen much faster than if we were in the States, X-rayed, put a cast on, and given an option between promising to return the crutches or to pay for them. We weren't driving 12 hours to return the crutches, so we were charged an additional $15. We spent one-third what we would have spent at home (in both time and money), and he found the excuse that made me the one to have to clean the fish we caught for the rest of our vacation. lol

You cannot judge an entire system on one incident. We did talk to the doctors about the differences, and I still have my problems with the idea of national healthcare, but what Canada had (I don't know what they have now--that was when it was new), isn't what Obamacare is.
 
>>"All plans would have to follow those requirements by 2019," Aaron Albright, press secretary for the House Committee on Education and Labor, told FactCheck.org<<

You're right, you should be paying attention more. That IS exempted until 2019. For the rest of us, no such exemption as of October 1, 2013. Reread what I wrote. The Reps what even distribution--either give up on the exemption until 2019 for Congress, or give the rest of the country the same exemption. I think the Reps are wrong on this. They've negotiated all the way down to "just Congress." That is the one and only demand blocking our government from being opened.

I've been following it up too. I hear crickets. For 1.75 days, the Dems wouldn't even let the Reps get through to them on a phone. They were all unavailable. Last night, they met. It was "polite." That's news media talk for "no one listened or budged a finger."

Apparently, the press secretary can tell people what's wrong and people go, "Ooooh, nothing's wrong. Then what's the problem?" The problem is Obamacare is good enough for everyone BUT Congress for the next five years. And people are buying this.

Seriously? In that case, I have some real estate to sell east of Atlantic City. ;)
 
...looks like it starts in 2014, same as ours....

In 2014, Congress gets Obamacare. Here’s how they’ll pay for it.


Starting in 2014, members of Congress and their staffs will have to get their health insurance through Obamacare's insurance marketplaces. But according to a regulation that the Obama administration's Office of Personnel Management plans to announce on Friday and release next week, the federal government can continue to contribute toward the cost of their health plans.
(Photo by Jessica Rinaldi/Reuters)

The regulation comes after months of worry on Capitol Hill. The Affordable Care Act includes a provision, first proposed by Sen. Chuck Grassley (R-Iowa), forcing members of Congress and their staffs to buy insurance through Obamacare. But it didn't provide a clear mechanism for them to do so.

The insurance marketplaces are built for individuals, not employers, and there was concern that the federal government could not continue paying its traditional share of congressional health plans. That would mean the entire cost would fall to members of Congress and their staffs, many of whom would likely flee the institution.
The Obama administration's compromise is to permit the federal government to contribute toward employee insurance on the exchanges, but to render those employees ineligible for any tax credits or subsidies.
"Members of Congress and their staff must go into the exchange," said an administration official. "No ands, ifs, or buts. They will not be eligible in any way for subsidies or tax credits. But they don't lose their current employer contribution."
Congress is the only large employer that has to enter the exchanges -- or is even allowed to do so. Some on Capitol Hill have asked why the White House staff doesn't follow suit.
"We have no legal authority to do that," the official said. "But we would support legislation that would apply the same standard to the President and the White House staff and the cabinet members. We believe the insurance exchanges are a very good deal, a very good benefit, and we're happy to be in them."

http://www.washingtonpost.com/blogs...amacare-heres-how-theyll-pay-for-it/#comments
 

...looks like it starts in 2014, same as ours....

In 2014, Congress gets Obamacare. Here’s how they’ll pay for it.
I don't know which group you include yourself with, but the rest of us started October 1, 2013. Considering The Reps are simply asking for it to start the same time for Congress, I don't see what the fuss is about, unless...maybe it's not good enough for them or they want to fix the problems before they dip their tootsies in.

Funny how the articles change the dates for Congress though. Seems like any date, but now, works.
 
Well actually the new healthcare does not affect me at all as I have medicare and a supplement....

October 1, 2013 to January 1, 2014 is the enrollment period, the actual plan starts January 1, 2014. I think that there are some Medicaid programs that started in 2013.
 
From a friend, PAY CLOSE ATTENTION...posted on the Obamacare website today "I actually made it through this morning at 8:00 A.M. I have a preexisting condition
(Type 1 Diabetes) and my income base was 45K-55K annually I chose tier 2 "Silver Plan" and my monthly premiums came out to $597.00 with $13,988 yearly deductible!!! There is NO POSSIBLE way that I can afford this so I "opt-out" and chose to continue along with no insurance. I received an email tonight at 5:00 P.M. informing me that my fine would be $4,037 and could be attached to my yearly income tax return. Then you make it to the "REPERCUSSIONS PORTION" for "non-payment" of yearly fine. First, your drivers license will be suspended until paid, and if you go 24 consecutive months with "Non-Payment" and you happen to be a home owner, you will have a federal tax lien placed on your home. You can agree to give your bank information so that they can easy "Automatically withdraw" your "penalties" weekly, bi-weekly or monthly! This by no means is "Free" or even "Affordable.

I read this online this morning, and other people are saying similar things, so "Affordable Care" is not proving to be affordable, at least for many people.
I will not be affected by it , as far as I know. Since I have under $5k per year SS pension to live on, I am covered with the low-income Medicare/Medicaid, and could not afford my heart meds without that help.
 
There are some people who are not required to participate in Obamacare , for instance, illegal aliens are not required to participate. Neither are convicted criminals, who are serving time.

One attorney writes about some of the options if you don't want to sign up for Obamacare :

1. If you are a dependent (as defined in section 152) of another taxpayer. Of course, if that other taxpayer doesn't purchase health care insurance for you they will face the penalty. (See 26 USC § 5000A(b)(3)(A).


2. If you are in jail. Hey, at least you get three squares and a place to sleep. (See 26 USC § 5000A(d)(4).


3. Be in the country illegally. (See 26 USC § 5000A(d)(3).


4. If you "cannot afford coverage" under 26 USC § 5000A(e)(1)(A)
(A) In general: Any applicable individual for any month if the applicable individual’s required contribution (determined on an annual basis) for coverage for the month exceeds 8 percent of such individual’s household income for the taxable year described in section 1412(b)(1)(B) of the Patient Protection and Affordable Care Act. For purposes of applying this subparagraph, the taxpayer’s household income shall be increased by any exclusion from gross income for any portion of the required contribution made through a salary reduction arrangement.


You got that? Good, neither did I.


5. Join an Amish or Mennonite Church and then opt out of Social Security (See 26 USC § 5000A(d)(2)(A).


6. Become a member of a Health care sharing ministry (See 26 USC § 5000A(d)(2)(B).


(B) Health care sharing ministry:
(i) In general Such term shall not include any individual for any month if such individual is a member of a health care sharing ministry for the month.
(ii) Health care sharing ministry The term “health care sharing ministry” means an organization—
(I) which is described in section 501 (c)(3) and is exempt from taxation under section 501 (a),
(II) members of which share a common set of ethical or religious beliefs and share medical expenses among members in accordance with those beliefs and without regard to the State in which a member resides or is employed,
(III) members of which retain membership even after they develop a medical condition,
(IV) which (or a predecessor of which) has been in existence at all times since December 31, 1999, and medical expenses of its members have been shared continuously and without interruption since at least December 31, 1999, and
(V) which conducts an annual audit which is performed by an independent certified public accounting firm in accordance with generally accepted accounting principles and which is made available to the public upon request.
 
In #4, isn't it if your income is so low, like $15,000 a year (for a family), you automatically qualify for Medicaid, so you don't have to buy healthcare on the marketplace? :confused: I think we'll be able to get a plan for less money than the one we have, but we're still waiting for Kaiser to send the enrollment package in the mail for more details. No hurry I guess, our plan now will automatically expire on January 1st, so we have until mid-December to sign up with either Kaiser or another company, so there'll be no lapse in coverage.
 
Yes, SeaBreeze, you are right....here is a link directly to Obamacare that corrects the myths, states who is eligible, who qualifies for the subsidies, and exactly what the penalties are...in an easy to understand format....it looks like the the low income for a family is $19,000 though before you qualify for medicaid....UNLESS you live in a state that has Republican leaders that turned down the extra money for medicaid...like Texas.

http://obamacarefacts.com/obamacare-facts.php
 
Harry Truman first proposed a National Health Insurance. But many people believe that raising their taxes is akin to treason. They've got theirs and to heck with everybody else. They want a government that favors themselves but want somebody else to pay for it. I don't know how or if this present system will work with a portion of our government trying to kill it. We could have if we wanted had a grand national insurance. Instead, we are warriors, preferring to spend that money making war on smaller countries who disagree with us, spying on our friends and enemies alike, having no friends except those we can buy.
 
That depends on which state you live in.

I was friends with a woman and her husband. He made $1,300 a month through SSDI, but she could never get approved for it, despite living with 1.2 hip joints. (One of her hip joints has disintegrated over the years, but she was denied disability.) So, the two of them live in Section 8 and he gets Medicare, but she only gets Medicaid for the 6 months after a major medical crisis. (Her ulcer perforated, so she was in a coma for a couple weeks and in ICU for a couple more, then, a few years later, she had a heart attack.) She also has diabetes, but they pay out of pocket for that. Even when they were in a car crash, the driver who caused the crash had no insurance, so they had to pay out of pocket for her whip lash. Since the driver came from another state, even the insurance company wasn't going to fight the cost of a lawsuit. After a serious health problem, she is free to get all the healthcare for a whopping 6 more months. Then, they're back on their own.

They're luck in one regard--they could never afford a house and they make so little they don't have to file income tax. They still have the car that was in that crash. It's from the 1990s.

She is part of the 2% that fell through the cracks--one of the people National Healthcare was supposed to help. She still can't get it, still can't get Medicaid (until her next medical emergency--if she survives it again), and now they want to take money out of her every month? Maybe she's lucky in another way. It looks like they can't get money out of someone who has coverage, simply because a family member doesn't. You really can't get blood out of a rock.

Brilliant plan!
 
Yes, SeaBreeze, you are right....here is a link directly to Obamacare that corrects the myths, states who is eligible, who qualifies for the subsidies, and exactly what the penalties are...in an easy to understand format....it looks like the the low income for a family is $19,000 though before you qualify for medicaid....UNLESS you live in a state that has Republican leaders that turned down the extra money for medicaid...like Texas.

http://obamacarefacts.com/obamacare-facts.php

Yes, let's go back to blaming republicans. The new chant of the land.

Better idea. Let's go back to splitting the country again. 25 states didn't accept the plan, therefore, they must all be republican states (which is funny, since my friend doesn't live in a republican state by a long shot), and do exactly what the can't-see-past-your-own-log "democrats" want. Kick republican states out of the United States. Punish them for daring to go against the PC chants. I'd be happy to obliged. Maybe we could get back to what a right-winged President once told us to do, "Ask not what the country can do for you, but what you could do for your country." (And, by today's standards he was right winged. His agenda would never cut it as left-winged by today's standards.)
 
Harry Truman first proposed a National Health Insurance. But many people believe that raising their taxes is akin to treason. They've got theirs and to heck with everybody else. They want a government that favors themselves but want somebody else to pay for it. I don't know how or if this present system will work with a portion of our government trying to kill it. We could have if we wanted had a grand national insurance. Instead, we are warriors, preferring to spend that money making war on smaller countries who disagree with us, spying on our friends and enemies alike, having no friends except those we can buy.

Nice fairy tale. The first time men argued over national versus private healthcare, Thomas Jefferson was one of the guys against it. At least, if you take the story about it last year in The Saturday Evening Post as truth. They're really is no good side to it, and really a lot of bad side to it--either way. But, then again, it seems so much easier to blame the other side then to deal with the reality of how hard it would be to be truly fair, so on goes the inter-exchange of "always blame the other side."

I guess it's easier to accept it's just a game, if you're a rook and not a pawn. I'm stuck at pawn. I'm disabled, so already stuck on knowing what little the government gives to the least.
 
Yes, let's go back to blaming republicans. The new chant of the land.

Better idea. Let's go back to splitting the country again. 25 states didn't accept the plan, therefore, they must all be republican states (which is funny, since my friend doesn't live in a republican state by a long shot), and do exactly what the can't-see-past-your-own-log "democrats" want. Kick republican states out of the United States. Punish them for daring to go against the PC chants. I'd be happy to obliged. Maybe we could get back to what a right-winged President once told us to do, "Ask not what the country can do for you, but what you could do for your country." (And, by today's standards he was right winged. His agenda would never cut it as left-winged by today's standards.)

The blame was place where it belongs...see the list below, if you'll follow the links you see that the three Democrat governors were for the expansion of medicaid, but the republican state lawmakers voted against it.

List of states and Governors who refused to expand Medicaid (updated)

Last edited Sat Oct 5, 2013, 10:58 AM USA/ET -
Alabama -- Robert Bentley, Republican -- Term ends 2015

Alaska -- Sean Parnell, Republican -- Term ends 2014

Florida -- Rick Scott, Republican -- Term ends 2015

Georgia -- Nathan Deal, Republican -- Term ends 2015

Idaho -- Butch Otter, Republican -- Term ends 2015

Indiana -- Mike Pence, Republican -- Term ends 2017

Kansas -- Sam Brownback, Republican -- Term ends 2015

Louisiana -- Bobby Jindal, Republican -- Term ends 2016 (term limits)

Maine -- Paul LePage, Republican -- Term ends 2015

Mississippi -- Phil Bryant, Republican -- Term ends 2016

Missouri -- Jay Nixon, Democratic -- Term ends 2017 (term limits)

Montana -- Steve Bullock, Democratic -- Term ends 2017

Nebraska -- Dave Heineman, Republican -- Term ends 2015 (term limits)

New Hampshire -- Maggie Hassan, Democratic -- Term ends 2015

North Carolina -- Pat McCrory, Republican -- Term ends 2017

North Dakota -- Jack Dalrymple, Republican -- Term ends 2016

Ohio -- John Kasich, Republican -- Term ends 2015

Oklahoma -- Mary Fallin, Republican -- Term ends 2015

Pennsylvania -- Tom Corbett, Republican -- Term ends 2015

South Carolina -- Nikki Haley, Republican -- Term ends 2015

South Dakota -- Dennis Daugaard, Republican -- Term ends 2015

Tennessee -- Bill Haslam, Republican -- Term ends 2015

Texas -- Rick Perry, Republican -- Term ends 2015 (retiring)

Utah -- Gary Herbert, Republican -- Term ends 2017

Virginia -- Bob McDonnell, Republican -- Term ends 2014 (term limits)

Wisconsin -- Scott Walker, Republican -- Term ends 2015

Wyoming -- Matt Mead, Republican -- Term ends 2015

State Medicaid and CHIP Income Eligibility Standards Effective January 1, 20141
http://www.medicaid.gov/AffordableC...edicaid-and-CHIP-Eligibility-Levels-Table.pdf

Kentucky's success makes a mockery of GOP Obamacare foes
http://www.democraticunderground.com/10023779107

Updated to add that three Governors on the list support expansion, but are being blocked by their state's legislature.

Bullock: Open to all options on Medicaid expansion
http://missoulian.com/news/state-an...cle_de9f768c-fbb2-11e2-8109-0019bb2963f4.html

Jay Nixon, Missouri Governor, Backs Medicaid Expansion
http://www.huffingtonpost.com/2012/11/29/jay-nixon-medicaid-expansion_n_2211925.html

Governor Maggie Hassan

Huge support for Medicaid expansion at yesterday's public hearing. Accepting the $2.5 billion in federal funds available for Medicaid expansion will strengthen our economy and help thousands of hard-working families access critical health coverage.

https://www.facebook.com/GovernorHassan/posts/659687414044068

 
As an outsider I'm curious about the situation where health insurance falls on the shoulders of the employer. We've never had such a system as far as I know in Australia. What we did have before our national health system was a lot of mutual societies where members' small contributions, collected weekly or fortnightly, were pooled and invested to provide defined sickness benefits. Some of these societies grew very large. Our family belonged to two funds - MBF (medical benefits fund) and HBF (hospital benefits fund). We also belonged to a funeral fund. Over time these funds amalgamated and demutualised to become businesses listed on the stock exchange. This system of private cover still exists and to encourage people to take out private cover the federal government provides a 30% rebate of the annual fee.

The universal healthcare scheme, funded by a flat income tax levy of 1.5% on taxable incomes above a minimum threshold, allows everyone in the country, rich or poor alike, to receive free or subsidised health and hospital care. To discourage well off people from opting out of their private cover there is a tax penalty for the uninsured once you reach a certain age (not sure -35? ) and it gets bigger as you get older. This also discourages people from avoiding health insurance when young and healthy and opting in when health problems are more likely.

As for the employers, all they do is offer to deduct health insurance premiums from the payroll and forward them to the insurer of your choice. They also deduct the 1.5% and send it to the tax office along with your pay-as-you-earn tax instalments. Your health insurance is not fixed to your employer. It is your money, not theirs, that pays for it and it is perfectly portable when you resign or retire.

As retirees, my husband and I still pay private insurance but as pensioners we pay nothing to visit the GP (he bulk bills the government for our visits) and we have the option of free hospital treatment but we prefer to go 'private' using our health insurance even though we will have some out of pocket payment. It means that we can go to a private hospital rather than a public one where the waiting lists for elective surgery are uncomfortably long. Our private insurance also covers dental treatments and other ancillary services like podiatry.

And yes, we are still in the same funeral fund.
 
I understand that anyone wanting to sign up for a plan under the Affordable Care Act, must first apply for Medicaid...even if you're income is nowhere near the Medicaid guidelines. You have to wait up to 45 days for a denial confirmation number before you can follow through with a health plan. Has anyone done this? Have you received a prompt acceptance or denial confirmation? My plan is discontinued on Jan. 1st, and now I'm concerned about waiting for this 45 day Medicaid denial before I can sign up. :rolleyes:
 
I was looking at some of the news articles about Obamacare. They were talking about the webpage to sign up , and that it is still not working. So, if we get to the deadline, the website doesn't work, and people have lost their health coverage that they had before, then what happens next ?
Most people will then have no coverage at all, and no idea when they will have coverage again. What if it takes MONTHS before they get the Obamacare website working at all ? What about the people with serious health care needs ?
Even if they get the website up and working, it will be flooded with all the people trying to get coverage again, so it will still take a long time, and it looks to me like people will either die from no medical care, or have to go to the hospital and say they have no insurance coverage, and then the bills will be monstrous.
None of this looks good, pretty much even under the best of circumstances.
 


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