Health Insurance Reform
American Cancer Society hypes ObamaCare
The American Cancer Society has released a study that it says shows that young uninsured people are more likely to have late stage cancers than their insured peers are, but the study makes little sense. The news release is basically a public relations gambit designed to convince younger people that they should sign up for the terribly expensive and poorly designed ObamaCare (ACA).
Health insurance • Health Care Polls • Health Insurance Reform • Uninsured • (0) Comments • Read More
CMS Obama Democrats making Medicare Part D drug program more expensive for seniors
Health insurance • Drug Costs • Health Insurance Reform • Medicare • Healthcare Providers • Drug Chains, PBMs • Read More
Poverty traps: Medicaid, food stamps, unemployment compensation, Social Security disability benefits
ObamaCare is what Rep. Paul Ryan (D-Wis.) accurately calls a "Poverty Trap".
Health insurance • Fraud and Abuse • Health Insurance Reform • Medicaid • Uninsured • Read More
15 questions Republicans are asking gubernatorial candidates
The audience at the North Suburban Republican Forum had about 15 questions last Saturday for the three candidates for the GOP’s nomination to challenge Gov. John Hickenlooper next November. These same questions probably are being asked around the state as the candidates work to visit all 64 counties even though only about 12 counties have most of the votes.
Colorado • Budget • Elections '14 • Brophy • Hickenlooper • House • Kopp • Energy • Interviews, Audience Questions, Answers • Health insurance • Health Insurance Reform • Medicaid • Immigration Reform • Taxes • Read More
Mark Udall should have easy win over Ken Buck, Amy Stephens, Own Hill; he’s blowing it on ObamaCare
Sen. Mark Udall should easily beat one of the Republicans who are seeking the GOP nomination to take him on—Ken Buck, Amy Stephens or Owen Hills.
Colorado • Elections '14 • Buck • Hill • Stephens • Udall • Energy • Health insurance • Health Insurance Reform • Read More
What people who don’t buy ObamaCare (ACA) can do to manage self insurance risks
Smart young people who don't have pre-existing medical conditions are deciding to self insure rather than enroll in hugely expensive insurance plans sold on ObamaCare (ACA) health exchanges. If they self insure, I think they should understand their risks and know how to deal with a huge medical bill if they are hurt in an accident or are stricken by an expensive illness. Some ideas:
Ethics • Health insurance • Community Rating • Health Insurance Reform • Individuals • Healthcare Providers • Hospitals • Read More
RNC, GOP should not sell out to U.S. Chamber of Commerce, The Business Roundtable
Republicans won't win elections with candidates who are just sound bite specialists and empty suits and who sell out to the U.S. Chamber of Commerce and the Business Roundtable.
Campaign Mgmt • Ethics • Trust • Health insurance • Health Insurance Reform • Immigration Reform • Taxes • Read More
Real fixes for ObamaCare (Affordable Care Act)
Congress and pundits are proposing shallow, ineffective fixes for ObamaCare, which is the nickname for the Affordable Care Act. Of course, ObamaCare is just as unaffordable as expected by those who read at least parts of the act and wrote about it in 2009 and 2010. I've written several times about how I think ObamaCare should and could be fixed if only Obama wanted to fix it. Here's my latest version, which I posted in the comments section of http://www.nationaljournal.com below an article: Why ObamaCare isn't so easily fixed, by Sam Baker:
Health insurance • Health Insurance Reform • Medicaid • Preventive Care • Medicare • Read More
Why are individuals’ health insurance premiums soaring on ObamaCare exchanges, healthcare.gov?
So far, neither President Obama nor Congress have proposed real fixes for ObamaCare. There is a lot of grandstanding going on while people who've been notified that they will have to find new health insurance plans sit and worry about what will happen after Dec. 31 when their current plans will be cancelled.
I'm pretty well convinced that Obama and HHS Sec. Kathleen Sebelius have the power to rewrite what The Wall Street Journal editorial pages says are changes in eight regulations so that insurers and state insurance commissioners can decide whether current health insurance polices can be renewed. Many states are trying to get insurers to extend the policies that have been cancelled as required by the regulations that were written as far back as 2010 by Sebelius. More states aren't going along with the Obama nonfix.
Putting asside the constitutional questions about the changes in the Sebelius rules, I have some more thoughts and questons:
Health insurance • Community Rating • Health Insurance Reform • Individuals • Preventive Care • Uninsured • Permalink
Until ObamaCare (ACA) law is changed, it can’t be “fixed”
Health insurance • Community Rating • Fraud and Abuse • Health Insurance Reform • Medicaid • Preventive Care • Permalink
Obama will call trillion dollar ObamaCare (ACA) a success; GOP will call it a failure
Obama will call whatever happens to his multi TRILLION dollar wealth transfer program that is known as ACA or "ObamaCare" a "success".
Republicans will call it a failure.
Consumers will vote with their dollars and their votes in future elections. Congressmen who are overwhelmed with constituent calls complaining about ObamaCare will have their opinions.
As one who was writing editorials and columns advocating competition in health care markets in the 70s, 80s, 90s and 2000s, the exchanges look ok until you realize that local markets are now monopolized by a few providers and insurers who have no reason to get into price wars.
As a believer in high deductibles for those who can afford them, I worry about the high deductibles for the subsidized poor enrollees in ObamaCare. I'm thinking we may see a new surge of medical bankruptcies as the subprime enrollees decide that they don't need to pay their deductibles just as they have used bankruptcy courts to get out of paying their medical bills.
Finally, the exchanges are untested and won't be secure, accurate and workable for months, if not years. How may people will have to be screwed and frustrated by the exchanges to get them fixed?
Who will fix them?
The government that still has millions of workers using 10-year-old PCs?
Health insurance • Health Insurance Reform • Permalink
9 tips on how to use your new state health insurance exchange
Millions of insured, underinsured and uninsured Americans are being told by President Obama to sign up for very expensive health insurance plans that will be offered on states' health insurance exchanges beginning Oct. 1.
As expected, newspapers, magazines, broadcasters and cable TV networks are trying to win some new readers and viewers by offering advice on how to use the exchanges and how to pick the health insurance plan that will be best for them. Most of them are and will be misleading consumers.
My suggestions, which are based on years of blogging against and about ObamaCare and reading numerous articles and comments about the Affordable Care Act (ACA), follow:
1. Exchanges probably will give more choices of insurers in urban markets than in rural markets where only one insurer may be available. That could make rural insurers more expensive.
2. You will have a choice of deductible plans. Chose a plan that involves deductibles and copays that you can pay off in a year or so at your current income.
3. Many state insurance exchanges won't be fully functional on Oct. 1, and nobody can predict when they will be bug free and give you accurate price quotes on your premiums, copays and deductibles.
4. Health insurance brokers and people certified as "navigators' will be as intimidated by ObamaCare as you are. Don't rush to signup. Give the exchanges, brokers and "navigators" time to learn at the expense of other people.
5. While the government is inviting you to lie on your applications about your income and other variables, remember that sooner or later the IRS will come after you. Violating federal laws is a big deal.
6. Don't believe much of what you see and hear on ABC, NBC, CBS or CNN. They are in the business of selling ObamaCare and making Obama look good. They're serving Obama, not you. The article published recently by WSJ.com shows the same kind of pro-ObamaCare optimism that should be taken with huge grains of salt.
7. Carefully calculate whether you can go wiithout ObamaCare insurance until you have a catastrophic financial loss due to a sickness or accident. Enrollment periods last only six months. That could mean that if you need insurance outside the enrollment period, you won't be able to buy it when you need your free lunch.
8. ObamaCare covers a lot of worthless preventive care and wellness care services for the worried well. The literature warns that such services too often give false positives and result in unnecessary procedures that could do more harm than good. But if you have pre-existing conditions that require wellness or preventive care services, use them. See my previous post.
9. If your health insurance premiums and deductibles seem unaffordable, Obama will be happy to see you stop smoking, skipping your daily Starbucks, canceling your health club and cable TV contracts and keeping your old vehicles for four or five more years than you otherwise would. And you really don't have to buy that new home, appliance, smart phone, computer or mattress.
State insurance exchange blind spots: Unknown risks and unintened consequences, by Seth Kneller. The Health Care Blog.
Will ObamaCare Survive? Nine key questions, by Robert Lazewski. The Health Care Blog.
Health insurance • Buying Insurance • Health Insurance Reform • Individuals • Preventive Care • Mutual Funds • Permalink
Wellness programs are being exposed as big time and money wasters
Al Lewis and Vik Khanna write on The Health Care Blog that corporate wellness programs imposed by clueless CEOs and personell departments have been huge time and money wasters.
The Summer of Wellness's Discontent, by Al Lewis & Vik Khanna, The Health Care Blog.
Preventive care, cancer screenings are costly and can hurt more people than they help, by Donald E. L. Johnson, The Business Word.
Employee Benefits • Health insurance • Health Insurance Reform • Preventive Care • Permalink
10 fixes for ObamaCare; Speaker Boehner has to get real
House Speaker John Boehner (R-OH) should include the 10 fixes for ObamaCare in the bill that he announced he will have the House vote on next week.
If the House bill doesn't include fixes for ObamaCare that are being demanded by both Republicans and Democrats, it's a political fraud.
1. Remove provisions that give DHHS the power to give special treatments to unions and other Obama Democrats, the power to dictate insurance premiums and premium increases and the power to manipulate health insurance benefit designs.
2. Remove provisions that are causing employers to shorten work weeks to less than 30 hours and keep their payrolls under 50 people.
3. Remove mandated benefits that make ObamaCare plans unaffordable for all but those who will be subsidized by the federal government.
4. Remove the "death panels" that will decide without political review what will be covered and what won't be under ObamaCare.
5. Ban state laws that will make it unlawful for small and large companies and unions' Taft Hartley plans to self insure and buy stop loss reinsurance.
6. Remove the corrupt IRS from the role of enforcing ObamaCare rules.
7. Remove all pork that makes ObamaCare a multi-trillion dollar loser. The real positive provisions in ObamaCare can be implemented for less than $20 billions, not trillions.
8. Remove all provisions that fund immoral, unethical and dishonest government promotions of ObamaCare to clueless consumers.
9. Remove funding for worthless wellness and preventive care programs.
10. Remove the 37 new government agencies that are created under ObamaCare.
Health insurance • States' Health Legislation • Health Insurance Reform • Preventive Care • Permalink
Who do we blame for ObamaCare, the unAffordable Care Act? Big Government corrupts
Who do we blame for soaring health insurance premiums?
You can blame AARP, health insurers, doctors and hospitals and the politicians that they paid with campaign contributions to distort the health insurance and health care markets.
And you can blame uninformed, unorganized and powerless voters for letting the Henry Waxmans of Congress and every president since JFK for making it all go wrong.
Health care is big money and big government.
Big government spends big money.
Big money in the hands of Big Government corrupts.
Big government corrupts politicians, campaign contributors, drug companies, hospital administrators, physicians and regulators who have anything to do with distorting our health insurance and health care markets.
That's why America's huge government is and looks so corrupt. We're a third world country now.
Congress 113th • Ethics • Trust • Health Care Providers • Health insurance • Fraud and Abuse • Health Insurance Reform • Individuals • Medicaid • Medicare • Healthcare Providers • Hospitals • Permalink