Obamacare: A Deception - A Detailed Analysis - Paul Craig Roberts [Archive]

mamboni

13th October 2013, 09:24 PM

Obamacare: A Deception

Introduction by Paul Craig Roberts

The article below is the most comprehensive analysis available of “Obamacare” – the Patient Protection and Affordable Care Act. The author, a knowledgeable person who wishes to remain anonymous, explains how Obamacare works for the insurance companies but not for you.

Obamacare was formulated on the concept of health care as a commercial commodity and was cloaked in ideological slogans such as “shared responsibility,” “no free riders” and “ownership society.” These slogans dress the insurance industry’s raid on public resources in the cloak of a “free market” health care system.

You will learn how to purchase a subsidized plan at the Exchange, what will happen when income and family circumstances change during the year or from one year to the next, and other perils brought to you by Obamacare. It is one of the most important articles that will be posted on my website this year. Americans will be shocked to learn the extent to which they have been deceived. The legislation neither protects the patient nor are the plans affordable.

The author shows that for those Americans whose income places them between 138% and 400% of the Federal Poverty Level, the out-of-pocket cost for one of the least expensive (lower coverage) subsidized policies ranges from 2% to 9.5% of Modified Adjusted Gross Income (MAGI), a tax base larger than the Adjusted Gross Income used for calculating federal income tax.

What this means is that those Americans with the least or no disposable income are faced in effect with a substantial pay cut. The author provides an example of a 35 year-old with a MAGI of $27,925. The out-of- pocket cost to this person of a Silver level plan (second least expensive) is $187.33 per month. This cost is based on pre-tax income, that is, before income is reduced by payroll and income taxes. There goes the car payment or utility bill. The lives of millions of Americans will change drastically as they struggle with a new, large expense – particularly in an era of no jobs, low-paying jobs and rising cost of living.

The author also points out that the cost of using the mandated policies will be prohibitive because of the large deductibles and co-pays. Many Americans will find themselves not only with a policy they can’t afford, but also with one they cannot afford to use. Those who cannot afford the insurance, even with a subsidy, will be faced with a costly penalty, and in many cases, this, too, will be difficult, if not impossible, to pay. As each year’s subsidy is based on last year’s income, there will be a substantial year-end tax liability for those who must repay the subsidy in whole or part because their income increased during the year. The stress alone from such a regressive scheme is, without a doubt, not conducive to good health and well-being.

Diets will worsen for millions of Americans as they struggle with a new large expense. Thus, the effect of Obamacare will be to worsen the health of millions. Indeed, a “glitch” in the legislation allows millions to be priced out of coverage. http://www.huffingtonpost.com/2013/01/30/obamacare-glitch-priced-out-of-health-care_n_2585695.html?view=print&comm_ref=false
(http://www.huffingtonpost.com/2013/01/30/obamacare-glitch-priced-out-of-health-care_n_2585695.html?view=print&comm_ref=false)
Alternatively, Americans might be able to acquire health insurance coverage but have no doctors willing to treat them. http://www.californiahealthline.org/road-to-reform/2013/access-denied-implications-of-medi-cal-pay-cut.aspx# (http://www.californiahealthline.org/road-to-reform/2013/access-denied-implications-of-medi-cal-pay-cut.aspx#)[1]
The demand that Obamacare places on household budgets in which there is no slack makes me wonder where the president’s economists were while the insurance lobby crafted the product that serves the profits of insurance companies. Two well-known economic facts are that real family income has been stagnant or declining for a number of years and Americans are over their heads in debt.

How does Obama preside over a recovery when consumer purchasing power is redirected to insurance company profits?
Obamacare not only rations health care by what a person or family can afford, but also has implications for Medicare patients. Hundreds of billions of dollars are siphoned from Medicare to help pay the cost of Obamacare. The health care provided to Medicare patients will decline with the reduced payments to care providers. Health care seems destined to be rationed according to the age and illnesses of Medicare patients. Those judged too old and too ill could be denied expensive treatments or procedures that would prolong their lives.

Obama will rue the day that his name was put on this special interest legislation, and most Americans, once they realize what has been done to them, will be angry that special interests again prevailed over the health of the nation.

OBAMACARE: DEVILS IN THE DETAILS

The Patient Protection and Affordable Care Act of 2010, commonly referred to as the ACA or Obamacare, will go into full effect in 2014. This decree mandates that all Americans must purchase and maintain government-approved health insurance or pay a penalty to the IRS. Touted as a plan to provide all Americans with access to medical care, in reality, this compulsory shakedown commands everyone to purchase insurance that for many will be too expensive, even with government subsidies – or unaffordable to use – or both.
The ACA was not selflessly designed with the intent of providing affordable and equitable medical services to those in need, but rather to acquire taxpayer money for the private insurance companies under the seemingly helpful guise of health care and the ideological excuse of personal responsibility. It takes money from ordinary people and gives it to a medical insurance industry that profits handsomely from this legally-enforced corporate welfare – all while keeping Americans locked in the same broken system that puts profit before patients. The law was essentially written by business executives from the industry so that special interests would not be upset and profits assured.

There’s a lot to digest about how the ACA works and much is buried in a complex, convoluted maze of regulations and procedures. A few websites contain explanations, but very important details have either been left out or glossed over. These details are well worth understanding so you will know what’s at stake for you and your family. This lesson is not meant to convey a political opinion. This is how the ACA works and under this law, there are no sacred cows.

In today’s lesson, you will learn why 2013 is an important year for many of you with regard to your income and the ACA. We will discuss 1) use of Modified Adjusted Gross Income, 2) tax credits (help paying for insurance), 3) your share of the premium, 4) paying back the tax credits to the IRS, 5) expansion of Medicaid and estate recovery which could affect you if you are put into that plan, 6) inadequate coverage in most subsidized plans, 7) penalties, 8) exemptions and 9) a few tidbits. We’ll also take a look at the agenda of Enroll America and the Health Insurance Exchanges, and what you can expect to hear in the very near future.
Here we go. Fasten your seat belts.

1. HEALTH INSURANCE EXCHANGE BASICS

In 2014, each state will have an Affordable Insurance Exchange where qualified individuals and families with incomes between 138 and 400 percent of the Federal Poverty Level (FPL) can shop for commercial insurance policies. Most individuals and families with incomes at or below 138 percent FPL will be put into Medicaid. You may be eligible for help paying for your insurance in the form of a tax credit. In most states, the Children’s Health Insurance Program (CHIP) will continue to cover children in families with incomes up to at least 200 percent FPL. Some states may offer a Basic Health Plan for those who earn up to 200 percent FPL and are not eligible for Medicaid. Under limited circumstances, you may also be eligible for a cost-sharing credit.

Eligibility to receive a tax credit, the amount of your tax credit and your out-of-pocket share for the insurance will be determined by your income and where you fall in the Federal Poverty Level Guidelines (FPL). This is easy to understand.
Your annual gross income determines which FPL you’re in. For example, based on 2012 FPL Guidelines, an individual with an annual income of $33,510 is at 300 percent FPL; a family of 4 with an annual income of $69,150 is at 300 percent FPL. To see where you’re at, try the handy calculator at this link. FPL Guidelines are revised every January, so the 2013 edition should be up soon.
http://www.safetyweb.org/fpl.php [2]

The ACA requires use of MODIFIED ADJUSTED GROSS INCOME (MAGI) instead of Adjusted Gross Income for all determinations made by an Exchange including eligibility for Medicaid except in certain cases. So, in this lesson, we’ll refer to annual income as MAGI.
Modified Adjusted Gross Income (MAGI) is defined as Adjusted Gross Income PLUS

a) all tax exempt interest accrued or received in the taxable year;
b) the non-taxable portion of Social Security benefits provided under Title II of the Social Security Act which includes old-age benefits, disability benefits, spousal benefits, child benefits, survivor benefits and parental benefits;
c) tier 1 Railroad Retirement benefits that are not includible in gross income; and
d) the exclusion from gross income for citizens or residents living abroad.
The adoption of MAGI, created by the ACA, is defined in a new section of the IRS code.

2. DETERMINING ELIGIBILITY FOR A TAX CREDIT

The tax credit is to help you pay for insurance. The ACA says it must be based on annual income for the tax year it’s received, but since you will need help paying for your plan during that year, the ACA allows for advance payment of the tax credit.
Here’s an example of what that means: Let’s say you apply for insurance at an Exchange in 2014. Therefore, 2014 is the tax year you will receive your tax credit, and per the ACA, the amount you receive must be based on that year’s MAGI. But, that year’s MAGI won’t be available until 2015 when you file your 2014 tax return and you need help paying for your insurance plan when you buy it in 2014. So, the amount of your tax credit has to be determined on information that is available such as your prior-year (2013) tax return. Thus, the tax credit morphs into an ‘advance payment of the tax credit’ (also referred to as an advance premium assistance credit). Now you see why 2013 is an important year for many of you.

The ACA allows for limited disclosure of tax return info in order for an Exchange employee to verify your citizenship status and MAGI, and, not only to let you know how much your advance tax credit will be, but also to see if you are eligible to receive this in the first place. An Exchange can also consider using your real-time income by looking at your state’s most current quarterly wage database, or it may agree to accept paper verification (pay stubs, etc.) as a last resort or an attestation of your income with no verification. Creation of a federal ‘data services hub’ is in the works so your income information will be more readily accessible. But, no matter how this plays out, you’ll still receive an advance payment of the tax credit because your actual MAGI for 2014 will not be known by you nor can it be verified by an Exchange until you file your 2014 tax return in 2015.

Ultimately, no matter which method is used – prior year or partial current year – this advance payment of the tax credit carries with it some heavy-duty consequences which are discussed in topic 4 of this lesson.

3. TAX CREDITS AND YOUR SHARE OF THE PREMIUM

The amount of your tax credit will be based on the second lowest-cost Silver plan in the area where you live and your MAGI. Here’s how this works – it’s quite simple:

a) First, the amount you will pay out of your pocket for that Silver plan – copays and deductibles not included – will be a specific percentage of your MAGI, and you will pay this to the insurer on a monthly basis. The way this percentage will be calculated is described a few lines down.
b) Next, your share will be deducted from the cost of that Silver plan and the difference will be your tax credit which the government will pay directly to the insurer on a monthly basis when you purchase a plan.
The specific percentage you will have to pay for the second lowest-cost Silver plan will be based on your FPL using a well-greased sliding scale. As your FPL increases little by little, the percentage you will pay increases. The same percentage applies to an individual or a family. Here’s how much of your MAGI you will pay for that Silver plan:
— up to 138 % FPL: 2% for people legally present less than 5 full years and residents of states that do not expand Medicaid
— 138-150% FPL: 3 to 4%
— 150-200% FPL: 4 to 6.3%
— 200-250% FPL: 6.3 to 8.05%
— 250-300% FPL: 8.05 to 9.5%
— 300-400% FPL: 9.5% – there’s no range, but the dollar amount of your share will change because 9.5% of a lower MAGI is less than 9.5% of a higher MAGI.

Here are two examples in dollars using 2012 FPL Guidelines and an estimate for a second lowest-cost Silver plan which will vary depending where you live – actual costs are not yet available:

a) You are 35 years old and the price of the second lowest-cost Silver plan for an individual in the area where you live is $4,750 with no tax credit. If your MAGI is $33,510 ($2,792.50 per month) putting you at 300 percent FPL, your share for that Silver plan, per the chart above, would be 9.5 percent of your MAGI which comes to $3,183 ($265.25 per month). Your tax credit would be $1,567 which is the difference between the unsubsidized cost of that Silver plan and your share.

b) You are 35 years old and your MAGI is $27,925 ($2,327 per month) putting you at 250 percent FPL, so, your share of that Silver plan would be 8.05 percent of your MAGI which comes to $2,247.96 ($187.33 per month) and your tax credit would be $2,502.
If the second lowest-cost Silver plan is too expensive, you can apply your tax credit to a Bronze plan which will be cheaper but less comprehensive. If you want a better plan than the Silver, you will have to pay the full difference in the premium.

Don’t forget that your share of the monthly premium will be figured on your MAGI which is pre-tax income. So, after you deduct your income taxes and your share of an insurance plan, will you be able to cover your monthly basic living costs including paying off debt you may owe and still have some cash left to pay for medical care if you have to use your insurance? Check out topic 6 in this lesson for a rundown of plans and coverage you can expect to find at an Exchange. Hope you don’t faint.

Once you purchase a plan, your share and your tax credit won’t change until the next enrollment period unless, before that time, your income goes up or down enough to bump you into a different FPL or you get a job with insurance. You can let your Exchange know by phone or via your online account, or, your Exchange might notice while cruising the data services hub you learned about in topic 2 and notify you that you must ‘up’ your coverage or that you’ve been tossed into Medicaid if your MAGI has decreased enough to make you eligible for that plan. Exchanges will be encouraged to use as many different avenues as possible including private databases to keep tabs on your income.

Thus, you could end up bouncing from Medicaid to a subsidized plan or vice versa. By the same token, you could take some extra work to help pay the bills or to save for a vacation, and, oops, you went over 400 percent FPL and are no longer eligible for a tax credit. The Exchange may not find out about this unless you spill the beans, but, no matter how it all plays out, income changes will catch up with you when you file your tax return.

To be eligible for a tax credit you must file your tax return no later than April 15. Married taxpayers must file a joint return. Individuals who are listed as dependents on a return are ineligible for a tax credit.
If you are eligible for Medicaid, you will not be allowed to receive a tax credit or a cost-sharing credit although some states impose premium and cost-sharing charges on certain Medicaid enrollees per the Deficit Reduction Act of 2005 (DRA) and clarified in the Tax Relief and Health Care Act of 2006.

On January 22, 2013, the Centers for Medicare & Medicaid Services (CMS) proposed allowing states to further increase Medicaid premiums and out-of-pocket costs by 5 percent. The most egregious part of this proposed rule says that states may allow providers to deny services for failure to pay the required cost-sharing in certain circumstances. The Obama administration is behind this proposed rule hoping to persuade states to expand Medicaid since many have refused and others are still undecided – the expansion of Medicaid is an integral part of the ACA. Allowing states to further increase premiums and cost-sharing for the poorest segment of the population underscores the existing political bias toward low-income Americans despite rhetoric which claims otherwise.

https://www.federalregister.gov/articles/2013/01/22/2013-00659/medicaid-childrens-health-insurance-programs-and-exchanges-essen- tial-health-benefits-in-alternative#h-186 (https://www.federalregister.gov/articles/2013/01/22/2013-00659/medicaid-childrens-health-insurance-programs-and-exchanges-essen- tial-health-benefits-in-alternative#h-186)[3]
http://www.nytimes.com/2013/01/23/health/medicaid-patients-could-face-higher-fees-under-a-proposed-federal-policy.html
(http://www.nytimes.com/2013/01/23/health/medicaid-patients-could-face-higher-fees-under-a-proposed-federal-policy.html)

Affordability rates (the percentage of your MAGI the government has decided you can afford to pay for insurance) are based on boardroom formulas which don’t take particular individual needs into account such as housing costs, property taxes, debt, education, transportation, retirement savings, etc. Also, FPL Guidelines are standard across the country and do not take into consideration those who reside in a more expensive region or vice versa. They are one-size-fits-all with the exception of Alaska and Hawaii. See topic 8 in this lesson to learn about exemptions.

Check out what self-proclaimed health care expert Jonathan Gruber says about affordability and get a load of all the “formulas.” According to Mr. Gruber, you may be having too much fun in life and need to get serious, buy health insurance and live under a rock in order to pay for it. He was involved with Romneycare in Massachusetts and was also Mr. Obama’s go to man under a no-bid contract. Per a bar graph on page 6 of a report prepared by Stan Dom for the Urban Institute, subsidized plans under the ACA are estimated to cost 2 to 3 times more (give or take) than the subsidized plans under Romneycare. Per several surveys during the years that Romneycare has been in effect, many low and modest income MA residents have had difficulty paying for those plans and the out-of-pocket costs to use the insurance, particularly chronically-ill residents.

http://ebookbrowse.com/1493-gruber-will-affordable-care-act-make-hlt-ins-affordable-reform-brief-v2-pdf-d124754327 [4]
http://www.statecoverage.org/files/TheBasicHealthProgramOptionUnderHealthReform.pdf (http://www.statecoverage.org/files/TheBasicHealthProgramOptionUnderHealthReform.pdf)[5]

4. PAYBACK OF TAX CREDITS TO THE IRS

Perhaps you recall hearing politicians including Mr. Obama say if you can’t afford to pay for health insurance, the government will help you. That was one of the key talking points repeated non stop. We just went over the help part – the tax credits. Now we’ll look at what Mr. Obama et al didn’t tell you which is important to understand because it could cause you some serious financial distress.
Remember the “advance payment of the tax credit” in topic 2 of this lesson? Well, essentially, that was a loan from the government which was paid in advance to the insurer on your behalf when you purchased your plan, and, as you know, loans have to be paid back. So, when you file your tax return for the year you received your “advance tax credit” (your loan), if your income has changed, you have to settle this with the IRS. Here’s the deal:

a) If your MAGI is higher and the increase puts you into a higher FPL, you may have to pay back a portion or all of the tax credit because it was based on a lower MAGI. In other words, you could have an additional tax liability on top of the income taxes you already paid (or still owe) because you received a higher tax credit than you were entitled to.
b) If your MAGI is lower and the decrease puts you into a lower FPL, a refund could be coming to you because you were eligible for a larger tax credit than the government paid to the insurer. In other words, you overpaid for your portion of the insurance premium.
c) If you earned a bit more or less, but your extra earnings or loss didn’t bump you into another FPL, you’re home free.
To figure out your payback, you will have to enter the relevant figures on the reconciliation page of the tax return. Changes in filing status such as the number of people in your household will also have an impact. For those of you who marry or divorce, the rules for the payback amount as well as the amount of the tax credit you are eligible to receive will make your head spin – the computation includes pre- and post-marriage FPL and uses the highest FPL of the two people involved. Ditto for divorce.

Here is one of the reconciliation explanations in IRS-speak: Your liability for an excess tax credit you received must be reflected on your current year income tax return subject to a limitation on the amount of such liability.
Oh! Limitation on the amount of such liability. That sounds good.

Let’s take a peek at the payback limitations on record at the time of this writing. “At the time of this writing” are the operative words because the cap has been increased twice since the ACA was signed into law. The original payback was capped at $400 for families under 400 percent FPL and $200 for individuals. We’ll skip over the first increase. The story behind the second one is that a particular revenue stream was removed from the original law, so something had to be done to compensate for this lost money. Thus, an amendment was passed that increased the cap using a sliding scale, thereby putting a huge financial burden on the backs of the very people the ACA claims to help. In other words, tag, you’re it. You are the cash cow.
Here are the current sliding-scale caps:

If the household income (expressed as a percent of poverty line) is:
less than 200 percent, the applicable dollar amount is $600
at least 200 percent but less than 300 percent, the applicable dollar amount is $1,500
at least 300 percent but less than 400 percent, the applicable dollar amount is $2,500

Effective date: the amendment made by this topic shall apply to taxable years ending after December 31, 2013. Very truly yours, House Ways and Means Committee

The name of this bloodsucker is The Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011.
http://www.gpo.gov/fdsys/pkg/PLAW-112publ9/html/PLAW-112publ9.htm [6]

But wait, there’s more!
a) Update: Today (Feb. 17) (2011) the House Ways and Means Committee approved the 1099 repeal bill which requires consumers earning more than 400 percent of the poverty line to pay back the [entire] subsidy. http://thehill.com/blogs/healthwatch/health-reform-implementation/144847-1099-repeal-gets-trickier-with-house-bill
(http://thehill.com/blogs/healthwatch/health-reform-implementation/144847-1099-repeal-gets-trickier-with-house-bill)
b) Also, per IRS final regulations: for taxable years beginning after December 31, 2014, the payback caps may be adjusted to reflect changes in the consumer price index.

Payback amounts are reduced to one-half for unmarried individuals who are not surviving spouses or filing as heads of households. There is no help if you get hit with a payback and many of you will have difficulty paying this liability.

Chances that you may have received an incorrect tax credit are not exactly slim because this poorly thought-out scheme does not take into account the unpredictable and complex financial situations that confront the low and modest income population.

Keep in mind that by ending up in a higher FPL, you may also have to pay more out of your pocket for an insurance premium. You learned how that works in topic 3. If you can’t afford a higher premium and drop your insurance, you may still owe a payback plus a penalty for being uninsured which is also MAGI-based. Penalties are discussed in topic 7. If your MAGI puts you over 400 percent FPL, you just knocked yourself into left field and are on your own paying for an insurance plan on the open market. And, you may also be required to payback the entire tax credit.

If you get a job during the current year that offers health insurance which is not more than 9.5 percent of your total salary and the coverage is not less than 60 percent, you must take that insurance or pay a penalty for being uninsured. But, you may owe a payback for the months you received a tax credit before you landed the job. How large that payback is will depend on your MAGI for the entire tax year, not just on your income during the months you received the tax credit. Or, you may lose a job during the year and have a significantly reduced income even though the amount reported on your tax return is high because you had a job for part of the year. In this case as well, your payback will be based on your MAGI for the entire tax year.

More interest income from taxable and tax-exempt savings or a year-end bonus could also contribute to an increased MAGI and the possibility of a payback as well as taking extra work to help pay the monthly bills, house and car repairs, educational aspirations or a vacation. So, whether or not you end up in payback land will depend on how close you are teetering on the edge of an FPL. Ditto for your share of the premium and the amount of your tax credit.

The payback may stop many of you from purchasing insurance at the Exchange because you know in advance you will not have the money to pay it. If this is the case, you may be allowed to negotiate a lesser tax credit by paying more out of your pocket for your monthly insurance premium in order to avoid or decrease the payback. It’s a crap shoot. Considering what you’ve learned so far in today’s lesson, many of you will find yourselves between a rock and a hard place under the ACA, and you will be forced to make untenable choices. Given the skyrocketing costs of food, heat and other basics, how will you even tread water under this set-up, nevermind get ahead?

Being told you will receive help from the government if you can’t afford to purchase insurance and finding out at tax time this was really a loan and you owe the IRS a substantial debt on top of your income taxes is outright shameful. But most politicians have no shame – which brings us to the next topic.

continued below

mamboni

13th October 2013, 09:35 PM

5. MEDICAID EXPANSION AND ESTATE RECOVERY

In order to expand Medicaid, several Medicaid regulations were changed:

a) the income limit for eligibility was increased to 133 percent FPL, but since states must apply a 5 percent disregard, this effectively raises the eligibility to 138 percent FPL
b) Modified Adjusted Gross Income will be used in most cases to determine eligibility (also applies to certain CHIP applicants)
c) the age limit was increased to 64, childless adults will be eligible; and
d) the asset test was dropped except for certain groups such as the elderly and people on Social Security Disability – BINGO!

The fact that the asset test was dropped is very important, but before we look at why, you must first understand that if an Exchange determines you are eligible for Medicaid, you have no other choice. Code for Exchanges specifies, “an applicant is not eligible for advance payment of the premium tax credit (a subsidized plan) or cost-sharing reductions to the extent that he or she is eligible for other minimum essential coverage, including coverage under Medicaid and CHIP.” Therefore, you will be tossed into Medicaid unless there are specific rules as to why you would not be eligible. If you are enrolled in a private plan through an Exchange and have been receiving a tax credit, and your income decreases making you eligible for Medicaid, in you go. If you are allowed to opt out because you don’t want Medicaid, you will have to pay a penalty for being uninsured unless you can afford to purchase insurance in the open market.

Just so you’re clear on this: the ACA stipulates that the system will ensure that if any individual applying to an Exchange is found to be eligible for Medicaid or a state children’s health insurance program (CHIP), the individual will be enrolled in such a plan.
Furthermore, to increase enrollment in health coverage without requiring people to complete an application on their own, states are advised to automate enrollment whenever possible by using existing databases for social services programs such as SNAP (food stamps) to enroll people who appear eligible for Medicaid but are not currently enrolled. Therefore, you could find yourself auto-enrolled in Medicaid against your will if your state acts on this advice.

Many times over Mr. Obama et al told you that all Americans would have choice. Choice was another big talking point. Are poor and low-income Americans undeserving of choice? Is the ACA a class-based system? Maybe they meant that for this segment of the population, the choice would be between Medicaid or a penalty for remaining uninsured. This is blatant discrimination.
Here’s why dropping the asset test got the BINGO – Estate Recovery! You won’t find the following info in the ACA. It’s in the Omnibus Reconciliation Act of 1993 (OBRA 1993) – a federal statute which applies to Medicaid, and, if you are enrolled in Medicaid, it will apply to you depending on your age.

a) OBRA 1993 requires all states that receive Medicaid funding to seek recovery from the estates of deceased individuals who used Medicaid benefits at age 55 or older. It allows recovery for any items or services under the state Medicaid plan going beyond nursing homes and other long-term care institutions. In fact, The Centers for Medicare & Medicaid Services (CMS) site says that states have the option of recovering payments for all Medicaid services provided. The Department of Health and Human Services (HHS) site says at state option, recovery can be pursued for any items covered by the Medicaid state plan.

b) The HHS site has an overview of the Medicaid estate recovery mandate which also says that at a minimum, states must pursue recoveries from the “probate estate,” which includes property that passes to the heirs under state probate law, but states can expand the definition of estate to allow recovery from property that bypasses probate. This means states can use procedures for direct recovery from bank accounts and other funds.

c) Some states use recovery for RX and hospital only as required by OBRA 1993; some recover for a few additional benefits and some recover for all benefits under the state plan. Recovery provides revenue for cash-strapped states and it’s a big business.
Your estate is what you own when you die – your home and what’s in it, other real estate you may own, your bank account, annuities and so on. And even if you have a will, your heirs are chopped liver. Low-income people often have only one major asset – the home in which they live and, in some cases, this has been the family home through several generations.

So what this boils down to is: if you are put into Medicaid – congratulations – you just got a mandated collateral loan if you use Medicaid benefits at age 55 or older! States keep a running tally.

Estate recovery can be exempted or deferred in certain situations after your death, but the regulations for this are limited and complicated with multitudes of conditions. You may not have an attorney on speed dial, but with regard to this hundred pound gorilla, it sure would be handy.
Should you decide to ask your congresscritter about estate recovery, be prepared for responses such as:

— “Estate recovery doesn’t apply to you.” (Great news. Please overnight a copy of the amendment to OBRA 1993 that stipulates estate recovery is no longer required and no longer allowed. Here’s my address.)
— “Oh, estate recovery is state, I’m federal.” (Wrong – estate recovery is federally mandated although the estate recovery program itself is administered by each state.)
— “I don’t know anything about this.” (Highly unlikely because the expansion of Medicaid is an integral part of the ACA and estate recovery is not a secret.)
— “The ACA wasn’t about revamping Medicaid.” (As explained above, Medicaid regs were revised in order to expand Medicaid.)
— “I’ll look into that and get back to you.” (Don’t hold your breath – they don’t want to go there.)

If you ask about estate recovery when you contact an Exchange or speak with an outreach agency, you’ll probably run into a brick wall or be told it doesn’t apply to you – whatever. But, it doesn’t matter because what you are told is not legally binding. What is legally binding is your signature on the Medicaid application which indicates that you agree to the terms of the contract – which brings us to another item in OBRA 1993. Read on.

OBRA 1993 also contains procedural rules intended to ensure that individuals are informed about Medicaid program requirements including disclosure of estate recovery before they complete the application process and also during the annual re-determination process. Notification of estate recovery should be on the signature page of your state’s Medicaid application and is usually a one-liner: I understand that if I am aged 55 or older, (name of your state’s Medicaid plan) may be able to get back money from my estate after I die. (Use of the word ‘may’ doesn’t mean if the state feels like it – it means recovery will take place unless there are specific circumstances for exemption or deferment as mentioned above.) There are also strict recovery/repayment clauses for injury-related settlements disclosed on the signature page and a few other ditties that apply to you or a family member who is enrolled in Medicaid. All of these items must also be disclosed in your state’s Medicaid handbook.

Under the ACA and proposed federal rules for implementation, states will be required to provide a single, simple application to apply for and enroll in Exchange plans, Medicaid and CHIP, and consumers must be able to apply by phone, in person or online. The Secretary (HHS) is charged with this task and it’s in the works. This begs an answer to the following questions:

— Will Medicaid applicants be diligently informed about estate recovery and other rules that apply to Medicaid enrollees on this single application? Failure to do so would be in non compliance with OBRA 1993 and would also be deceptive.

— Will applicants be provided with a signature page that contains appropriate disclosure of these rules so they can be reviewed before signing on the dotted line?

— How will appropriate disclosure and obtaining a signature work for those who are bumped into Medicaid due to a decrease in income or who might be auto-enrolled because they were presumed eligible through a database.

If an applicant or someone who has been bumped or auto-enrolled in Medicaid is not satisfied with the terms of the Medicaid contract, lack of another health insurance option that is in the best interest of low-income earners represents undue and unconscionable advantage being taken of this segment of the population under a law that mandates health insurance or a penalty.

Do the health insurance policies enjoyed by lawmakers on Capitol Hill and paid for by taxpayers include an estate recovery program?
Medicaid is poor, underfunded, overstretched and constantly bombarded by state budget cuts – even before an ACA expansion. It offers a low quality of care in many states, and, in general, represents inequities in care. Office-based doctors typically refuse to accept Medicaid patients, thus, millions thrust into this plan will have difficulty finding a primary-care doctor or a specialist.

A perfect example is the December 2012 federal appeals court decision that allowed California to cut reimbursements by 10 percent to doctors, pharmacies and others who serve low-income residents under the state’s Medi-Cal plan (a version of Medicaid) due to state budget issues. California was already at the bottom of the rate-reimbursement heap which made finding doctors difficult for residents in Medi-Cal. This decision will further reduce the number of health care providers willing to take new Medi-Cal patients, thus jeopardizing their access to primary and specialized care. Under the ACA’s expansion of Medicaid, state budget crises across the nation will exacerbate the ongoing problems regarding access to care for Medicaid patients, particularly in states that have a high low-income population. http://www.sfgate.com/health/article/Medi-Cal-cuts-upheld-by-appellate-court-4116971.php [7]

6. INSURANCE PLANS AT THE EXCHANGES

Below are the 4 plan levels that will be offered at Exchanges for people between 138 and 400 percent FPL. Each one has government- approved benefits including prescription coverage. You will be entitled to one free preventive visit each year. Per the most recent study commissioned by the Kaiser Family Foundation, several cost-sharing options were estimated for non-group (individual and family) Bronze and Silver plans. Cost-sharing is the amount you must pay to use your insurance. Your share of the premium is not part of cost-sharing.

http://www.kff.org/healthreform/upload/8303.pdf [8]

The way this works is you will pay for all your medical care until you reach the annual deductible. Then you’ll pay the applicable percentage of coinsurance until you reach the annual out-of-pocket spending cap which will be set on a sliding scale. Annual means these amounts start again the following year, and if they change, you will find out when you re-apply for insurance. There will also be copays – an amount you will pay to the doctor for an office visit.

Here are the current estimates:

Bronze: cheapest and dry as dust with 60/40 coverage – a win-win for insurers

a) annual deductible of $4,375 for an individual (double for a family) with 20 percent coinsurance, b) annual deductible of $3,475 for an individual (double for a family) with 40 percent coinsurance

Silver: next cheapest – offers an illusion of coverage at 70/30

a) annual deductible of $2,050 for an individual (double for a family) with 20 percent coinsurance, b) annual deductible of $650 for an individual (double for a family) with 40 percent coinsurance

Gold: expensive – 80/20 – better coverage

Platinum: most expensive – 90/10 – most comprehensive coverage

A fifth plan will be available for the under-30 crowd and people who have been granted a hardship exemption. See topic 8 in this lesson. Coverage in this plan will be less comprehensive than the Bronze – it is primarily for major-medical expenses except that it has a free preventive visit. Cost-sharing for people at 138 to 200 percent FPL is estimated to be a bit less than the Bronze and Silver estimates mentioned above.

The high deductibles in all but the two most expensive plans could saddle you with mounting bills for routine care and may stop you from seeking necessary treatment for illness or injuries. Many of you will find that the promise of access to affordable health care really means access to inadequate coverage at a price the government has decided you can afford to pay.

The number of drugs in each plan at an Exchange will vary from state to state. In some states, plans will offer up to 99 percent of available drugs and others only 45 percent which means you may not have access to the specific drugs you need. Perhaps Big Pharma will change its stance on this before 2014.

The cost of plans at an Exchange will vary from state to state based on where you live and your age. The ACA allows insurers to charge older customers up to three times more for a plan, even if they are in good health, as long as the state in which an Exchange is located doesn’t have a law that caps age-rating. Some Exchanges will tuck an administrative fee of 2 to 4 percent into premiums to help cover operating expenses.
Cost-sharing tax credits will be available if you are below 250 percent FPL to protect you from high deductibles and copays – but only if you purchase a Silver plan. If you buy the cheaper Bronze plan, you won’t be eligible for these credits, which are, by the way, direct federal payouts to private health insurance companies.

Obamacare has no cost controls. There is nothing stopping the insurance companies from increasing their rates, and Washington has already estimated higher premium costs at the Exchange for 2016 which doesn’t mean that 2015 won’t have an increase. Sounds like 2014 prices will be an Introductory Offer. Get ‘em while their hot!

mamboni

13th October 2013, 09:44 PM

7. PENALTY FOR BEING UNINSURED

The ACA requires that people who have been deemed able to purchase health insurance but decide not to buy it starting in 2014 will owe a penalty (a tax) to the IRS. Here’s what this looks like:

a) In 2014, the annual penalty will be $95 per adult and $47.50 per child, up to a family maximum of $285 or 1 percent of family income, whichever is greater.
b) In 2015, the penalty will be $325 per adult and $162.50 per child, up to a family maximum of $975 or 2 percent of family income, whichever is greater.
c) In 2016, the penalty will be $695 per adult and $347.50 per child, up to a family maximum of $2,085 or 2.5 percent of family income, whichever is greater.

The IRS collects the penalty, but the ACA stipulates that taxpayers shall not be subject to any criminal prosecution or penalty, tax liens, seizure of bank accounts or garnishment of wages for failure to pay it and no accumulation of interest on the unpaid balance. So, it appears that all the IRS can do is deduct the penalty from a refund it owes you, and if you’re not due a refund, then you’ll have an outstanding tax obligation.

Keep in mind that the penalty is described in annual amounts but is really monthly. So, if you are uninsured for only part of the year, you will accrue only 1/12 of the total for each month you are uninsured unless you qualify for an exemption.

8. EXEMPTIONS FROM THE PENALTY

You may be eligible for official permission that excuses you from having to pay the penalty for being uninsured. The requirements are:

a) If the cheapest health care plan available costs more than 8 percent of your MAGI after subtracting the tax credit or employer contribution, whichever is applicable.
b) Your income is so low that you aren’t required to file federal income taxes.
c) You are between jobs and without insurance for up to three months.
d) You have a sincerely-held religious belief that prevents you from seeking and obtaining medical care.
e) You are in jail.
f) You are an undocumented immigrant.
g) You are a member of an Indian tribe or a religious group currently exempt from paying Social Security tax.

If item d) is the case, you must file a sworn statement as part of your tax return, and should you obtain care during the tax year, the exemption will no longer apply and you will have to pay a penalty for being uninsured. Per H.R. 6597, medical care is defined as acute care at a hospital emergency room, walk-in clinic or similar facilities. Medical care excludes treatment not administered or supervised by a medical doctor such as chiropractic, dental, midwifery, personal care assistance, optometry, physical exams or treatment where required by law or third parties such as an employer, and vaccinations.

If you think you can’t afford the amount the government has decided you can afford to pay for your insurance plan, and you don’t fit into any of the categories described above, you can apply for a Hardship Waiver. Details have not yet been provided regarding hardship eligibility requirements under the ACA, but, for an idea of what they might look like, let’s check out what the deal is in Massachusetts which already has a mandated health insurance law – Romneycare! In fact, Romneycare was the model for Obamacare. That’s why some people call Obamacare, Obamneycare.

To qualify for a Certificate of Exemption under Romneycare, a Massachusetts resident must demonstrate that health insurance is not affordable due to one of the following: 1) homelessness; 2) eviction or foreclosure notice; 3) domestic violence-related medical trauma; 4) major long-term illness of a child; 5) death of your spouse; 6) your house burned down; or 7) “you can establish that the expense of purchasing health insurance would cause you to experience serious deprivation of food, shelter, clothing or other necessities.”

Ya gotta luv number 7. And in Massachusetts, exemptions come with an expiration date, so you have to clean up your act in short order. Under the ACA, the Secretary of Health and Human Services will determine if, indeed, you have suffered a hardship that keeps you from being able to pay for coverage.

9. OTHER TIDBITS

There is much more in the ACA including all kinds of rules and penalties for employers, employees and the self employed as well as the Accountable Care Organization (ACO) model which will be mandated starting in 2014. The latter works as follows: under the simplest option available, a small group of doctors and hospitals – an ACO – will manage your care and be graded and paid based on the outcome of all patients who seek treatment with that ACO. The ACO will also be rewarded with a share of the savings in health costs it achieves by following best treatment practices and reaching specific benchmarks set by CMS. The second option, “shared savings plus risk,” is for larger ACOs. Providers will receive a lump-sum payment to treat their patients and assume a portion of the risk for above target spending but are eligible to keep a greater portion of the savings.

Either of these options reduce patient care to numbers and paperwork because doctors are essentially controlled and incentivized by an administrator in some far-flung office. The ACO model is the insurance industry’s version of “budgeting” the cost of health care which ultimately benefits insurers at the expense of doctors and their patients.

Doctors say that basing their pay on treatment outcomes creates an incentive for them to avoid tough cases whose outcomes could “kill my numbers.” “Paradoxically,” writes Dr. G. Keith Smith, “doctors who are doing sham surgery will be the ones with the best outcomes, as their patients, many of whom don’t need surgery in the first place, will exhibit great, basically perfect outcomes. Physicians who don’t do unnecessary surgery will be pushed to do so to improve their ‘scores.’ ‘Pay for performance’ trends in medicine are not a good idea in my opinion. Paying based on patient outcomes will have perverse effects, not the least of which will be the complete denial of care to the very sick.” http://www.medibid.com/blog/2012/10/your-disease-can-kill-you-in-more-than-one-way/?
utm_source=Registered+Physicians&utm_campaign=8f9028ddaf-October_Physician_Newsletter11_17_2012&utm_medium=email (http://www.medibid.com/blog/2012/10/your-disease-can-kill-you-in-more-than-one-way/?utm_source=Registered+Physicians&utm_campaign=8f9028ddaf-October_Physician_Newsletter11_17_2012&utm_medium=email) [9]

The ACA also requires Health Insurance Exchanges to establish a navigator program to inform the uninsured about the availability of government-approved subsidized plans at an Exchange and to facilitate enrollment in these plans, but it leaves the design of the program up to each Exchange.

Depending how an Exchange sets up its program, some Navigators will sell plans offered by an Exchange while others will be responsible for maintaining the existing market but may also be allowed to sell Exchange plans. All seller Navigators will be compensated either by Exchanges or insurance carriers for the plans they sell. Many options are being considered by Exchanges including using insurance agents. Hopefully, Navigators and insurance agents will not be knocking on your door or contacting you by phone. That would be over the top. Here’s a link to read what the California Exchange is pondering with regard to its Navigation program. http://www.healthexchange.ca.gov/StakeHolders/Documents/CHBE,DHCS,MRMIB_StatewideAssistersProgramDesignOpt ionsRecommendationsandWorkPlan_6-26-12.pdf [10]

10. ENROLL AMERICA, HERNDON ALLIANCE & THE EXCHANGES – MASTERS OF SPIN
Since many Americans don’t know about the ACA, somehow the word has to get out and people must be encouraged to purchase health insurance either in the open market or at an Exchange. And who better to do this?

Enter “Enroll America” – a nonprofit 501(c)3, financially backed by Aetna, Blue Cross Blue Shield, UnitedHealth, America’s Health Insurance Plans, hospitals, associations that represent drug manufacturers and nonprofits with vested interests. For insurers and pharma, the ACA is manna from heaven – scratch that – manna from Capitol Hill – and the dollar signs in their eyes are on fire! These profit seekers and connected nonprofits will be using every avenue possible to maximize their bottom lines.

The mission of Enroll America per its website is to “ensure that all Americans are enrolled in and retain health coverage.” It’s Board of Directors and Avisory Council reads like a Who’s Who in the Medical Industry Cartel – CEOs, presidents, vice presidents and directors of such entities as the American Hospital Association, Express Scripts, Medicaid Health Plans of America, Kaiser Permanente and many others – the list is long. If you would like to donate to these mega-profit vultures, you can do so on the Enroll America home- page. The goal is $100 million by 2014.
http://www.enrollamerica.org (http://www.enrollamerica.org/) [11]

In its publication, “Ten Ways to Make Health Coverage Enrollment and Renewal Easy,” Enroll America has recommended availability of web-based applications to increase the places where people can enroll in coverage: at home, at grocery stores, community health centers, state fairs, sporting events, places of worship, and more. Gee, you can apply for insurance while you pray. How thoughtful. http://www.enrollamerica.org/best-practices-institute [12]

The strategy for insurers and state Exchanges to persuade you to purchase insurance and warn you about the penalties includes using ads, social media, blogs, YouTube, Flickr, Twitter, hospitals, health centers, McDonald’s, in-store radio announcements, ballparks, county fairs, libraries, laundromats, community events, libraries, county fairs and drugstores – you name it. Blue Cross Blue Shield has partnered with H & R Block. Health insurers are already setting up shop inside some supermarkets so they can answer your questions and sign you up for coverage while you do your grocery shopping. They will likely be showing up in shopping malls – maybe even in parking lots, on street corners and at church fairs. And, their aim is to recreate themselves from the bloodsucking leeches that they are to your new, cool-dude friends.

We’ll be living in Occupied Territory.

Let’s connect some dots. The executive director of Enroll America is Ron Pollack, also president of Families USA – a nonprofit and friend of the industry. On its website, Families USA bills itself as “a national non-partisan organization dedicated to the achievement of high quality, affordable health care for all Americans.” Philippe Villers and Robert Crittenden, M.D. are on Families USA Board of Directors. Mr. Villers is also on the BOD of Herndon Alliance, Bob Crittenden is a Herndon staff member and Ron Pollack is a Herndon founder. http://www.familiesusa.org (http://www.familiesusa.org/) [13]

Herndon Alliance is an influential health care spinmeister creating messaging to change public opinion and tweaking each message to reach particular groups.
Herndon has close ties to Capitol Hill and helped market the ACA providing words politicians and supporters should use to promote the bill. For example, during the national health care debacle a few years ago, you heard Mr. Obama et al continually talk about ‘choice,’ ‘we need a uniquely American solution,’ ‘fair rules,’ ‘investing in America’s future’ and ‘high-quality, affordable healthcare.’ That last one is used in Families USA mission statement. The Council for Affordable Health Insurance, a frontgroup for the industry, gets right to the point – its name. Ron Pollack worked with the Obama administration to help reshape public opinion of Mr. Obama’s unpopular health care bill. Leading up to 2014 when the Exchanges are scheduled to open, there will most likely be a blitz of TV ads in which you will hear many of these same nebulous, feel-good words. And, you’ll undoubtedly read or hear plenty of Herndon spin from your Exchange and throughout your state in the immediate future.

In the interest of coming up with messaging, Enroll America held a few focus groups and commissioned a nationwide survey in fall 2012. Research was provided by Celinda Lake from Lake Research Partners, a national public opinion and political strategy research firm. One takeaway was when a monthly premium cost was given, the majority of people polled thought that it was too expensive and the ACA would not provide affordable and comprehensive coverage even with the government tax credits (subsidies). So, Lake Research Partners advised Enroll America not to mention specific costs but to use the phrase ‘free or low-cost plans.’ http://www.nytimes.com/2012/12/20/us/officials-confront-skepticism-over-health-law.html?ref=us&_r=0&pagewanted=all [14]

Herndon has been working on messaging various parts of the ACA that will be used by outreach partners, insurers and state Exchanges. Its messaging is not based on truth or evidence – Herndon actually stays away from any mention of facts as you read above regarding the cost of plans. Instead, its messaging is designed to mislead an uninformed public.

A few of Herndon’s target populations include voters, people of color, red states, skeptical audiences, and you’ll love this one – Elevator Language with a list of succinct scripts to use based on the person you’re speaking to during the ride. You must check out Herndon’s website and read the many instructions of what to say and what not to say. You’ll either get very annoyed or laugh yourself silly. http://herndonalliance.org/resources/research/communications-tips-exchange-talking-with-voters.html (http://herndonalliance.org/resources/research/communications-tips-exchange-talking-with-voters.html)[15]

http://herndonalliance.org/resources/implementation-basics/communications-tips-to-use-with-skeptical-audiences.html [16]

Here are some examples of Herndon spin regarding the ACA:
— Use “family values” when talking to the public about the expansion of Medicaid. Is estate recovery a family value? http://herndonalliance.org/resources/what-s-new/talking-about-medicaid-connecting-with-the-public.html [17]

— When talking about the ACA’s required Accountable Care Organization (ACO) model that will pay doctors according to patient outcomes and reward them for savings they achieve, Herndon says to call this “Coordinated Patient Care” and “do not connect pricing with rewards or incentives for doctors” or “with lump-sum payments for medical care” and do not mention “payment based on positive patient outcomes.” Why not? The three do-nots are how ACOs work. (ACOs are described in topic 9.) http://herndonalliance.org/resources/system-change/payment-reform-quality-care-pricing.html (http://herndonalliance.org/resources/system-change/payment-reform-quality-care-pricing.html)[18]http://herndonalliance.org/resources/system-change/coordinated-patient-care.html [19]

— Here’s an award winner: “Members of Congress will purchase their insurance at the Exchange. If members of Congress are part of the marketplace then it’s got to offer quality plans and protections.” http://herndonalliance.org/resources/research/communications-tips-exchange-talking-with-voters.html [15]

— Stressing that under the ACA insurers won’t be able to deny coverage for pre-existing diseases is a Herndon biggie. In fact, you heard this many times over from Mr. Obama and other politicians. But a loophole in the law allows insurers to rescind (cancel) your policy if you intentionally put false or incomplete information on your application. The ACA says you must be given at least 30 days’ notice before your coverage can be rescinded, giving you time to appeal the decision or find new coverage. So, if your care becomes costly for the insurer and you didn’t mention you had a rash on your arm when you were 15, that’ll work. How can you prove if leaving this out was intentional or not? It’s them against you.

Enroll America’s Best Practices Institute is publishing a series of briefs on the best way to write and design websites and marketing materials, no doubt, using Herndon messaging. PR and marketing firms are helping various state Exchanges come up with appealing branding such as using a name everyone will like and spiffy logos with cool type styles in colors that will appeal to all audiences. Branding lessons include advising Exchanges which words to ‘embrace’ such as emphasizing choice, control, transparency and competition. Other messaging includes, “the Exchange should be viewed as an educator, not an enforcer” and using the word ‘marketplace’ instead of Exchange is a must. Tennessee Health Care Campaign will be telling potential customers “. . . the exchange offers us more choices, greater control over our health care, and more competition to control costs.” It’s all Herndon’s handywork in one form or another. http://dhmh.maryland.gov/exchange/pdf/Brand_Recommd_may182012_final.pdf [20] http://www.thcc2.org/PDFs/rtm_exchange_talking_point.pdf [21]

More choice means choice of insurance companies, not choice of doctors and hospitals. In rural areas, there may be only one insurer offering plans which means one network and doctors may not be taking new patients. This happened in MA under Romneycare, and on top of that, many doctors would not accept people in the subsidized plans because of time-consuming red tape and low reimbursement rates. Under the ACA, insurers are planning to limit networks in the cheaper plans at the Exchanges. Having too few doctors in a network is a means of suppressing the use of health care which increases an insurer’s profits. Further on in this lesson, you’ll learn that the Maryland Exchange has been advised to ignore negative problems such as not enough doctors to serve the newly insured. http://www.kaiserhealthnews.org/Stories/2013/January/23/HMO-limited-networks-comeback-in-exchanges.aspx [22]

Choice is definitely a non starter for people found eligible for Medicaid – the ACA allows no other choice for this segment of the population and many doctors do not accept Medicaid. As for giving you greater control, considering all the rules about income and FPL, not to mention the data-mining to monitor your income during the year and those nasty tax credit paybacks, it’s you who is being controlled. And competition? Read this stunning op-ed by Nomi Prins: “Real Danger of “Obamacare” Insurance Company Takeover of Health Care.” http://www.nationofchange.org/real-danger-obamacare-insurance-company-takeover-health-care-1352648027 [23]

In Enroll America’s January 15, 2013 press release, Executive Director Rachel Klein says the ACA offers the promise of “access to comprehensive, affordable health coverage.” That is a false promise. As you learned in this lesson, coverage in the plans that will be offered at the Exchanges, with the exception of the two most expensive, is anything but comprehensive – the cheaper plans are unaffordable to use. Furthermore, how can she claim that the cost of the plans are affordable? Ms. Klein should be well aware of the nationwide survey Enroll America commissioned in which the majority of people polled said that the plans are too expensive. http://files.www.enrollamerica.org/news-room/press-releases/Enroll_America_Plans_Major_Affordable_Care_Act_Enr ollment_Campaign_1-15-13.pdf [24]
http://www.nytimes.com/2012/12/20/us/officials-confront-skepticism-over-health-law.html?ref=us&_r=0&pagewanted=all [14]

Currently PR firms are working with some state Exchanges to develop effective communications plans and advertising campaigns. Names include Mintz & Hoke, Hill & Company Communications and Weber Shandwick just to name a few. Ask the Massachusetts Health Insurance Connector – the prototype of an Exchange in the land of Romneycare – how much it spent on PR contracts over the years. In 2007, board members signed off on a two-year contract with Weber Shandwick for $1.85 million the first year with nearly $3 million for advertising – commission on media buys not included. And, by the way, the MA Connector upper management boasts six-figure salaries. Former MA Connector Executive Director Jon Kingsdale’s salary in 2007 was $225,000 and increased in 2008 to $231,750. In 2007, Deputy Director Rosemary Day alternated between a four-day and five-day work week to the tune of $175,000. These are only two examples of the many high-flying salaries at the MA Connector, an operation run by politicians and unelected political appointees and influenced by executives from the private insurance industry, http://www.wickedlocal.com/cambridge/news/x497793387/Connector-re-ups-contract-with-Cambridge-based-Weber-Shandwick (http://www.wickedlocal.com/cambridge/news/x497793387/Connector-re-ups-contract-with-Cambridge-based-Weber-Shandwick)[25]http://www.boston.com/yourlife/health/other/articles/2007/01/27/6_figure_pay_for_care_plan_overseers/?page=full [26] http://www.highbeam.com/doc/1G1-166773095.html [27]

Add up pay scales like that for every Exchange in the country, throw in some bennies, a PR contract for each Exchange, campaign costs and compensation paid by Exchanges to Navigators for plans they sell – a grand and costly effort to push more people into America’s for-profit health care system. Your tax dollars at work and mega bucks that could be used for actual hands-on medical care.

The Maryland Exchange has three campaign funding levels – Basic, Plus and Full-Scale – with a total for year one, two and three. Basic funding for year one is $2,450,000, Plus is $4,000,000 and Full-Scale is $6,300,000. See p.137 at this link for years two and three. http://www.dhmh.maryland.gov/exchange/pdf/FinalAdvertisingReportWeber.pdf [28]

The following, from the maryland link above, gives you an idea of some of the strategies that will be in play, most likely in all states. The Maryland Exchange has been advised by Weber Shandwick to “establish a system to monitor newspaper, radio, TV and online conversations about the Exchange and the program and to establish procedures and priorities for responding to negative media stories, op-eds, blogs and reports.” You can find this in the Risk Management and Responses section of Maryland’s strategic marketing plan.

In the Earned Media/Public Relations section, advice includes “ . . . putting out stories on the first effective enrollees, enrollment number milestones, and enrollee testimonials. Each of these becomes the focus for positive, brand-reinforcing stories. There will also be the risk of negative stories, including potential topics such as enrollment snafus, delays in issuing insurance cards, the cost of Qualified Health Plans [government-approved plans], claims of ‘shoddy’ Bronze coverage, incidents of physicians refusing to accept enough new patients to serve the uninsured and other negative topics.” “While coverage is bound to include some level of criticism it can be success- fully countered by putting a human face on heatlh reform.”

The Social and Digital Media section advises an invasion of the Internet including social media to market health insurance by “delivering the right messages to the right audience at the right time,” (probably using Herndon spin) to “help drive enrollment in the Exchange,” and also flooding newspapers with op-eds to contradict reported adverse effects of the ACA.

More details can be found at the Maryland pdf link below. It’s worth looking at this presentation to grasp the big business approach of Exchanges which is clearly profit-driven. The Maryland Exchange strategy is just one example. The goal of Exchanges is sell, sell, sell. http://www.dhmh.maryland.gov/exchange/pdf/FinalAdvertisingReportWeber.pdf [28]

Exchanges certainly have a lofty goal – promote success stories only and be ready to contradict and cover up the bad stuff as quickly as possible. Massachusetts residents have been there. The Connector and state politicians including the governor made sure that anyone being harmed by Romneycare would not be heard in spite of statewide survey reports put together by outreach agencies advising state legislators and powerplayers that low-income people were not faring well under this law. Various issues were spelled out and testimonials were included, but residents’ concerns about the adverse effects of Romneycare were ignored. MA national legislators also went along with this agenda as did the mainstream media.

When $130 million was needed in 2009 to balance the Massachusetts state budget, the Connector – with the blessing of MA Gov. Deval Patrick and the MA legislature – removed about 28,000 legal immigrants – working people paying taxes – from their insurance plans. Another 8,000 or so were barred from enrolling in insurance plans because the MA legislature voted to cap enrollment in the subsidized plans. This took place at the same time Mr. Obama was trying to sell the ACA to the nation, so, under pressure from Washington, the MA legislature restored some of the money, and the Connector dumped these people, without their consent, into an out-of-state plan with higher copays, less comprehensive coverage and next to no doctors or safety net hospitals in its network. http://www.huffingtonpost.com/iyah-romm/lessons-from-massachusett_b_380718.html [29]

This has huge implications for the ACA. If legal immigrants can be removed from their plans and others denied enrollment when a state budget is squeezed, which vulnerable segment of the population is next in line? The good news is these legal immigrants in MA sued the Connector and its then-Executive Director, Jon Kingsdale, and the Massachusetts Supreme Judicial Court ruled unanimously that the state could not violate their right to equal protection under the state and federal constitutions and fiscal considerations alone can not justify a state’s invidious discrimination against them. As a result of this decision, the state had to come up with some bucks, and the Connector was forced to put the plaintiffs back into their original plans.
http://www.healthlawadvocates.org/priority-areas?id=0015 [30]

Getting back to Enroll America, Herndon Alliance and some of the less-than-honorable Exchange strategies – it’s one thing to inform Americans about the ACA and Exchanges that offer the possibility of either purchasing high-deductible or catastrophic coverage with a loan from the government to help pay for it or being tossed into expanded Medicaid – but, mounting a costly, massive campaign to purposely deceive and manipulate the public with the unstated goal of more profit for the already extremely lucrative health insurance industry is disgraceful.

———————————————-

Is the ACA a fair law if it helps only one small segment of the population but hurts and exploits a larger number to do so? The way this law works is fundamentally unfair and will not bring medical care to the many, but, instead will progress to greater personal debt for individuals and families who can’t afford the “affordable” insurance as well as those who must keep an eye on their income to avoid the many traps and false ends this law creates. At their expense, the forced purchase of health insurance will bring increased revenue to the industry, not to mention more kickbacks to Congress, and in the very near future, the health insurance industry will be “too big to fail.”

The ACA is most definitely a “uniquely American solution” which has little to do with reforming this country’s barbaric health care system. It merely controls peoples’ finances and choices while leaving insurance companies in charge and does virtually nothing to end their abuses. It will leave many millions of Americans uninsured and millions more underinsured at a staggering cost to taxpayers.

Politicians, health care policy wonks and vested interests will brush aside the ACA’s adverse effects. You’ll hear that some have fallen through the cracks of health care reform but the problems can be easily tweaked. You will also witness the usual dog-and-pony show on Capitol Hill in which the two parties play the blame game. The bought-and-paid-for mainstream media will regurgitate whatever Washington feeds it, and TV talking heads will chime in, inviting their “experts” to analyze the situation while real people in the real world struggle to get by under this law or fall by the wayside.
Good luck everyone and watch out for the folding chairs.

mamboni

13th October 2013, 09:44 PM

addendum:

Obamacare architect leaves White House for pharmaceutical industry job
http://www.guardian.co.uk/commentisfree/2012/dec/05/obamacare-fowler-lobbyist-industry1 [31]

Physician payments based on outcomes
http://www.medibid.com/blog/2012/10/your-disease-can-kill-you-in-more-than-one-way/?utm_source=Registered+Physicians&utm_campaign=8f9028ddaf-October_Physician_Newsletter11_17_2012&utm_medium=email

(http://www.medibid.com/blog/2012/10/your-disease-can-kill-you-in-more-than-one-way/?utm_source=Registered+Physicians&utm_campaign=8f9028ddaf-October_Physician_Newsletter11_17_2012&utm_medium=email)

mamboni

13th October 2013, 09:58 PM

I hope all the folks who voted for the Jackass-in-Chief realize now that they have been trapped and ensnared by the IRS and the Health Insurance Industry lobby. Millions will suddenly discover that before ACA they were barely getting by; after ACA many will be literally bankrupted and become debtors to the IRS. That the silver-tongue Kenyan and facelift Pelosi foisted this legal rape and pillage on the American people and got away with it is astounding. No doubt the lawmakers involved in this massive theft and takeover/shakedown of the American people will be made very very wealthy after they leave office.

This country is fucked up beyond words. I want to vomit right now - I am viscerally ill at reading this.

Jewboo

13th October 2013, 10:10 PM

The worst fears about Obamacare are now being realized in a decision on Monday by the Medicare Payment Advisory Commission (MPAC) established by the law to supervise $500 billion in Medicare cuts. MPAC, whose decisions have the force of law, has voted to impose drastic pay cuts on all doctors under Medicare and, by extension, under Medicaid (which tends to follow suit). The cuts will effectively reduce the real pay for specialists by 50% over the next ten years --- including a 25% reduction over the next three years -- and cut general practitioners' pay by one-third over ten years (and that assumes that inflation stays down at 3% a year).

:rolleyes: oh. kinda obvious now why Doctor Mamboni has been posting all these anti-Obamacare threads...lol.

Cebu_4_2

13th October 2013, 10:13 PM

Sounds like medicaid and a blind trust on your home is in order. I wonder if you can say you pay rent to this blind trust as an expense and then right it off as the trusts expenses. Any business owned are corporations which can also write shit off. If you want medicaid it's easy if you don't have to report income but not possible if you get a check.

Just looking at angles. National healthcare takes decades to implement, not just the passing of a mandatory "law".

Hillary was pushing this shit when she ran what 12 years ago?

Cebu_4_2

13th October 2013, 10:15 PM

:rolleyes: oh. kinda obvious now why Doctor Mamboni has been posting all these anti-Obamacare threads...lol.

He says he was retiring either this year or next. Should do it now while times are good.

zap

13th October 2013, 10:32 PM

midnight rambler

13th October 2013, 10:38 PM

Only the rubes will continue to climb into bed with Uncle Satan.

"When you find yourself in a hole, the first thing you need to do is stop digging." --Will Rogers

Jewboo

13th October 2013, 10:40 PM

http://weightsurgery.screamwhisper.com/wp-content/uploads/2012/09/doctor-with-money.gif

http://www.facemark.az/files/news/26631371686559200613.jpg

http://www.employmentandlaborinsider.com/Doctor%20offering%20money.jpg

http://shengfatt.com/wp-content/uploads/doctor_money.jpg

http://www.calbrokermag.com/wp-content/uploads/2011/03/DoctorMoney.jpg

:rolleyes: HUNDREDS OF THESE ON THE INTERNET...why is this Doctor Mamboni ?

Cebu_4_2

13th October 2013, 10:45 PM

BrewTech

13th October 2013, 10:49 PM

Many Americans will find themselves not only with a policy they can’t afford, but also with one they cannot afford to use.

This is why I say NO.

zap

13th October 2013, 10:50 PM

Ok I don't understand either post? Don't crawl into bed with uncle sam? ok ..... don't carry health insurance? Carry it ,or all your property ( mostly property cause they don't know about the savings?) and savings will be taken once you can't pay the hospital?

Jew - there is alot of money if you are a Dr?

We carried health insurance a group policy IE a group of 2 me and him because I couldn't get insurance for him cause he had , had a heart attack.

BrewTech

13th October 2013, 10:51 PM

:rolleyes: oh. kinda obvious now why Doctor Mamboni has been posting all these anti-Obamacare threads...lol.

Shut the fuck up, troll.

TOTALLY uncalled for.

You should have quit while you were ahead, BOOK.

mamboni

13th October 2013, 10:51 PM

In another post I talked about our premiums, I am paying 1460.00 a month for 80/20 Max out of pocket a year 6000 including deductible of 750.00, this is for 2 people and knothead is on mine ( 3 people ). October is our renewal month and it was going to be $1560.00 a month ! so I cut it down to 840.00 with a 2000 deductible, total Out of pocket 6000, with a 70/20. I have to pay this premium every month even when we aren't working! I paid the 1460 for 10 months when we weren't working, it is just ridiculous, It might do me good to get rid of the company insurance and both of us go on Obama care prolly be cheaper ? But see therein lye's the problem nobody, Dr's want to accept or participate in obamacare, 2 hospitals in our area aren't in the plan. By the way I am 46 , worker is 35 , my dependent is 8 no health problems for any of us, IE High BP, diabetes,no chronic health issues.

What the Hell!!!

You're not alone. Check out the comments at this link:

http://blogs.kqed.org/stateofhealth/2013/10/04/obamacare-downside-reports-of-premiums-going-up/

In short, if you make more than $60,000 per year gross income you have just been royally hosed. Obamacare is a gigantic tax increase, pure and simple. And ACO is a euphemism for rationed care/capitated expenditures. Trust me when I tell you that good care generally does not save money. ACOs will incentivize doctors and hospitals to avoid the truly sick patients and to reduce their practice volumes. There is no incentive to work more, only less. I am going to look into hiring a part-time MD and cut back to maybe 2/3 part time. I am fucking tired of breaking my ass only to hand it over to these money-grubbing scumbags in Washington. Believe me, a lot of docs are going to quit or go to part time to earn just enough to cover expenses.

mamboni

13th October 2013, 10:57 PM

My God! You could stop spending that and get Obamacare!

Really Kidding. Stop paying for all that shit and bank it for a couple years. 17,520 for insurance? man........

Keep emergency coverage for the younguns. BANK that BITCH and live on.

I could live large on just that right now.

How times have changed.

That's the whole point of Obamacare, to trap all the folk working for cash and off the books who are smart enough to not buy insurance. Now, if you file a tax return, you have to buy it, and pay through the nose. The only people who will go unharmed by this are folk who live completely off the books and do not file. I expect that there may be lots more of them going forward.

Jewboo

13th October 2013, 11:07 PM

Whatever Manboni posts is propaganda, he is a plant.

http://www.darkdaily.com/wp-content/uploads/4111.jpg

:rolleyes: LOOK AT OUR DEATH RATES FROM HOSPITAL FUCKUPS WITH THE CURRENT PRE-OBAMACARE SYSTEM

zap

13th October 2013, 11:08 PM

Ok ,well thanks for the help ( rolly eyes here)

Still don't know what I should do, don't get in bed with the government ok, Keep paying blue shield for crappy Ins?

I am thick I need it spelled out for me !

BrewTech

13th October 2013, 11:15 PM

Cebu_4_2

13th October 2013, 11:23 PM

"Blue Shield" and the ".gov" are the same entity. That clear enough?

You have income so you should see a specialist... which don't exist right now. Stop freaking out. For what you pay monthly you can cover everything you have seen. What about cancer... well we all have it and out bodies fight it. Eat good.

BrewTech

13th October 2013, 11:24 PM

You have income so you should see a specialist... which don't exist right now. Stop freaking out. For what you pay monthly you can cover everything you have seen. What about cancer... well we all have it and out bodies fight it. Eat good.

I spend most of my days talking to drunk people...

YOU, sir, should see a specialist.

zap

13th October 2013, 11:32 PM

Neuro

14th October 2013, 04:30 AM

Seriously, if I were in your shoes I would disengage from being taxed (any official income), start bartering for a living, and befriend a vet (should be good for most minor surgery and emergency medical needs)...

EE_

14th October 2013, 06:09 AM

Thanks Brew-tech, So I have been in bed with the government for quite some time now? Since they are one in the same, I am just trying to figure out how to get the most Bang for my Buck ! since I am going to be screwed anyhow !!!!

I'm certainly not qualified to give advice on this matter...not sure anyone is.

I would say you are forced to put your employees on Obama Care. I would consider keeping existing healthcare plan for you and knothead, maybe raise deductables to reduce the rate.

I think anyone that can, should keep their plan for the next year until O-care shakes out. It may fail?

It sounds like, once you sign-up for O-care you can never leave their control grid system.

"You can check-out any time you like,
But you can never leave!"

If people think they are in bed with the gov now, just wait until they see what O-care does.

http://truththeory.com/wp-content/themes/LondonLive/thumb.php?src=/wp-content/uploads/2012/08/3oz65n.jpg&w=340&h=192&zc=1&q=100

mamboni

14th October 2013, 06:34 AM

Whatever Manboni posts is propaganda, he is a plant. Not sure why but he might sway ideas, grain of salt. He can try to intimidate me but he wont prevail. Back to prison Doc.

Are you kidding? Did you forget /sarc

Ares

14th October 2013, 06:54 AM

Zap,

Here is what I recommend you do. Start shopping around for a doctor who will take cash only. Or look for a practice that does NOT accept medicaid / medicare. If you find one, get general pricing details. After you've found a doctor that accepts cash for reimbursement for services, get Catastrophic health insurance. That's a oh shit I just got in a car accident type of insurance.

Take about 1/2 or maybe even a 1/3rd of what you were paying for insurance each month and either take it out of the bank and stash it away, or open a savings account and put it in there. Use that money in case you ever need a prescription filled.

Hope that helps, and if my wife loses her outstanding insurance (works for a health care industry) that's what we will do. I already planned it out after ACA got put into "law".

mamboni

14th October 2013, 09:43 AM

http://www.youtube.com/watch?feature=player_embedded&v=mI0N1Epo-1c

Libertytree

14th October 2013, 10:42 AM

I don't know if anyone wants to give this a go but here it is. http://kff.org/interactive/subsidy-calculator/

I tried it out fer shits and giggles and it might be screwed up but if it's correct they're out of their minds! I'm at 42% below poverty level($4,800), all untrackable cash btw, but if it were on the books money it said I'd be paying $6,700 per yr! Yeah.....right.

mamboni

14th October 2013, 10:57 AM

http://www.youtube.com/watch?feature=player_embedded&v=IwR28QPRuas

mamboni

14th October 2013, 02:15 PM

mamboni comments: Obama did not require background checks on Obamacare Navigators who will have access to applicants personal and financial information. This bastard is deliberately trying to stir the pot and destroy this country. Getting a background check on people who will know your SSN name and address and bank accounts is a no brainer. My 20 year old daughter had to get a background check before she could work in a daycare center! I am so fucking disgusted with this corrupt incompetent president and government.

http://cdn01.dailycaller.com/wp-content/uploads/2013/10/rosilynwells.jpg

Obamacare ‘navigator’ in Kansas has outstanding arrest warrant

12:25 AM 10/14/2013

http://cdn01.dailycaller.com/wp-content/user_photos/michael-volpe-1998554690-icon.jpg
Michael Volpe

A woman with an outstanding warrant for her arrest is currently serving as an Obamacare “navigator” in Lawrence, Kansas.

Rosilyn Wells — the Director of Outreach and Enrollment for the Heartland Community Health-care Center (http://heartlandhealth.org/2013/09/health-insurance-marketplace-in-lawrence-ks/) (HCHC) – is “the only full-time Affordable Care Act navigator in Lawrence,” according to the Lawrence Journal-World (http://www2.ljworld.com/news/2013/sep/30/lawrence-get-full-time-navigator-affordable-care-a/).

Wells was certified as an Obamacare navigator despite her financial history, which includes a bankruptcy in 2003, a 2007 civil charge from a local check cashing business called Midwest Checkrite (http://news.google.com/newspapers?nid=2183&dat=20070510&id=ctczAAAAIBAJ&sjid=mhUGAAAAIBAJ&pg=2715%2C963441) for writing a bad check, being more than $1700 behind on her state tax bill, and having an outstanding arrest warrant in nearby Shawnee County. (http://www.shawneesheriff.org/sh/warrants_search_results.asp?startsWith=W) Wells lives and works in Douglass County.

Reached by phone, The Shawnee County Sheriff’s Office would not elaborate on the specific charges related to Wells’ arrest warrant.

Navigators are creations of the federal government and they are paid to work closely with consumers — and their personal information — to help them navigate the newly-created Obamacare exchanges.

The Obamacare navigator program has fallen under heavy criticism for its privacy pitfalls, with the House Oversight Committee issuing a report only two weeks ago which warned that navigators would not be properly vetted to protect consumers.

The report pointed out navigators would have access to all sorts of personal data. (http://oversight.house.gov/wp-content/uploads/2013/09/Republican-Staff-Report-on-Navigators.pdf)

“[T]he main concern for consumers is the heightened risk of identity theft and financial loss from a poorly managed outreach campaign,” the Oversight Committee report said. “Navigators and Assisters will come into contact with a plethora of personally identifiable information (PII), including an applicant’s Social Security number, date of birth and income, as well as the PII of everyone in an applicant’s household.”

The Obama administration’s decision not to require background checks for navigators compounds the privacy risks, the Oversight Committee wrote.

“In part, substantial risks remain because the Administration decided not to require background checks and fingerprinting of individuals hired by Navigator and Assister organizations,” the committee wrote. “Under the Administration’s plan, unless states have already taken actions to protect their citizens, Navigators and Assisters are not prohibited from hiring convicted felons, including individuals convicted of identity theft or fraud.”

Read more: http://dailycaller.com/2013/10/14/obamacare-navigator-in-kansas-has-outstanding-arrest-warrant/#ixzz2hjGJ3Xeq

Horn

14th October 2013, 03:28 PM

The only people who will go unharmed by this are folk who live completely off the books and do not file. I expect that there may be lots more of them going forward.

What's to stop us from setting up our own nationwide health insurance coverage right here at GSUS, doc?

We could call it Mambocare...and avoid the fine that way...

I'll collect the info.,, its $4 a month for Gold care, $3000 monthly for the Platinum plan.

ShortJohnSilver

14th October 2013, 04:13 PM

In another post I talked about our premiums, I am paying 1460.00 a month for 80/20 Max out of pocket a year 6000 including deductible of 750.00, this is for 2 people and knothead is on mine ( 3 people ). October is our renewal month and it was going to be $1560.00 a month ! so I cut it down to 840.00 with a 2000 deductible, total Out of pocket 6000, with a 70/20. I have to pay this premium every month even when we aren't working! I paid the 1460 for 10 months when we weren't working, it is just ridiculous, It might do me good to get rid of the company insurance and both of us go on Obama care prolly be cheaper ? But see therein lye's the problem nobody, Dr's want to accept or participate in obamacare, 2 hospitals in our area aren't in the plan. By the way I am 46 , worker is 35 , my dependent is 8 no health problems for any of us, IE High BP, diabetes,no chronic health issues.

What the Hell!!!

Look into an HSA with HDHP - healthcare savings account, with high deductible healthcare plan. You put money into the HSA and it is yours to spend on healthcare as you see fit. You also buy a HDHP which is much less than what you are paying. My guess, you would pay $400 a month for the HDHP and the HSA contributions reduce your taxable income.

Statists of all stripes HATE HSAs and want to get rid of them, so, get yourself grandfathered into one now.

mamboni

16th October 2013, 05:51 PM

Ten Things to Expect from Obamacare in 2014 (http://www.theburningplatform.com/2013/10/16/ten-things-to-expect-from-obamacare-in-2014/)

Posted on 16th October 2013 by Administrator

Ten Things to Expect from Obamacare in 2014 (http://www.caseyresearch.com/go/vppzx-2/TBP)

By Elizabeth Lee Vliet, M.D.

Obamacare’s health exchanges opened on October 1. Hopefully you weren’t one of the unlucky guinea pigs who attempted to sign up with a system so crummy that even the Washington Post is calling it a disaster.

Given that the impact of Obamacare will only grow from here on out, Casey Research asked acclaimed Obamacare expert Dr. Lee Vliet what we should expect as the calendar turns to 2014.

Importantly, Dr. Vliet is independent in every sense of the word. Not only is she an independent physician, she’s also a registered political Independent, and has no ties to pharmaceutical, insurance, political, or any other interests. Like any good doctor, she is professionally concerned with one thing and one thing only: her patients. You’ll find her criticisms of Obamacare quite harsh, but only because she’s disturbed about the impact it will have on her patients.
Ten Things to Expect from Obamacare in 2014

By Elizabeth Lee Vliet, M.D.

It’s been clear to anyone paying attention that the October “rollout” of Obamacare has been a turbulent, confusing disaster. Sloppy IT systems and technological failures combined to cripple Obamacare’s sign-up systems. Security flaws put Americans at risk for identity theft.

In an almost comical understatement, President Obama summarized these massive failures as “a few glitches.” I think that Luke Chung, IT expert and president of database solutions firm FMS, explained the situation much more accurately:

“What should clearly be an enterprise quality, highly scalable software application felt like it wouldn’t pass a basic code review. It appears the people who built the site don’t know what they’re doing, never used it and didn’t test it.”
\

Chung went on to call it a “technological disaster.”

Think about what this ineptitude means in the bigger debate about Obamacare. The administration spent 3½ years and $698 million of taxpayers’ money to develop this software. They’ve known since earlier this year that the system wasn’t ready to support the rollout of the exchanges. Yet they proceeded anyway, apparently unconcerned about their faulty software costing Americans millions of hours of frustration and lost productivity.

These same bureaucrats continue to assume more and more control of our medical care. What does their incompetence say about how they will handle making life-or-death medical care decisions?

Like a parasite taking over its host, Obamacare will commandeer almost 20% of our economy, crowding out private options. With 2014 fast approaching, what should we expect in its next phase?

Here’s my list Top Ten list for 2014:

1. The expansion of Medicaid, with increased cost burden for taxpayers.
Medicaid is a combined state-federal program initially designed to help the neediest among us. But it has burgeoned to cover medical costs for about one in every five people. Today, Medicaid pays for two of every five babies born in the United States, and three of every five people in long-term care facilities in the US.
Obamacare will add another 20 million new Medicaid dependents. According to the Kasier Family Foundation, that Medicaid expansion will add an average of 13% to state budgets in costs for 2014 alone.

Even though Medicaid was designed to help the poor, studies have consistently shown that Medicaid recipients receive worse medical care than people without any health insurance at all! Medicaid patients have longer waits to see a doctor, fewer specialists to choose from, and poorer medical outcomes overall. A particularly morbid piece of evidence is that on average, Medicaid patients die sooner after surgery than people who have no medical insurance.
Essentially, Obamacare is forcing 20 million more Americans into second-class medical care with Medicaid.

2. “Sticker shock” as the reality of higher health insurance premiums hits home.
The majority of Americans, especially those who are young and healthy and therefore have paid low premiums in the past, are seeing their health insurance premiums rise between 50% and 150%. Further, employers are cutting full-time workers back to part-time by reducing employees’ hours per week from 40 to 29 or less, to avoid having to provide those employees with expensive, Obamacare-compliant coverage.

The “Affordable Care Act” has become anything but affordable for most people.

3. Large and small employers are cutting health insurance benefits.
Obamacare expands the requirements for what all health insurance policies must cover. So it’s no mystery why premiums have risen: Americans now must pay for a host of features, whether they want to or not. For example, in my office, the women employees are all menopausal. Yet Obamacare requires our small-business health insurance policy to cover pregnancy and maternity care! That means our policy costs more.

These higher premiums force employers to pass on the costs to employees (in the form of higher co-pays and deductibles) and/or customers (in the form of higher product costs). 2014 will bring even higher premiums for most individuals and businesses.

To deal with this onslaught of rising costs, businesses have a series of bad options: fire or lay off workers, cut health insurance benefits for everyone in the company, or reduce full-time employees to part-time so they don’t qualify for health insurance benefits, as I mentioned above.
Unfortunately, some businesses will be forced into the worst option of all: going out of business.

4. The employer-based health insurance policies that remain will have higher out-of-pocket costs for employees.
Because businesses must pay more to purchase Obamacare-compliant plans, they will require employees to pay higher co-pays and deductibles before coverage begins.

5. Fewer types of health insurance policies can be offered under Obamacare.
Many small-business plans and existing physician networks are being terminated due to the expanded coverage requirements under Obamacare. We just received notice that our own small-business plan is being terminated.

Candidate and then President Obama promised, “You can keep your insurance plan.” Nope.

6. Many people cannot keep their doctors.
Candidate Obama promised, “If you like your doctor, you can keep your doctor.” But many patients who like their doctors are being forced to find new ones due to changes in physician networks, as well as doctors leaving insurance plans to start fee-for-service or “concierge” practices.

Sadly, when a patient is pushed out of a long-standing relationship with a physician who understands their medical history, medical outcomes often deteriorate. This is especially true for special-needs patients, who often fall between the cracks when doctors are pressured to see 40 or 50 patients a day in five-minute visits.

7. Further destruction of Medicare.
In 2014, Medicare patients will discover several unwanted changes:

higher premiums for their supplemental policies
fewer types of Medicare supplement policies available
more cutbacks in Medicare-covered services
longer delays to see doctors, because many doctors are closing their doors to Medicare patients due to the cuts in reimbursements
fewer cancer care specialists taking Medicare patients
higher costs for hospital-based cancer treatments, as private offices with lower costs are closed due to reimbursement cutbacks
fewer hospital-based surgeries being approved because as of October 2012, Obamacare rules incentivize hospitals (i.e., paid more by Medicare) to do fewer surgeries and procedures.
Medicare patients who sign the Advance Beneficiary Notice (ABN) agreeing to pay for services Medicare does not cover will find that they now have higher out-of-pocket costs to pay for these non-covered services.
Patients over 80 are already finding reduced approvals for certain procedures and medicines. Expect to see more of this age-based rationing as the Medicare cuts increase over the next decade.

8. Loss of ownership of your medical records.
Your doctors, hospitals, and other health professionals are being pressured to adopt electronic medical record systems and send patient information to the federal government’s medical database by 2015. If they don’t comply, they’ll be penalized with reduced payments for services.

This means the government will own your personal, private information, and you have no say in the matter. I consider this a complete loss of your privacy, as well as a violation of the Constitution’s 5th Amendment “Takings” clause.

9. More waivers and exemptions for the political elites and Democrat cronies.
The Obama Administration and its political appointee, HHS Secretary Sibelius, have granted over 1,000 waivers and special exemptions to various Democrat donors, political allies, unions, and others. Obama’s politically connected friends are the only Americans who won’t suffer under Obamacare’s onerous regulations, ballooning costs, and 20 new taxes.

10. On January 1, 2014, the Individual Mandate to purchase Obamacare-compliant health insurance goes into effect.
“Mandate” may sound benign, but it carries the force of law. Those who do not comply face another Obamacare tax (as the Supreme Court defined it), though called a “penalty” by Democrats when they forced the healthcare law through Congress on a partisan vote.

At the end of the day, Obamacare shifts a bigger burden onto taxpayers and increases the number of people on the dole. In other words, it pushes the US in the exact opposite direction it needs to go to solve its massive debt problems.

The most serious problems of Obamacare, however, will be felt at the individual level. You’re going to wait longer to see a doctor, you’re going to pay more for fewer treatment options, and healthcare quality will deteriorate as doctors and hospitals go out of business.

Obamacare seeks to replace the adaptability and efficiency of our free markets with heavy-handed government control and micromanaging by bureaucrats who don’t have a clue about what really helps patients. We need the opposite: patient-centered, free-market reforms.

Such programs have been successfully implemented in states like Indiana and businesses like Whole Foods and Safeway. They used health savings accounts and other incentives to empower consumers to make their own medical spending decisions.

It’s possible to reform and improve the broken payment system while keeping our excellent medical care and innovative atmosphere that relieves suffering and improves quality of life. Unfortunately, Obamacare is pushing our country in the wrong direction.

Dr. Vliet writes as an independent practicing physician with medical practices in Tucson and Dallas focused on issues of endocrine aging in men and women from puberty to late life. Dr. Vliet is a registered political Independent, and is also medically independent of all health insurance contracts since 1986. Her allegiance is to and for patients. Dr. Vliet is the 2007 Voice of Women Honoree by the Arizona Foundation for Women for her pioneering work on the overlooked hormone connections in women’s health, and she is the author of six consumer books on health topics. She has appeared on nationally syndicated radio and TV shows discussing the healthcare law as well as a variety of health topics for women and men.
Dr. Vliet was one of the speakers at the just-concluded 2013 Casey Research Summit. (Click here (http://www.caseyresearch.com/go/vpnpz-2/TBP) to pre-order the complete Summit Audio Collection and save $100 off the normal price. This discount offer ends tomorrow.)
Dr. Vliet’s medical websites are www.herplace.com (http://www.caseyresearch.com/go/vpna2-2/TBP) and www.InternationalHealthStrategiesLtd.com (http://www.caseyresearch.com/go/vpnd3-2/TBP). Follow Dr. Vliet on twitter @healthandcents

Horn

16th October 2013, 05:57 PM

Where's my Mambocare?

mamboni

16th October 2013, 06:06 PM

Where's my Mambocare?

You and me both.

Ares

16th October 2013, 06:20 PM

midnight rambler

16th October 2013, 06:29 PM

mamboni

16th October 2013, 06:31 PM

I believe they are going to have a lot of people who will not comply. This is revolution territory. Forcing a segment of the population to purchase a product at the barrel of a gun. I have a gut feeling that the peoples gun barrels will start pointing towards those who attempt to enforce this ridiculous law.

I don't think it will lead to violence. I do think that this law will drive a lot of businessman to quit and go galt. I know I am thinking about downsizing and calling it quits. And I think a lot of young people who were motivated to find a job are going to throw their hands up and say the heck with it: I'll stay at home and just do some off-the-books cash jobs and not file a tax return. I think tax receipts will continue to decline despite the higher and more numerous taxes and fees. I think money velocity is going to drop to the absolute floor as people downsize, buckle down and live on less to avoid the tax man. I feel sorry for retail because all, except the big multinational entities which are sucking off the government teats (like Walmarts), are going to be slaughtered by this economic slowdown.

Ares

16th October 2013, 06:43 PM

I don't think it will lead to violence. I do think that this law will drive a lot of businessman to quit and go galt. I know I am thinking about downsizing and calling it quits. And I think a lot of young people who were motivated to find a job are going to throw their hands up and say the heck with it: I'll stay at home and just do some off-the-books cash jobs and not file a tax return. I think tax receipts will continue to decline despite the higher and more numerous taxes and fees. I think money velocity is going to drop to the absolute floor as people downsize, buckle down and live on less to avoid the tax man. I feel sorry for retail because all, except the big multinational entities which are sucking off the government teats (like Walmarts), are going to be slaughtered by this economic slowdown.

They're already experiencing that. The "holiday shopping season" is gearing up and sales are dropping. You're right about money velocity being the culprit that will wreck this train. However I do know quite a few people personal and on line who will not be afraid to make a stand violent or otherwise if it comes to it to resist what is coming. This "law" is outright theft and people see it as that. Forced to by a product they do not want or be "fined" for not complying. I already told my wife if it comes to it, I'll just close our bank account, and work for cash or bitcoins. I have a number of skills that I can utilize and have no problem living within my means.

Libertytree

16th October 2013, 07:26 PM

I see this as a potential catalyst too, not that this is "the "last straw" kind of thing but that the people who are affected have no choice but to not pay and will at some point be criminals or targets for the gestapo..IRS.

Horn

17th October 2013, 08:56 AM

You and me both.

What do you say we eliminate medical insurance all together, Doctor's are good sumaritains, aren't they?

Some of them probably have enough dough to start their own banks creating their own loans for the people.

What's a couple gause bandages and scissors cost anyway?

In the construction business your materials run about a third to 50% of the total bill.

mamboni

17th October 2013, 09:04 AM

What do you say we eliminate medical insurance all together, Doctor's are good sumaritains, aren't they?

Some of them probably have enough dough to start their own banks creating their own loans for the people.

What's a couple gause bandages and scissors cost anyway?

In the construction business your materials run about a third to 50% of the total.

Well, some MDs are opting out of the insurance scheme and setting up concierge (cash) practices. But there are so many potential pitfalls. Also licensing and malpractice insurance remain major overhead drags. In practice, you would need a large number of docs with many specialties to have any chance of survival. Large number means over 400-500!

Horn

17th October 2013, 09:30 AM

Well, some MDs are opting out of the insurance scheme and setting up concierge (cash) practices. But there are so many potential pitfalls. Also licensing and malpractice insurance remain major overhead drags. In practice, you would need a large number of docs with many specialties to have any chance of survival. Large number means over 400-500!

Compartmentalized fields, I'll bet more than half of doctors must hate that aspect of their careers. If they had specialty in a minimum of 3 they should be able to then call themselves doctors. First spending thousands to learn the entire body then disregard to spend thousands to learn individual parts. Granted once an eye doctor isn't going to go back to perform colostomy, but hey :)

Malpractice is easily solved by legislation and a free market.

Cebu_4_2

17th October 2013, 08:41 PM

I spend most of my days talking to drunk people...

YOU, sir, should see a specialist.

I am a specialist.

mamboni

17th October 2013, 09:33 PM

36,000 PEOPLE HAVE ENROLLED IN THE OBAMACARE CLUSTERFUCK OF FAILURE (http://www.theburningplatform.com/2013/10/17/36000-people-have-enrolled-in-the-obamacare-clusterfuck-of-failure/)

(http://www.theburningplatform.com/2013/10/17/36000-people-have-enrolled-in-the-obamacare-clusterfuck-of-failure/#comments)
Posted on 17th October 2013 by Administrator

Clusterfuck of Failure is too kind of a description for the Obamacare rollout. The same people who have designed and rolled out this computer system are going to control your healthcare from here onwards. They have written tens of thousands of pages of rules and regulations. IRS drones will be enforcing the fines on businesses and individuals. Government apparatchiks will decide whether it is worth saving your life. These morons will dictate what is covered and when you can see a doctor. This will all be administered by thousands of health insurance companies. Millions of forms will need to be filed. Doctors will be driven out of the profession by the reduced reimbursements and myriad of paperwork involved in administering this Clusterfuck.

Either the ignorant masses are so ignorant they don’t even know Obamacare went live, or they are too stupid to even read the instructions, or the computer system is so fucked up that no one is able to sign up, or they now realize free didn’t mean free. No matter the reason, Obama told the people of this country that Obamacare would cover 30 million Americans, save the average family $2,500 per year, and be cost neutral to the budget. Only 28,964,000 Americans to go until Obama’s vision is achieved. I wait for my $2,500 check in the mail every day. Our trillion dollar deficits should start to plummet momentarily, once Obamacare hits its stride.
Less than 1% of HealthCare.gov registrants finish enrollment: report

October 17, 2013, 2:16 PM
By Russ Britt

In case you missed it…..

Fewer than 1% of those trying to register for health insurance under President Obama’s health-care overhaul actually were able to complete the enrollment process during the first week of business at HealthCare.gov.

http://s.wsj.net/public/resources/MWimages/MW-BN332_enroll_ME_20131017130545.jpg

That was the finding earlier this week by Millard Brown Digital (https://blog.compete.com/2013/10/15/obamacare-enrollment-stats/), a researcher that surveyed visitors to the website, rapidly becoming a thorn in the side of supporters of the Affordable Care Act.

Complaints being unable to get insurance using the website have been numerous in the 17 days it has been up and running. For the most part, visitors are unable to get very far in the enrollment process, often not getting past the first few registration pages — a problem that persists.

As Millard’s chart at left shows, there were 9.5 million unique visitors to HealthCare.gov (http://www.healthcare.gov/), with 5.7 million visiting the individual marketplace from Oct. 1 to Oct. 5. Millard Brown estimates 3.7 million tried to register and 1 million of those completed registration.

From there the numbers plummet into the thousands. Successful log-in was achieved by 271,000 users, 196,000 of which began enrollment. And of those, 36,000 actually completed the enrollment process. That works out to 0.97% of the 3.7 million who tried to register.

Neither officials from the Department of Health and Human Services nor the contractor hired to build the web site CGI Group Inc. responded to requests for comment.
The researcher determined traffic fell 88% from HealthCare.gov’s first week to its second, based on what it calls the website’s daily reach. Officials said the daily reach dropped that much between Oct. 1 and Oct. 13.

Millard Brown’s findings were disclosed earlier this week and publicized by the web site Kantar U.S. Insights (http://us.kantar.com/public-affairs/policy/aca-open-enrollment-stats/).

http://www.theburningplatform.com/

EE_

17th October 2013, 09:47 PM

mamboni

17th October 2013, 09:50 PM

Out of the 36,000 people, I'd be interested to know how many of them have pre-existing conditions and/or are in dire need of medical care?

Every last one of them, absolutely without a doubt. The cost overruns on this bureaucratic white elephant are going to shock and awe.

Cebu_4_2

17th October 2013, 10:03 PM

This could have been designed to fail as the AFC plan but it seems to be a successful data miner.

Horn

17th October 2013, 10:59 PM

It will be interesting to see the reverse pyramid flocking into medicaid now that the government is re-opened.

Cebu_4_2

17th October 2013, 11:20 PM

It will be interesting to see the reverse pyramid flocking into medicaid now that the government is re-opened.

That and how much less income people are going to report.

BrewTech

17th October 2013, 11:47 PM

BrewTech

17th October 2013, 11:50 PM

I am a specialist.

Me too.

mamboni

18th October 2013, 08:54 AM

Well worth a listen, includes details about the astounding hypocrisy and duplicity of Boehner the snake:

http://www.youtube.com/watch?feature=player_embedded&v=HU3MkVtXKLk

Jewboo

18th October 2013, 09:34 AM

:(??

Insurance exchange director quits, gets contract (http://www.ktvb.com/news/business/Insurance-exchange-director-quits-gets-contract-228188281.html)

Cebu_4_2

18th October 2013, 10:23 AM

Politics: (http://www.caintv.com/Politics-8) CBSNews: ACA website sending insurance companies incorrect info on the few people who manage to sign up

http://static.caintvnetwork.com/80f05759aaUhOhbama.jpg
Image Credit: CBSNews Published by: Robert Laurie (http://www.caintv.com/authors/rlaurie313) on Friday October 18th, 2013

http://static.caintvnetwork.com/RLauriebiopic65x65.jpg
Uh-oh, more trouble for Obamacare. Why are we not surprised?

By now, everyone knows that Obamacare enrollment is far, far, below target levels. According to a memo uncovered by the AP (http://nypost.com/2013/10/17/white-house-wanted-half-million-obamacare-signups-by-november/), the White House was expecting 500,000 signups by November 1st. Their target by the end of the year was 3.3 million. The most recent estimate is that - overall - a measly 51,000 people had actually registered - most of them via state exchanges in California and New York. Granted, that number was released last week so, while it may be a bit higher today, it's still not going to be anywhere near projections.

Now, we're learning that the problems don't end if you manage to claw your way through the healthcare.gov registration process. In fact, a new CBS News report indicates that's just the beginning of the federal system's troubles.

"CBSNews has learned these problems are more than just people trying to sign up. Insurance companies now are reporting problems once people manage to complete their applications. They say the website is generating duplicate and incomplete enrollment forms, suggesting the problems are pervasive."

So, a meager 20,000 people have managed to register via the federal exchange and the system is so badly designed that - even at such bottom of the barrel levels - it can't keep the data straight. Just imagine if the feds actuallyhad gotten the traffic they expected. Sure, it's annoying, but with only 20,000 applications it should be fairly easy to sort out the errors. However, if the Obama administration had gotten the hundreds of thousands (or millions) of new enrollees it expected, the chaos would have been extraordinary.

Apparently, for the moment, the President is lucky no one wants to have any part of his health care scheme.

His problem is that, the more this system fails, the less people are going to want to use it. That's just human nature. If the AP story is correct, the powers-that-be are still expecting a sudden, massive, influx of signups later this year. If they can't get their site under control by the end of the month - and there's virtually nothing to suggest that they can - it's never going to happen.

If, by some miracle, the signups do suddenly jump and this hasn't been ironed out? The administration will be have elevated its fiasco to a whole new level.

The CBSNews report is below. Be sure to "like" Robert Laurie over on Facebook (https://www.facebook.com/RobertLaurieAuthor) or follow him on Twitter. (https://twitter.com/robertlaurie) You'll be glad you did.

<span><span>
http://youtu.be/gWdjYvJf8Wk

Horn

18th October 2013, 11:09 AM

Well worth a listen, includes details about the astounding hypocrisy and duplicity of Boehner the snake:

Persistent problem with the House, any of those elevated to lead it turn Senatorial.

Horn

18th October 2013, 11:19 AM

News of Obamacare’s imploding launch went from bad to worse Thursday:

Soaring cost: The cost of the Healthcare.gov online insurance website soared from $93.7 million to $292 million since April as the Obama administration began pouring money into the project following concerns it was in trouble. According to Reuters (http://www.reuters.com/article/2013/10/17/us-usa-healthcare-technology-insight-idINBRE99G05Q20131017), “Henry Chao, deputy chief information officer at the lead Obamacare agency, said at an insurance-industry meeting that he was ‘pretty nervous’ about the exchanges being ready by October 1, adding, ‘let’s just make sure it’s not a Third-World experience.’” Now the House Energy and Commerce Committee is investigating (http://www.foxnews.com/politics/2013/10/17/house-panel-probing-troubled-obamacare-site-launch/) the technical problems and contractors who received hundreds of millions of dollars to create it.

Copyright violation: The Obamacare website has reportedly violated licensing agreements for copyrighted software (http://www.weeklystandard.com/blogs/obamacare-website-violates-licensing-agreement-copyrighted-software_763666.html?utm_source=twitterfeed&utm_medium=twitter). The website failed to comply with the user agreement when it removed copyright notices from the software. The company says it will pursue action against the Department of Health and Human Services.

Minimal testing: The site wasn’t even tested until less than a week before its launch (http://washingtonexaminer.com/troubled-obamacare-website-wasnt-tested-until-a-week-before-launch/article/2537381). A person with direct knowledge of the procedures told the Washington Examiner, “Normally a system this size would need 4-6 months of testing and performance tuning, not 4-6 days.”

Old technology: Technology experts are reporting that the federal exchange was built with “10-year-old technology (http://www.wnd.com/2013/10/tech-experts-health-exchange-site-needs-total-overhaul/?cat_orig=health) that may require constant fixes and updates for the next six months and the eventual overhaul of the entire system.”

Nancy Pelosi complains: The glitches have become so bad, even House Minority Leader Nancy Pelosi (http://www.politico.com/story/2013/10/nancy-pelosi-obamacare-website-98487.html) – who personally pushed Obamacare through the House when she was speaker – said the system “has to be improved,” though she claims the problems are due to overwhelming traffic. Pelosi added, “I hope that we would have some answers soon and that the answer would be: OK, we’ve found the glitch or whatever it is, it’s been corrected and here’s a demonstration of how people, when they approach it now, will be received.”

No accountability: White House press Secretary Jay Carney tried to distance the president’s signature legislation from the troubled website, arguing, “It’s important to remember the website alone is not the Affordable Care Act.” But Carney refused to answer whether anyone would be held accountable for the botched roll-out (http://rncresearch.tumblr.com/post/64312992909/white-house-refuses-to-answer-if-anyone-will-be).

Designers distance themselves: Now even the designers who helped create Healthcare.gov have erased all references to their Obamacare-related work from their firm’s website. (http://www.buzzfeed.com/evanmcsan/design-firm-removes-all-reference-to-its-work-on-obamacare-f?bftw=)

Contractors fainting: And Healthcare.gov contractors claim they’ve been working themselves sick trying to fix the glitches. “There’s a lot of frustration,” a staffer said (http://www.washingtonpost.com/blogs/wonkblog/wp/2013/10/16/meet-cgi-federal-the-company-behind-the-botched-launch-of-healthcare-gov/). “People are getting sick, fainting in conference calls.”

Navigators frustrated: Other community organizations and nonprofit groups that had been hired to help millions of Americans sign up for Obamacare are now expressing frustration (http://www.reuters.com/article/2013/10/17/usa-healthcare-navigators-idUSL1N0I527J20131017) over the enrollment process. (Wade Rathke, founder of ACORN (http://www.nationalreview.com/corner/361442/acorn-offshoot-act-obamacare-navigator-alec-torres), is now participating in the Obamacare “navigator” drive.)

Tremendously low enrollment: Three weeks after the website’s launch, enrollment numbers remain very low (http://twitchy.com/2013/10/17/pop-the-champagne-state-o-care-exchanges-celebrate-pitiful-enrollment-numbers/?utm_source=autotweet&utm_medium=twitter&utm_campaign=twitter). Washington state has only enrolled .36 percent of its population. Only .25 percent of Californians have started applications. Only .08 percent of Nevada’s population has created an account. Just .3 percent of Kentucky’s estimated population has purportedly enrolled. While 28,000 applications were submitted by Kentucky residents, page views were said to have exceeded 5.5 million. About 100,000 New Yorkers were said to have “qualified” for health insurance. Only .22 percent of Minnesota’s population has applied for coverage, but one-third of that number is said to have enrolled. Millard Brown Digital (https://blog.compete.com/2013/10/15/obamacare-enrollment-stats/), reporting that fewer than 1 percent of the people trying to enroll in Obamacare had completed the enrollment process in the first week, released the following chart:

Americans losing insurance: Also Thursday, Americans began tweeting their anger and surprise (http://twitchy.com/2013/10/17/obamacare-train-wreck-americans-tweet-anger-surprise-over-cancellations-higher-premiums/) over insurance cancellations and the higher premiums they will be forced to pay under Obamacare.

Sebelius won’t resign: Health and Human Services Secretary Kathleen Sebelius will not resign (http://thehill.com/blogs/healthwatch/health-reform-implementation/329135-sebelius-not-quitting-over-obamacare-woes-says-brother) over the disastrous Obamacare website roll-out despite numerous calls for her to be fired, her brother says, adding, “You don’t resign in the middle of a fight.” Sebelius’ sister told the New York Times, “The White House is smart enough to know that if she steps aside or they ask her to resign, they will never get anybody else confirmed. Plus, I don’t think they hold her responsible.”

Sticker shock: The Heritage Foundation (http://www.heritage.org/research/reports/2013/10/enrollment-in-obamacare-exchanges-how-will-your-health-insurance-fare?utm_source=twitter&utm_medium=social) released the following chart showing that insurance on health exchanges will cost more than existing insurance:
http://www.wnd.com/files/2013/10/premium_chart.jpg

Read more at http://www.wnd.com/2013/10/obamacare-troubleshooters-faint-from-exhaustion/#0Xfgr2PstUGBTtVi.99

mamboni

18th October 2013, 11:45 AM

If you put the federal government in charge of the Sahara Desert, in 5 years there'd be a shortage of sand. (http://gold-silver.us/quotes/quotes/m/miltonfrie387252.html)

-Milton Friedman

EE_

18th October 2013, 12:05 PM

If you put the federal government in charge of the Sahara Desert, in 5 years there'd be a shortage of sand. (http://gold-silver.us/quotes/quotes/m/miltonfrie387252.html)

-Milton Friedman

If you put the federal government in charge of the Sahara Desert, in 5 years the Jews will own it and tax you on every grain.

-EE

Horn

18th October 2013, 12:05 PM

If you put the federal government in charge of the Sahara Desert, in 5 years there'd be a shortage of sand. (http://gold-silver.us/quotes/quotes/m/miltonfrie387252.html)

-Milton Friedman

Doesn't sound like anyone is being deceived here for too long, or its just a blatant fudge.

Possibly a leading excuse to U.S. default.

"Sorry China & world, we were trying to emulate yous guys and failed miserably"

mamboni

18th October 2013, 12:22 PM

Doesn't sound like anyone is being deceived here for too long, or its just a blatant fudge.

Possibly a leading excuse to U.S. default.

"Sorry China & world, we were trying to emulate yous guys and failed miserably"

I'm waiting for an MSM commentator to opine that all the people who didn't register or couldn't log on are closet racists who hate Obama because he is black. Sounds ridiculous? Just wait and see.

Horn

18th October 2013, 01:11 PM

I'm waiting for an MSM commentator to opine that all the people who didn't register or couldn't log on are closet racists who hate Obama because he is black. Sounds ridiculous? Just wait and see.

Not a chance, that could lead to blacks who do trust other blacks in business siting that doing business with a mix breed is questionable.

Once his base sees the sticker price they will call him a Pelosi cracka.

Hypertiger

18th October 2013, 01:56 PM

It was nothing more than a torpedo into a sinking ship.

It takes decades to construct a medical care system...you can not just vote one into existence.

Libertytree

18th October 2013, 02:12 PM

It was nothing more than a torpedo into a sinking ship.

It takes decades to construct a medical care system...you can not just vote one into existence.

I'd think about giving a thanks to this statement, BUT.....A, it's a bot or B, it's someone that can't be appreciative of others salient points and give a thanks when apropos. Cold be a C...sock puppet from hell?

Horn

18th October 2013, 02:37 PM

I'd think about giving a thanks to this statement, BUT.....A, it's a bot or B, it's someone that can't be appreciative of others salient points and give a thanks when apropos. Cold be a C...sock puppet from hell?

There's only two types of kittys, those that only appreciate when you stroke them,

and the kind you hurl off of your leg when its hungry. :)

Libertytree

18th October 2013, 02:43 PM

There's only two types of kittys, those that only appreciate when you stroke them,

and the kind you hurl off of your leg when its hungry. :)

There's a 4th kind....those that wind up in a gunny sack, snuggling 5lb rocks.

Neuro

18th October 2013, 02:47 PM

There's a 4th kind....those that wind up in a gunny sack, snuggling 5lb rocks.
Great way of thanking for a good post!

Whats the third kind?

mick silver

19th October 2013, 01:44 PM

in the new paper this morning it said that Obamacare web site has cost over 700 million to get it up and running

Hypertiger

19th October 2013, 02:07 PM

http://hypertiger.blogspot.ca/

updated.

ShortJohnSilver

19th October 2013, 02:18 PM

It seems really simple.

If I stood on a street corner, handing out $20 bills - would I need to pass a big law in order to FORCE people to accept them from me? No, people are smart enough to realize that taking the $20, benefits them.

So if I offer ObamaCare, why is there a penalty for not participating? Why is it, that the friends of the Obama admin, are all pestering them for waivers from OC? That the waivers are seen as a benefit, tells you EVERYTHING you need to know about OC.

Hypertiger

19th October 2013, 02:32 PM

Suicide looks good before it is committed.

mamboni

19th October 2013, 08:24 PM

http://www.ijreview.com/wp-content/uploads/2013/01/obamacare-taxes1.jpg

mamboni

19th October 2013, 08:34 PM

Anna Gorman and Julie Appleby Kaiser Health News

Oct. 18, 2013 at 2:55 PM ET

Health plans are sending hundreds of thousands of cancellation letters to people who buy their own coverage, frustrating some consumers who want to keep what they have and forcing others to buy more costly policies.

The main reason insurers offer is that the policies fall short of what the Affordable Care Act requires starting Jan. 1. Most are ending policies sold after the law passed in March 2010. At least a few are canceling plans sold to people with pre-existing medical conditions.

“If you like your doctor, you will be able to keep your doctor. Period. If you like your health-care plan, you will be able to keep your health-care plan. Period. No one will take it away. No matter what.”

“For people with insurance, the only impact of the health-care law is that their insurance is stronger, better, and more secure than it was before. Full stop. That’s it. They don’t have to worry about anything else.”

“If you already have health insurance, the only thing that will change for you under this plan is the amount of money you will spend on premiums. That will be less.”

“I want to be very clear: I will not sign on to any health plan that adds to our deficits over the next decade.”

“Health care reform will cut the cost of a typical family’s premium by up to $2,500 a year.”

-Barack Hussein Obama (alias Barry Soetero), Foreign-born illegitimate POTUS, serial liar, Marxist-Communist stooge, illegal drug user,

who has utterly destroyed what was left of the public's trust in 'their' government and confirmed, at least to me, that this government has committed to war on the American people and our Constitution. This grievous matter cannot be resolved politically or peacefully. I have come to hate and loathe this alien government, for its abuses of power, its utter lack of legitimacy, for its self-serving lust for domination and control, and for its outright treason against our founding document, The United States Constitution.

I am confident that there is a warm place in hell reserved for Barry and his fellow vermin in Washington.

Idiots who voted for Obama

http://www.youtube.com/watch?v=e_JJLLfTR8I

Who is this lying skank of a POTUS anyway?

http://www.youtube.com/watch?v=l-HqHSkYG-Y

mamboni

19th October 2013, 08:51 PM

Would you call this austerity?

You are one strange duck EE.

BrewTech

19th October 2013, 09:31 PM

I talked to my cats tonight about ObamaCare. What they told me only reinforced my prior viewpoint. We all agreed...

NOT HAPPENING

Horn

21st October 2013, 10:19 AM

I talked to my cats tonight about ObamaCare. What they told me only reinforced my prior viewpoint. We all agreed...

NOT HAPPENING

Obama was just on T.V. says everything's great, and that the website is not what the long hard battle was for.

He seemed a little concerned about low enrollment though, or if Obamacare been setup with enough representatives to handle things personally with clients there would be no savings in it whatsoever.

mamboni

21st October 2013, 10:24 AM

Obama was just on T.V. says everything's great, and that the website is not what the long hard battle was for.

He seemed a little concerned about low enrollment though, or if Obamacare been setup with enough representatives to handle things personally with clients there would be no savings in it whatsoever.

I watched the first few seconds before I had to turn it off to vomit into the toilet. So Obamacare costs the same as a cell phone or cable TV? Really Barry? Anyone here paying $400 per month for their cell phone, with $5000 deductable for phone replacement/upgrade? Anyone here have to provide your SSN and confidential financial/banking info to sign up for cell phone or cable TV?

This guy's bullshitting is so over the top as to be outerdimensional. What a total fucking joke.

midnight rambler

21st October 2013, 11:09 AM

Anyone here have to provide your SSN...to sign up for cell phone

Actually to get 'credit' with a cell fone provider one must provide a SS#. And the requirement for the SS# is to establish that one is a 'Federal employee' aka US citizen (aka a practicing Communist).

I once looked into having my wisdom teeth extracted for 'free' by participating in one of those pharma 'research studies' and when I advised the fellow with the outfit conducting same that I didn't have a SS# to provide them he said there was no way I could participate without a SS# at which point he quickly got off the call - THAT speaks volumes as to the nature of the SS#.

Horn

21st October 2013, 12:54 PM

This guy's bullshitting is so over the top as to be outerdimensional. What a total fucking joke.

He gave one example of a self employed man with family named John somewhere.

Apparently john was able to more than half his existing payments.

He and his wife Mary were so overjoyed, that they asked their congressman to send a bill to the floor that would remove term limits to the Presidency....

mamboni

21st October 2013, 01:05 PM

He gave one example of a self employed man with family named John somewhere.

Apparently john was able to more than half his existing payments.

He and his wife Mary were so overjoyed, that they asked their congressman to send a bill to the floor that would remove term limits to the Presidency....

You're joking, yes?

Horn

21st October 2013, 01:10 PM

You're joking, yes?

Only the last verse excluding the "Happy Mary"

mamboni

22nd October 2013, 01:04 PM

Top Ten ObamaCare Horror Stories the Media Are Covering Up

http://cdn.breitbart.com/mediaserver/Breitbart/Big-Government/2012/Obamacare/reuters-doc-office.JPG

Email Articlehttp://w.sharethis.com/images/check-small.pngPrint articleSend a Tip (http://gold-silver.us/System/Breitbart%20Send%20A%20Tip?page=%2fBig-Journalism%2f2013%2f03%2f22%2fTop-Ten-ObamaCare-Stories-Media-Covering-Up)

by John Nolte (http://gold-silver.us/Columnists/John-Nolte)22 Mar 2013161 (http://gold-silver.us/Big-Journalism/2013/03/22/Top-Ten-ObamaCare-Stories-Media-Covering-Up#disqus_thread)post a comment (http://gold-silver.us/Big-Journalism/2013/03/22/Top-Ten-ObamaCare-Stories-Media-Covering-Up#comments)
http://cdn.breitbart.com/mediaserver/Breitbart/Columnists/Headshots-80x100/contributor-80x100-jnolte.png

Because the mainstream media lobbied every bit as hard as Obama to win passage of ObamaCare, they are every bit as invested in doing whatever is necessary to see that it is perceived as a success. Unfortunately for Americans who expect truth from their media, this means the media are having to manufacture a false reality that says ObamaCare is, to steal a phrase, "doing fine."

In order to manufacture this phony reality, the media must further sell their blackened souls by violating one of their most cherished principles: reporting on how government policy hits America's weakest the hardest. It's just a fact that the worst fallout of ObamaCare is already landing hard on the working class, who are losing work hours, jobs, and their insurance.

Usually when a government policy hits the working class, the media will fall all over themselves to "tell their personal stories." But not these people. The media perceive these poor souls as sacrifices to a bigger cause known as The State.

So with that in mind, I present to you (with big hat tips to Drudge (http://www.drudgereport.com/) and Investors Business Daily (http://news.investors.com/032113-648891-obamacare-turns-3-10-disturbing-facts-about-health-law.aspx?p=full)) the top ten ObamaCare horror stories the media are willfully covering up.
In no particular order…

1. Millions are and will lose the insurance Obama promised they could keep. Because ObamaCare forces employers to offer expensive Cadillac plans but also offers the option of paying a fine for not providing health insurance that can be cheaper than providing it, between seven and twenty million Americans are likely to lose their health insurance coverage according to the Congressional Budget Office. The original estimate was closer to four million (http://news.investors.com/032113-648891-obamacare-turns-3-10-disturbing-facts-about-health-law.aspx?p=full).

2. The cost of healthcare premiums is about to further skyrocket (http://capsules.kaiserhealthnews.org/index.php/2012/12/state-insurance-officials-raise-concerns-about-rate-shock-for-young-people/). Premium costs have already exploded, but that is a slow-motion explosion. In the near future, we could see costs double or worse. Naturally, these costs will hit an already burdened middle class hardest.

3. Lost jobs (http://news.investors.com/032113-648891-obamacare-turns-3-10-disturbing-facts-about-health-law.aspx?p=full). Lost jobs (http://washingtonexaminer.com/study-obamacare-threatens-3.2-million-small-business-jobs/article/2525125).
The Federal Reserve's March beige book on economic activity noted that businesses "cited the unknown effects of the Affordable Care Act as reasons for planned layoffs and reluctance to hire more staff."

Meanwhile, human resources consulting firm Adecco found that half of the small businesses it surveyed in January either plan to cut their workforce, not hire new workers, or shift to part-time or temporary help because of ObamaCare.

4. Potential doctor shortages that will mean rationing. The healthcare industry is already a bureaucratic quagmire. ObamaCare is about to add steroids. As the profession becomes tyrannized by government, the talented people currently practicing medicine plan to get out sooner than expected (http://www.everydayhealth.com/senior-health/more-docs-plan-to-retire-early.aspx). Who knows how many will choose not to get in.

Doctor shortages lead to the nightmare known as rationed care. Here's an unsettling example already being practiced (http://www.everydayhealth.com/healthy-living/group-appointments-with-doctors-when-three-isnt-a-crowd.aspx).

5. Somewhere around $800 billion in tax increases will hit America's middle class (http://news.investors.com/022213-645480-obamacare-tax-net-will-ensnare-wallets-of-middle-class.aspx). This added burden will not only further oppress a middle class already reeling from a drop in wages over the last few years, but could damage the overall economy.

6. Inflation, the cruelest tax on the poor. When businesses get socked with added costs brought about by higher taxes and burdensome government mandates, they pass those costs along to the consumer in the form of higher prices.

7. Added bureaucracy. Even those Obama lapdogs over at the Washington Post's Wonk Blog are admitting that applying for health care is about to get more burdensome than the byzantine paperwork involved in buying a home (http://www.washingtonpost.com/blogs/wonkblog/wp/2013/03/20/can-you-get-obamacare-this-insanely-complicated-chart-will-tell-you/).

8. To cut costs or to avoid having to provide insurance, workers on the economic margins are already losing hours (http://www.breitbart.com/Big-Government/2013/02/10/Now-States-Cutting-Employee-Hours-to-Avoid-Obamacare-Costs), which means a lower paycheck. There are a million sad stories in ObamaVille; here (http://www.examiner.com/article/motor-carriers-cut-dock-worker-hours-due-to-obamacare) are just (http://www.news9.com/story/20526053/guthrie-taco-bell-worker-speaks-after-hours-cut-to-avoid-health-insurance-mandate?utm_medium=referral&utm_source=t.co) a few (http://www.huffingtonpost.com/2013/01/07/wendys-obamacare_n_2425066.html) of them (http://www.dailymail.co.uk/news/article-2233221/Dennys-charge-5-Obamacare-surcharge-cut-employee-hours-deal-cost-legislation.html).

9. ObamaCare is projected to add $6.2 TRILLION (http://www.nationalreview.com/corner/341589/gao-report-obamacare-adds-62-trillion-long-term-deficit-andrew-stiles) to a deficit the GAO has already declared "unsustainable (http://www.breitbart.com/Big-Journalism/2013/01/22/media-Ignores-GAO-Report-Debt-Unsustainable)." That's "trillion" with a "t".

10. More taxes than currently estimated are likely to hit because of situations like this one (http://www.washingtonpost.com/national/health-science/2013/02/15/cb9d56ac-779c-11e2-8f84-3e4b513b1a13_print.html).
Three years ago, Obama, Democrats, and his media lied to us about cutting the cost of health care, being able to keep our insurance, and not taxing the middle class.

Today, those lies and what ObamaCare is and will do to the working and middle class are the biggest untold story in America.

The media is currently engaged in an ObamaCare cover-up every bit as big, corrupt, and damaging as the ongoing Libya cover up.

mick silver

22nd October 2013, 03:25 PM

there no end to the take take take they are doing to the people who work in this country

mick silver

22nd October 2013, 04:07 PM

from the kitty site ................ Obamacare was named after him...So that all of you would have zero trouble knowing who to blame.

It was a set up from square one.

Obama did not write the program...

it's a killer app...you all believe it is designed to work.

it was doomed to fail from square one.

the only way to make obamacare work...is to remain ignorant of the fact it does not.

when it was first proposed...it was designed to produce the chaos you see now.

that is being blamed back and forth between the two divided and conquered programs.

but the legislation or program you all are following...was designed from square one...to screw you all...not help you.

this was obvious back when Obamacare first showed up.

You all will never suspect this...that you all swindled yourselves...all part of a secret doomsday cult and Obamacare was the LSD spiked kool aid...you all drank...and are going insane.

You all (in and out hook line and sinker) have already fallen hard for the scam...and you all will never admit you were fooled...While at the same time.

You all and everyone else in the world watching you all...do not even know you all in the USA have been fooled or that everyone watching from outside the USA has been fooled into thinking that what they are watching is real.

All consumed...like a virus in a Trojan horse....the sugar coated outside of the pill dissolved revealing the real payload...once it was inside behind the walls of your immune system.

The reality is that...There is no way to change any legislation in the world like this.

it takes decades to construct a functional medical care system.

You all were sold a fantasy...

That you all are killing yourselves paying to make a reality.

this is good medicine...and you all better have smiles on your dial...because if good medicine is making you feel bad...you all must be suffering from a mental problem.

A reasonable assumption or lie you were sold as Truth.

That you all bought and are powering to the logical conclusion of the reasonable assumption.

killing yourselves to supply power to...what a wonderful care system.

too bad you all are not computer programs.

then all I would have to do is change a bit of information.

where the check by the program is made to see if you are going to cry like babies when you get what you deserve.

is made.

I just make sure to force no bit of information to be in there.

Like making you all forget to cry like babies on the Internet...

I just keep eliminating bits of information...until you all are robots following a basic program.

And I relax while you all are caught in power struggles that last decades...hacking yourselves to pieces trying to reacquire what you never had to begin with or what you never will.

Freedom from the tyranny of Truth.

killing yourselves to implement plans...that have no end to the implementation except death...you all will just take a licking and keep on ticking proving you are right every time you are wrong until you run out of time...and going like little energizer rabbits caught in the headlights of the positive future.

Oblivious of what lies behind the delusion you cherish...

The drone wars.

All of you are the drones.

in the hive mind.

of the matrix.

the world wide web of lies an delusion.

Entangled particles trying to have spooky action at a distance sexual relations.

To find new followers...to the bright glorious future.

That all the 1000 points of light connect to.

All the light the rabbits in the headlights think is awesome.

Until what is behind the headlights...gives them the kiss of the apocalypse of bliss.

The revelation of the negative consequences hiding behind the positive consequences of choosing to worship lies as Truth.

rabbits do not want that fate...but the universe only supplies the rabbits with what they need.

Not what they want.

Below is what a retard obviously produced...Please tell me how to do math like a normal person please...the calculus is off a tad I think.

http://3.bp.blogspot.com/-td8kQJSmRlA/Uk9-K1mEQcI/AAAAAAAAAFQ/XJdRLo-7CLY/s320/1%25.jpg (http://3.bp.blogspot.com/-td8kQJSmRlA/Uk9-K1mEQcI/AAAAAAAAAFQ/XJdRLo-7CLY/s1600/1%25.jpg)

mamboni

23rd October 2013, 12:15 PM

Sebelius: I'm Not Signing Up for Obamacare

October 23, 2013 - 7:25 AM
By Susan Jones (http://gold-silver.us/source/susan-jones)
Subscribe to Susan Jones (http://gold-silver.us/source/72540/feed) RSS

Follow Susan Jones (https://twitter.com/SJonesCNS) on Twitter

http://gold-silver.us/forum/attachment.php?attachmentid=5533&d=1382552719

Health and Human Services Secretary Kathleen Sebelius (AP File Photo)

(CNSNews.com) - In an interview with CNN's Dr. Sanjay Gupta Tuesday night, Health and Human Services Secretary Kathleen Sebelius said she won't be enrolling in the problem-plagued health insurance system that she was charged to implement.

"I have created an account on the site. I have not tried signing up, because I have insurance," she told Gupta.
But Sen. Rand Paul (R-Ky.) says government officials like Sebelius should be required to live under the same laws they impose on everyone else.

- See more at: http://cnsnews.com/news/article/susan-jones/sebelius-im-not-signing-obamacare#sthash.20jTcNDx.dpuf

Sibelius: "Stop yur whining prolle! Here's some cake!"

5533

EE_

23rd October 2013, 12:39 PM

Hopefully people will boycott the Ravens...don't purchase their merchandise, go to their games, or watch them on TV.
They deserve to lose more then the $130K for accepting the bribe, with our money!

Taxpayers Paying Baltimore Ravens $130K to Promote Obamacare
by Breitbart Sports 22 Oct 2013

Taxpayers are paying the Baltimore Ravens, the defending Super Bowl champions, $130,000 to promote Obamacare in Maryland.
Judicial Watch, which has held Republicans and Democrats to account, obtained documents that detailed the deal, which was secured on September 9 between the Ravens and Maryland health officials.

In September, the Baltimore Ravens announced they would help the Maryland Health Connection, which is the state's Obamacare exchange, after the Obama administration failed to strike deals with professional sports leagues like the NFL and the NBA to promote Obamacare.

After that announcement, Judicial Watch filed a Maryland Public Information Act request for details, and the organization discovered a “Sponsorship Agreement” between the Maryland Health Connection and the Ravens.

According to Judicial Watch, Maryland agreed to pay the Ravens "$130,000 to push Obamacare on television, radio, the team’s official website, its newsletter and in social media. This includes the Ravens Report Show on cable TV and a number of pre and post-game radio segments as well as Facebook and Twitter plugs."
http://www.breitbart.com/Breitbart-Sports/2013/10/22/Taxpayers-Paying-Ravens-130K-to-Promote-Obamacare

mamboni

26th October 2013, 03:50 PM

Toni Townes-Whitley, Princeton class of ’85, is senior vice president at CGI Federal, which earned the no-bid contract (http://washingtonexaminer.com/article/2537194#.UlvHPWwQRGk.twitter)to build the $678 million Obamacare enrollment website at Healthcare.gov.

Michelle Obama’s Princeton classmate is executive at company that built Obamacare website
http://dailycaller.com/2013/10/25/michelle-obamas-princeton-classmate-is-executive-at-company-that-built-obamacare-website/

Lawmakers: Sebelius failed at government website projects prior to serving in Obama administration
http://dailycaller.com/2013/10/23/lawmakers-sebelius-failed-at-governmen... (http://dailycaller.com/2013/10/23/lawmakers-sebelius-failed-at-government-website-projects-prior-to-serving-in-obama-administration/)

John McAfee said on Coast to Coast that the company (CGI) failed at Canadian initiatives and was accused of intentionally overcharging. Brietbart has a story on it:
http://www.breitbart.com/Big-Government/2013/10/22/Obamacare-Tech-Firm-Built-Canadian-Gun-Registry

The whole broadcast with McAfee on Coast to Coast here:
http://www.youtube.com/watch?v=LGsHpcEYg8I

McAfee was quite cogent.

Horn

26th October 2013, 04:59 PM

Guess they figured there'd be offices sprung up everywhere by this time to handle Affordable Care Customers.

mamboni

28th October 2013, 07:51 AM

http://www.youtube.com/watch?v=e3-RKS0_NKk&feature=player_embedded

mamboni

30th October 2013, 06:20 PM

Vladimir Lenin: "Socialized Medicine is the Keystone to the Arch of the Socialist State."

Dr. Benjamin Carson on Cavuto Slams Barack Obama Health Care Speech in Boston – 10/30/13

http://www.youtube.com/watch?v=OxP60d2OCz4&feature=player_embedded

Libertytree

30th October 2013, 07:02 PM

Zerocare and the bank bailouts are the same damn things, in both cases the majority sentiment was a firm NO, in both cases we got told to go fuck ourselves! The only thing worse about the Zerocare is the fact that the laws/bold print/fine print weren't even read and they voted for it! Bunch a traitor assholes that can kiss my ass.

mamboni

31st October 2013, 07:51 AM

Why ObamaCare Must Be Stopped

http://www.youtube.com/watch?v=HFTUEe_cC1w&feature=player_embedded

mamboni

31st October 2013, 08:08 AM

Insurance company executives are being threatened with retribution if they publicly criticize the rollout of ObamaCare, or inform the public about some of the most pressing issues with the disastrous healthcare plan.

http://www.youtube.com/watch?v=QHWEUPOFO8M&feature=player_embedded

Ares

31st October 2013, 08:38 AM

http://www.godlikeproductions.com/sm/custom/h/c/1eaebc7031.jpg

mamboni

31st October 2013, 09:08 AM

http://www.godlikeproductions.com/sm/custom/h/c/1eaebc7031.jpg

Yeah, what a total prick.

Horn

31st October 2013, 09:15 AM

http://www.youtube.com/watch?v=QHWEUPOFO8M&feature=player_embedded

Did he just say that 48% of Health Insurance customers are Fed related?

mamboni

31st October 2013, 09:26 AM

Did he just say that 48% of Health Insurance customers are Fed related?

Yeah, 48% of health plans are "government backed." The fucking federal government is taking over everything with lies, deception and if necessary coersion, intimidation and force. We have an outlaw government operating as a crime family. They don't follow the law. They don't respect the rights of the citizenry. They are completely out of control.

The time for revolution has arrived. This federal government has declared war on the people. It's abuses far exceed those of King George. They want not only to consume your liver. They want your body, your property, your mind and your total obediance to their twisted murderous genocidal totalitarian plan where they rule as literal czars and you and I slave for them until we die. It's time for every free man and woman to say "fuck you" to the federal government. If just 10% of the population took up arms against the government it would be totally frozen in it's corrupting greedy tracks.

7th trump

31st October 2013, 09:39 AM

Yeah, 48% of health plans are "government backed." The fucking federal government is taking over everything with lies, deception and if necessary coersion, intimidation and force. We have an outlaw government operating as a crime family. They don't follow the law. They don't respect the rights of the citizenry. They are completely out of control.

The time for revolution has arrived. This federal government has declared war on the people. It's abuses far exceed those of King George. They want not only to consume your liver. They want your body, your property, your mind and your total obediance to their twisted murderous genocidal totalitarian plan where they rule as literal czars and you and I slave for them until we die. It's time for every free man and woman to say "fuck you" to the federal government. If just 10% of the population took up arms against the government it would be totally frozen in it's corrupting greedy tracks.

The government has taken you over since 1935.
Better yet, you cannot complain, you allowed the government to take over.....why do you still complain about it? Why not do something about it and just stop participating in the welfare program and tell Obamacare to take a flying hike.

(13) the term “Federal personnel” means officers and employees of the Government of the United States, members of the uniformed services (including members of the Reserve Components), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States (including survivor benefits).

Just what do you think the Social Security Administration is?
Its a federal government agency administering a government retirment program having immediate and deferred benefits.
"Unemployment" is an immediate benefit as much as food stamps are immediate.

The answer is right in front of you and you remain in doing nothing to help yourself, except of course, to bitch and complain about the shackles around your wrist and ankles if that is actually helping yourself.
Do something or stop bitching!

EE_

31st October 2013, 09:39 AM

Ares

31st October 2013, 09:54 AM

The government has taken you over since 1935.
Better yet, you cannot complain, you allowed the government to take over.....why do you still complain about it? Why not do something about it and just stop participating in the welfare program and tell Obamacare to take a flying hike.

Just what do you think the Social Security Administration is?
Its a federal government agency administering a government retirment program having immediate and deferred benefits.
"Unemployment" is an immediate benefit as much as food stamps are immediate.

The answer is right in front of you and you remain in doing nothing to help yourself, except of course, to bitch and complain about the shackles around your wrist and ankles if that is actually helping yourself.
Do something or stop bitching!

That's what Pete Hendrickson was fighting for in his court case that he lost. The Judge threw it out as it didn't have merit.

I know we've discussed this before, and I think you agreed with me on that Pete had a filed W-4 with his employer so that's why the judge threw it out as it didn't have merit he volunteered.

Now how do we go about fighting this with a signed W-4 on record with the employer volunteering our "wages" to be taxed?

mamboni

31st October 2013, 10:03 AM

The government has taken you over since 1935.
Better yet, you cannot complain, you allowed the government to take over.....why do you still complain about it? Why not do something about it and just stop participating in the welfare program and tell Obamacare to take a flying hike.

Just what do you think the Social Security Administration is?
Its a federal government agency administering a government retirment program having immediate and deferred benefits.
"Unemployment" is an immediate benefit as much as food stamps are immediate.

The answer is right in front of you and you remain in doing nothing to help yourself, except of course, to bitch and complain about the shackles around your wrist and ankles if that is actually helping yourself.
Do something or stop bitching!

And what are you doing, you arrogant feathered beak-mouth self-appointed expert?

Horn

31st October 2013, 10:12 AM

Yeah, 48% of health plans are "government backed."

Are Insurance companies so stupid as to think those won't eventually rollover into Obamacare?

I guess they feel they will be treated kindly with estates in Yorkshire and Hampton if they comply with the king.

7th trump

31st October 2013, 11:37 AM

And what are you doing, you arrogant feathered beak-mouth self-appointed expert?

Its what I did, not what I'm doing.
I stopped SS participation....thats what I did (no W3 transmittal form being reported, legally).
No SS taxes being deducted or any federal withholdings.....no 1040's to file (no requirement).
No 1040's to file means Obamacare doesnt apply.

Self-appointed expert?
Well if I took the time to research how the law "properly "works, instead of taking the advice of palani, and acted upon it then yes.....I'm a self-appointed expert.
Thanks for noticing!

Do you think "federal personel" are equal to the People?
If not, reverse engineer what causes you being a 5USC 522a(13) "federal personel".
You're supposedly a doctor and reverse engineering 5USC 522a(13) is simple that a child can do it..........so whats stopping you?

Horn

31st October 2013, 12:06 PM

so whats stopping you?

You're just trying to get him to be the one blowing the 7th trumpet.

7th trump

31st October 2013, 01:23 PM

You're just trying to get him to be the one blowing the 7th trumpet.

No.....I'm pushing him to do something that only he can do.

mamboni

1st November 2013, 07:40 AM

Have you had enough of this BS yet? Is this a republic, a government by and the for people? Or have you given up? Are we just another socialist-communist “people’srepublic” in name only? This fraud, this liar, this undocumented nobody in the Oval Office has turned the lives of millions of American families upside down, folk whose only offense is playing by the rules and obeying the laws. When the laws are corrupt, the people are morally obligated to disobey them. The Kenyan interloper’s abuses far exceed any abuses committed by King George III.

Obamacare: Ongoing Disaster With No End InSight

Affordable Care Act has all the hallmarks of a ‘Lead Zeppelin’

No one has ever seen anything like it in the history of thisnation! Nothing even comes close. We’re talking about the proverbial “Crash & Burn“,but on a truly epic scale.

Obamacare (also known as the ‘Affordable’ Care Act or ACA) hasproven to be the most disastrous piece of legislation in American history, barnone. And it just keeps getting worse. Yes, worse, even when you thought thatthey couldn’t “sink the Titanic a second time”.

How did we get here?

Let’s start by considering the following quote from NancyPelosi, a purported congresswoman from the Bay area. We say purported because acongressperson is supposed to represent his or her constituency. We wonder howshe was doing that while uttering the following preposterous comment:

“But we have to pass the [health care] bill so that you can findout what’s in it….”

– Spokenby Nancy Pelosi in March 2010 when she was Speaker of the House

You can’t make this stuff up!

Can you imagine passing the most costly and expensive,far-reaching and expansive, cumbersome and unwieldy, untested and unproven,flawed and defective, massive and consequential piece of legislation in thewake of the greatest economic recession (really depression) since the foundingof the republic? !

That’s exactly what these elected representatives did. In theface of the greatest public outcry ever seen from the body politic.

Look at the list of groups who have weighed in — vehemently —against this oppressive and ill-thought-out law.

Why dopeople hate Obamacare? (http://answers.yahoo.com/question/index?qid=20120628085808AASHvA2)
WhyAmerica still hates Obamacare (http://communities.washingtontimes.com/neighborhood/tygrrrr-express/2013/oct/4/why-obamacare-remains-hated/)
Whyis ObamaCare so unpopular? 4 theories (http://theweek.com/article/index/226071/why-is-obamacare-so-unpopular-4-theories)
Whyare so many people against Obamacare? (http://answers.yahoo.com/question/index?qid=20130928213025AA455p6)
5Reasons America’s Young May Hate Obamacare (http://wallstcheatsheet.com/stocks/5-reasons-americas-young-may-hate-obamacare.html/)
Why doctorshate ObamaCare (http://nypost.com/2012/10/16/why-doctors-hate-obamacare/)
LaborGroups against ObamaCare (http://www.ncpa.org/sub/dpd/index.php?Article_ID=23571)
TheCatholic Church vs. ‘ObamaCare’ (http://theweek.com/article/index/223860/the-catholic-church-vs-obamacare)
GroupsRally Against The Affordable Care Act (http://www.witn.com/news/affordablecareact/headlines/Groups-Rally-Against-The-Affordable-Care-Act-225202842.html)
9Reasons Why Many Liberals Absolutely Hate Obamacare (http://www.rightsidenews.com/2013101733344/editorial/us-opinion-and-editorial/9-reasons-why-many-liberals-absolutely-hate-obamacare.html)
9Valid Concerns We Can All Have About Obamacare, Without Thinking It WillLiterally Bring Hell On Earth (http://www.huffingtonpost.com/2013/10/10/obamacare-questions_n_4060345.html)
Obamacare:Worst Law Passed in Four Decades Must Be Stopped, Says Stockman (http://finance.yahoo.com/blogs/daily-ticker/obamacare-worst-law-passed-four-decades-must-stopped-121701392.html?vp=1)
GOPSenators Rail Against Obamacare Before Obama Meeting (http://swampland.time.com/2013/10/11/gop-senators-rail-against-obamacare-before-obama-meeting/)
TheCase Against Obamacare: Health Care Policy Series for the 112th Congress (http://www.heritage.org/research/projects/the-case-against-obamacare)

This very limited list of Obamacare haters does not include themost significant demographic of all.

Can you imagine that, during this relentless economic downturnand jobless faux recovery, the average citizen is forced to pay for Obamacareeven though he or she may be so destitute they cannot fund it out of pocket.Under threat of IRS penalty, these same folks then suffer the indignity ofhaving to pay a fine when they cannot even buy enough food to eat or gas up thecar!

Truly, tha ACA has proven to be a disaster on every front …without exception!

Here are some other sentiments expressed through the headlinesof the USmainstream media which tell an even worse story, if that’s possible.

ConsumerReports to Readers: Avoid Obamacare (http://www.newsmax.com/Newsfront/consumer-reports-obamacare-stay-away/2013/10/21/id/532211)
ObamacareWill Increase Health Spending By $7,450 For A Typical Family of Four [Updated]– Forbes (http://www.forbes.com/sites/theapothecary/2013/09/23/its-official-obamacare-will-increase-health-spending-by-7450-for-a-typical-family-of-four/)
ObamacareIs Another Private Sector Rip-Off Of Americans (http://www.globalresearch.ca/obamacare-is-another-private-sector-rip-off-of-americans/5352559)
Obama under fire as Americans lose prior health plans (http://news.yahoo.com/obama-under-fire-americans-lose-prior-health-plans-004302912--sector.html)
Report:Obama administration knew millions would be forced to change insurance (http://news.yahoo.com/obama-administration-knew-millions-wouldn-t-be-able-to-keep-insurance--report-222249311.html)
Democrataide does about-face on Obamacare (http://www.wnd.com/2013/10/democrat-aide-does-about-face-on-obamacare/)
SebeliusThrust Into Firestorm on Exchanges (http://www.nytimes.com/2013/10/23/us/politics/sebelius-thrust-into-firestorm-on-exchanges.html?_r=1&)
WolfBlitzer Sides With GOP: Delay Obamacare For A Year (http://www.huffingtonpost.com/2013/10/09/wolf-blitzer-obamacare-delay_n_4072885.html)
Obamablames ‘bad apple’ insurers for canceled coverage (http://news.yahoo.com/obama-blames-bad-apple-insurers-canceled-coverage-003156540--sector.html)

But perhaps its greatest weaknesses are found in its implementation.
Here are the headlines coming in from around the country for thepast month or so. They come from both blue states and red states. They appearsin both liberal newspapers as well as conservative publications. One reallywonders how the ACA was allowed to get this point of shockingly incompetentimplementation? To describe it as an ongoing train wreck would be a grossunderstatement, but we must call a train wreck a train wreck”.

AnotherDemocrat Calls ObamaCare Implementation a “Real Disaster” (http://townhall.com/tipsheet/katiepavlich/2013/07/15/another-democrat-calls-obamacare-a-disaster-n1640800)
U.S. Obamacare data hub ‘experiencing an outage’,Connecticut says (http://news.yahoo.com/connecticut-says-u-obamacare-data-hub-experiencing-outage-011710200--business.html)
ObamacareWebsite Failure Threatens Health Coverage For Millions Of Americans (http://www.huffingtonpost.com/2013/10/18/obamacare-train-wreck_n_4118041.html)
Flawsin Obamacare, online exchange meltdown are disasters of Obama’s own making (http://www.bostonglobe.com/opinion/columns/2013/10/13/flaws-obamacare-online-exchange-meltdown-are-disasters-obama-own-making/WmvQD9AEKjqw4c4eCCQcVJ/story.html)
Obamacare’sWebsite Is Crashing Because It Doesn’t Want You To Know How Costly Its PlansAre (http://www.forbes.com/sites/theapothecary/2013/10/14/obamacares-website-is-crashing-because-it-doesnt-want-you-to-know-health-plans-true-costs/)

When so many headlines graphically depict so much that is wrongwith the catastrophic ‘Affordable’ CareAct, we wonder when those who have the power to remedy thissituation will step up to do so? There is no question that lacking the resolveto reverse the current Obamacarecourse will lead to every manner of disaster that is portrayed in the MUST SEE video shown at thefollowing link. It’s also quite entertaining!

8Reasons ObamaCare is an Epic Disaster (http://www.ijreview.com/2013/07/63885-7-reasons-obamacare-is-an-epic-disaster/)

State of the Nation 2013
October 31, 2013
admin@stateofthenation2012.com

Author’s Note:
There must besomething very deep and profound behind Obamacare that is completely hiddenfrom view, yes?
Obamacare: The Hidden Agenda (http://stateofthenation2012.com/?p=383)

References:
Obama Flaunts The Most FlawedLegislation In US History (http://stateofthenation2012.com/?p=214)
©2013 State of the Nation 2013
Permission is granted to post this essay as long as it is linked back to thefollowing url:
http://stateofthenation2012.com/?p=2294 (http://stateofthenation2012.com/?p=2294)

Hypertiger

1st November 2013, 08:11 AM

EE_

1st November 2013, 08:27 AM

Guess what?

If you were all not dumbed down...You would never have fallen for the affordable Healthcare act.

Because it's impossible to change an old system into a new system without collapse of the old one.

http://hypertiger.blogspot.ca/2013/10/led-to-logic-gates-of-slaughter-in.html

I'm all for O-care, but not because it's good for people that need insurance...it's because it brings us one step closer to revolt. I just wonder if it's too late? The sky is filling with drones and the militarized gov police are being armed like no war has ever seen.

As far as your website...replies to it being less then favorable would be an understatemant. People will never follow you if you don't learn how to talk with people instead of over them.

Hypertiger

1st November 2013, 08:53 AM

http://www.youtube.com/watch?v=Hd-iM9Wmdgo

If someone in Canada said something like that...They would be finished politically...But in the USA...the is a line up to eat her out...The USA...is over.

I can not believe bag of vomit like that is electable...

Do you not get it yet...Inside the USA bubble is another world where brain dead life flourishes.

Really...your elected monkeys are all mentally retarded filth.

I have been watching the USA for my entire life...real close since America went online...and from the US Population I have not even seen the quantum of resistance.

Its been full steam ahead mindlessly to this point.

Why?

Because you all are socially engineered to be followers.

without a leader...you all are toast.

any leader that does show up...Is a trained to lead puppet.

Like Obama...and it is a simple operation to lead leaders off cliffs with their followers in behind.

it's child play...Presidents of the USA are nothing more than NWO shoe shine boys...sweet talking pretty boys to worship.

Other that being able to inject bullets into people...Obama do not have any more power to accomplish anything...then any other person in the world.

But after decades of social engineering to brainwash the population of the USA and world into thinking Presidents have magical powers to break LAW of the Universe and manipulate space and time...you all look up to presidents...as the leaders of the free world.

I never saw any so called leaders of the free world leading anything...cheerleaders in the rear with the gear.

It would be like me being honest for decades...until I decide to commit a horrible crime...and because my reputation is so air tight after...I can lie my ass off and tell the tallest tales ever told.

and all my chump followers will commit suicide fighting to defend me.

Horn

1st November 2013, 09:02 AM

As if Canada doesn't blindly follow its lead just about everywhere.

Silly kitty.

mamboni

1st November 2013, 09:06 AM

Hypertiger

1st November 2013, 09:07 AM

revolt will consist of your infrared heat signature going cold after you get aced by a kid trained up on first person shooter video games...or you will be obliterated in air strikes...or just crop dusted with Spanish flu.

They want you to revolt...They are slowly cranking up the heat...until you all start breaking http://educate-yourself.org/nwo/nwotavistockbestkeptsecret.shtml.

There will be chaos...and all the 10's of millions of baby seal liberals that have been socially engineered into panty wetting emotional basket cases...will cry out for order from chaos.

The top will be supplied with the reason they are looking for to supply the demand of the poor unfortunate baby seals...and it will not be pretty like now...all stage managed...It will be a gloves off free fire total annihilation scenario.

They are manipulating the pawns into position now.

The ignorant fools that can not wait to go down in history...Will be the first of the corpses that builds the mountain of them in the lake of blood.

The top need you all to kill each other off...They can't...they do not work for a living...you are their labor force.

"I can hire one half of the working class to kill the other half."--Jay Gould, robber baron (Absolute capitalist), 19th Century

"Don't be deceived when they tell you things are better now. Even if there's no poverty to be seen because the poverty's been hidden. Even if you ever got more wages and could afford to buy more of these new and useless goods which industries foist on you and even if it seems to you that you never had so much, that is only the slogan of those who still have much more than you. Don't be taken in when they paternally pat you on the shoulder and say that there's no inequality worth speaking of and no more reason to fight because if you believe them they will be completely in charge in their marble homes and granite banks from which they rob the people of the world under the pretence of bringing them culture. Watch out, for as soon as it pleases them they'll send you out to protect their gold in wars whose weapons, rapidly developed by servile scientists, will become more and more deadly until they can with a flick of the finger tear a million of you to pieces."--Jean Paul Marat, 18th Century French Visionary

http://www.youtube.com/watch?v=jkCEOSgLRt4

7th trump

1st November 2013, 09:23 AM

Hypertiger

1st November 2013, 11:40 AM

I was not born in the USA...So I do not have the benefit of knowing what it is like embracing the delusion of independence from London you think you have but don't.

When the USA caves...Canada will implode too.

It will all blow up like open pit coal mining...when we get to the maximum potential point.

When you invest into bonds...you buy them...and when the demand for bonds is high...the prices of the bonds are bid up...and the yields of the bonds drop.

Yields have been dropping for 32 years...yields have been imploding...which caused the credit supply to explode.

and then all you do is feed the explosion into the implosion.

and you drive rates down to zero.

or maximum potential.

At the maximum potential point.

buying bonds produces...zero yield.

So now you have exploding rates...and imploding credit.

the USA began hyperinflating in 1946.

but it was slow...it took decades to reach the point where it hyperinflates.

and 1981...was the top...and the USA collapsed when their credit system imploded when the hyperinflation ended.

but It did not due to accounting tricks...but...all that was done...was postponement of the inevitable for as long as possible.

Once we get to the maximum potential point.

The credit system of the USA and world.

Is going to want to implode like an atomic bomb does.

No economists in the world seem to be pointing this out....It's fucking punch in the face obvious at this point.

Because no university in the world produces economists that have a clue.

Every economist in the world is pure useless garbage...child rapists contribute more to the economy than economists.

Carful with Paul...the picture behind him is the hidden hand...

from 1946 to 1981...the USA inflated...and all you had to do from 1946 to 1981...is sell bonds...just keep shorting bonds like mad...yawn.

Then from 1981 to now into the liquidity trap....You just needed to buy bonds like mad...Its childishly simple to see.

The FED is not leading...The FED has been following a trend...and claiming to be leading you all.

The collapse of the USA the past 32 years...Has just been a following of a trend...with the FED lying about it the whole time.

But there is no one in the world to really tell about it now...its over...nothing can be done...unless you want to figure out what I know...and use the information somehow.

The USA is the key...and its only the population in the USA that can do anything about the USA...all outside the USA...have no say...pester people in the USA...but basically everyone has to suck US cock for a US Dollar the way you like perfectly...

You all truly are clueless in the USA of what assholes you have been the last few decades.

If you are wiped off the face I the Earth...That is kinda what you deserve for being so ignorant for your entire ass dragging an knuckle dragging lives.

And if I get wiped out by the splash damage from that...I was born too close to ground zero obviously...oh well...I can not stop you assholes of the Universe.

Have fun fighting to remain asleep to enjoy the dream you are awake.

Hypertiger

1st November 2013, 11:57 AM

It's call free market economics...where when you are not yielding anything any more...Its pointless to keep supporting the life, liberty, and pursuit of happiness...of worthless pieces of shit.

You have been investing the explosion of credit from the implosion of bond yields back into buying bonds and this has been powering the implosion of yields the past 32 years to the zero point.

1 smart university educated net consumer of yield living off the yield from 1 dumb uneducated net producer of yield

14%

2 smart consumers of yield living off one dumb producer of yield

7%

4 smart living off 1

3.5%

8 living off off 1

1.75%

16 living off 1

0.875%

once maximum potential is reached...The USA will implode to oblivion.

The FED is not dropping rates...You all have been fooled into investing into your own annihilation for the past 32 years.

Hypertiger

1st November 2013, 12:39 PM

Taking more than you give to sustain existence is the same as chopping down trees faster than they regrow to sustain existence.

When the trees run out...So does the power to the ignorance is bliss religion.

In 1944...The USA took over from the UK as the demand of the world for "stuff"...and the supply of money...British pounds of stirling silver...which over the past 400 years has turned into...a IOU.

a pound of stirling silver...400 years ago...is now equal to...1.5 US dollars...or 1 of these....http://en.wikipedia.org/wiki/One_pound_(British_coin) is worth 1.5 of these http://en.wikipedia.org/wiki/Dollar_coin_(United_States)

Bretton woods...Was a city of London policy.

1944 was the start...and with yield dropping lower and lower...that means the trees are running out faster and faster.

at the maximum potential point...the change will be instantaneous.

Think of 1944 is where you roll the dice....and at the end of the line is where they stop.

But due to the nature of the Universe...The result is known.

implosion of yields to the zero point with the explosion of credit.

will pole shift...from positive...to negative or the reverse.

Yields will hyperinflate and credit will hyperdeflate.

Its been trying to do this all along.

but you all are figting to survive.

at the end of the line...you will lose the fight.

Because you are fighting GOD.

At that point...your demand from GOD for power to sustain what you currently are demanding to be sustained...is rejected.

Satan takes more power than Satan gives to sustain existence.

from GOD

and when Satan requires the power of GOD to sustain the war against GOD to defeat GOD and obtain absolute power over all and everything.

GOD refuses to supply the power....

Satan demands yes...and GOD supplies no

GOD only supplies what you need...not what you want.

start chopping down trees faster than they regrow...and when you chop the final tree down in the war against the trees...GOD supplies you with what you need...victory.

But if you were sustaining your civilization by taking more power than you give...and you want to not collapse to oblivion.

Then too bad...defeat...thanks for showing up to the Universe.

In order for Satan to win...requires Satan to obtain greater than infinite power.

no such power exists.

It is why Yes and No exist.

Logic rules reason.

Truth is unreasonable...lies are reasonable.

Truth is powered by GOD and GOD is infinite and indestructible.

All that has ever happened for all eternity and all that is ever going to happen for all eternity happens in an instant...come into contact with that...is the kiss of the apocalypse of bliss.

that is logic...

Truth is ultimately unreasonable.

While lies are ultimately reasonable.

Yes...if you were dying an I found you and you asked me if you were going to die...I would lie and say no...even if you looked doomed....since the power of positive thinking...when used for shot periods of time...works...try to make it eternal...and you eventually run out of power...especially when you take more power than you give to sustain it.

at that point...you all are not going to die...but all your cherished delusions being powered by what has powered them the past 32 years.

Those will implode...

Like nuclear bombs going off in peoples heads.

They have to have something big planned as a covering event.

Or they are timing it with something they know is going to happen at some point and use that as cover.

The whole world is going to be imploding to oblivion along with the USA...The world was attached to this Bretton woods policy.

ShortJohnSilver

1st November 2013, 12:40 PM

I agree in a way with Hypertiger ... I have noticed, even on wildly different blogs, the misdirections and the hints of "who is to blame? they need to die with fire". In 1 respect, I think that anti-Jewish/Zionist sentiment is a tool of the elite, a mis-direction.

The elite will divide the USA, then have them kill each other... and make money selling the fighters the beans, bullets, gun, ammo, and healthcare needed. Once the population is reduced and a reset commences, they keep all that they stole; and everyone else has to start from zero.

mamboni

1st November 2013, 12:51 PM

Hypertiger

1st November 2013, 01:05 PM

They are not the system keeper togethers...That is what you all are employed to do.

When you all yield zero.

You transform from fundable assets...Into an unfundable liabilities...and are liquidated one way or the other.

Or a miracle is going to happen.

The clock is not stopping...we all are going to this point...

following the path of least resistance to the logical conclusion of the reasonable assumption all are following...the cherished delusion...the lie all believe is Truth.

Going with the flow...like a lighting bolt...from the beginning to the end in an arc.

Hypertiger

1st November 2013, 01:23 PM

Zion will fall...Like everything else.

Hypertiger

1st November 2013, 01:27 PM

"President Obama issued an executive order Friday directing a government-wide effort to boost preparation in states and local communities for the impact of global warming."

global warming is inflation.

global cooling is deflation.

http://blogs.telegraph.co.uk/news/jamesdelingpole/100055500/global-cooling-and-the-new-world-order/

mamboni

1st November 2013, 01:40 PM

I feel something or something sucking from my bottom? Am I a hairless monkey if my chest is hairy?

Hypertiger

1st November 2013, 01:56 PM

In fiber optics there is a carrier light wave...and it is composed of smaller light waves that are the ones an zeros...101 Terabits/second...101 Trillion bits per second

Absolute or irresponsible or chaotic capitalism is taking more power than you give to sustain existence.

It is the same as chopping down trees faster than they regrow to sustain existence.

It is like Direct Current.

In a battery....you combine matter in a way that it fights to reach the zero point...This fight to the finish is used to power a light...until the fight ends...then the light goes out.

http://www.youtube.com/watch?v=CH0NyRCpAZ4 this is a start.

Responsible capitalism is sharing power equally

It is the same as chopping down trees as fast as or slower they regrow to sustain existence.

It is like Alternating Current.

The principal.

Taking more power than you give leads to collapse every time

Sharing power equally does not.

Ignorance...DC...Edison

Knowledge...AC...Tesla.

Now you know why Tesla was eliminated from the equation?

What you all claim is socialism.

Takes more power than it gives from one and gives to another.

Socialism is sharing power equally.

Taking more power from one person and giving to another...is Antisocialism.

Why do you think the powers that be have set up all these socialist countries that are failures?

They want you all to be antisocialists.

Ignorant, Divided, and conquered.

powerless, powerless, and powerless.

ximmy

1st November 2013, 02:27 PM

But in the USA...the is a line up to eat her out...

huh...

http://www.fishful-thinking.net/wp-content/uploads/2012/02/woman-surprised3.jpg

Hypertiger

1st November 2013, 02:37 PM

There is a super power people are being born with...they are trying to get rid of...Now when you are a child...you use power ignorantly...like a little wild animal...That has to be domesticated.

Or tortured by scientists by performing experiments on you...to make you normal.

http://en.wikipedia.org/wiki/Hypervigilance

http://en.wikipedia.org/wiki/Oppositional_defiant_disorder

The masterminds that designed the social engineering...Are trying to transform you all into helpless victims.

Or obtain perfect mind control.

You can not mind control GOD is the problem.

But of course...GOD does not exist...so there must be some other problem...

Unfortunately my body is basically just as fragile as yours....so when the liberals fail to mind control me...They are doomed.

Since in order to get a conservative to deal with me...they require me do something that gives the conservatives they mind control to do their dirty work so they can stay clean...a reason to deal with me.

they need me to flip out.

That is what Liberals do...trying to do...get you to flip out...and then they call 911...and say...save me from the psycho.

now the police...they are trained to only be mind controllable by their superiors...If you try to mind control them or resist them...They blow you away.

That is why the police are so brutal....and why Liberals test their guard dogs them to see how smart they are http://abcnews.go.com/US/court-oks-barring-high-iqs-cops/story?id=95836

To spread terror in the population.

Hypertiger

1st November 2013, 02:44 PM

Yep vulgar...and profane.

“Be cautious in your words and carriage, that the most penetrating stranger shall not be able to discover or find out what is not proper intimated; and sometimes you shall divert a discourse, and manage it prudently for the honour of the worshipful (banking) fraternity.”

The upper classes are not vulgar and profane.

They are sweet talkers...and that is why all you vulgar and profane people are slaves for them

Horn

1st November 2013, 06:39 PM

I feel something or something sucking from my bottom?

Standup before you flush, mamboni.

Don't want to get caught on your heels, if a bailout is needed.

Am I a hairless monkey if my chest is hairy?

Someone needs to convert this to 432hz.

http://www.youtube.com/watch?v=cH7I6ibA-SM

Hypertiger

1st November 2013, 10:59 PM

I have seen this before...You people demand GOD to demonstrate power.

Satan supplies you with demonstrations...When you demand and you all worship Satan...Satan gives you what you want to obtain what Satan wants...victory.

Good things come to those who wait...

For what they need....and do not demand GOD to supply what they want when they want it.

in an absolute capitalist hierarchy...The top supplies the bottom with what they want...to obtain what the top wants.

Power....glorious power...

All in the system supply all their real power of GOD to Satan...and Satan uses this power to create the servant all in the hierarchy slave for.

Money...Fake power you all think is real power.

ignorance of Truth is the root of all evil.

GOD is Truth and Truth is GOD...real power.

money is fake power or a lie you believe is Truth...something you use to manipulate lower forms of life that have been trained to worship it.

Without all your technology...or fake power...the USA is one of the weakest nation on Earth.

Greatest strength and greatest weakness.

I'm nothing...

Greatest strength and greatest weakness.

Keep your friends close...Keep your enemies closer.

The greatest enemy you have and will ever face...Can be found by looking into a mirror.

But vampires can not see their reflection...They just think positive an ignore negative.

And they say you should not wake up sleep walkers.

Horn

2nd November 2013, 12:31 AM

Pass the mushrooms, HT.

http://www.youtube.com/watch?v=udWMGiv-MZs

mamboni

4th November 2013, 09:12 AM

Another victim of the liar-in-chief's nil care legislation:

You Also Can't Keep Your Doctor

I had great cancer doctors and health insurance. My plan was cancelled. Now I worry how long I'll live

By Edie Littlefield Sundby

Nov. 3, 2013 6:37 p.m. ET

Everyone now is clamoring about Affordable Care Act (http://online.wsj.com/public/page/health-law-rollout.html?lc=int_mb_1001) winners and losers. I am one of the losers.
My grievance is not political; all my energies are directed to enjoying life and staying alive, and I have no time for politics. For almost seven years I have fought and survived stage-4 gallbladder cancer, with a five-year survival rate of less than 2% after diagnosis. I am a determined fighter and extremely lucky. But this luck may have just run out: My affordable, lifesaving medical insurance policy has been canceled effective Dec. 31.

My choice is to get coverage through the government health exchange and lose access to my cancer doctors, or pay much more for insurance outside the exchange (the quotes average 40% to 50% more) for the privilege of starting over with an unfamiliar insurance company and impaired benefits.
Enlarge Image (http://javascript<strong></strong>://)

http://s.wsj.net/public/resources/images/BN-AG171_sundby_D_20131103110802.jpghttp://s.wsj.net/public/resources/images/BN-AG171_sundby_G_20131103110802.jpg
Bloomberg News

Countless hours searching for non-exchange plans have uncovered nothing that compares well with my existing coverage. But the greatest source of frustration is Covered California, the state's Affordable Care Act (http://online.wsj.com/public/page/health-law-rollout.html?lc=int_mb_1001) health-insurance exchange and, by some reports, one of the best such exchanges in the country. After four weeks of researching plans on the website, talking directly to government exchange counselors, insurance companies and medical providers, my insurance broker and I are as confused as ever. Time is running out and we still don't have a clue how to best proceed.

Two things have been essential in my fight to survive stage-4 cancer. The first are doctors and health teams in California and Texas: at the medical center of the University of California, San Diego, and its Moores Cancer Center; Stanford University's Cancer Institute; and the M.D. Anderson Cancer Center in Houston.

The second element essential to my fight is a United Healthcare PPO (preferred provider organization) health-insurance policy.

Since March 2007 United Healthcare has paid $1.2 million to help keep me alive, and it has never once questioned any treatment or procedure recommended by my medical team. The company pays a fair price to the doctors and hospitals, on time, and is responsive to the emergency treatment requirements of late-stage cancer. Its caring people in the claims office have been readily available to talk to me and my providers.

But in January, United Healthcare sent me a letter announcing that they were pulling out of the individual California market. The company suggested I look to Covered California starting in October.
You would think it would be simple to find a health-exchange plan that allows me, living in San Diego, to continue to see my primary oncologist at Stanford University and my primary care doctors at the University of California, San Diego. Not so. UCSD has agreed to accept only one Covered California plan—a very restrictive Anthem EPO Plan. EPO stands for exclusive provider organization, which means the plan has a small network of doctors and facilities and no out-of-network coverage (as in a preferred-provider organization plan) except for emergencies. Stanford accepts an Anthem PPO plan but it is not available for purchase in San Diego (only Anthem HMO and EPO plans are available in San Diego).

So if I go with a health-exchange plan, I must choose between Stanford and UCSD. Stanford has kept me alive—but UCSD has provided emergency and local treatment support during wretched periods of this disease, and it is where my primary-care doctors are.

Before the Affordable Care Act, health-insurance policies could not be sold across state lines; now policies sold on the Affordable Care Act exchanges may not be offered across county lines.

What happened to the president's promise, "You can keep your health plan"? Or to the promise that "You can keep your doctor"? Thanks to the law, I have been forced to give up a world-class health plan. The exchange would force me to give up a world-class physician.

For a cancer patient, medical coverage is a matter of life and death. Take away people's ability to control their medical-coverage choices and they may die. I guess that's a highly effective way to control medical costs. Perhaps that's the point.

Ms. Sundby lives in California.

Ares

4th November 2013, 11:52 AM

http://3.bp.blogspot.com/-QD7nBVk_AtY/UF3gAzYUV7I/AAAAAAAABm0/75STgFNlIrA/s400/198764_468634153169499_260443577_n.jpg

Hypertiger

4th November 2013, 01:10 PM

Paul Craig Roberts is part of the strangegove routine.

you are all suckers for crumbs he has for free that is marking up an selling at a huge profit....and insider that is dumping the stocks that are getting worthless...but worth something to you.

The affordable care act...legislation like this takes decades to implement at high cost over time without blowing peoples minds out.

So just the title of it is lie you already bought...you believe it is somehow legitmate.

it would be like writing an operating system program...by popular vote.

and then installing it and it blows up and evenyone is perplexed as to why it did not work...All law that the makers of the laws of the Universe work.

people have no power to make or break Law

all that people have the power to do is make and break rules and call rules LAW

but if the rule attempts to break LAW

LAW will break the rule.

The program of affordable health care was designed to blow up from square one.

or what? you all are so weak minded that you are still playing oopsie daisy?

Like laying on the ground gasping for air...finished...smoke coming out of your ears.

mamboni

4th November 2013, 01:48 PM

Rubberchicken

4th November 2013, 06:45 PM

HT was saying he like the hairless banana? :dunno:

mamboni

8th November 2013, 01:40 PM

Poll: 78% of Uninsured Not Interested in ObamaCare

http://cdn.breitbart.com/mediaserver/Breitbart/Big-Government/2013/Obamacare/obamacare_get_covered_reuters.jpg

(http://gold-silver.us/System/Breitbart%20Send%20A%20Tip?page=%2fBig-Government%2f2013%2f11%2f08%2fpoll-78-percent-of-uninsured-not-interested-in-obamacare)

by John Nolte (http://gold-silver.us/Columnists/John-Nolte)8 Nov 2013, 11:15 AM PDT

http://cdn.breitbart.com/mediaserver/Breitbart/Columnists/Headshots-80x100/contributor-80x100-jnolte.png

A new Gallup poll (http://www.gallup.com/poll/165776/uninsured-americans-ignoring-health-exchange-sites.aspx) brings more terrible news for President Obama and his signature health plan, showing that only 22% of uninsured Americans intend to buy insurance through the ObamaCare exchanges.

One of the major selling points for using ObamaCare to disrupt our health care system (that polls showed up to 80% of Americans were satisfied with) was to insure the uninsured. But according to this poll, only a very small minority of that small minority is even interested in obtaining insurance.

Even more troubling is the realization that a month ago, that number was double; a full 44% of the uninsured said they would purchase insurance though the exchanges.

Over the course of a month, however, the reality of ObamaCare scared off half of that 44%. The high cost of premiums, the high deductibles customers have to pay regardless of any tax subsidy, and the unforgivable bungling of the rollout only discouraged those who we blew up a perfectly good health care system to help.

The worse news is that you can bet that the 22% who do intend to sign up are made up of the oldest and sickest among the uninsured. Meanwhile, the 78% who are uninterested in being insured are likely the youngest and healthiest.

This means a sicker and older pool of enrollees, which means higher premiums for a couple hundred million Americans who were perfectly satisfied with what they had--that is, before President Obama, Democrats, and the media decided what was best for us.

As of now, the poll shows only 18% of the uninsured have even tried to visit a marketplace website.

When you look at the nearly 4 million Americans who have already had their insurance cancelled, the low enrollment numbers we have seen so far, and combine that with the website problems, sticker shock, and overall disgust, it is not out inconceivable to speculate that by this time next year, ObamaCare will have caused the number of uninsured in America to increase.

http://www.breitbart.com/Big-Government/2013/11/08/poll-78-percent-of-uninsured-not-interested-in-obamacare

Cebu_4_2

8th November 2013, 02:34 PM

So if you dont use a computer and dont watch TV and dont file a tax return you wouldn't have even heard of this plan.

How do they punish you?

I read they will put a lean against your property so they get the back pay when you sell it or transfer it to your children.

Serpo

8th November 2013, 02:40 PM

Hypertiger

8th November 2013, 02:57 PM

14 pages of speculation...I can see more interesting speculations staring into the snow of the chaos of a old TV

http://www.youtube.com/watch?v=X9aENGodu5A

The affordable care act is a fucking lie every moron on earth believes is truth.

except me...I know its a lie.

I'm the president of dark.

not the president of light.

I do not sign off on shit that I do not understand fully...unlike you all.

I do not remember signing any line to get here.

but man o man...once here...learn to sign...and commit legal crime.

don't worry about doing the time...

Its easy living off brain dead slime.

that is what the vampires at the political parties talk about...the yield from brain dead slime.

mamboni

8th November 2013, 03:01 PM

Must...increase....thorazine....dosage....must.... increase.....thorazine....dosage....

Hypertiger

8th November 2013, 03:02 PM

Obama is the spoon full of sugar.

http://www.youtube.com/watch?v=i5IW9wK_HNg

Hypertiger

8th November 2013, 03:06 PM

I'm certainly do not recall ever being inferior to a US president...I just thought they were people just like me...that decide to do what they do because they were free to...and non retards are installed.

and now I have the wicked witches monkeys trying to school me on who is the ruler of who.

keep it up and you will get what you all wish...your last wish without another left to undo it.

Hypertiger

8th November 2013, 03:08 PM

http://www.youtube.com/watch?v=Cy2_oyL4O0g

Give me more because it's starting to tickle.

frosty the Snowden was a happy jolly soul...with a cornhole pipe and and smashed in from rough sex nose...an two mixed up eyes made out of blow.

my hero save me frosty.

push the sell button or not that is the question.

do it or don't...When is a good time to flush the USA down the toilet.

I'll know...When all the brain dead slime trying to win run out of time to come up with more yield to pay the speeding to the bright glorious future fine...then its short to oblivion time.

Hypertiger

8th November 2013, 03:23 PM

wee its fun being as fucked in the head as one of you all.

or I can shut off the insanity and work in the background to keep the user interface your minds are being vaporised by on auto pilot up an running...you all are graduates of epic failblog school

Hypertiger

8th November 2013, 03:27 PM

Lost in a roman...wilderness of pain...and all the children are insane.

http://en.wikipedia.org/wiki/Children_of_the_Corn

Hypertiger

8th November 2013, 03:30 PM

http://www.thefreedictionary.com/technocrat

http://en.wikipedia.org/wiki/Technocracy

http://www.ft.com/intl/cms/s/0/3b2d9f32-ea3d-11e2-b2f4-00144feabdc0.html#axzz2k60gvXbX

http://www.huffingtonpost.ca/andrew-cooper/mark-carney-bank-of-england_b_2197223.html

Hypertiger

8th November 2013, 03:34 PM

Window Pain

Traveling at the speed of light through
Glass corridors of information
Then thrusting forth invisible waves towards infinity's Culmination
Signals the windows have reached their intended Destination

The Billions who've been fed for years by the enlightened few
Have succumbed to the ethereal coercion
Which led to the gates of slaughter in pursuit of the latest version
All the others are kept in line by codependent confusion
While the unbelievers risk being left out of the synthetic Revolution.

Control of the media, banks, payments, entertainment,
Wireless data, and the super highway
Is the next justification for monetary domination
A computer in every house and on every desk
Is just one king's new form of taxation
We've thrown off our chains of oppression
And exchange them for the puppet master's strings of persuasion
One mans dream for humanity
Or a megalomaniac's salvation?

I wrote that at the beginning of this.

http://www.youtube.com/watch?v=P0AJM6HMYjM

Hypertiger

8th November 2013, 03:36 PM

are you caught up yet to the brave new world?

Just get someone at the mothership to download 20 years into your head...then maybe you will see the light of the future in the past.

mine not yours...because your last 20 years was spent as toast thinking it was bread.

It must be the hidden hand sign behind the political economy front.

where we figure out how much to raise the taxes on ignorance.

and see what price all you fools will pay to achieve bliss.

You like when I read your masters mind.

Hypertiger

8th November 2013, 03:48 PM

Too theoretical or too conspiratorial?

Horn

8th November 2013, 03:51 PM

Too theoretical or too conspiratorial?

First you need to redefine yourself as the entertainer you are,

before I can criticize further.

http://www.youtube.com/watch?v=78vCdX1DNIY

Hypertiger

8th November 2013, 03:57 PM

then you are worshiping ignorance for free because of me...I'm the chain of command to summon a demon on demand.

joking an playing is what polar bears do...until you get close...then its kill one with you bear hands.

or with something bigger like a bear killing sword to end play time...what do I have to do? chop up a polar bear for you?

or just stay away because you are just a baby polar bear.

idiot.

Hypertiger

8th November 2013, 04:00 PM

Obama playing puppet button pusher...is the entertainer.

Horn

8th November 2013, 04:06 PM

http://4.bp.blogspot.com/_TxzivLuk3D4/S9uYKlLMyII/AAAAAAAAAxA/ejnrtTnH74w/s1600/photo-738142.jpg

Hypertiger

8th November 2013, 04:14 PM

Yes all you have to do is show me how to increase the resolution of your logical conclusion to send the revolution to the Texas constitution.

Do not blame me when the party you are having down in Texas is over...all your leaders are puppets too...they know less about the Internet than you.

Hypertiger

8th November 2013, 04:17 PM

http://en.wikipedia.org/wiki/Kill_switch

http://en.wikipedia.org/wiki/Magnus,_Robot_Fighter

The clock is ticking faster and faster.

the equations at the core of the system you do not comprehend are working their black magic in the background to produce all you see in the foreground.

A hole in the ground you be shorted into and the dirt will be the cover.

Hypertiger

8th November 2013, 04:18 PM

Good buy ignorance is bliss religion.

RIP.

lady liberty is ruled by mother nature as you all will soon be forced to see...the suspense must be killing you all...or not because you are baby seals in the headlights of destiny and I get to see you all scream.

that is what the writers of history...the winners...leave out...far too negative for human drone consumption.

Horn

8th November 2013, 04:20 PM

http://www.youtube.com/watch?v=2qVOruN1O14

Hypertiger

8th November 2013, 04:27 PM

the ignorant ruled by liars...

welcome to goodbye

Tanks for showing up on planet earth.

Hypertiger

8th November 2013, 04:27 PM

http://www.youtube.com/watch?v=ntLsElbW9Xo

Horn

8th November 2013, 04:29 PM

the ignorant ruled by liars...

welcome to goodbye

Tanks for showing up on planet earth.

You're doing much better than when you started, HT.

http://theperspectivefactory.files.wordpress.com/2012/04/gomezaddams.jpg

Cebu_4_2

8th November 2013, 04:30 PM

Prior to his melt down.
Must have not given him any money for real tattoos

http://youtu.be/bwDpAfFzcRQ

Hypertiger

8th November 2013, 04:30 PM

You were all fooled again before you thought you won't get fooled again.

There is never a lasting victory over lies while the war against Truth has no exit strategy and always ends in defeat.

checkmate in the real game of chess.

Hypertiger

8th November 2013, 04:33 PM

The USA melt down is powering my melt up you meanie.

the last bit of your brains sucked out of your puny mind...to kick in the after burners to blow the smile off you face and your hair back...go smoke some more of uncle sugar's crack.

you are fund to pre smack.

before the smack down by GOD to separate the even from the odd.

Hypertiger

8th November 2013, 04:37 PM

You mad bro after a round in the dojo with Gi stubbed toe looking for weapons of toto...somewhere over the rainbow?

Horn

8th November 2013, 04:38 PM

Your poetry is rather explicative, Ms. HT.

http://www.youtube.com/watch?v=k9ok0SKmvdY

And so I say to you
The silk handkerchief was
Embroidered in China or Japan
Behind the steel curtain
And no one can cross the borderline
without proper credentials.
This is to say that we are all
Sensate and occasionally sad
And if every partner in crime
Were to incorporate promises
In his program the dance
Might end and all our friends
would follow.
Who are our friends?
Are they sullen and slow?
Do they have great desire?
Or are they one of the multitude who
Walk doubting their impossible regret.
Certainly things happen and reoccur
in continuous promise.
All of us have found a safe niche
Where we can store up riches and talk to our fellows
On the same premise of disaster
But this will not do.
No, this will never do.
These are continents and shores which
Beseech our understanding.
Seldom have we been so slow.
Seldom have we been so far.
My only wish is to see
Far Arden again.
The truth is on his chest
The cellular excitement has
Totally inspired our magic Veteran.
And now for an old trip.
I'm tired of thinking.
I want the old forms to reassert their sexual cool.
My mind is just - you know.
And this morning before I sign off
I would like to tell you about Texas Radio & the Big Beat.
It moves into the perimeter of
Your sacred sincere and dedicated smile
Like a calm surviver of the psychic war.
He was no general for he was not old.
He was no private for he could not be sold.
He was only a man and his
Dedication extended to the last degree.
Poor pretentious soldier, come home.

Cebu_4_2

8th November 2013, 04:38 PM

156 year old blues player..

http://youtu.be/lU5hTbgqPYs

http://youtu.be/lU5hTbgqPYs

Hypertiger

8th November 2013, 04:43 PM

Better make hard copies of your cherished delusions and get them into the bunker to protect them from the logical conclusions you short circuiting clocks

better hurry up before the tin mans heart stops.

I did not work my whole life to sustain song and dance acts for losers of the Universe.

In here is play...In the real world is where I really make you all pay.

I think having the population beat you to death with bars of soap in your sleep...will be neat...like the rapture.

Hypertiger

8th November 2013, 04:49 PM

post some more of your mindless slime drivel trying to solve the riddle of steal...as I suck all your life away feasting on yield.

Hypertiger

8th November 2013, 04:54 PM

Ill save you from me the rich and you the poor feeding the from the last drops of your life...I will raise taxes on me...and give you back what I stole from you to begin with and if you do not like my magic trick.

You dumb hick...Ill give you a kick...and watch you dance like a prick...then beat you to death with a stick so quick...you will fail to get one lick on my boots so I can avoid being annoyed when the void in your head implodes and your bowls unload.

an I laugh like a toad but all you hear is metatrons code.

you all is information superhighway road kill...people...gone...a planet totally oblivious and gonzo...

Horn

8th November 2013, 04:56 PM

There once was a woman from Nova Scotia, with hair so long she couldn't get close to ya.

http://www.youtube.com/watch?v=A-TLgF0F_n4

Hypertiger

8th November 2013, 04:59 PM

smoke coming out of your ears.

Horn

8th November 2013, 05:03 PM

http://www.youtube.com/watch?v=HNqIrDKnNE8

Hypertiger

8th November 2013, 05:04 PM

females either chase after me and I out run them...Unlike tiger woods a golfer...easy catch...

Or I a might have to beat them up if they try to kill me because they hate me as much as the ones above love me and will not get off and find another man to destroy with their hate.

Try again...to see if I have become one with the Universe enough times to figure you all out be looking deeper into your eyes then you ever see.

Hypertiger

8th November 2013, 05:08 PM

You all will keep calm until you all scream...and I cream.

the longer you all power your calm...the bigger the explosion of the bomb.

I know more about psychology than 100% uncertifable sane perfectly produced mindless slime are supposed to know...including the experts...so kill me to win...show me what good human beings you have been.

Horn

8th November 2013, 05:10 PM

http://www.youtube.com/watch?v=6lu0IzD3lw4

Hypertiger

8th November 2013, 05:14 PM

you all think this is a joke...because you smoked one to many tokes drink cokes by the fire side chats sung to you by rats you stupid dumb fucks think are cool cats.

better get the internet regulated to sustain your sleep...because I'm not the only one with an invisible gun to blow out your puny dreams to stop your mind control crimes.

you all are puddy in their hands an mine the difference between me and your masters...I don not lead you to disaster...that is how I know you are all just going with the flow to your doom in an ignorant tomb.

Hypertiger

8th November 2013, 05:16 PM

Drop to your knees until they smash and spray blood like a flood then pray your worship of ignorance will save you from the day of the dud.

Horn

8th November 2013, 05:23 PM

http://www.youtube.com/watch?v=09354zHyLRg

Hypertiger

8th November 2013, 05:26 PM

I see any jack booted thugs trying to convince me they are a real dude...I might just cut off all of your food...then you "all" will be screwed.

that is the power of the Bretton wood...that you all are chopping down faster and faster trying to escape the disaster.

Cebu_4_2

8th November 2013, 05:30 PM

that is the power of the Bretton wood...that you all are chopping down faster and faster trying to escape the disaster.

Sounds more like a boating accident.

Hypertiger

8th November 2013, 05:34 PM

Terrence was one of you space cadets.

a loser you all were hired to turn into winner to follow to nowhere in search of a clue that you know what to do when I communicate with you...sorry...I do not change American diapers full of poo

if you took too much drugs and stole and now you are a federal reserve welfare case on the dole...Its to bad for you that you got high and smoked too much pole.

I'm going for a bath to wash all you filth off of me...so mommy does not know I was playing with shit stains from the USA.

Horn

8th November 2013, 05:38 PM

that is how I know you are all just going with the flow to your doom in an ignorant tomb.

Do not fear, HT.

All in the tomb are ignorant.

Horn

8th November 2013, 05:42 PM

5630

http://www.utah-drug-possession.com/psilocybin-mushroom-possession.php#.Un2EqSd0mE8

Horn

8th November 2013, 06:03 PM

Sounds more like a boating accident.

Damn, Morticia's attractive when she gets angry.

Don't you think Cebu?

http://www.classictvbeauties.com/Morticia_and_Gomez.jpg

http://www.youtube.com/watch?v=mp8G2cIaYUw

mamboni

10th November 2013, 08:27 PM

This message came to us from Bill in Kentucky.

"Putting things in perspective: March 21st 2010 to October 1 2013 is 3 years, 6 months, 10 days. December 7, 1941 to May 8, 1945 is 3 years, 5 months, 1 day. What this means is that in the time we were attacked at Pearl Harbor to the day Germany surrendered is not enough time for this progressive federal government to build a working webpage. Mobilization of millions, building tens of thousands of tanks, planes, jeeps, subs, cruisers, destroyers, torpedoes, millions upon millions of guns, bombs, ammo, etc. Turning the tide in North Africa, Invading Italy, D-Day, Battle of the Bulge, Race to Berlin - all while we were also fighting the Japanese in the Pacific!! And in that amount of time - this administration can't build a working webpage."

http://www.foxnews.com/on-air/special-report-bret-baier/blog/2013/11/08/here-email-i-read-air-tonight

mamboni

10th November 2013, 08:31 PM

"Obama is also a fairly compulsive liar, something that highlights myriad other problems. That is, whevever he’s caught in a problematic situation (ah, those friends of his), rather than making a clean breast of it, or a good defense, he instead engages in a perfect storm of ever-spiraling affirmative defenses, with the common denominator always being that it’s everyone’s fault but Obamas.
For those who are not lawyers, let me explain what affirmative defenses are. A complaint contains allegations that the defendant committed myriad acts of wrongdoing. In response, the defendant does two things. First, he denies everything except his own name, and he’d deny that too, if he could. Next, he issues affirmative defenses, which concede the truth of the accusations, but deny that they have any legal or practical meaning.

As an example of how this plays out, imagine a complaint alleging that I smashed my car into a fence, destroying it. I’d start by saying, “No, I didn’t.” Then I’d begin the affirmative defenses: (1) “Okay, I did bring my car into contact with the fence, but I didn’t actually hurt the fence.” (2) “Okay, I hurt the fence, but I didn’t hurt it badly enough to entitle its owner to any damages.” (3) “Okay, I destroyed the fence, but it was falling down already, so it’s really the owner’s fault, so he gets no damages.” And on and on, in a reductio ad absurdum stream of admissions and excuses."

http://www.bookwormroom.com/2013/11/05/having-been-caught-engaged-in-out-and-out-fraud-obama-engages-in-a-familiar-pattern-to-cover-up-his-lies/

mamboni

12th November 2013, 08:07 AM

Blatant Obamacare Navigator Fraud and Corruption:

http://www.youtube.com/watch?feature=player_embedded&v=BUsUWFANPS8

Horn

12th November 2013, 03:43 PM

Well who would've expected or done anything less.

mamboni

13th November 2013, 07:38 AM

Troubled HealthCare.gov unlikely to work fully by end of November

By Amy Goldstein (http://gold-silver.us/amy-goldstein/2011/02/02/ABNs9AJ_page.html), Juliet Eilperin (http://gold-silver.us/juliet-eilperin/2011/03/02/ABZpz6M_page.html) and Lena H. Sun (http://gold-silver.us/lena-h-sun/2011/03/03/ABUvPGP_page.html), Published: November 12

Software problems with the federal online health insurance marketplace, especially in handling high volumes, are proving so stubborn that the system is unlikely to work fully by the end of the month as the White House has promised, according to an official with knowledge of the project.

The insurance exchange is balking when more than 20,000 to 30,000 people attempt to use it at the same time — about half its intended capacity, said the official, who spoke on the condition of anonymity to disclose internal information. And CGI Federal, the main contractor that built the site, has succeeded in repairing only about six of every 10 of the defects it has addressed so far.

Government workers and technical contractors racing to repair the Web site have concluded, the official said, that the only way for large numbers of Americans to enroll in the health-care plans soon is by using other means so that the online system isn’t overburdened.
This inside view of the halting nature of HealthCare.gov repairs is emerging as the insurance industry is working behind the scenes on contingency plans, in case the site continues to have problems. And it calls into question the repeated assurances by the White House and other top officials that the insurance exchange will work smoothly for the vast majority of Americans by Nov. 30. Speaking in Dallas a week ago, President Obama said that the “Web site is already better than it was at the beginning of October, and by the end of this month, we anticipate that it is going to be working the way it is supposed to, all right?”

The need for what the official called a “divide-and-conquer strategy” for enrollment puts more emphasis on alternative methods for buying health plans. These methods include federal call centers and insurance companies that sell policies directly to customers — paths that are hobbled for now by some of the same technical problems affecting the federal Web site.

Julie Bataille, director of communications at the Centers for Medicare and Medicaid Services (CMS), which is part of the Department of Health and Human Services, said: “We are working 24/7 to make improvements so that by the end of the month the site is working smoothly for the vast majority of users. We are making progress, including fixes to reduce error rates and get the site moving faster.

“The challenges we are addressing today,” she added, “are a snapshot of November 12th, not November 30th.”

Meanwhile, pressure intensified Tuesday on the Obama administration to address the growing complaints of Americans whose individual insurance policies are being canceled because they do not comply with new government rules for coverage. The online magazine Ozy published a video interview with former president Bill Clinton saying that Obama must “honor the commitment” he made to Americans that they could keep their insurance — even if it requires a change in the law.

Kansas Insurance Commissioner Sandy Praeger said she and her counterparts in other states have offered suggestions to the White House on how best to address the problem of canceled policies. The most obvious solution, she said, would be to allow customers to renew policies early to let them stay in effect until November 2014. But that would come with a trade-off, she said: Those people would not receive federal subsidies for which they might be eligible if they bought a plan on the exchange.

She said that she and other insurance commissioners are trying to address consumers’ desire to use the federal exchange. “Honestly,” she said, “it’s just a big mess right now. . . . I don’t know what to tell people.”

Debate over how to respond to Americans who are irate about losing their insurance is intensifying on Capitol Hill. The House plans to vote this week on a bill introduced by Energy and Commerce Committee Chairman Fred Upton (R-Mich.) that would extend this year’s insurance plans for a year. On Tuesday, Sen. Dianne Feinstein (D-Calif.) said she is co-sponsoring a bill with Sen. Mary Landrieu (D-La.) that would require insurers to offer 2013 plans on the individual market indefinitely.

On Wednesday, the House Oversight and Government Reform Committee is set to grill several high-ranking administration technology officials about the problems affecting HealthCare.gov.
The software defects that ware making the Web site unstable with too much volume mean that some people face frozen computer screens when they try to enter information — and then get timeout errors, said the official with knowledge of the project.

Call centers have had problems, too. Within the network of 17 federally sponsored call locations staffed by more than 10,000 people, consumers are discovering that telephone representatives lack the authority to correct errors in online applications. And sometimes, consumers with more than routine questions are promised that specialists will call them back, but the calls never come.

Insurance companies, which have been pressing the White House for greater ability to sign up customers directly, are stuck at the moment, unable to complete enrollments. That is because they must connect with the federal online system to determine whether customers’ incomes qualify them for tax credits to help pay for their insurance — a part of the system that does not work.

According to the official, workers are trying to streamline the computer system so that it can handle outside queries from insurers and the call centers about whether people are eligible for subsidies. Technical workers are striving to have this part of the system working reliably within two to three weeks.

The work that remains to be done on the exchange is significant because the 2010 Affordable Care Act requires most Americans to have health insurance by Jan. 1. Under the law, the online marketplaces were supposed to be a central way for uninsured people who do not have access to insurance through a job to get coverage that is better and more affordable than most current individual policies.

In a telephone call with reporters earlier Tuesday, Bataille said that HHS is e-mailing about 275,000 consumers who have gotten stuck while trying to shop for and buy health plans. The e-mails encourage them to try again.

Asked whether the Web site could handle all those consumers if they logged on at once, Bataille replied, “That’s why we are sending this series of e-mails in waves.”
The CMS has said it has cut the waiting time for pages on the federal Web site from an average of eight seconds to one second and has reduced errors that have blocked consumers from 6 percent to 2 percent.

For some consumers, their frustration with the site has been compounded by their experiences with a call center. Lisa Chandler, 54, who lives with her husband outside Toledo, wanted to explore her new insurance options through the federal exchange. She had received a notice from her insurer that her health plan was ending and offering her a new one if she signed up by the end of this week.

After she was unable to complete an application on HealthCare.gov, she tried to contact a center three times and each time was told that a specialist would call back. No one did.
In Pennsylvania, Charles Roessler, 64, tried to apply three ways: online, through a call center and on paper. The retired computer salesman has decided on a health plan but hasn’t been able to sign up via any of the methods because no one has been able to verify his subsidy.

During his most recent attempt, on Monday, he asked a call center representative to delete duplicate applications but was told that the center lacked the authority. “We’re being told that you can go online or enroll through the call center,” he said. “Well, no, not really. . . . I’m just inches away from the finish line.”

Related stories: Have you used the new exchanges? Share your story here Understanding the Affordable Care Act Your Obamacare questions, answered Everything you need to know about the health-care law’s problems

mick silver

13th November 2013, 07:45 AM

the only ones going to the site are the ones looking for free health care

mick silver

13th November 2013, 01:10 PM

mamboni

13th November 2013, 02:12 PM

mamboni are you seeing jobs lose in health care yet over the new health care laws ? why i am asking just heard from a friend thats been working in a doctor office and 10 are being lay off . and she has been doing lab work for over 20 years

No, I haven't seen job losses. But I'm in a hospital setting. I'll ask some of the docs if they are laying off staff in 2014 because of Obamacare.

mick silver

14th November 2013, 08:14 AM

thanks doc , keep us all updated on this

mamboni

14th November 2013, 01:52 PM

Little-Known Tax Funding Obamacare

Posted: Nov 14, 2013 9:23 AM EST
Thursday, November 14, 2013 2:19 PM EST
By Ronica Cleary, @ChasingRonica

http://www.my9nj.com/story/23967715/njs-rich-funding-obamacare

Franklin Lakes, New Jersey (My9NJ) -
The Affordable Care Act or Obamacare seems to be in the headlines every day because of all of the problems surrounding the launch. And while most realize the law is funded in part by the individual mandate and penalty tax, it is also being funded in ways that are not discussed as much in the media.

Luxury real estate broker Ron Aioso says there is a tax that is rarely discussed that also helps fund Obamacare. It is a tax on high-income taxpayers when they sell their homes.

Franklin Lakes, N.J. was listed on Forbes.com (http://forbes.com/) in 2010 as one of "America's Most Expensive ZIP Codes", with a median home price of $1.3M.

Aioso says homeowners in a neighborhood like this could really be impacted by the Obamacare tax.

“Where we are today in a luxury area, you look and you see this home behind me, somebody like this is really affected,” he said.

If you are single with an adjusted gross income of $200,000 or file jointly with an income of $250,000 or more, you may be impacted. Once you sell your home, any profits over the first $500,000 are already subject to a capital gains tax. And now those profits will have an additional 3.8% tax to fund Obamacare.

Aioso noted that there is also a lot of confusion surrounding this tax and many homeowners know little about it.
“I think more than anything we need some education on it so people fully understand what is this 3.8%? What am I paying?” Aioso said.

mamboni asks: what the fuck do home sales have to do with healthcare? This is blatant socialism. I hope people sell their homes at discounted prices and use money under-the-table to beat this unconstitutional tax grab.

midnight rambler

14th November 2013, 02:13 PM

mamboni asks: what the fuck do home sales have to do with healthcare?

You know as well as anyone that 'healthcare'* is merely the cover for social control/engineering and the re-distribution of wealth/the proceeds of one's own productivity.

*Collectivist hive mindset: You're against healthcare being available to everyone, as a 'human right'(!)?? WTF is wrong with you, you selfish asshole?? I cannot wait until your generation dies off.

mamboni

14th November 2013, 02:23 PM

You know as well as anyone that 'healthcare'* is merely the cover for social control/engineering and the re-distribution of wealth/the proceeds of one's own productivity.

*Collectivist hive mindset: You're against healthcare being available to everyone, as a 'human right'(!)?? WTF is wrong with you, you selfish asshole?? I cannot wait until your generation dies off.

Agreed! To wit, the ACA law requires doctors to ask patients if they own firearms. This is the fucking government: sneaky, underhanded, always grabbing for more power, and never ever to be trusted.

mamboni

15th November 2013, 06:56 AM

House Democratic leaders won’t apologize for Obamacare promise

Pelosi says the president's words in his promise were 'absolutely' precise.

| John Shinkle/POLITICO

By SEUNG MIN KIM |11/14/13 6:45 PM EST President Barack Obama issued a rare presidential apology when he expressedremorse for promising to Americans that they could keep their insurance plans if they liked their current coverage.

Don’t expect the same “I’m sorry” from House Democratic leaders.

In a news conference Thursday after a meeting with White House officials,the top four Democrats said they won’t apologize for that promise, insteaddefending the language of the Affordable Care Act — their prized legislativeachievement.

House Minority Leader Nancy Pelosi (D-Calif.), who shepherded Obamacarethrough the House as speaker, said Obama was “very gracious” in making thatapology but that the president’s words – in the context of the law – were“absolutely” precise.

“There’s nothing in the Affordable Care Act that says that your insurancecompany should cancel you,” she told reporters. “That’s not what the AffordableCare Act is about. It simply didn’t happen.”

She continued that she did not make a similar statement to her constituents,noting that she “would have if I ever met anybody that liked his or her plan,but that was not my experience.”

Read more: http://www.politico.com/story/2013/11/house-democrats-obamacare-promise-99899.html#ixzz2kipO8tNE

mamboni comments: this is what happens when you fill government with fucking lawyers that double-talk, parse words to the extreme, and when necessary lie. If you are fooled, screwed, fleeced or bamboozled by them it's your own damn fault according to them. Pelosi is a C. U. N. T.***

***C.U.N.T., Corrupt Unscrupulous Nauseating Trollop

mamboni

15th November 2013, 06:59 AM

Second O’Keefe video exposes more Obamacare Navigators telling people to commit fraud

http://capitolcityproject.com/wp-content/uploads/veritas-navigator-cp.jpg

Second O’Keefe video exposes more Obamacare Navigators telling people to commit fraud

November 14, 2013 | Joe Schoffstall (http://capitolcityproject.com/author/j_schoff6/) - 737 Comments (http://gold-silver.us/forum/#disqus_thread)

James O’ Keefe’s Project Veritas has released a second video (http://www.youtube.com/watch?v=vXEmqVcZ4Fg) showing even more Obamacare Navigators in Texas suggesting fraud and deceit to undercover reporters — despite some in the mainstream media calling the first exposé an “isolated incident.”

“Today, Project Veritas released a second investigation exposing more Obamacare navigators counseling applicants to lie and cheat the health care system by erroneously reporting income status, health history, and more,” Project Veritas (http://www.projectveritas.com/)wrote.

They continue, “Critics said the first video was an isolated incident so we decided to visit with even more navigators funded by your American tax dollars. What we found was disturbing and showed a clear pattern of fraud through the Obamacare navigator program.”

Within the new video, Obamacare Navigators in Texas yet again counsel the reporters to lie in order to avoid higher premiums.

“To get a lower premium, I wouldn’t include it…that’s my money,” Obamacare Navigator Kris McCray from Change Happens in Houston, Texas, advises the reporter of the cash she ‘earned’ on the side but failed to report in her taxes. “I would just try to get that number as low as you can. It would help you qualify for more stuff as far as aid and stuff like that.”

WATCH:

“Do you report this on your taxes?” asks Claudia Flamand of the North Texas Area Community Health Center in Fort Worth, Texas. After the reporter says that he does not, she responds by telling him not to worry. “So if you don’t report it…It’s the same with people who clean houses…Yeah, they don’t report the taxes, they don’t report that income,” she says.

That’s not all.

“So if you don’t claim the income, you don’t have to,” a Navigator from the Community Health Centers of South Central Texas advises. “Are you sure they won’t find out?” asks the undercover reporter. The Navigator reassures that no one will find out.

From the looks of it, these are hardly the isolated incidents that some have claimed.

*To see the full unedited Project Veritas videos, click here (http://www.youtube.com/user/veritasvisuals). To see the first video in their investigation, click here (http://www.youtube.com/watch?v=BUsUWFANPS8).

EE_

15th November 2013, 07:18 AM

So once all the bugs are worked out on Obamacare and all the sick people, people with pre-existing conditions, people that don't take care of themselves and need a lot of treatment, the one's that have signed up, are paying the same rate as healthy people that take good care of themselves, that don't need treatment...what's next? Auto insurance reform?

I'm sure a lot of people that get in accidents often, have DUI's on their record and don't maintain their vehicles would like to pay the same rate as people that maintain their vehicles and don't have accidents, or DUI's.

mamboni

15th November 2013, 07:39 AM

mick silver

16th November 2013, 10:23 AM

Why Insurance Industry Support of Obamacare Will Be the Downfall of Insurance Companies
http://www.thedailybell.com/images/library/Hemera-m.jpgObamacare (http://www.thedailybell.com/definitions/params/id/28358/) is law but that may not prevent health insurance companies from feeling considerable backlash as time goes on. This brings up questions not just about insurers’ profitability but the viability of the industry as a whole both from a professional and investment standpoint. This is something that has not been focused on much, but it should be.
Now insurers, behind the scenes, are throwing their considerable muscle toward getting Obamacare up and running. Bloomberg, for instance, tells us that “Insurers Oppose Obamacare Extension as Danger to Profits.” The article explains that “allowing Americans more time to enroll for health coverage under Obamacare may raise premiums and cut into profits.”
Extending the enrollment period would have a destabilizing effect on insurance markets,” said Robert Zirkelbach, a spokesman for the Washington-based lobbyist group American’s Health Insurance Plans.
Allowing younger, healthy Americans to sign up later, as they probably would, means less revenue for insurers counting on those premiums to help defray the cost of sicker customers, threatening industry profits. “If you can enroll at any point in the year, then you can just wait until you get sick,” Brian Wright, an analyst with Monness Crespi Hardt in New York, said in a telephone interview. “This isn’t the industry crying foul and exaggerating the issue, this is actually one of those issues where there is a well-grounded reason for the concerns.”
And this is no small matter for the US economy. According to NPR, “One in eight Americans work in health care and the U.S. spends about $2.7 trillion on it each year. Tony Carnevale, director of the Georgetown University Center on Education and the Workforce, tells Robert Siegel that the U.S. healthcare system is ‘growing like crazy.’ ”
The insurers’ dilemma, despite current growth, is a self-inflicted one. In the article, “Reuters to US Economy: ‘Our Heart Will Go On’ ” we focused on the hysteria over the government shutdown and the media’s sympathetic viewpoint toward government services generally. In fact, Reuters characterized the shutdown as a “fight with no room for compromise ...” and blamed the shutdown on the so-called Tea Party (http://www.thedailybell.com/definitions/params/id/1878/). “Minority government,” the editorial fumed. “It’s outrageous when you think about it.”
This is part of a larger dominant social theme (http://www.thedailybell.com/definitions/params/id/652/): While the national healthcare website may be fixed, the larger legislative push is not to provide healthcare to all but rather to make the current provisions so onerous and expensive that people will cry out for a single payer system. The media’s sympathy toward big government will make this meme (http://www.thedailybell.com/definitions/params/id/654/) an active and persuasive one.
Government bigness and its necessity is surely a growing dominant social theme, but it is one that a significant portion of the US population doesn’t feel comfortable with, especially libertarians and Tea Party types who make up a growing and vocal minority of the electorate. In addition, heavy-handed health insurance tactics have probably alienated their natural political constituency as the Internet Reformation (http://www.thedailybell.com/definitions/params/id/2195/) shows supporters of big insurance to be the bought-and-paid-for hacks they are.
The insurance industry is thus in trouble on two fronts in the US and one wonders as a result why they’ve done what they have. The clearest explanation is greed, but if so, insurance executives may have set some sort of record for shortsightedness.
As the US public becomes familiar with the ins and outs of Obamacare there is a very good possibility that the role of the insurance industry itself will be associated with its failures. While in the short term established insurers may make considerable profits via Obamacare, in the long term they face several dangers.
The first is that the public will associate insurers closely with the more unpleasant aspects of the bill, thus giving the entire industry regular doses of bad publicity that may eventually undermine the control they’re currently exercising over the bill.
The second and even more difficult possibility is that Obamacare is merely a way station to a fully socialized single payer system. The insurance industry has probably alienated a base of natural supporters with its heavy-handed tactics in support of Obamacare. And a significant number of US citizens sympathetic to a single payer system wouldn’t mind seeing healthcare insurance done away with entirely.
It’s too soon to say healthcare insurers have signed a protracted death warrant by forcefully backing Obamacare behind the scenes, but over time it may begin to seem so. Would you want to be a healthcare insurance executive right now? Neither would we. Nor will we be looking to invest in any insurance companies at this point.
- See more at: http://www.thedailybell.com/trends-and-sector-reports/34715/How-Searching-for-Gold-Mines-in-Colombia-Led-to-a-Very-Hairy-Turn-of-Events-and-an-Incredible-Investment-Opportunity/#sthash.1mcrZ96E.dpuf
Why Insurance Industry Support of Obamacare Will Be the Downfall of Insurance Companies
http://www.thedailybell.com/images/library/Hemera-m.jpgObamacare (http://www.thedailybell.com/definitions/params/id/28358/) is law but that may not prevent health insurance companies from feeling considerable backlash as time goes on. This brings up questions not just about insurers’ profitability but the viability of the industry as a whole both from a professional and investment standpoint. This is something that has not been focused on much, but it should be.
Now insurers, behind the scenes, are throwing their considerable muscle toward getting Obamacare up and running. Bloomberg, for instance, tells us that “Insurers Oppose Obamacare Extension as Danger to Profits.” The article explains that “allowing Americans more time to enroll for health coverage under Obamacare may raise premiums and cut into profits.”
Extending the enrollment period would have a destabilizing effect on insurance markets,” said Robert Zirkelbach, a spokesman for the Washington-based lobbyist group American’s Health Insurance Plans.
Allowing younger, healthy Americans to sign up later, as they probably would, means less revenue for insurers counting on those premiums to help defray the cost of sicker customers, threatening industry profits. “If you can enroll at any point in the year, then you can just wait until you get sick,” Brian Wright, an analyst with Monness Crespi Hardt in New York, said in a telephone interview. “This isn’t the industry crying foul and exaggerating the issue, this is actually one of those issues where there is a well-grounded reason for the concerns.”
And this is no small matter for the US economy. According to NPR, “One in eight Americans work in health care and the U.S. spends about $2.7 trillion on it each year. Tony Carnevale, director of the Georgetown University Center on Education and the Workforce, tells Robert Siegel that the U.S. healthcare system is ‘growing like crazy.’ ”
The insurers’ dilemma, despite current growth, is a self-inflicted one. In the article, “Reuters to US Economy: ‘Our Heart Will Go On’ ” we focused on the hysteria over the government shutdown and the media’s sympathetic viewpoint toward government services generally. In fact, Reuters characterized the shutdown as a “fight with no room for compromise ...” and blamed the shutdown on the so-called Tea Party (http://www.thedailybell.com/definitions/params/id/1878/). “Minority government,” the editorial fumed. “It’s outrageous when you think about it.”
This is part of a larger dominant social theme (http://www.thedailybell.com/definitions/params/id/652/): While the national healthcare website may be fixed, the larger legislative push is not to provide healthcare to all but rather to make the current provisions so onerous and expensive that people will cry out for a single payer system. The media’s sympathy toward big government will make this meme (http://www.thedailybell.com/definitions/params/id/654/) an active and persuasive one.
Government bigness and its necessity is surely a growing dominant social theme, but it is one that a significant portion of the US population doesn’t feel comfortable with, especially libertarians and Tea Party types who make up a growing and vocal minority of the electorate. In addition, heavy-handed health insurance tactics have probably alienated their natural political constituency as the Internet Reformation (http://www.thedailybell.com/definitions/params/id/2195/) shows supporters of big insurance to be the bought-and-paid-for hacks they are.
The insurance industry is thus in trouble on two fronts in the US and one wonders as a result why they’ve done what they have. The clearest explanation is greed, but if so, insurance executives may have set some sort of record for shortsightedness.
As the US public becomes familiar with the ins and outs of Obamacare there is a very good possibility that the role of the insurance industry itself will be associated with its failures. While in the short term established insurers may make considerable profits via Obamacare, in the long term they face several dangers.
The first is that the public will associate insurers closely with the more unpleasant aspects of the bill, thus giving the entire industry regular doses of bad publicity that may eventually undermine the control they’re currently exercising over the bill.
The second and even more difficult possibility is that Obamacare is merely a way station to a fully socialized single payer system. The insurance industry has probably alienated a base of natural supporters with its heavy-handed tactics in support of Obamacare. And a significant number of US citizens sympathetic to a single payer system wouldn’t mind seeing healthcare insurance done away with entirely.
It’s too soon to say healthcare insurers have signed a protracted death warrant by forcefully backing Obamacare behind the scenes, but over time it may begin to seem so. Would you want to be a healthcare insurance executive right now? Neither would we. Nor will we be looking to invest in any insurance companies at this point.
- See more at: http://www.thedailybell.com/trends-and-sector-reports/34715/How-Searching-for-Gold-Mines-in-Colombia-Led-to-a-Very-Hairy-Turn-of-Events-and-an-Incredible-Investment-Opportunity/#sthash.1mcrZ96E.dpuf

mick silver

16th November 2013, 08:05 PM

Will Pelosi Cost You Your Full-Time Job? By Money Morning Staff Reports Nancy Pelosi still insists that Obamacare will improve the lives of average Americans, despite over 20 reports indicating otherwise.
"Because of the law, in the coming months Americans will have expanded choices and more affordable care." Pelosi said at a recent Capitol Hill briefing. "We will be enhancing patients' rights, putting money back in the pockets of consumers, reducing costs and strengthening the economic, financial, and health security of working families."
She goes further to say that Obamacare will even lower the nation's debt.
"The Affordable Care Act is bringing the cost of health care in our country down in both the public and private sector," said Pelosi. "And that is what is largely responsible for the deficit coming down."
But what she doesn't realize is that her numbers are flawed.
"Despite promises that the law will lower costs, [Obamacare] will in fact cause the premiums of many Americans to spike substantially," a report released by the U.S. House of Representatives Committee on Energy and Commerce concluded. "The broken promises are numerous, and the data reveals that many Americans, from recent college graduates to older adults, will not be able to afford the law's higher costs."
The report is based on responses from 17 insurance companies to a letter from Congress asking them to estimate the effects Obamacare would have on premiums and found that individuals in about 90% of all states would likely face "significant premium increases."
Furthermore, the committee found that some individuals may see premium increases up to 413%.
Editor's Note: How much extra will you have to pay? To see how much Obamacare will take from your paycheck next year, go here (http://moneymorning.com/ext/obamacare/video.php?promo=157985&src=zemanta-pelosi).
On top of higher premiums, Obamacare will create no fewer than twenty new taxes or tax hikes on the American people.
Most of the new taxes go into effect January 1, 2014, but they are already infuriating millions of Americans.
The Obama administration has even given the IRS an extra $500 million to enforce the rules and regulations of Obamacare.
The new taxes don't bode well for middle-class Americans. Incomes for the rich have soared this decade but middle class workers have seen their wages stagnate and even drop since the 2008 Great Recession.
Many fear Obamacare with its high insurance costs and new taxes, could provide the middle class a fatal blow.
Of course, the Obamacare plan was primarily designed to decrease the number of uninsured Americans and reduce healthcare costs.
Experts are saying it will have the exact opposite effect. In fact, it's estimated that Obamacare will cost the average taxpayer nearly $6,000 in extra taxes as early as next year.
A McKinsey report now estimates Obamacare will cost taxpayers at least an additional $400 billion more than originally proposed.
And another study done by the Congressional Budget Office estimates that Obamacare won't actually expand coverage and that the number of uninsured under Obamacare won't ever fall below 30 million.
Perhaps worse than anything, is that millions of Americans will now lose their full-time jobs.
That's a big reason why close to two-thirds of the country do not approve of Obamacare, according to recent polls.
Many are still furious over how the Democratically-controlled Congress passed this bill, which many scholars deem unconstitutional.
"Bipartisanship is a two-way street," Pelosi said before Congress voted on the law. "A bill can be bipartisan without bipartisan votes...We have to pass the bill so you can find out what is in it."
If Congress had read the bill before passing it they should have noticed one section of the law that says you could get slapped with a $2,000 fine for not having health insurance - even if you do actually have it.
Or another section that says that under Obamacare ordinary Americans will get stuck paying for substance abuse coverage even if they never touched a drink or drug in their life.
http://moneymorning.com/ob-article/img/vid-obama-2.jpg (http://moneymorning.com/ext/obamacare/video.php?promo=157985&src=zemanta-pelosi) Can the U.S. government really put you in jail for not buying health insurance? Go here (http://moneymorning.com/ext/obamacare/video.php?promo=157985&src=zemanta-pelosi) to see the shocking story.
With the implementation of Obamacare quickly approaching, millions of Americans are asking what they can do to prepare for all the new costs and rules.
One expert, Betsy McCaughey, former Lieutenant Governor of New York and constitutional scholar with a Ph.D. from Columbia University, recently wrote a best-selling book showing Americans how they can survive Obamacare.
McCaughey is one of the only people in the country -- including members of Congress - who has actually read the entire 2,572 page law.
Her book, titled Beating Obamacare: Your Handbook for Surviving the New Health Care Law breaks down the complicated bill into 168 pages of actionable advice.
The book, written in an easy going, easy to read style, examines the implications of Obamacare not seen in the mainstream press.
"Section 1501 of Obamacare requires nearly everyone to enroll in a one-size fits all, government-designed health insurance plan. For the first time in history, this law empowers the federal government to control how doctors treat privately insured patients," McCaughey writes. "So even if you have your own private health plan that you paid for yourself, the government will have say over your care."
She says that higher costs are only one negative of Obamacare. Doctors, nurses and other hospital employees will suffer from the government's interference in healthcare. This will trickle down to poorer patient care.
What's more, one third of all U.S. employers could stop offering health insurance to their workers, says McCaughey.
In fact, corporations including GE, IBM, and Time Warner have already said they will stop providing insurance for hundreds of thousands of employees.
McCaughey also exposes several sections of the bill that empower Secretary of Health and Human Services Kathleen Sebelius to dictate what doctors can and cannot do.
"Section 4104(a), empowers Sebelius to reduce preventive services for seniors based on the recommendations of the U.S. Preventive Services Task Force," McCaughey notes. "This is the panel that said women ages forty to forty-nine and older than seventy-four should no longer get routine mammograms."
And according to McCaughey's research, senior citizens will get hit the hardest from Obamacare. "If you're a senior or a baby boomer, expect less care than in the past," she says. "Hip and knee replacements and cataract surgery will be especially hard to get from Medicare in the months ahead."
She warns seniors to get some of those types of procedures done now before Obamacare goes into full effect, as Obamacare awards bonus points to hospitals that spend the least on seniors.
Lastly, many will find it difficult to keep their medical records private, according to McCaughey.
"The law will compel Americans to share with millions of strangers who are not physicians confidential private and personal medical history information they do not wish to share"
Editor's Note: Real facts and figures about the hidden Obamacare taxes and fees and how they will affect everyday Americans and seniors are hard to find. As a courtesy, Money Morning is giving readers a free copy of Betsy McCaughey's new book Beating Obamacare: Your Handbook for Surviving The New Health Care Law. But only a limited number of copies are available. Please go here (http://moneymorning.com/ext/obamacare/video.php?promo=157985&src=zemanta-pelosi) to reserve yours today.

http://moneymorning.com/ob-article/img/vid-obama-5.jpg (http://moneymorning.com/ext/obamacare/video.php?promo=157985&src=zemanta-pelosi)

mick silver

16th November 2013, 08:11 PM

You ‘Could Destabilize the Market’: Insurance Industry Warns of Problems With Obama’s Health Care ‘Fix’ Nov. 14, 2013 8:00pm Becket Adams (http://www.theblaze.com/author/becket-adams/)

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58 (http://www.theblaze.com/stories/2013/11/14/you-could-destabilize-the-market-insurance-industry-warns-of-problems-with-obamas-health-care-fix/#comments)

Related:

Barack Obama (http://www.theblaze.com/news/barack-obama/),
Obamacare (http://www.theblaze.com/news/obamacare/)

President Barack Obama announced Thursday a “fix” for the millions of Americans who have lost their health insurance coverage due to the Affordable Care Act — a fix could “destabilize the market,” according to America’s Health Insurance Plans (AHIP).
“Making sure consumers have secure, affordable coverage is health plans’ top priority. The only reason consumers are getting notices about their current coverage changing is because the ACA requires all policies to cover a broad range of benefits that go beyond what many people choose to purchase today,” AHIP president and CEO Karen Ignagni said in a statement.
The president announced a one-year fix that would allow 2013 insurance plans “to be grandfathered in” so long as insurance companies inform consumers they might have a better deal from the Affordable Care Act exchanges, TheBlaze (http://www.theblaze.com/stories/2013/11/14/obama-to-allow-you-to-keep-your-health-plan-but-also-require-insurance-companies-to-say-obamacare-could-be-a-better-deal/) reported.
But AHIP doesn’t think this plan will work.
“Changing the rules after health plans have already met the requirements of the law could destabilize the market and result in higher premiums for consumers. Premiums have already been set for next year based on an assumption of when consumers will be transitioning to the new marketplace,” the statement reads.
“If now fewer younger and healthier people choose to purchase coverage in the exchange, premiums will increase and there will be fewer choices for consumers. Additional steps must be taken to stabilize the marketplace and mitigate the adverse impact on consumers,” it adds.
AHIP is one of the insurance industry’s leading lobbying groups.
See more reactions to Obama’s health care “fix” on TheBlaze Blog (http://www.theblaze.com/blog/2013/11/14/the-reviews-are-in-for-obamas-health-care-fix/).
–

mick silver

16th November 2013, 08:15 PM

Cavallo is right (as are you, Proverbs)…
there is nothing that can be done to make this plan workable for the nation.
and they either knew it in creating it or were so ideologically blind in voting without reading that they are STILL responsible.
any delay does not address that 52 million will lose their insurance in order to provide more (yes, more, ED’s and existing federal plans did provide care to any who needed it) care to 75% of the 15-30 million who were uninsured…
even if you add 10 million illegals to that number, you are still denying more Americans the coverage they had chosen and were paying for in order to give more to a smaller number of Americans.
That’s the truth whether it happens now or after the next election cycle.
will the MSM pretend it is all solved if the White House (illegally) delays implementation for another year (until after elections)?

mick silver

16th November 2013, 08:17 PM

http://www.theblaze.com/stories/2013/11/14/did-nancy-pelosi-just-leak-a-major-white-house-obamacare-announcement/ comment ............... Here we go, O’A-hole is going to surround himself with a bunch of sycophants and give another fancy speech. He could say things like “I’m going to kill your children and rape your spouse” and still the sycophants around him will cheer and faint. The media will be beside themselves with joy saying such things as “He has saved us again” and Chris Matthews will have a 15 minute orgasm right there on the set. Then 65% of the American people will reaffirm their love for the jack ass in the white house as America continues to slide down the drain.

Hypertiger

17th November 2013, 04:59 PM

Lock, stock, and like shooting fish in a barrel with TNT.

http://hypertiger.blogspot.ca/2013/10/led-to-logic-gates-of-slaughter-in.html

mamboni

17th November 2013, 09:28 PM

Great News! The Obamacare website is now operational!!!

http://rexharrisonshat.com/healthcare/

mamboni

20th November 2013, 11:45 AM

The "Obamacare Shock" - One California Employer's Terrifying True Story

http://www.zerohedge.com/sites/default/files/pictures/picture-5.jpg (http://gold-silver.us/users/tyler-durden)
Submitted by Tyler Durden (http://gold-silver.us/users/tyler-durden) on 11/20/2013 12:54 -050

From a Zero Hedge reader:

My company, based in California, employs 600. We used to insure about 250 of our employees. The rest opted out. The company paid 50% of their premiums for about $750,000/yr.

Under obamacare, none can opt out without penalty, and the rates are double or triple, depending upon the plan. Our 750k for 250 employees is going to $2 million per year for 600 employees.

By mandate, we have to pay 91.5% of the premium or more up from the 50% we used to pay.

Our employees share of the premium goes from $7/week for the cheapest plan to $30/week. 95% of my employees were on that plan. Remember, we used to pay 50% now we pay 91.5% and the premiums still go up that much!!

The cheapest plan now has a deductible of $6350! Before it was $150. Employees making $9 to $10/hr, have to pay $30/wk and have a $6350 deductible!!! What!!!!

They can't afford that to be sure. Obamacare will kill their propensity to seek medical care. More money for less care? How does that help them?

Here is the craziest part. Employees who qualify for mediCAL (the California version of Medicare), which is most of my employees, will automatically be enrolled in the Federal SNAP program. They cannot opt out. They cannot decline. They will be automatically enrolled in the Federal food stamp program based upon their level of Obamacare qualification. Remember, these people work full time, living in a small town in California. They are not seeking assistance. It all seems like a joke. How can this be the new system?

Pelosi, pass the bill to find out what's in it? Surprise! You've annihilated the working class.

Q.E.D.

Horn

20th November 2013, 12:29 PM

So another apology is forthcoming?

These apologies are coming as regular as Bitcoins every 10 minutes.

That's No fun, too predictable.

mick silver

20th November 2013, 12:30 PM

http://www.thedailybell.com/images/library/Hemera-m.jpgthere no need to read a bill before you sign it into law , what a bunch of ass holes

mamboni

20th November 2013, 12:38 PM

So another apology is forthcoming?

These apologies are coming as regular as Bitcoins every 10 minutes.

That's No fun, too predictable.

So someone sticks a cactus up your ass and rips your A-hole into chop meat and whilst you are writhing in agony the perpetrator apologizes? What the fuck good does that do? We need some righteous indignation from the American popel over this Obamacare Ass-Rape Tax-Grab Bill from hell!

mamboni

20th November 2013, 12:39 PM

there no need to read a bill before you sign it into law , what a bunch of ass holes

They are not ordinary assholes. They are malicious assholes. They knew exactly what this bill was and they voted for it. Fuck them! This should be bulliish for rope and lamp posts in DC.

Libertytree

20th November 2013, 01:04 PM

Spot on Doc! Any Rep that voted for something to become law without reading is a malfescient (sp) fucktard that shouldn't be allowed to hold that position. Truth is they knew exactly what they were doing ND how bad it was gonna fuck everyone! Fuck them all!

mamboni

20th November 2013, 01:15 PM

This clown is a total disgrace to the office. He is incompetent, immature and a spiteful child. Fuck the elite for installing this human piece of shit into the Oval Office. Not a one of these assholes has the self-respect or integrity to admit when they screwed up All they can do is point fingers and play the blame game like school yard children. It's time to abolish the federal government. It is the problem folks.

Obama: Republicans Making It Difficult To Fix Obamacare Glitches

Go here to watch video of the asshole -in-chief: http://www.realclearpolitics.com/video/2013/11/20/obama_republicans_making_it_difficult_to_fix_obama care_glitches.html

PRESIDENT OBAMA: The last point I'll make is that in terms of expectation setting, there's no doubt that in an environment in which we had to fight tooth and nail to get this passed, it ended up being passed on a partisan basis -- not for lack of trying, because I met with an awful lot of Republicans to try to get them to go along -- but because there was just ideological resistance to the idea of dealing with the uninsured and people with preexisting conditions. There was a price to that, and it was that what was already going to be hard was operating within a very difficult political environment. And we should have anticipated that that would create a rockier rollout than if Democrats and Republicans were both invested in success.

One of the problems we've had is one side of Capitol Hill is invested in failure, and that makes, I think, the kind of iterative process of fixing glitches as they come up and fine-tuning the law more challenging. But I'm optimistic that we can get it fixed. (Wall Street Journal CEO Council, November 19, 2013)

mick silver

20th November 2013, 02:14 PM

http://www.thedailybell.com/images/library/samecrowd.jpgthis is what he wants us all in line

mick silver

20th November 2013, 03:56 PM

NC small business owner: ObamaCare is driving me to drink
http://hotair.com/archives/2013/11/20/nc-small-business-owner-obamacare-is-driving-me-to-drink/

mick silver

20th November 2013, 04:09 PM

CBS News: Obamacare's Entire Financial Model is In Danger of CollapsingGuy Benson (http://townhall.com/tipsheet/guybenson/) | Oct 25, 2013

http://media.townhall.com/Townhall//ColPics/benson.gif (http://townhall.com/tipsheet/guybenson/)

Recommend this article http://media.townhall.com/_townhall/resources/images/White_Arrow_Recommend_fb.png

Recommend (http://townhall.com/tipsheet/guybenson/2013/10/25/cbs-news-obamacares-financial-model-is-in-danger-of-collapsing-n1732009#)

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323 (http://townhall.com/tipsheet/guybenson/2013/10/25/cbs-news-obamacares-financial-model-is-in-danger-of-collapsing-n1732009/#comments)

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With so much of the media's attention fixated on Obamacare's technological meltdown (http://money.cnn.com/2013/10/23/technology/obamacare-website-fix/), some important storylines have gone under-explored. CBS news, to its credit delved into one of them today, noting that of the people who have successfully obtained coverage under the new law, it appears that the vast majority (http://www.cbsnews.com/8301-505267_162-57609254/medicaid-enrollment-spike-a-threat-to-obamacare-structure/) of them are new Medicaid enrollees. And that poses a mortal threat (http://nationalreview.com/campaign-spot/361925/why-it-matters-how-many-early-signups-are-medicaid-jim-geraghty) to the entire structure of the law:

The disastrous rollout of HealthCare.gov may have another serious problem: A CBS News analysis shows that in many of the 15 state-based health insurance exchanges more people are enrolling in Medicaid rather than buying private health insurance. And if that trend continues, there's concern there won't be enough healthy people buying health insurance for the system to work...The newly insured in some of those states are overwhelmingly low-income people signing up for Medicaid at no cost to them. Matt Salo, executive director of the National Association of Medicaid Directors, said, "We're seeing a huge spike in terms of Medicaid enrollments." He says the numbers have surprised him and state officials. CBS News has confirmed that in Washington, of the more than 35,000 people newly enrolled, 87 percent signed up for Medicaid. In Kentucky, out of 26,000 new enrollments, 82 percent are in Medicaid. And in New York, of 37,000 enrollments, Medicaid accounts for 64 percent...Gail Wilensky, a former Medicaid director, said the numbers are causing concern in the insurance industry, which needs healthy adults to buy private insurance in large numbers for the system to work. "Either the private insurance enrollments come up somewhere around the expected amount or there's going to be a problem. ... You need a volume and you need a mix of people that are healthy as well as high users in private insurance, in order to have it be sustainable," she said.

Those stats from Washington, Kentucky and New York are hugely problematic. The poor and sick are managing to sign up for Medicaid -- to the "surprise" of state officials -- but they aren't been offset by people who are actually purchasing care. Another crucial point: Medicaid was already in very poor fiscal and functional condition before Obamacare extended it massively. It'sterribly underfunded (http://www.prnewswire.com/news-releases/new-national-study-shows-devastating-medicaid-underfunding-in-ohio-136149418.html); many doctors and hospitals refuse to accep (http://www.mcclatchydc.com/2013/05/13/191105/most-doctors-still-reject-medicaid.html)t new Medicaid patients due to the government's paltry reimbursement rates. Perhaps worst of all, Medicaid is catastrophically ineffective. Just because indigent individuals are enrolled in Medcaid coverage doesn't mean they actually receive quality care. According to the most comprehensive study (http://www.forbes.com/sites/theapothecary/2013/05/11/four-reasons-why-the-oregon-medicaid-results-are-even-worse-than-they-look/) ever done on the program (which used Oregon's system as the basis for analysis) poor people enrolled in Medicaid have no better health outcomes than their uninsured counterparts. We're not just spending endless billions on a program that flat-out doesn't work, we're expanding it through Obamacare. This is why the president isn't being truthful when he claims that apart from the website, the underlying Obamacare product is "good" (http://townhall.com/tipsheet/guybenson/2013/10/21/president-obamacare-remarks-n1728904) and working "really well." It's not. We touched on the issue of dropped coverage (http://townhall.com/tipsheet/guybenson/2013/10/24/estimate-16-million-americans-will-lose-current-coverage-because-of-obamacare-n1731700) yesterday, another one of the law's glaring flaws and broken promises. CBS News is on that case (http://www.cbsnews.com/8301-18563_162-57609224/arrival-of-obamacare-forcing-insurers-to-drop-customers-with-low-coverage/), too:

The Affordable Care Act was signed by President Obama in 2010 and since then he has repeated one reassuring phrase: "If you like your insurance plan you will keep it. No one will be able to take that away from you. It hasn't happened yet. It won't happen in the future." But it is happening..."I was completely happy with the insurance I had before," Willes said. So she was surprised when she tried to renew her policy. What did she find out? "That my insurance was going to be completely different, and they were going to be replaced with 10 new plans that were going to fall under the regulations of the Affordable Care Act," she said. "Before I had a plan that I had a $1,500 deductible," she said. "I paid $199 dollars a month. The most similar plan that I would have available to me would be $278 a month. My deductible would be $6,500 dollars, and all of my care after that point would only be covered 70 percent."
Shorter CBS: The president lied. In the case of this young woman, Ed Morrisseyruns the math (http://hotair.com/archives/2013/10/25/cbs-obamacare-forcing-millions-to-lose-their-insurance/): "Willes will have to pay $948 more a year for the new policy, but that’s not all. She will also have to another $5,000 extra on top of that to get past the deductible each year before she gets any benefit from the policy at all." Her plan is being dropped, her out-of-pocket costs are quadrupling, and her premiums are nearly doubling -- a parade of shattered promises. It's outrageous. Ms. Willes is not the only person who's going to end up paying a lot more. Obamacare supporter Kirsten Powers admitted on Fox News (http://www.youtube.com/watch?v=fLtu8axeX2w) last night that her costs are jumping considerably because of the new law:

Give Powers a few points for intellectual honesty. She admits that her own plan is getting approximately twice as expensive, then slaps the White House for selling Obama's multi-trillion-dollar overhaul on false pretenses. Meanwhile, ten Senate Democrats are calling on the administration to delay and extend the enrollment -- which would accelerate the death spiral (for reasons explained here (http://townhall.com/tipsheet/guybenson/2013/10/25/vulnerable-democrats-no-seriously-whos-up-for-an-obamacare-delay-n1731770)), and would be illegal (http://washingtonexaminer.com/law-says-obama-cant-extend-obamacare-enrollment-period-without-act-of-congress/article/2537721) as a unilateral executive decree. These Democrats think they're sounding reasonable and buying time, when in fact they're doing neither. I'll say it again: If panicked Democrats genuinely believe their program is so unready in its current state that it must be pushed back, the only way they can stave off disaster is a delay of pretty much the entire law (http://townhall.com/tipsheet/guybenson/2013/10/25/vulnerable-democrats-no-seriously-whos-up-for-an-obamacare-delay-n1731770). Will Harry Reid allow such a vote? Up-or-down. Time's a-wastin (http://www.npr.org/blogs/health/2013/10/21/239262661/how-long-do-they-really-have-to-fix-that-obamacare-website)'. The administration's "tech surge" guru is now claiming that healthcare.gov will be fully functional by the end of November (https://twitter.com/rickklein/statuses/393773327895887874). That time frame will likely stir skepticism among various experts (http://money.cnn.com/2013/10/23/technology/obamacare-website-fix/), who've estimated (http://townhall.com/tipsheet/guybenson/2013/10/18/obamacare-trainwreck-latest-n1726571) the project will lastmonths. The White House's own deadline has jumped from October 1 to November 30. If the new goal isn't met, major, disruptive delays are going to be unavoidable. I'll leave you with NBC's David Gregory wondering (http://www.youtube.com/watch?v=b4KhX0w5mwI#t=81) if Republicans have been right about Obamacare all along:

mick silver

20th November 2013, 04:14 PM

i hope everyone gets a good laugh here http://media.townhall.com/Townhall/Car/b/payn_c11366220131120120100.jpghttp://media.townhall.com/Townhall/Car/b/bg112013dAPR20131120044514.jpg

mick silver

20th November 2013, 04:16 PM

http://media.townhall.com/Townhall/Car/b/BMI-Kids%202Day20131119080242.jpghttp://media.townhall.com/Townhall/Car/b/payn_c11261920131003120100.jpghttp://townhall.com/political-cartoons/2013/11/19/113674

mick silver

20th November 2013, 04:18 PM

http://media.townhall.com/Townhall/Car/b/sk111913dAPR20131118084511.jpghttp://media.townhall.com/Townhall/Car/b/payn_c11254520130930120100.jpghttp://media.townhall.com/Townhall/Car/b/gv111913dAPR20131119024521.jpg

mick silver

20th November 2013, 04:21 PM

dam this is some funny shit , check this place out ...http://townhall.com/political-cartoons/2013/11/19/113653http://media.townhall.com/Townhall/Car/b/payn_c11335920131104120100.jpghttp://media.townhall.com/Townhall/Car/b/payn_c11296720131018120100.jpg

Horn

20th November 2013, 04:38 PM

Obama Administration Prepares Workaround For Troubled Obamacare Website (http://thinkprogress.org/health/2013/11/20/2973181/admin-preps-workaround-website/)

As the Obama administration scrambles to get the beleaguered HealthCare.gov website working for the majority of users by the end of the month, the Centers for Medicare and Medicaid Services (CMS) are working on a contingency plan to that will let insurance companies directly enroll Americans — including those who are eligible for Obamacare subsidies — into marketplace health plans without relying on the online portal.

Administration officials told (http://www.huffingtonpost.com/2013/11/19/obamacare-enrollment_n_4304818.html?1384904725) reporters that they will soon give insurers the technological capability to accept subsidy applications and directly enroll consumers into plans during a conference call on Tuesday. Insurance companies have already been able to enroll those who don’t qualify for subsidies, but early problems with HealthCare.gov had previously made it impossible for CMS officials to give them the ability to do the same for subsidy eligible Americans.

The Huffington Post’s Jeff Young notes (http://www.huffingtonpost.com/2013/11/19/obamacare-enrollment_n_4304818.html?1384904725) that consumers using the direct enrollment option won’t be able to comparison shop for plans. But these Americans could actually turn to third-party HealthCare.gov alternatives that let consumers window shop for policies instead. For instance, Andrew Sprung has highlighted two sites, Value Penguin (http://www.valuepenguin.com/) and Health Sherpa (http://www.thehealthsherpa.com/), that give consumers accurate quotes and even subsidy estimates for Obamacare marketplace plans.

In the meantime, HealthCare.gov itself and several state Obamacare marketplaces have been making steady improvements. CMS officials noted that about two-thirds of the major bugs they first identified have been fixed, and about double the number of people (http://firstread.nbcnews.com/_news/2013/11/19/21536700-are-impressions-about-healthcaregov-outdated?lite) who signed up for coverage through the federal site in all of October enrolled in a plan in the first two weeks of November alone. Several state-run marketplaces have seen similar surges in Obamacare enrollment (http://www.kaiserhealthnews.org/Daily-Reports/2013/November/19/reform-state-exchanges.aspx) this month.

There’s still a long way to go before all of Obamacare’s technical kinks get worked out, and the gloomy media coverage surrounding the various problems has led to record low approval numbers (http://www.cbsnews.com/8301-250_162-57613067/poll-obamacare-support-obama-approval-sink-to-new-lows/) for the president and his signature health law. But these same polls show that more Americans would prefer to fix Obamacare’s problems (http://www.washingtonpost.com/blogs/plum-line/wp/2013/11/19/the-morning-plum-heres-why-dems-should-stick-with-obamacare/) than scrap health care reform altogether.

mamboni

21st November 2013, 06:50 AM

Obama's "Success Story" Woman Repriced Out Of Obamacare

http://www.zerohedge.com/sites/default/files/pictures/picture-5.jpg (http://gold-silver.us/users/tyler-durden)
Submitted by Tyler Durden (http://gold-silver.us/users/tyler-durden) on 11/20/2013 22:34 -0500

Obamacare (http://gold-silver.us/taxonomy_vtn/term/10967)

Submitted by Michael Krieger of Liberty Blitzkrieg blog (http://libertyblitzkrieg.com/2013/11/20/woman-touted-as-obamacare-success-story-is-now-kicked-off-obamacare/),

Meet Jessica Sanford. Upon the rollout of Obamacare she was 1 of maybe 5 people in the entire nation who was able to access the website and actually sign up through one of the state exchanges. In her case, it was the Washington exchange.
She was so thrilled about her purchase that she wrote a letter to President Barrack Obama expressing her undying gratitude.

Since her letter was quite possibly the only positive letter the Administration received, the President proudly read it aloud during his Obamacare speech on October 21st.

The only problem is that a few days later she was repriced out of Obamacare. So she’s now uninsured again…

http://www.youtube.com/watch?v=BRwS4KoF62g&feature=player_embedded

mamboni

21st November 2013, 07:24 AM

Enroll America Director Conspires to Release Private Data

NOV 20, 2013

Do you know where your personal data is going?

After meeting with several Obamacare Navigators who openly encouraged our undercover reporters to lie about income status, health history and more, it became clear that personal data was also being “cross-pollinated.”
Enter Enroll America, a Sebelius-linked group dedicated to signing people up for Obamacare and Chris Tarango, Texas Enroll America Communications Director who Project Veritas caught on tape agreeing to help obtain a private list of potential Obamacare enrollee data for election/political purposes. Tarango goes so far to say he’ll “Do whatever it f****** takes.”

Watch the video below!

http://www.youtube.com/watch?feature=player_embedded&v=oYVpfMrDWMk

Horn

21st November 2013, 10:47 AM

http://www.youtube.com/watch?v=BRwS4KoF62g&feature=player_embedded

Another apology?

mamboni

21st November 2013, 02:09 PM

Mamboni comments: these commie who dumped this Obamacare pile of shit on us are running from it as fast as they can. And the word has gone out: "Don't call it Obamacare anymore; we can't have the negro blamed for this fuckup of epic proportions."

Obamacare Then, Affordable Care Act Now

http://www.youtube.com/watch?feature=player_embedded&v=kXRm0yVyn7k

BY: David Rutz (http://freebeacon.com/author/rutz/)
November 20, 2013 4:32 pm

The term “Obamacare” has largely disappeared from the mouths of Democrats as the president’s health care reform law has gone from a rallying cry to a political grenade.

President Obama once said he embraced the phrase on the 2012 campaign trail, telling supporters, “I do care.” As recently as Nov. 8, Obama predicted (http://www.whitehouse.gov/the-press-office/2013/11/08/remarks-president-economy-port-new-orleans) to a laughing crowd in New Orleans that his political opponents would stop using the term once the law became popular.

“I know health care is controversial, so there’s only going to be so much support we get on that on a bipartisan basis — until it’s working really well, and then they’re going to stop calling it Obamacare,” he said. “They’re going to call it something else.”

However, it has seemed to change names with the Democrats instead as the law’s popularity has slumped to new lows (http://www.cbsnews.com/8301-250_162-57613067/poll-obamacare-support-obama-approval-sink-to-new-lows/) in the wake of Obama’s broken promises (http://freebeacon.com/36-times-obama-said-you-can-keep-your-health-plan/), rising premiums (http://freebeacon.com/study-premiums-for-young-people-to-rise-in-all-50-states/), insurance cancellations (http://freebeacon.com/experts-individual-health-insurance-market-functioned-better-before-obamacare/) and a disastrous rollout (http://freebeacon.com/trainwreck/). Obama’s approval rating (http://www.cbsnews.com/8301-250_162-57613067/poll-obamacare-support-obama-approval-sink-to-new-lows/) has also plummeted as a result.

During an apologetic press conference Nov. 14, Obama referred to his law as the Affordable Care Act 12 times (http://www.politico.com/story/2013/11/barack-obama-obamacare-affordable-care-act-health-care-law-100034.html) but did not say “Obamacare” once. House Minority Leader Nancy Pelosi, who has referred to the law as Obamacare in the past, told Meet the Press host David Gregory that she “always” referred to it as the Affordable Care Act during an interview (http://freebeacon.com/pelosi-gets-grilled-over-false-obamacare-promises-on-meet-the-press/) Sunday, and other Democrats are backing off the term as well.

mick silver

23rd November 2013, 02:04 PM

Obamacare: The Final Nail In The Coffin For The Middle Class
http://theeconomiccollapseblog.com/wp-content/themes/atahualpa/images/icons/user.gif By Michael Snyder, on November 17th, 2013

http://theeconomiccollapseblog.com/wp-content/uploads/2013/11/Coffin-300x208.jpg (http://theeconomiccollapseblog.com/archives/obamacare-the-final-nail-in-the-coffin-for-the-middle-class/coffin)If there were any shreds of hope left that the stunning decline of the middle class could be turned around, Obamacare has absolutely destroyed them. Over the past decade or so, the middle class in the United States has been absolutely eviscerated (http://theeconomiccollapseblog.com/archives/which-america-do-you-live-in-21-hard-to-believe-facts-about-wealthy-america-and-poor-america). The number of working age Americans without a job has increased by 27 million (http://theeconomiccollapseblog.com/archives/10-facts-about-the-growing-unemployment-crisis-in-america-that-will-blow-your-mind) since the year 2000, median household income in the U.S. has fallen for five years in a row (http://theeconomiccollapseblog.com/archives/median-household-income-has-fallen-for-five-years-in-a-row), and the poverty numbers in this country are spiraling out of control (http://theeconomiccollapseblog.com/archives/29-incredible-facts-which-prove-that-poverty-in-america-is-absolutely-exploding). And now here comes Obamacare. As you will see below, Obamacare is causing millions of Americans to lose their current health insurance policies, it is causing health insurance premiums to explode to absolutely ridiculous levels, and it is systematically killing jobs even though the employer mandate has been delayed for a while. All of this is creating a tremendous amount of stress for millions of middle class families that are already stretched extremely thin financially. According to CNN (http://money.cnn.com/2013/06/24/pf/emergency-savings/), a survey that was conducted earlier this year found that 76 percent of all Americans are living paycheck to paycheck. Most of those families simply cannot afford to pay much higher health insurance premiums for new policies that also come with much larger deductibles and significantly increased out-of-pocket costs. Millions of those families will ultimately end up choosing to do without health insurance altogether, and that will create a whole host of new problems. This is a disaster that is so enormous that it is really hard to put into words. If the U.S. health care system was a separate country, it would be the 6th largest economy on the entire globe all by itself. And now Obamacare is going to bring the entire U.S. health care system to its knees.
Obamacare: Since October 1st, The Number Of Americans With Health Insurance Has Fallen By Nearly 4 Million
Last week, Barack Obama decided to allow Americans to keep their current health insurance plans for one more year.
Isn't that generous of him? Especially considering the fact that he promised us over and over (http://www.youtube.com/watch?v=qpa-5JdCnmo) that if we liked our current health insurance policies that we would be able to keep them permanently.
The funny thing is that Obama is not actually changing the law. So if your health insurance company allows you to stay on your current health insurance plan that does not meet the requirements of Obamacare, it is technically breaking the law.
And if you continue to stay on that current health insurance plan that does not meet the requirements of Obamacare, you are technically breaking the law.
It is just that Obama has promised not to enforce what the law says for one year.
For a president to just blatantly disregard the rule of law is a very dangerous precedent. Do we really want the president to have the power to decide what laws are going to be enforced and what laws are not going to be enforced?
That sounds dangerously close to a dictatorship to me.
And in any event, there are many Americans that are not going to be able to keep their current policies no matter what Obama says. For example, just two hours after Obama announced his plan last week, the state of Washington (http://blogs.seattletimes.com/healthcarecheckup/2013/11/14/state-insurance-commissioner-rejects-obamas-proposal-to-extend-canceled-policies/) announced that they would not be allowing insurance companies to extend their old health insurance plans if they don't comply with Obamacare under any circumstances...

State Insurance Commissioner Mike Kreidler has rejected President Obama’s proposal to allow insurance companies to extend health insurance policies for people who have received notices that their policies will be cancelled at the end of the year.
Within two hours of President Obama’s news conference announcing the proposed administrative fix for Americans upset by their policy cancellations, Kreidler issued a statement rejecting the proposal.
“I understand that many people are upset by the notices they have recently received from their health plans and they may not need the new benefits [in the Affordable Care Act] today,” he said. “But I have serious concerns about how President Obama’s proposal would be implemented and more significantly, its potential impact on the overall stability of our health insurance market.”
“I do not believe his proposal is a good deal for the state of Washington,” Kreidler’s statement continued. “We will not be allowing insurance companies to extend their policies.”
How do you think the people of the state of Washington will respond to that?
Things are getting crazy out there, and the number of people that are losing their health insurance policies is absolutely stunning.
According to the Wall Street Journal (http://online.wsj.com/news/articles/SB10001424052702303789604579197733759439274?mod=WS J_WSJ_US_News_4), so far 106,185 Americans have enrolled in Obamacare since October 1st. Most of those that have successfully enrolled have done so through the state insurance exchanges. So far, only 26,794 Americans have signed up for health insurance using the federally run exchanges on HealthCare.gov.
Meanwhile, during that same time frame, 4.02 million Americans have had their health insurance policies cancelled.
So that means that the number of Americans with health insurance has actually decreased by 3,918,205 since October 1st.
Wasn't Obamacare supposed to result in more Americans being covered?
And according to U.S. Senator Rand Paul (http://sgtreport.com/2013/11/rand-paul-on-the-bogus-govt-shut-down-96-at-hud-93-at-epa-and-dept-of-eduction-90-unessential-and-one-guy-who-skipped-work-for-18-months-and-made-80000year/), Obama not only knew that this would happen, he actually wrote the regulation that caused this to happen...

"I’m still learning about it. It’s 20,000 pages of regulations. The Bill was 2,000 pages and I didn’t realize this until this week, the whole idea of you losing or getting your insurance cancelled wasn’t in the original Obamacare. It was a regulation WRITTEN BY PRESIDENT OBAMA, three months later. So we had a vote, this is before I got up there. The Republicans had a vote to try to cancel that regulation so you COULDN’T BE CANCELLED, to grandfather everybody in. You know what the vote was? Straight party line. EVERY DEMOCRAT VOTED TO KEEP THE RULE THAT CANCELS YOUR INSURANCE."
So now millions of Americans, including women battling cancer (http://www.weeklystandard.com/blogs/woman-cancer-dropped-insurance-due-obamacare_767085.html), are losing health insurance plans that they were depending upon.
Thanks Obama?
Obamacare: Skyrocketing Health Insurance Premiums
How much more are you willing to pay for health insurance than you are paying right now?
10 percent?
20 percent?
30 percent?
Well, according to one study (http://www.forbes.com/sites/theapothecary/2013/09/25/double-down-obamacare-will-increase-avg-individual-market-insurance-premiums-by-99-for-men-62-for-women/) health insurance premiums for men are going to go up by an average of 99 percent under Obamacare and health insurance premiums for women are going to go up by an average of 62 percent under Obamacare.
And of course some groups are going to see increases that are much larger than that. For example, it is being projected that health insurance premiums for healthy 30-year-old men will rise by an average of 260 percent (http://www.wnd.com/2013/11/healthcare-disaster-just-beginning/).
Ouch.
And there are some families out there that have already been hit with health insurance premium increases that are absolutely jaw-dropping. In a previous article (http://theeconomiccollapseblog.com/archives/10-signs-that-obamacare-is-going-to-wreck-the-u-s-economy), I included the example of one family down in Texas (http://www.naturalnews.com/042703_Obamacare_rate_shock_health_insurance_costs .html) that has been hit with a 539% rate increase...

Obamacare is named the "Affordable Care Act," after all, and the President promised the rates would be "as low as a phone bill." But I just received a confirmed letter from a friend in Texas showing a 539% rate increase on an existing policy that's been in good standing for years.
As the letter reveals (see below), the cost for this couple's policy under Humana is increasing from $212.10 per month to $1,356.60 per month. This is for a couple in good health whose combined income is less than $70K -- a middle-class family, in other words.
Obamacare: Enormous Deductibles And Huge Out-Of-Pocket Expenses For All
It isn't just health insurance premiums that are going up either. Deductibles are going up too. In fact, just check out what one survey of Americans living in seven different states recently discovered (http://www.bloomberg.com/news/2013-11-15/obamacare-deductibles-26-higher-make-cheap-rates-a-risk.html)...

Expenses for some policies can reach $6,350 for a single person and $12,700 per family, the most allowed by the health-care law, according to a survey (http://www.healthpocket.com/healthcare-research/infostat/obamacare-bronze-plan-study/#.UnculPmsiSo)by HealthPocket Inc. of seven states, including California and Ohio. That’s 26 percent higher than the average deductible in the seven states, and a scenario likely repeated across the country, said Kev Coleman, head of research and data at Sunnyvale, California-based HealthPocket.
That same article has a great quote from an elderly New Jersey resident. 82-year-old Larry Saphire thinks that if you have to pay a $5,000 deductible up front, "you might as well not have any insurance at all"...

“If you have to pay $5,000 upfront” when illness hits, “you might as well not have any insurance at all,” said Larry Saphire, 82, of West Orange, New Jersey, who shopped for coverage for his wife and two children, ages 16 and 21. “That’s not insurance.”
On California’s state-run exchange site, the standard low-premium “bronze” plan carries a $5,000 deductible per person, a $60 co-pay to see a doctor and a 30 percent fee, known as coinsurance, on hospital care. In Rhode Island, Blue Cross Blue Shield’s bronze plan has a $5,800 deductible while Missouri’s U.S.-run exchange offers plans by Anthem Blue Cross with the maximum-allowable $6,350 in out-of-pocket costs.
Obamacare: The Quality Of Care Is Going To Go Into The Toilet
A lot of Americans that are signing up for Obamacare are going to be in for a huge shock. Many of the best hospitals and many of the best doctors are not covered by their plans (http://www.bloomberg.com/news/2013-11-11/hope-is-all-obamacare-has-left.html)...

Meanwhile, sometime between March and June, the other shoe drops: People who bought exchange policies realize that the restricted networks insurers created to keep the premium costs low cut out thebest hospitals (http://www.advisory.com/Daily-Briefing/2013/11/01/Many-Obamacare-exchange-plans-do-not-include-top-hospitals) and doctors. A newly insured child with cancer cannot get into a top pediatric hospital because her insurance has zero coverage for out-of-network emergency care. Tearful Mom goes on the evening news and says that she thought when they went on Obamacare, that meant they were safe, and why can’t I take my baby to Philadelphia Children’s Hospital, Mr. President?
Can you imagine being a parent in that situation?
In response, some hospitals are already filing suit over this. For instance, check out what is happening over in Seattle (http://www.storyleak.com/cant-keep-doctor-seattle-hospital-sues-obamacare-cuts-childrens-access/)...

Seattle Children’s Hospital filed suit against Washington State’s Office of the Insurance Commissioner this week, after Obamacare implementation caused the hospital to be cut from four of the six insurance plans offered by the new Washington Health Benefit Exchange.
And even if you are on Medicare that does not mean that the quality of your care is going to stay the same either. As Reuters just reported (http://news.yahoo.com/unitedhealth-drops-thousands-doctors-insurance-plans-wsj-030014903--finance.html), UnitedHealth is dumping "thousands of doctors" from their Medicare Advantage plans for the elderly because of Obamacare...

UnitedHealth Group dropped thousands of doctors from its networks in recent weeks, leaving many elderly patients unsure whether they need to switch plans to continue seeing their doctors, the Wall Street Journal reported on Friday.
The insurer said in October that underfunding of Medicare Advantage plans for the elderly could not be fully offset by the company's other healthcare business. The company also reported spending more healthcare premiums on medical claims in the third quarter, due mainly to government cuts to payments for Medicare Advantage services.
In the United States, we already pay much more (http://economy.money.cnn.com/2013/11/14/america-healthcare/?iid=HP_LN) for health care than everyone else in the world, and we typically have to wait longer to see a doctor than most of the rest of the industrialized world does.
Now Obamacare is going to make all of this even worse, and the quality of the care that we receive is going to go downhill fast.
Obamacare: The Jobs Killer
A while back, Obama unilaterally made the decision to delay the implementation of the employer mandate until 2015.
That was probably a good political decision, because it would have been a huge political issue in the 2014 elections.
But the truth is that we won't have to wait until 2015 for Obamacare to start killing jobs. In fact, according to CNBC (http://www.cnbc.com/id/101196459) it is already happening...

Approximately one-third of business decision-makers at companies with between 40 and 500 employees, say the health-care law has already increased their costs due to hikes in both the cost of insurance and compliance, according to a recent report from political-research firm Public Opinion Strategies. As a result, many business leaders say they are already making personnel decisions based on the Affordable Care Act.
Among franchised businesses, 27 percent report their company has replaced full-time workers with part-time workers and 31 percent have reduced worker hours. Among non-franchised businesses, 12 percent are replacing full-time workers with part-time workers or reducing hours. This is happening now, with more than a year before the mandate goes into effect; and undoubtedly, these numbers will rise as we approach next July's "look back" period for tabulating workers' hours.
It is kind of startling that we are already seeing employers make such big changes even though the employer mandate does not come into effect until 2015. You can find a very long list of some of the employers that have already either eliminated jobs or cut hours because of Obamacareright here (http://news.investors.com/politics-obamacare/101713-669013-obamacare-employer-mandate-a-list-of-cuts-to-work-hours-jobs.htm).
Remember, this is just the tip of the iceberg. Once we get closer to the deadline things are going to get much, much worse.
At a time when the middle class desperately needs jobs, Obamacare is going to slaughter them.
And even if you are able to keep your current job, that does not mean that your health plan will remain the same. In fact, Forbes (http://www.forbes.com/sites/theapothecary/2013/10/31/obama-officials-in-2010-93-million-americans-will-be-unable-to-keep-their-health-plans-under-obamacare/) is projecting that a staggering 51 percent of all employment-based health insurance plans will be canceled and replaced with new ones.
Overall, Forbes is projecting that an astounding 93 million (http://www.forbes.com/sites/theapothecary/2013/10/31/obama-officials-in-2010-93-million-americans-will-be-unable-to-keep-their-health-plans-under-obamacare/) Americans will eventually lose their current health insurance policies due to Obamacare.
Obamacare: Providing Huge Incentives For Many Americans To Work Less And Make Less Money
Did you know that Obamacare is going to cause millions of Americans to want to keep their incomes under certain levels?
If you make too much money under Obamacare, you will miss out on some absolutely massive health care subsidies. The following is an excerpt from one of my previous articles (http://thetruthwins.com/archives/why-obamacare-will-motivate-millions-of-americans-to-make-less-money-and-get-divorced)...

-----The figures that you are about to see were calculated using the Kaiser Family Foundation subsidy calculator (http://kff.org/interactive/subsidy-calculator/). These numbers apply to a husband and a wife that are both 62 years old.
A non-smoking, married couple living in San Francisco, California earning $63,000 a year will have to pay $20,318 a year for a silver plan under Obamacare and $12,647 a year for a bronze plan.
At $63,000, that couple would be making too much money to be eligible for a subsidy, so that couple will have to pay the total cost of whatever plan they choose by themselves.
But if that couple only made $62,000 a year, things would dramatically change.
The plans would still cost the same, but the couple would now be eligible for an Obamacare subsidy of $14,428.
So a silver plan would end up costing them only $5,890, and they would ultimately pay nothing for a bronze plan.
In other words, by reducing their income by $1,000, that couple would save $14,428 if they got a silver plan or they would save $12,647 if they got a bronze plan.
Isn’t that bizarre?

-----In the end, millions upon millions of middle class families will decide to go without health insurance entirely for one reason or another.
This will work great until they get into an accident or become seriously ill.
As I have discussed previously (http://theeconomiccollapseblog.com/archives/50-signs-that-the-u-s-health-care-system-is-a-gigantic-money-making-scam-that-is-about-to-collapse), approximately 60 percent (http://articles.cnn.com/2009-06-05/health/bankruptcy.medical.bills_1_medical-bills-bankruptcies-health-insurance?_s=PM:HEALTH) of all personal bankruptcies in the United States are related to medical bills. And most of those bankruptcies actually happen to people that are supposedly "covered" by health insurance.
Obamacare is going to make all of this so much worse. Millions of middle class families will end up with no health insurance at all, and because so many of them are living paycheck to paycheck a single health emergency will be enough to send them hurtling down the path to financial oblivion.
If you get into an accident, a visit to the emergency room and a single night in the hospital can easily cost tens of thousands of dollars in many areas of the country.
If you get a serious illness such as cancer, the medical bills can be absolutely astronomical. For instance, there are many cancer patients that rack up medical bills well in excess of a million dollars by the time that they die.
Something desperately needs to be done about our horrible health care system. Unfortunately, Obamacare is going to make just about everything that is bad about our current system much, much worse.
And the American people are becoming increasingly disgusted and frustrated with Obamacare. According to Real Clear Politics, an average of recent opinion polls shows that the American people are opposed to Obamacare by an average margin of 14.2 percentage points (http://www.realclearpolitics.com/epolls/other/obama_and_democrats_health_care_plan-1130.html).
So what do you think about Obamacare?
Please feel free to share your opinion by posting a comment below, and please share this information with as many people as you possibly can.
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