Showing posts with label EIB. Show all posts
Showing posts with label EIB. Show all posts

Friday, October 4, 2013

ObamaCare Cost Increases Shocking to Many…

Fabulous Obamacare Success Stories

EIB: BEGIN 10.03.13 TRANSCRPT

RUSH: James Taranto, the Wall Street Journal, has a story of a guy named Brendan Mahoney, who did succeed. It's a Hartford Courant story, and this guy's being joked about as the man who saved Obamacare. The subhead is: "Great news! They got a 30-year-old dude to sign up!" And here are the details. "Meet Brendan Mahoney, the young man who is saving ObamaCare. He's 30 years old, a third-year law student at the University of Connecticut. He's actually been insured for the past three years -- in 2011 and 2012 through a $2,400-a-year school-sponsored health plan." So he's already got insurance and he went to the exchange. This year he is insured "through 'a high-deductible, low-premium plan that cost about $39 a month through a UnitedHealthcare subsidiary.'" But even though he already had plan, at 39 bucks a month, "he wanted to see what ObamaCare had to offer."

"He tried logging in to the exchange's website at 8:45 a.m. yesterday, which is impressive in itself. Most young people don't get up that early. 'He said the system could not verify his identity.'" He's got insurance, don't forget. He's paying $39 a month through a United Health Care subsidiary, high deductible, low premium plan, school-sponsored health plan. When the system couldn't verify his identity, "he called the toll-free help line, whose operator also encountered computer trouble. 'But then he logged on a second time, he said, and the system worked.'"

He told the Hartford Courant, "'Once it got running, it was fast. It really made my day. It's a lot like TurboTax.' He obtained insurance through ObamaCare. Now, he says, 'if I get sick, I'll definitely go to the doctor.' Even better, if he stays healthy, he won't need to go to a doctor, and his premiums will support chronically ill policyholders on the wrong side of 40."

This is the guy, this is what they're looking for. Now, hang in there with me, folks. This is not over. This is exactly what they're looking for, a 30-year-old healthy guy to sign up and pay the freight so that nanaw and grandpa can be treated. They're looking for 30-year-olds who are not gonna get sick, not gonna put any financial strain on the system. They pay the premium, they pay the freight. This guy had a premium of 39 bucks. He wanted to see if he could beat that on Obamacare, and he did.

"So, how much of a premium is strapping young Brendan Mahoney paying to help make ObamaCare work? Oops. The Courant reports that Mahoney 'said that by filling out the application online, he discovered he was eligible for Medicaid.'" So 30-year-old strapping, healthy dude, Brendan Mahoney, beginning next year will not pay any premium at all because Obamacare, the exchange, told him, based on the way he filled out the data, that he is eligible for Medicaid.

What a fabulous success story for Obamacare's first day. Here we have a future lawyer -- remember, now, this guy is I think a 3L at the University of Connecticut. He was gonna be a lawyer, might still be a lawyer. He was already paying for insurance, and he's been converted into a welfare case. And that, ladies and gentlemen, is the objective. When you strip it all away, this shows how all of this is really designed to work.

Now, on the surface -- and everything I've told you here is true -- this 30-year-old guy signs up, he's paying a premium of $39, but, you know, he's curious. He's a tech savvy guy. He wanted to find out what it was all about. Maybe he could beat the 39 bucks. So he fills out all the necessary forms, inputs all the data, and he finds out at age 30 he qualifies for Medicaid, and therefore he's become a welfare case.

So this 30-year-old guy -- and hopefully, theoretically millions like him who are gonna be signing up and paying all these premiums so that nanaw and grandpa can get health coverage and treatment, qualified for Medicaid. So a 30-year-old guy -- who was gonna be a lawyer, so you figure he's got some decent earning power -- has been converted by Obamacare into a welfare case. And he didn't pull any strings. He didn't know anybody. He didn't ask for special treatment. This is just what the system spat out.

So now he doesn't have pay 39 bucks. Now he can get rid of that health plan he's got at school. At 30 years of age, he discovered he was eligible for Medicaid. He's a healthy guy. I is a joke here that they're saying, "Here we have great news, a 30-year-old guy signed up," because the story is nobody's been able to sign up. But lo and be, "Hey, we got a guy!" You know, the regime can tell everyone, "We got a guy! We got a guy! It's this guy in Old Clayneck, Connecticut, 30 years old. Look at this, what we did here. We got a guy! We got a guy.

"He's exactly who we want to sign up here," and Obamacare turned him into a welfare case. They turned him into a ward of the state. A guy that's gonna be a lawyer, is gonna have decent earning power is now a Medicaid recipient. "Oh, come on, Rush! It's just a first-year glitch. These things will get ironed out." A little companion story here from the Washington Free Beacon. "Health insurance premiums for young people will rise in all 50 states under Obamacare, with an average increase of 260 percent, according to a study released Thursday.

"The young and healthy segment of the uninsured is considered crucial for the Affordable Care Act to succeed. Former President Bill Clinton suggested last week that Obamacare only works 'if young people show up.'" Well, what the hell, folks? Here we got this young guy that showed up and the system made him a Medicaid recipient. He didn't game it. He is just going through the process and found out that he qualified for Medicaid -- and I'm telling you, in my not so cynical opinion, I think that is the long-0term objective is to turn everybody into a welfare case in this country, folks.

That's the long-term objective of not just Obamacare, but of the Democrat Party. Turn everybody into a dependents. Make everybody dependent on government for things they consider really important, like their health care. Here's another one. The Associated Press: "A Bumpy First Day for New Affordable Care Act Insurance Marketplaces -- The technical trouble couldn't dampen the relief Hussein Daoud felt for himself, his wife and their six children. The 51-year-old Detroit man came to apply for insurance at the Dearborn-based nonprofit organization ACCESS. With the help of counselors, he learned that his annual income of $14,500 made him eligible for Medicaid, and he likely won't have to pay for a plan that covers his family."

He's 51 years old. He, his wife, and six children -- and an annual income of $14,500? What in the world...? (interruption) Yeah, eight people for free, but before you get there, how are eight people getting by on his $14,500 annual income? Well, I know. Food stamps and all the other stuff, but so eight people in Dearbornistan go in to sign up and he end up becoming wards of the state. Health care for them is free as well, in addition to the strapping young 30-year-old Brendan Mahoney in Connecticut. (laughing)

On one hand, this is the biggest collection of Keystone Cops and incompetence running. On the other hand, this is a really, really profoundly dangerous thing that's happening here. But there's a part of me that, I'm sorry, cannot suppress my laughter at raging... I know you might think it's a conflict to call them incompetent when they're registering all these wards of the state. I am here to tell you, folks, that they did not intend for 30-year-olds to be comped. That was never part of the plan. That's who is going to have to pay. How in the world...?

The way that they make those people wards of the state is take all of their disposable income in the form of health care premiums and make them dependent in other ways. But they do need money flowing into the system. They do need some people paying premiums, and they can't get by with just the rich paying premiums; there isn't enough money there to cover everybody. So they need these strapping, young, 30-year-old guys and women, who aren't gonna get sick, paying into the system -- and the system's converting 'em to welfare recipients. (Raspberry) Hee-hee-hee-hee-hee.

BREAK TRANSCRIPT

RUSH: Here's Lee, New York City. Lee, it's great to have you on the EIB Network. Hello.

CALLER: How are you? Hey, you spoke about the Obamacare success story with 30-year-old guy in law school getting a free ride.

RUSH: Yeah.

CALLER: They're probably tickled pink about this because what's gonna happen in a few years or less than that this guy starts earning six figures and he's stuck in the program? Hello, premiums!

RUSH: Now, that's a good point. He's talking about the first story I had in the Stack today, a Hartford Courant story about Brendan, some 30-year-old law student at University of Connecticut. He is in, folks, an insurance plan right now at school where he has a $39 a month premium. So he went to the Obama exchange in Connecticut on the website, and he got through, and he signed up.

Well, he found out that he qualifies for Medicaid as a college student. He doesn't have any income, not to speak of, so he's poor. So he qualifies for Medicaid. So right now, he doesn't pay anything. Now, the regime... He's 30, still in school. The regime wants people like this guy paying full freight to pay for nanaw and grandma. So people are making a big joke about the fact that this Brendan guy -- a healthy, strapping 30-year-old -- has been converted into a ward of the state by Obamacare.

But Lee's point here is, if this guy finishes school and does become a lawyer and does find a job (and all of those are questionable) then he's no longer qualifying for Medicaid, is he? He won't qualify for Medicaid once he gets a job as a lawyer, 'cause he won't qualify for Medicaid anymore. As Lee points out, this 30-year-old strapping young Brendan guy, he's not gonna like it. He's not gonna like the revelation that his premiums are gonna skyrocket, and that's true. That's gonna be a delayed reaction, because that requires old Brendan to graduate and then find a job at a decent law firm where he hangs his own shingle or what have you.

It's a great point, Lee. I appreciate that.

BREAK TRANSCRIPT

RUSH: Here's Nancy, Salt Lake City. Hi, Nancy, great to have you on the program. Hi.

CALLER: Hello. Nice to speak with you. Thank you for your time. I'll get right to the point 'cause I know you're busy. I want to tie in your very first story in the first hour and the story in your second hour about the Medicaid. I'm a single mom. I make $5,000 a year. I qualify for Medicaid, but my spend down premium is $460 a month. I am not eligible for any tax credit subsidy because my income is below 100% of the federal poverty level, which is 99% of my household income. This is a mess, it's a chocolate mess.

RUSH: Wait a minute. You make $5,000 a year?

CALLER: Yes. I'm a student and I make $5,000 a year and I'm trying to get out of the toilet.

RUSH: Oh, okay, student. And you don't qualify. You make too little to qualify for poverty?

CALLER: I do qualify. I am 100% below the federal poverty level.

RUSH: Yeah.

CALLER: But for me to have Medicaid I have to pay the state of Utah $460 a month.

RUSH: Well, how did this clown in Connecticut get onto Obamacare and he's not gonna pay anything?

CALLER: Exactly, and he doesn't even have a child that he has to raise.

RUSH: Well, not that we know of.

CALLER: Well, that's true, too.

RUSH: Not that he knows of.

CALLER: I'm still trying to see the future pay-in, you know. But, anyway, so I'm not available for any tax credit subsidies that they claim that the poor people get to help them --

RUSH: This is incredible. So people at or below 100% of the poverty line cannot get Obamacare subsidies?

CALLER: Correct. You are correct. I have it right here in black and white. I do not qualify for any of the subsidy. But yet they want 99% of my household --

RUSH: You know, I could be really insensitive and say, "Welcome to my world."

CALLER: Yeah.

RUSH: But I wouldn't do that.

CALLER: But that's okay.

RUSH: I'm not doing that, Dawn, don't shake your head. I wasn't doing that. I told her I could, but I wouldn't. I'm not doing that. I just want you to know I don't get subsidies, either.

CALLER: Yeah. It blows you away, doesn't it, how this Obamacare is supposed to help the poor and --

RUSH: Yes, I know.

CALLER: -- blah, blah, blah.

RUSH: I did not know that you could be too poor to qualify for Obamacare. You're supposed to get Medicaid, but you have to pay $460 bucks a month did you say for Medicaid?

CALLER: Correct.

RUSH: That doesn't sound like it makes any sense. Anyway, I've gotta run. I'm outta time. I'm very sorry, Nancy, but that we'll have to look into. Don't go away, folks. Be right back.

BREAK TRANSCRIPT

RUSH: I don't understand having to pay $400 a month for Medicaid. I've never heard of that before. I'm not challenging what she said; I just haven't heard about it.

END TRANSCRIPT

Obamacare To Double Cost Of Insurance For Average Californian

Originally Posted 06/02/2013 22:18 –0400 at ZeroHedge

Last week, the state of California claimed that its version of Obamacare’s health insurance exchange would actually reduce premiums. But, as Forbes reports, the data that the executive director of California's 'exchange' released tells a different story: Obamacare, in fact, will increase individual-market premiums in California by as much as 146 percent. The exuberance that Peter Lee exclaimed over the 'savings' is a misleading comparison. He was comparing apples - the plans that Californians buy today for themselves in a robust individual market-and oranges - the highly regulated plans that small employers purchase for their workers as a group. If you're a 25 year old male non-smoker, buying insurance for yourself, the cheapest plan on Obamacare’s exchanges is the catastrophic plan, which costs an average of $184 a month; but in 2013, on eHealthInsurance.com, Forbes explains, the median cost of the five cheapest plans was only $92. In other words, for the typical 25-year-old male non-smoking Californian, Obamacare will drive premiums up by between 100 and 123 percent. The desperate spin of the PR disaster is incredible as talk of a 'rate shock' is now very prescient, "these extraordinary increases are up to 15 times faster than inflation and threaten to make health care unaffordable for hundreds of thousands of Californians."

Via Forbes,

Last week, the state of California claimed that its version of Obamacare’s health insurance exchange would actually reduce premiums. “These rates are way below the worst-case gloom-and-doom scenarios we have heard,” boasted Peter Lee, executive director of the California exchange. But the data that Lee released tells a different story: Obamacare, in fact, will increase individual-market premiums in California by as much as 146 percent.

...

“The rates submitted to Covered California for the 2014 individual market,” the state said in a press release, “ranged from two percent above to 29 percent below the 2013 average premium for small employer plans in California’s most populous regions.”

That’s the sentence that led to all of the triumphant commentary from the left. “This is a home run for consumers in every region of California,” exulted Peter Lee.

Except that Lee was making a misleading comparison. He was comparing apples—the plans that Californians buy today for themselves in a robust individual market—and oranges—the highly regulated plans that small employers purchase for their workers as a group. The difference is critical.

...

If you’re a 25 year old male non-smoker, buying insurance for yourself, the cheapest plan on Obamacare’s exchanges is the catastrophic plan, which costs an average of $184 a month.

... But in 2013, on eHealthInsurance.com (NASDAQ:EHTH), the median cost of the five cheapest plans was only $92.

In other words, for the typical 25-year-old male non-smoking Californian, Obamacare will drive premiums up by between 100 and 123 percent.

...

Obamacare’s impact on 40-year-olds is steepest in the San Francisco Bay area, especially in the counties north of San Francisco, like Marin, Napa, and Sonoma. Also hard-hit are Orange and San Diego counties.

...

How did Lee and his colleagues explain the sleight-of-hand they used to make it seem like they were bringing prices down, instead of up? “It is difficult to make a direct comparison of these rates to existing premiums in the commercial individual market,” Covered California explained in last week’s press release, “because in 2014, there will be new standard benefit designs under the Affordable Care Act.” That’s a polite way of saying that Obamacare’s mandates and regulations will drive up the cost of premiums in the individual market for health insurance.

But rather than acknowledge that truth, the agency decided to ignore it completely, instead comparing Obamacare-based insurance to a completely different type of insurance product, that bears no relevance to the actual costs that actual Californians face when they shop for coverage today. Peter Lee calls it a “home run.” It’s more like hitting into a triple play.

Everyone needs to go through the process of finding out what ObamaCare will cost them and then send the quote on to your Congressman and Senator… and ask them Why?  What happened to the promises?!?

Related:

Anyone Who Is Buying That the Republicans in the House Are Unreasonable Needs to Read This… NR: 100 Unintended Consequences of ObamaCare

Thursday, May 23, 2013

Obamacare Produces Pain and Chaos by Design

EIB/Rush: BEGIN TRANSCRIPT

RUSH: Here's Denise in Trenton, Michigan, as we head back to the phones.  Welcome to the Rush Limbaugh program.  Hi.

CALLER:  Hey, Rush.  My question is pretty simple, but I also want to ask, you talked to somebody on Tuesday, it was a guy, I know you'll remember him, he worked two part-time jobs and he had a one-year-old and he talked about how he can't get benefits. And you had told him that you had hope to give him, and you talked about a time where there were people in like their fifties and stuff, and they had to go back and they basically lost their jobs, and they did what they really wanted to do.

RUSH:  Right.

CALLER:  And I just hope he's listening today, 'cause I was on the phone with you on hold saying, "Please take my call so I can tell him."  It was true then, and it's true now.  That's what we're doing.  That's what our family is doing, 'cause of course thanks to Obama and his infinite wisdom, I went through the same thing and lost two of my jobs, and I'm back in school and I'm gonna do what I want to do.  And I just want your guy -- I hope he hears this because anybody can do it, and you are who you are not because of who they let you be, but because of you.  He has to do what you said and follow his passion, because --

RUSH:  That's a good point.  It really is.  Just to recap, I remember the guy.  He was working two jobs because he had been downsized because of Obamacare.  He'd been reduced in both jobs to part-time status, so he'd lost his benefits. Even though with two jobs he had the equivalent of a full-time job, he didn't have any benefits, and health care, particularly, was gone.  He didn't know what he was gonna do.  He was from Asheville, North Carolina, and I told him, "You know, even true today, most of the limitations that people face are self-imposed."  And I asked him, "Are you willing to move to pursue your dream?"  He said, "Yeah."

Okay, well, that's the big one.  Once you're willing to move you're really over a hump, but if you're not gonna leave Asheville, then you have to realize your potential is dictated by what Asheville has, what there is to do there job-wise, career-wise, or what have you.  But the point that I made that you recounted here that's really worth it, all these guys in the nineties laid off in their middle ages, fifties, white-collar guys, could not get rehired at the salaries that they were earning.  So what they did late in life was start businesses with the things they really loved and always wanted to do but had never done.

BREAK TRANSCRIPT

RUSH: Now, one thing from our last caller.  The caller she was talking about was Andy from Asheville, North Carolina.  This is worth repeating.  He was downsized in two jobs, so he had a full-time workweek with two jobs. So he was part time in two jobs, did not have any benefits as a result. He was been downsized in both jobs because of health care. The companies where he worked converted him to part-time status so that they would not have to provide him health care coverage, and that's common and it's happening with greater frequency and will increase its occurrences as more companies realize what they have to do to be complicit with Obamacare.

If they want to stay in business they're gonna have to let people go.  If they want to stay in business they're gonna have to convert people to part time.  They're gonna have to reduce their hours and they're gonna have to reduce their benefits.  No, that's not the spirit of Obamacare at all.  In fact, Obamacare officials are shocked and stunned that this is happening.  Actual people in the government can't believe this.  They thought that the health care experience in America would be, as they said, enriched because of Obamacare.  They're just a bunch of political lug heads who accept the flawed premise and promises of liberalism.  And because they're good people and because they've put the program together, it's magically gonna work.  Never does.

(interruption)

I was just asked if they just discount all the articles that point out how it's not being implemented as it was designed.  'Cause it isn't a surprise.  It isn't a surprise that business is doing this.  Everybody that paid any attention, had any smarts at all, knew exactly what businesses were gonna have to do in order to stay in business once this thing started to be implemented.  And so the question is, don't these guys in government -- how do they not know this?  Don't they read these stories?  I don't know.  Maybe they don't read them.  But more likely they do and just discount what they're reading.  They do.  They think it's all right-wing propaganda, no matter where it runs.

All of these forecasts, Obamacare not working, all of these stories of companies downsizing, they just think that's evil business profit-taking.  These people in the government who really thought that Obamacare and even do still think Obamacare is gonna lower costs and expand coverage, and when it doesn't happen, what do they think?  They think that evil CEOs are being greedy and they're just laying people off using the excuse of Obamacare, but all they're doing is hoarding money and building bigger houses for themselves and buying nicer cars while they're firing or laying people off.  That's what they think.  They think that all of this is right wing conspiratorial activity designed to harm Obama.  When they read these stories -- look, try this one.  This is from the Washington Examiner but this is just a repeat of an LA Times story.

"UnitedHealth, the nation’s largest private insurer, will not participate in California’s Obamacare health exchange, the Los Angeles Times reported Thursday. Health insurance giants Aetna and Cigna will also opt out of Covered California, the state agency charged with implementing Obamacare. All three insurers will still provide health insurance through large employers in the state," but they're not going to participate in the Obamacare exchanges.

"Kaiser Permanente, the largest health insurer in California, will work with Covered California, as will Anthem Blue Cross and Blue Shield of California. Together, these two companies already control 87 percent of the state’s individual health insurance market. That number will only go up as UnitedHealth, Aetna and Cigna drop out of the individual market entirely. Market consolidation and decreased consumer choice is exactly what some supporters of Obamcare hoped would happen all along."

This is my point.  As UnitedHealth pulls out, as Cigna pulls out, as Aetna pull out, what does that mean?  It means consumers have fewer choices.  That's the design.  The people that really thought about this at the government, the Obamacare people, the people that really put this together with their ultimate aim in mind, intended all of this.  They intended for it to be too big, too unworkable, and too expensive.  They intended for all of these companies, be they businesses or insurance companies, to pull out, to not insure people, they intended this.  That's why the fines for not having insurance in the first couple years are very cheap.

The fines for not having a policy cost much less than having a policy. They want people to not have the policy. They want people to pay the fine. They want to upset the market and create a mess -- and, then to clean up the mess, they want everybody just to finally say, "You know what? You know what would fix this? Single payer! Just have the government do it. To hell with Aetna, to hell with Cigna, to hell with United Health, to hell with private insurance. Just have the government do it."

That will be the solution.

It's not me saying so. Obama said this in 2007 in a speech to the Service Employees International Union. We've played the audio of that speech on this program I don't know how many times where he said to 'em, "I know you want single payer. I want single payer, too. But we can't get there overnight. It's gonna take 10, maybe 15 years. People are going to have  to be slowly conditioned to it and ultimately it's going to have to be the only option available. That's how we'll get it done."

Because people don't want that. Obama knows it. He knew it in 2007; he knows it today. He's governing against the will of the people. People do not want single-payer, government-run health care. They don't want Obamacare. Still, the numbers are 60%. But the people in the regime who believe in this, who think that all of this is the perfect solution to our health care problems, they'll read a story here. They'll read this LA Times story: United Health, Aetna, Cigna pulling out.

They will tell themselves that the people running these companies are just a bunch of greedy Republicans trying to screw Obama. Everything is political to them, and there is no legitimacy in capitalism, and therefore no capitalistic entity is legitimate. They're all cheats, liars. They're all frauds. "Capitalism is unfair. Capitalism is what the 1% use to stay the 1%, and they got to be the 1% by taking everything from everybody else!"

So if you start out from the standpoint that there's nothing legitimate about free markets, if there's nothing legitimate in capitalism, and you read a story like this (and you know how mean and nasty Republicans are), well, you're just gonna assume that the people running these companies are Republicans and hate Obama and they're trying to screw up his grand plan. Then, at some point, they realize what's going on. That's when you get the stories, "Yeah, we really thought it was gonna lower costs!

"We really thought it was going to enrich health care experience for people." The cookie-cutter liberal, the standard operating procedure liberal is really a giant ignoramus. I mean that seriously. They're really ignorant. They are so politically oriented, and they are so arrogant and condescending -- and they have such solid boundaries built around themselves -- that the truth of anything doesn't permeate. The only truth is what they believe and what they think, including all of their biases and all of their prejudices.

Those things are truth. Anything outside their believability system, outside the cocoon, is a conspiracy designed to undercut them or destroy Obama -- or it's just a bunch of right-wing kooks. That's the challenge. That's why there's no working with these people. There isn't any point in bipartisanship. There is no area of commonality. We don't have anything in common with these people. That's why, in my mind, politically they're to be defeated. The problem is we usually do. They are a minority.

We're just being governed by a minority. It's made to look like the majority because of their never-ending media support. I mentioned yesterday that even the union for the people who are going to enforce Obamacare, the IRS, is begging out of it. It's the National Treasury Employees Union, which runs the IRS. That's the union that all IRS workers are members of. They want to be exempted from it. Their job is to make sure you sign up. Their job is to make sure you are assessed a fine if you don't get insurance under the terms of Obamacare.

They want an exemption. That is liberalism for you. They set up two sets of rules: One set for everybody else, and another set for them. They never have to live by the rules that they set up for everybody else. 'Cause they're special! They're better. They're more important. The rules set up for everybody else are to handle "the masses," the bourgeois -- you know, the slow-witted, dim-witted, mindless people that are incapable of taking care of themselves.

So they set up rules for them, and then another set for themselves, and that's how it works. United Health, Aetna, and Cigna opt out of the California Obamacare exchange -- and they're going to continue to offer insurance policies to employers. Eventually what is designed to happen, and therefore will, is that the policies are going to be so much more expensive than what will be found at the exchanges, private insurance will end.

END TRANSCRIPT