Serving up this steaming pile of
Celebrity Gossip
Gay Politics
Gay News
and Pointless Bitchery
Since 1995

ObamaCare detailed and explained

Arm yourself with knowledge. This link includes all the info you need about the Affordable Care Act (aka "ObamaCare"), in plain English. It tells you what is in it, and when things to into effect. It explains this whole "is it a tax? is it a mandate?" thing as well... exposing all the lies the right is pushing.

Know the facts. Then spread them around. Confront anyone who doesn't know what they're talking about, or who is spreading lies.

Lots of great, easy to understand info at the link:

by Anonymousreply 13309/25/2014

Yeah it does, R1:

"If you are low income, which is considered a gross income between 100% to 400% of the Federal Poverty Line (FPL), then you qualify for the new premium tax credit to help you pay for health insurance. You are allowed to take this credit immediately after January 1, 2014 to help you pay your insurance premium. The credit can even go directly to your insurance company. Your maximum out of pocket costs for paying the premium under the law for those who are eligible for the tax credit is from 2% for those nearest the poverty line up to 9.5% for those at 400% of the poverty line. These are the affordability guidelines under code 36B(c)(2)(C). Anything above 9.5% is considered unaffordable under the guidelines.

Essentially any individual making up to approximately $45,000 per year or family of four with an income up to $75,000 per year will likely be eligible for a tax credit starting January 2014. An individual near the poverty line just above the medicaid eligibility would pay as little as approximately $25 per month up to about $50 per month for a family of four. Near the top end of the tax credit eligibility range, your out of pocket maximum will be approximately $350 per month for an individual to $590 per month for a family of four. Anything above these amounts will be covered through the tax credit."

by Anonymousreply 206/30/2012

President Obama and the Democrats have done a terrible job explaining and defending the Affordable Care Act. Perhaps they have learned their lesson.

by Anonymousreply 906/30/2012

This is another reason the major media is irrelevant. Why isn't this kind of summary in every newspaper published the day after SCOTUS issued their decision? Thank god for bloggers and message boards.

by Anonymousreply 1006/30/2012

[quote]"If you are low income, which is considered a gross income between 100% to 400% of the Federal Poverty Line (FPL), then you qualify for the new premium tax credit to help you pay for health insurance. You are allowed to take this credit immediately after January 1, 2014 to help you pay your insurance premium. The credit can even go directly to your insurance company. Your maximum out of pocket costs for paying the premium under the law for those who are eligible for the tax credit is from 2% for those nearest the poverty line up to 9.5% for those at 400% of the poverty line. These are the affordability guidelines under code 36B(c)(2)(C). Anything above 9.5% is considered unaffordable under the guidelines.

What of the people with no income who therefore do not file tax returns? What good is a tax credit to do for them -- 99 ers, for example -- especially in States where Medicaid won't cover them?

by Anonymousreply 1206/30/2012

I pay $630 a month on Cobra, which runs out at the end of the year. Is my insurance going up or down?

by Anonymousreply 1506/30/2012

That's weird. I have really middle of the road insurance, and I can generally get MRIs the same day, or certainly within a couple of days.

Where do you live?

by Anonymousreply 1906/30/2012

Cokie Roberts and some toons do a much finer job explaining.

by Anonymousreply 2206/30/2012

For medicaid, do applicants have to really report the income of everyone living in the same house? And are debts taken into account when determining the income limit?

by Anonymousreply 2806/30/2012

If I already have health insurance, will I still be able to use the exchanges to find a new policy that fits my needs better?

by Anonymousreply 3206/30/2012

R29, insurance companies will be restricted from making big increases to your health insurance premiums under the ACA.

by Anonymousreply 3306/30/2012

I have great insurance. What was shocking was seeing how much the hospitals/providers charged vs. the little the insurance company actually had to pay. Fortunately I didn't have to pay the difference, but it makes one wonder about how inflated those bills were.

by Anonymousreply 3406/30/2012

R34, I took my son to the ER for stitches. I saw the nurse remove a bandaid from a box that was a free sample but on my bill I paid $15 for a bandaid that was free!

by Anonymousreply 3506/30/2012

R35, that's why you should always take your own prescriptions and toiletries from home if you're ever admitted to the hospital.

by Anonymousreply 3606/30/2012

Seems to me we have government to solve problems we cannot solve on our own Problem: too many people don't have medical insurance, and we all pay for them. Solution number 1: make everybody have insurance....solution #2: allow emergency rooms and all other medical providers to turn their backs on anyone needing treatment if they don't have insurance..... Assuming you don't want #2, would someone please provide me with a 3rd solution? If you are anti handout and anti-freeloader, it seems to me the two above solutions are the only ones.

by Anonymousreply 3907/01/2012

R39 Solution number one.

Social medicine paid for via taxes.

No other solution is needed.

by Anonymousreply 4007/01/2012

But r39, plenty of people want option #2.

by Anonymousreply 4107/01/2012

Please vote wisely in Nov.

by Anonymousreply 4207/01/2012

[quote]So this is great why? I'm sorry, I'm really confused. Why is making everyone buy health insurance a great thing?

The immediate issue is getting everyone some sort of coverage. Too many people slipped through the cracks which introduced too much uncertainty and cost shifting overall. The ACA is a way to get a handle on that, although it's incomplete, and single-payer financing (aka HR 676 or Medicare for All) would do it much better.

The real question is why congress refused to even *discuss* single payer as an option/solution. Obama campaigned on having a public option, but congress would not even discuss it.

by Anonymousreply 4307/01/2012

[quote]Why would they do that? Don't be an idiot.

Why wouldn't they? My company pays 550 a month for my coverage. 6,600 a year vs the fine of 2000 for dropping coverage. So they can save 4600 a year by dropping coverage for a single man. Multiply that by 940 employees factor in the additional cost for family coverage.

They can save a shit load of cash by dropping coverage.

by Anonymousreply 4407/01/2012

Obama, Biden and the Dems need to get some catchy phrases in place and repeat the hell out of them. Like it or not, the ACA decision gave the Repubs an issue to rally around. The Dems better be ready starting now to market, market, market the daylights out of ACA.

Which, yes, I think is a good idea as a first step, though I really would have preferred the public option. But I'll take this. For now.

by Anonymousreply 4507/01/2012

Using that logic, R44, your company would've stopped paying for your healthcare before now and would have been saving that $550/mo. per employee.

Companies pay their employees' health insurance because it's good business. It's a way to attract and retain the best employees. That's not changing.

So, your company continues to pay what it pays now, has no penalty, and uses those costs to evaluate adding more employees when the time comes.

by Anonymousreply 4607/01/2012

I've got a serious health issue. I'm low income. I'm uninsurable. I've been thrown off the (voter approved and mandated in 2000!) Medicaid expansion in Arizona, thanks to the sociopathic Jan Brewer.

I'm trying to ride out the unfortunate 6mo. waiting period for ObamaCare's pre-existing PCIP, which I'll barely be able to pay. I'm making plans to exit the God-forsaken state I was born in if Jan fucks with the Medicaid expansion in 2014, selling my house of 20 years and moving on.

I'm sad that the Supremes will let the state continue their social Darwinism...a war against the a variety of 'undesirables' including the low income...that is currently having such tragic effects.

by Anonymousreply 4807/22/2012

Is it fixed yet? I really need insurance bad.

by Anonymousreply 7211/21/2013

What is F&F? Also ww? I've been participating here for a few months, but can't figure out these things. Thanks.

by Anonymousreply 7311/21/2013


When someone posts something you agree with, you click the W&W tab.

When someone posts something that challenges your worship of the government, or something that challenges your prejudices - then press F&F and any discussion that forces you to reconsider those beliefs will be deleted!


by Anonymousreply 7411/22/2013

Ok, thanks, ...I guess.

by Anonymousreply 7511/22/2013

Enjoy being poor, R76

by Anonymousreply 7711/22/2013


Do you get it?

by Anonymousreply 7811/24/2013

Not really. I'm using an iPad, and nothing seems to happen when I press either notation.

by Anonymousreply 7911/24/2013


It should pop up and say "flag saved" when you hit FF or W&W on an iPad.

by Anonymousreply 8011/24/2013


by Anonymousreply 8111/25/2013

I do get the "flag saved" message, but what does that mean? It doesn't seem to have any effect.

by Anonymousreply 8311/25/2013

It wont do any more than that

by Anonymousreply 8411/25/2013

Question. Some retailers make you wait 6 mos to a year to get insurance. Does nat healthcare change this?

by Anonymousreply 8511/25/2013

This issue continues to be a decisive lightning rod. You are either violently for or against it.

by Anonymousreply 8611/25/2013


by Anonymousreply 8911/29/2013

Nov 30! Is it running?

by Anonymousreply 9011/29/2013

So, when a page takes 5 minutes to load and you press F5/'s user error.

by Anonymousreply 9112/02/2013

Yes, R93

The millions of people who lost their insurance did it to fuck up your nappy ass hair.

by Anonymousreply 9412/05/2013


by Anonymousreply 9512/12/2013

Just wrote a check for 1400.00 today.

by Anonymousreply 9712/21/2013

4 Million people lost insurance coverage this year because of government regulations.

1 million people signed up for insurance due to regulation.

Government power in action!

by Anonymousreply 9912/27/2013

Why doesn't the Obama administration work to get people jobs so they can get insurance inexpensively through an employer? And use "Obamacare" as just a fall-back plan, to replace the egregious COBRA?

Why why why doesn't he do anything but go to Hawaii and surf?

by Anonymousreply 10012/27/2013

Stop bumping this thread, it is very embarrassing.

by Anonymousreply 10212/28/2013

the middle class is being hurt the most by obamacare. Th middle aged people are forced to pay for a lot of shit they don't need or will never use. The young healthy group is forced to buy insurance or pay a fine. It now appears that a huge portion will pay the fine.

That Pelosi bitch told us that we could find out what was in the bill after is was passed and well, we've now learned what was in the bill and it's a disaster,

by Anonymousreply 10312/28/2013

Let's start a tally of what actually launched on time and what had to be delayed because of government incompetence.

Government is the problem, not the solution.

by Anonymousreply 10412/28/2013

The sign-up rate for Obamacare health insurance might be dropping off steeply in February, as it becomes clear that total enrollment to date is likely 20 percent or so less than the 3.3 million touted by federal officials this week. "I'm hearing the enrollment in February is falling off significantly," said consultant Robert Laszewski, president of Health Policy and Strategy Associates in Washington, who is in close contact with major insurance companies.

While cautioning that it was still too early this month to make predictions for what total Obamacare enrollment for February will end up being, Laszewski said, "anecdotally, the trend is probably running at 50 percent of what we had in January."

The Obama administration said Wednesday that nearly 1.15 million people had selected Obamacare plans from government-run health exchanges in the month of January, bringing to total sign-ups as of Feb. 1 to 3.3 million.

Laszewski said that if February's trend continues—and if the relatively high rate of people not paying for the plans they chose continues—he doesn't expect there is much hope for the administration to meet a revised goal of hitting 6 million people enrolled by the close of open-enrollment on March 31.

by Anonymousreply 10502/25/2014

The MSNBC article.

by Anonymousreply 10602/25/2014

"I don't see the momentum there right now," Laszewski said. He noted that an estimated two-thirds of enrollees through January were people who previously had insurance, and who presumably were buying Obamacare plans to replace the ones they had lost because they were no longer compliant with Affordable Care Act minimum standards.

So, sick people are signing up, while healthy people abstain.


by Anonymousreply 10802/25/2014

And a lot of docs in CA & MA & NY are refusing to see obamacare patients.


What happens when NO docs will see obamacare patients?

by Anonymousreply 10902/25/2014


The plans purchased via state exchanges are explicitly labeled as such. Docs can see those plans and refuse to accept those patients.

by Anonymousreply 11202/25/2014


What happens when a de facto 2 tier system evolves- those with cash only plus catastrophic insurance and the people too stupid to buy good insurance?

by Anonymousreply 11302/26/2014


Quit calling yo momma a chicken.

by Anonymousreply 11602/28/2014

Obamacare is still struggling to sign up young people. In order to offset the high cost of the older, and probably less healthy people who are joining Obamacare plans, the White House must coerce a sufficient number of thirty-somethings to also join. Problem is, the health plans are too pricey to make economic sense for many young adults.

Just how costly are the Obamacare plans for young beneficiaries?

We ran the numbers. Here are our results:

Overall, the Federal government reports that 32% of on-exchange enrollees as of March 1st are under the age of 34. And many of these are teenagers who are part of family policies, not the young yuppies that Obamacare is fervently targeting. Earlier estimates showed only 20% of enrollees were between the ages 18 and 34.

The final number of young enrollees is well below the required cohort. Premiums will rise next year as a result of the adverse selection of older, and probably less healthy consumers. Why are young adults staying away? In one word, economics.

Obamacare is asking young adults to effectively subsidize the healthcare costs of older Americans. So far, Millennials are resisting this age-based transfer of wealth. Many are clearly opting instead to remain uninsured, or else they are buying cheaper health plans that don’t conform to Obamacare’s regulatory dictates.

My AEI colleague Kelly Funderburk and I looked at four states: Arizona, Illinois, Pennsylvania, and Texas. We then looked at a typical 30-year-old at one of six different annual income brackets: $20,000 in annual income, $25K, $30K, $35K, $40K, and $45K. For each of the four states, we computed how much an Aetna AET +0.94% Classic Silver plan would cost the same 30-year-old at each of these six income bands. We looked at monthly premiums, deductibles, and out of pocket limits. We chose the Aetna plan because it is generally considered a higher quality insurance, operated across all of these markets, and represented a median price point among the offerings.

Look at our numbers (laid out in the charts below) and you’ll see why so many Millennials have Obamacare sticker shock. Someone, for example, earning $25K annually in Arizona will pay $2,424 in total monthly premiums for Obamacare (10% of their annual income) and still be stuck with a $4,000 deductible and a $5,200 cap on their out of pocket costs. The same person in Illinois will pay $3,576 in annual premiums, and in low cost Texas $2,460.

by Anonymousreply 11803/29/2014


Unless more people under 40 enroll this will get even worse.

by Anonymousreply 11903/29/2014


Please get a job.

by Anonymousreply 12003/29/2014

Why did Obama get the liar of the year award

by Anonymousreply 12103/30/2014

Facebook handles 50x the traffic, but Healthcaredotgov can't?


Starting about midday New York time, users weren’t able to create new applications because of the number of people trying to use the website. Visitors to the health insurance exchange are being directed to a queuing system that asks them to provide an e-mail address so they can be contacted when traffic slows.

"There are a record number of people trying to access right now -- more than 100,000 people concurrently in the system as of noon,” Aaron Albright, a spokesman for the U.S. Centers for Medicare and Medicaid Services, said in an e-mail. “The application and enrollment tools are unavailable to new users at the moment. The tech team is working to resolve the issue as quickly as possible. Users already in system remain able to complete enrollment.”

The agency pulled the website out of service earlier today after a software bug was discovered during the 1 a.m. to 5 a.m. regularly scheduled maintenance of the site.

by Anonymousreply 12203/31/2014


by Anonymousreply 12404/01/2014

The White House has done an awful job narrating & spinning public opinion for the Affordable Care Act. It's astounding just how misinformed people are about it. The Republicans did a great job rallying dissent with the name "Obamacare".

Is a public/ private health insurance market exchange that antagonizing? A genius hybrid of corporate welfare and working class handout if you ask me.

A single payer universal system would have been more effective though. . This is a big-govt and high-taxes paranoid country so nationalized public insurance would never happen. Too extreme. Too socialist. Too tyrannical.

by Anonymousreply 12504/01/2014

BREAKING!!!: New legislation will soon require all Americans to have pre-need funeral arrangements. The deadline to enroll in the new funeral benefits being offered through the same website is October 31 and will be known as EnbalmaCare.

by Anonymousreply 12904/01/2014


by Anonymousreply 13004/28/2014

It just gets worse.

Look at the VA scandal- that is the future of government health care.

by Anonymousreply 13105/31/2014

Just got our group health renewal for next year. The company has Blue Cross.They said the premiums are going up 15%!!!!

Fuck you Obamacare!! I gotta pay for all the druggies,breeders,unemployed flunkies.

by Anonymousreply 13209/25/2014

Healthcare insurance costs as a percentage have been rising by double digits yearly, for years. This is just the continuation of the trend that has nothing to do with Obamacare. Perhaps you have higher costs that usual because your company employes more hopelessly stupid people than other companies? That would increase your rates and explain everything.

Insurance costs on average have increased at a far LOWER rate this year, than they have been in the years before Obamacare. You're welcome.

by Anonymousreply 13309/25/2014
Need more help? Click Here.

Follow theDL catch up on what you missed

recent threads by topic delivered to your email

follow popular threads on twitter

follow us on facebook

Become a contributor - post when you want with no ads!