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As A Result Of Obamacare, Employer-Based Health Insurance Is Becoming Extinct

Tyler Durden's picture




 

Submitted by Michael Snyder of The Economic Collapse blog,

Barack Obama promised to fundamentally transform America, and when it comes to health care he has definitely kept his promise.  Thanks to Obamacare, health care spending is up, health insurance premiums are up, the number of hours Americans are working is down and employer-based health insurance is becoming an endangered species.  Of course employer-based health insurance will not disappear completely any time soon, but it has been steadily shrinking for over a decade, and Obamacare will greatly accelerate that decline. 

 

If you go back to 1999, 64.1 percent of all Americans were covered by employment-based health insurance.  That was pretty good.  Today, only 54.9 percent of all Americans are covered by employment-based health insurance, and now thousands upon thousands of U.S. employers are considering reducing the scope of the health plans they offer to employees or eliminating them altogether due to Obamacare.  If you are thinking that this sounds like a potential nightmare for millions of Americans families, you would be exactly right.

There have already been widespread reports of companies dropping health insurance, but nobody knows for sure how widespread the carnage will be.  According to Businessweek, the surveys that have been done up to this point have come up with widely varying results...

A Deloitte study last year suggested 10 percent of employers would stop offering group health plans. A widely criticized McKinsey report from 2011 put the number as high as one-third. The Congressional Budget Office’s latest projections suggest 8 million fewer people will be covered by employer plans five years from now under the ACA than without it. Many of them will get policies through health insurance exchanges instead.

But what everyone does agree on is that employer-based health coverage will continue to diminish.

And we are already watching this happen right in front of our eyes.  Just this week, the Wall Street Journal reported that the largest security guard firm in the United States is dropping health coverage for 55,000 employees...

The nation's largest provider of security guards plans to discontinue its lowest-cost health plans and steer roughly 55,000 workers to new government-sponsored insurance exchanges for coverage next year, in the latest sign of the fraying ties between employment and health care.

 

The U.S. arm of Sweden's Securitas AB is among more than 1,200 employers that offer the kind of bare-bones health plans that must be phased out beginning Jan. 1 under the health-care law. Nearly four million people are enrolled in these so-called mini-med plans, which cap benefits to participants, sometimes at as little as $3,000 a year.

 

"The mini-meds go away and we're not replacing them," said Jim McNulty, a spokesman for Securitas's U.S. operation. "Their option is to go to the exchanges."

 

Other big employers, including Darden Restaurants Inc., Home Depot Inc. and Trader Joe's Co., say they will stop offering health insurance to part-time workers, and will direct those employees to the state exchanges. Darden, Home Depot and Trader Joe's previously offered mini-meds to their part timers.

Speaking of Trader Joe's, I wrote about how they are eliminating health coverage for part-time workers the other day.  Instead of providing health insurance for their part-time workers, Trader Joe's will be writing them a check and pushing them on to the Obamacare exchanges...

Trader Joe's, the grocer once lauded for providing health care coverage to its part-time workers, is about to push those employees off its plan.

According to a memo obtained by the Huffington Post, the company will stop covering employees who work less than 30 hours per week.

The change is set for the start of 2014. Instead of insurance, workers instead will get a check for $500 in January.

"Depending on income you may earn outside of Trader Joe's, we believe that with the $500 from Trader Joe's and the tax credits available under the [Affordable Care Act (ACA)], many of you should be able to obtain health care coverage at very little if any net cost to you," said Trader Joe CEO Dan Bane in the memo.

And this is a huge reason why the shift from full-time work to part-time work in America has accelerated this year.  Obamacare creates an incentive for companies to have more part-time workers and less full-time workers.  In fact, almost all of the jobs that have been "created" by the U.S. economy in 2013 have been part-time jobs.

But it is incredibly difficult to try to support a family on a part-time job.  Sadly, the quality of our jobs continues to decline rapidly and only 47 percent of all adults have a full-time job in America today.  This is only going to continue to get even worse under Obamacare.

As a result of these trends, more Americans are going to be forced to go out and buy health insurance "on the individual market".  When they do, they are likely to be in for a really nasty surprise...

Andy and Amy Mangione of Louisville, Ky. and their two boys are just the kind of people who should be helped by ObamaCare. But they recently got a nasty surprise in the mail.

 

"When I saw the letter when I came home from work," Andy said, describing the large red wording on the envelope from his insurance carrier, "(it said) 'your action required, benefit changes, act now.' Of course I opened it immediately."

 

It had stunning news. Insurance for the Mangiones and their two boys,which they bought on the individual market, was going to almost triple in 2014 --- from $333 a month to $965.

 

The insurance carrier made it clear the increase was in order to be compliant with the new health care law.

Are you ready to have your health insurance premiums potentially double or triple?

In other cases, families are discovering that health insurance companies are simply cancelling their health insurance plans...

Across the country, insurers are sending out ObamaCare-induced health plan death notices to untold tens of thousands of other customers in the individual market. Twitter users are posting their ObamaCare cancellation notices and accompanying rate increases:

 

Linda Deright posted her letter from Regency of Washington state: "63 percent jump, old policy of 15 yrs. cancelled." Karen J. Dugan wrote: "Received same notice from Blue Shield CA for our small business. Driving into exchange and no info since online site is down." Chris Birk wrote: "Got notice from BCBS that my current health plan is not ACA compliant. New plan 2x as costly for worse coverage." Small-business owner Villi Wilson posted his letter from HMSA Blue Cross Blue Shield canceling his individual plan and added: "I thought Obama said if I like my health care plan I can keep my health care plan."

In fact, this even happened to one member of Congress.  U.S. Representative Cory Gardner had purchased health insurance on his own because he wanted to experience what his constituents were going through, and he recently got a letter informing him that his old plan had been "discontinued"...

"After my current plan is discontinued," he wrote last week, "the closest comparable plan through our current provider will cost over 100 percent more, going from roughly $650 a month to $1,480 per month." He now carries his ObamaCare cancellation notice with him as hardcore proof of the Democrats' ultimate deception.

Is this what Obama was talking about when he promised that we could keep our old health insurance plans if we were happy with them?

In the end, millions upon millions of us are going to get pushed on to the Obamacare health insurance exchanges.

We were promised that there would be lots of competition and that prices would be reasonable.

Unfortunately, in some areas of the country it turns out that the "exchanges" are turning out to be "monopolies" where consumers will only have one company to choose from...

“Although seven insurance companies currently operate in North Carolina, under the new Obamacare exchanges, those options will dwindle down to one in the majority of counties,” Ellmers said Thursday following the disclosure of figures by federal health officials showing that more than 60 percent of North Carolina counties will have only one insurance provider option under Obamacare: Blue Cross Blue Shield.

“The whole point of an online marketplace was to provide options, so North Carolinians could go online, compare prices, and choose plans from different companies. That is how competition is supposed to work!,” Ellmers said.

 

Beginning October 1 under Obamacare, Blue Cross Blue Shield will be the only health insurance provider serving the entire state of North Carolina in the new Obamacare exchanges, serving all 100 of the state’s counties. Its competitor Coventry Health Care, which is owned by Aetna, will only reach 39 counties.

That leaves 61 counties, or 61 percent of all the state’s counties, in a Blue Cross Blue Shield-only zone.

Not only that, but a lot of these exchanges are not even going to be ready to function properly on October 1st.  For example, according to the Washington Post, the D.C. "health marketplace" is a complete and total mess at this point...

Just days away from launch, the District of Columbia's health marketplace is announcing a pretty significant delay.

 

While the D.C. Health Link will launch a Web site on October 1, shoppers will not have access to the their premium prices until mid-November. The delay comes after the District marketplace discovered "a high error rate" in calculating the tax credits that low- and middle-income people will use to purchase insurance on the marketplace.

 

The insurance marketplaces, if working as plan, are supposed to spit out an estimate for a tax credit after a shopper enters in some basic information about where she lives and how much she earns. In the District, that won't happen next month. Instead, the eligibility determination will be made "off-line by experts" by early November.

So who is going to benefit from this new system?

Well, it turns out that the health insurance companies will greatly benefit.  Health insurance companies helped write Obamacare, and their stock prices have absolutely soared since Obamacare was signed into law.  If you doubt this, just check out the amazing charts in this article.

Not that they were hurting under the old system either.  They have been raking in gigantic mountains of cash for years while trying to provide as little health care as possible.  For much more on this, please see my previous article entitled "50 Signs That The U.S. Health Care System Is A Gigantic Money Making Scam".

For the rest of us, Obamacare is going to be even worse than the old system.  A 2013 Health Care Survey that polled 200 top health care professionals discovered the following about what they believe Obamacare will bring...

-- 53 percent, “Quality of health insurance policies will suffer.”

-- 51 percent, “Quality of care will go down.”

-- 49 percent, “The law is overly complicated.”

-- 42 percent, “Insurance exchanges will be poorly managed.”

-- 37 percent, “The law still allows insurance companies to be the middleman.”

-- 32 percent, “Too complex for businesses.”

-- 19 percent, “Americans will die earlier.”

So Americans are going to pay more, get worse care, have more paperwork and a more complicated system, and they are likely to die younger too?

Wow, that sounds like a great deal.

Where do we sign up?

 

 

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Sun, 09/29/2013 - 02:29 | 4002942 sessinpo
sessinpo's picture

Goodness.

You should follow your own post. AARP is a major beneficiary of ACA and I don't have to lower myself to your standard. I don't want to bother to insult you. You have already exposed yourself as a leftist that attacks others and is easily propagandized as you have proven with your post.

Sun, 09/29/2013 - 06:17 | 4003015 GetZeeGold
GetZeeGold's picture

 

 

AARP = Bolsheviks

Sun, 09/29/2013 - 12:26 | 4003460 presk_eel_pundit
presk_eel_pundit's picture

I'm more willing to trust AARP than a Republican or Democrat. I'm for a federal balanced budget amendment, demolishing the Dept. of Education, Energy, Agriculture, FEMA, and putting severe controls on the EPA, Homeland Security, the NSA, CIA, and FBI. I am for eliminating all political contributions by corporations, unions, PACs, etc., and putting a cap on individual donations at $100 per election or issue. I believe welfare recipients and politicians should be drug tested and a lifetime limit of four years of feeding out of the public trough. I believe that George W. Bush was a big spending liberal and a draft dodger and would have gone down as the worst President in history if Obama hadn't of come along. I voted for Gary Johnson for president in the last election. Yup, you're right. I guess I'm a leftist.

Our current healthcare system is a mess and there are only two ways to fix it. One, move everyone to a universal healthcare system, like every other developed country in the world, or two (which I prefer), get government out of healthcare completely. No Medicare or Medicaid, no employer tax deductions, employees claim employer provided healthcare as income, no research grants to hospitals and colleges, etc.

Mon, 09/30/2013 - 11:35 | 4005600 Thisson
Thisson's picture

FACT: AARP endorses UnitedHealthcare for the simple reason that it is paid to do so.  Moreover, the fact that UnitedHealthcare pays AARP for this endorsement makes the insurance more expensive for AARP's members!  AARP is not objective.  Think critically and think for yourself.

Sun, 09/29/2013 - 10:05 | 4003173 El Tuco
El Tuco's picture

Yeah, keep on believing that shit...

That's why DFW has more MRI machines then all of Canada...What did they have in Toronto a few years back? 6 of them for a city of millions? It was so bad the Toronto Maple Leafs had to buy their own....

Your a fucking idiot linking to that nonsense....must be a Obumer voter....

Sun, 09/29/2013 - 10:55 | 4003268 ATM
ATM's picture

The simple proof of what you are stating is US life expectancies.

Simply adjust life expectancies for death due to accidents of which Americans have far more thant eh rest of the world because we drive far more and for murders because we have far more inner city animals and US life expectancy is the highest in the world.

And we are fatter, lazier and all the rest of the shit that's supposed to kill us young but our health care keeps us alive.

http://www.aei.org/book/health/healthcare-reform/the-business-of-health/

Sun, 09/29/2013 - 11:31 | 4003353 Lost My Shorts
Lost My Shorts's picture

Someone's a fucking idiot, to be sure.

MRI is not inherently expensive.  It's expensive in the US because private equity greedbags and MD greedbags have taken over the industry, and there is endless amounts of price fixing, profiteering, and kickbacks.

I had a 20-minute MRI over here in Asia for less than $200, in a shiny GE machine.  It would have cost $2,500 in the US.

Sun, 09/29/2013 - 15:37 | 4003758 presk_eel_pundit
presk_eel_pundit's picture

Nope. Didn't vote for Obama or the Republican shit for brains.

Sun, 09/29/2013 - 17:38 | 4003995 Cindy_Dies_In_T...
Cindy_Dies_In_The_End's picture

U think AARP is more trustworthy than the Dems and Rs!  oh that's funny. You made my day. I hope Banzai memorializes your clowntard comment.

Mon, 09/30/2013 - 10:51 | 4005430 presk_eel_pundit
presk_eel_pundit's picture

The fact that you look at Banzai's bullshit says it all. Keep believing the crap spewing out of your heroes in Washington. Idiot.

Sun, 09/29/2013 - 08:40 | 4003104 Lost My Shorts
Lost My Shorts's picture

You are right, for those few lucky enough to have gold-plated health insurance, the US system is the best.  For the middle class, the US system is like the feast at the mansion which you can see through the window but can't join.

Did you ever think some people might like to have access to OK healthcare that wouldn't bankrupt them, rather than best-in-the-world care they can't afford and don't actually get?

All those medical tourists mentioned by the first guy are not getting care to US standards.  But they get plenty good care for 25% of the price.  I am an expat in Asia, and at the hospital I go to, the full cost of care is less than the copay under Obamacare gold.  No, it's not as good.  But I don't want to be bankrupt and in the street, OK?  Is that hard to understand?  I prefer what I have here.

Sun, 09/29/2013 - 22:26 | 4004570 boogerbently
boogerbently's picture

The folks who are getting the free stuff don't like the folks who are paying for the free stuff, because the folks who are paying for the free stuff can no longer afford to pay for both the free stuff and their own stuff.

 

And the folks who are paying for the free stuff want the free stuff to stop.

 

And the folks who are getting the free stuff want even more free stuff on top of the free stuff they are already getting!

 

Now... the people who are forcing the people who pay for the free stuff have told the people who are RECEIVING the free stuff that the people who are PAYING for the free stuff are being mean, prejudiced, and racist.

 

So... the people who are GETTING the free stuff have been convinced they need to hate the people who are paying for the free stuff by the people who are forcing some people to pay for their free stuff and giving them the free stuff in the first place.

 

We have let the free stuff giving go on for so long that there are now more people getting free stuff than paying for the free stuff.

 

Now understand this. All great democracies have committed financial suicide somewhere between 200 and 250 years after being founded. The reason?

 

The voters figured out they could vote themselves money from the treasury by electing people who promised to give them money from the treasury in exchange for electing them.

 

The United States officially became a Republic in 1776,236 years ago. The number of people now getting free stuff outnumbers the people paying for the free stuff. Failure to change that spells the end of the United States as we know it. 

Sun, 09/29/2013 - 08:34 | 4003100 Lost My Shorts
Lost My Shorts's picture

Actually not.  Employer-provided health care was started in the post-war period to head off the possibility of single-payer government healthcare like all the Euro-socialists were building.  It was the original divide and conquer of the people by the elites.  Offer gold-plated health care to a few privileged unions and government workers.  Bleep the rest of the people.  The bleeped segment will never have enough strength to change the system.  Brilliant !!  Alas, it unraveled when union membership declined, and poverty increased (creating an ever larger nothing-to-lose population who can collect quite a lot of care for free), and health care costs circled the moon, and government started going broke, etc.

Not to say Obamacare fixes anything.  I have always thought it was designed to blow up the existing system and usher in single-payer government healthcare.

Also, keep in mind that your beloved Kapitalists, those big companies, desperately don't want to pay for blue-collar employees' health care.  They continuously complain that it puts them at a disadvantage vs. foreign competitors.  Only for the few well-off knowledge worker types is your "lure the best" notion even slightly true.

How is it that everyone here at ZH vilifies government workers 24/7, and simultaneously defends their right to gold-plated health insurance while the rest of us are screwed?

Sun, 09/29/2013 - 10:20 | 4003193 nmewn
nmewn's picture

The much beloved "union leaders" only cared about sitting on their fat asses while stuffing their face with pasta and collecting dues from the blue collar man. Been there, done that. You know it and I know it.

And what is this "right" to anothers labor you're yacking about? The doctor is forced to work for whatever someone is willing to pay him because that someone called it a "right" to his labor and that he must accept less? Or what, they going to stone him to death?

If you're going to extort him he will decline to be fleeced at some point. Just like the decline in union membership.

The only thing we agree on is this, ObamaCare was in fact designed to blow up the current system.

And (this is an important component) oppose any other alternative system from being considered...to usher in single payer in the future. Obama already said thats what they wanted years ago...he's a socialist and again, all socialists are fascists whether they want to admit it or not.

So lets give the last extorted taxpayer dollar to some corporation building a new "green car" for the masses, its what the socialists clamor for or some other corporation building on eighteenth century technology like windmills or build up a network of spying on each other and a system to easily rat out your neighbor to the federalis and then, after all that, lets admit, at least to ourselves, what this thing really is. 

Sun, 09/29/2013 - 10:32 | 4003217 Lost My Shorts
Lost My Shorts's picture

It's true that American doctors have been greedbags for so long that not being able to bankrup their patients at will seems like socialism, but the socialized medicine countries (Europe, Israel) produce a surplus of doctors who go all over the world looking for work.  It's not true that no one will be a doctor unless they can be rich.

It's also not true that the dems refused to allow any other option to be considered.  They wanted a public option (essentially you can buy medicare), which could have stood on its own without all of the other unwieldy mess of Obamacare, but the insurance industry lobbyists and their republican friends and Joe Lieberman, senator from Aetna squashed the public option.

Sun, 09/29/2013 - 16:20 | 4003835 object_orient
object_orient's picture

The healthcare lobby dollars flow freely to Democrats also. I doubt Obama lost any sleep after losing the public option.

Sun, 09/29/2013 - 10:58 | 4003275 ATM
ATM's picture

It was not started to lure people to work. It was created by government through the tax code. 

That meddling in the normal market function of pay for work has created many of the issues we now deal with in health care, most notably the pre-existing condition bullshit and loss of insurance when you leave work, change kobs, etc. 

Sun, 09/29/2013 - 17:39 | 4003997 Cindy_Dies_In_T...
Cindy_Dies_In_The_End's picture

Because letting the same guy who wanted to invade Syria impose his health plan on us, is ALWAYS a fucktastic idea...

Sun, 09/29/2013 - 09:18 | 4003147 granolageek
granolageek's picture

Jee-zus. Karl Lueger was a Christian Democrat, who was also an anti semite, scarcely a badge of distinction among 19th century germanophones.

 

Regarding a christian democrat as a dangerous radical says far more about you and the Hapsburgs than it does about him. In case you hadn't noticed, the Bavarian branch of the Christian Democrats is _still_ called the Christian _Social_ Union.

Sun, 09/29/2013 - 03:59 | 4002988 FreedomGuy
FreedomGuy's picture

Both have the same root and autocratic powerful central governments. This is the most important point about the two. The difference is that fascism or national socialism was a tad smarter in that it had some free markets although always under government supervision. That is roughly what we have today in the West. We have powerful central governments which can and do legally run anything they chose.

Sun, 09/29/2013 - 07:47 | 4003069 GCT
GCT's picture

Spot on nmewn +100.  Everything these days the government both local and federal is about compassion, children, and women.  What a bunch of horseshit.  Last week we had yet another vote to raise the property tax, on a Tuesday with just signs posted in strategic locations.  The TV had all types of advertisements about how it is all about the children and we need more money to pay for the teachers increase in healthcare costs.  The poor, poor, teachers!  Heaven forbid they have to use some of their own salary to pay for the increase like we in the private sector do.  Long story short we got out the vote for a change and it did not pass.

The local newspaper posted the results on the back page of the newspaper in a little itty bitty article.  Meanwhile the other item that passed was on the front page.  If I had my way only property owners would be allowed to vote to raise their property taxes.   

Sun, 09/29/2013 - 07:52 | 4003070 Singelguy
Singelguy's picture

If I knew the government could provide an efficient and honest health care service, I would probably pay more tax too. But everything the government touches turns to shit because the programs are administered by bureaucrats who have no real world experience and even if they do, the corrupt elected politicians force rule changes on them to line their own pockets and their cronies pockets. So NO, I do not prefer to pay more tax. I prefer that the government get the hell out of the health care business altogether and let the free market determine what the costs should be. If you think insurance costs are too high then you should have the right to opt out. At the same time, if you have no insurance and lack the ability to pay, no hospital should be forced to provide you with treatment either. With freedom comes responsibility.

Sun, 09/29/2013 - 12:40 | 4003491 11b40
11b40's picture

Single payer medicare works fine......FAR better than the private, for-profit system most suffer under today.  

Sun, 09/29/2013 - 16:12 | 4003825 NidStyles
NidStyles's picture

Except the one today isn't private.

Sun, 09/29/2013 - 16:22 | 4003840 object_orient
object_orient's picture

What part of the health insurance market isn't private?

Sun, 09/29/2013 - 19:18 | 4004163 NidStyles
NidStyles's picture

Corporations are not private, they have publically financed liability protections. Additionally, They are all publically held corporations. 

Sun, 09/29/2013 - 11:03 | 4003287 ATM
ATM's picture

"and have a free health service for everyone"

 

Hey cocksucker, it ain't FREE. 

Sun, 10/06/2013 - 12:20 | 4027660 MummyFunster
MummyFunster's picture

I conceed.  It ain't free.  There I was thinking it cost literally nothing!!! Silly me.  I should be birched at dawn.  Thanks for pointing that out in such an eloquent way.

Sun, 09/29/2013 - 18:04 | 4004036 sunnyside
sunnyside's picture

Skin color is a shitty reason to vote for someone.

Sun, 09/29/2013 - 07:56 | 4003072 Singelguy
Singelguy's picture

Correct, when the single payer system arrives, it will bankrupt the government, if it isn't bankrupt already at that point.

Sun, 09/29/2013 - 14:11 | 4003648 object_orient
object_orient's picture

Why do people keep saying this when the evidence contradicts it?

"So who is going to benefit from this new system? Well, it turns out that the health insurance companies will greatly benefit.  Health insurance companies helped write Obamacare, and their stock prices have absolutely soared since Obamacare was signed into law."

And now the big insurers are dividing up markets to create monopolies and avoid price competition. Same as it ever was.

 

Sun, 09/29/2013 - 12:45 | 4003503 NihilistZero
NihilistZero's picture

Government isn't the referee, it's the evil game master who works for a specific group of players constantly changing the rules to benefit them.  Government also forces you to play the game whether you want to or not.  With that said, I support universal medicare paid for by these oligarch cocksuckers who have forced me into this rigged game.  Where my earned wealth is stolen everyday through inflation.  Let them consider is protection money that keeps me and other like minded individuals from paying them a most unpleasant visit on some dark night...

Sun, 09/29/2013 - 07:59 | 4003074 Singelguy
Singelguy's picture

As Rohm Emmanuel said, Never let a good crisis go to waste!

Sun, 09/29/2013 - 02:39 | 4002953 sessinpo
sessinpo's picture

sunkeye  "Uh I fucked up ... meant "get the employer out of health care.

Bong 1, Logic 0"

 

Comment

I'll be the bastard and say. Do all us actual "real" tax payers a favor (yes I actually write a check to the government each year after having sent them money during the year). Put down the bong and go ahead with the hard stuff. Overdose on Heroin and save us some money. You fucked up in more ways then you realize yet.

Sun, 09/29/2013 - 09:03 | 4003127 Yellowhoard
Yellowhoard's picture

"Actually there is a 2nd reason - the dude won re-election. To the victors go the spolis sort of thing."

I'm with you.

Remember when Hitler was democratically elected, well a lot of people weren't all too happy about that either, but Germany gave it a try and everything worked out super awesome.

These people who protest against a democratically elected ruler should be put into camps where they can work and be re educated so they don't speak their minds anymore.

Sun, 09/29/2013 - 12:53 | 4003523 11b40
11b40's picture

When you need to resort to the Hitler reference, you have already lost the argument.

Sun, 09/29/2013 - 14:51 | 4003686 Tijuana Donkey Show
Tijuana Donkey Show's picture

That's simplifying it a bit. He had some "terrorism" incidents where he needed "more power, and less rights," before he got all super murder-ery. http://en.wikipedia.org/wiki/Reichstag_fire

History doesn't repeat, but it does rhyme,

Sun, 09/29/2013 - 03:27 | 4002972 ebworthen
ebworthen's picture

Agreed.  +1

Sun, 09/29/2013 - 08:02 | 4003077 Singelguy
Singelguy's picture

But, but Pelosi said, we have to pass it before we can see what's in it!

Sun, 09/29/2013 - 12:05 | 4003418 sethstorm
sethstorm's picture

Thank Art Pope and all the resurgence of the Old South.

 

Sun, 09/29/2013 - 12:58 | 4003534 11b40
11b40's picture

Yep...triple screwed in NC.  Even worse now than us ignorant twits in SC.

Sun, 09/29/2013 - 13:17 | 4003563 11b40
11b40's picture

I guess it's too bad that Romney didn't get elected.  Then, we could have Roneycare and all would be swell with the world.  Ted Cruz would even be for it!

Most of the loudmouths in the comments section don't care to remember that the outline for the ACA came from Romneycare, which in turn came from a Heritage Foundation research group.

The Massachusetts Health Care Law was based on Conservative Ideas to take the ‘burden‘ off of the tax payer and put Health Insurance back in the Private Market.

The plan was based on the Heritage Foundations ideals (which Newt Gingrich was a part of) and they praised it.  Newt Gingrich defended it too:  Here and Here.

If you are not familiar with the Heritage Foundation, they are a Conservative think tank and very highly regarded by the Republican base.

In 2006:  The Heritage Foundation said this about RomneyCare -  “…one that’s clearly consistent with conservative values.”

They also said this about RomneyCare:  “Those who want to create a consumer-based health system and deregulate health insurance should view Romney’s plan as one of the most promising strategies out there.”

They further said this“Innovative mechanism to promote real consumer choice.”

Sun, 09/29/2013 - 14:33 | 4003673 object_orient
object_orient's picture

High deductible plans are becoming extinct under Obamacare though, right? It's highly likely your plan will be cancelled and the alternative will be much more expensive.

Sun, 09/29/2013 - 14:39 | 4003678 object_orient
object_orient's picture

Why "rightfully thwarted"? Corporations have the freedom to move abroad to cut costs but individuals don't?

If medical tourism is outlawed (I don't see how) then why wouldn't regular tourism be outlawed? It's the same rationale.

Sun, 09/29/2013 - 13:25 | 4003584 11b40
11b40's picture

Wow.  Excuuuuse me!  Here 10 whole weeks and already runing the place.  How about giving us a list of who is approved for ZH and who is not.

Once upon a time, there was a test you had to pass to be able to post.  The conversation was much more enlightening then.  Bring back the math test, Tylers!

If you stick around long enough, you will figure out who the trolls are.

Sun, 09/29/2013 - 14:49 | 4003684 object_orient
object_orient's picture

 "Then crack down on those employers and the insurance companies that cause these unfounded increases - until they comply."

Crack down on what? Comply with what? Did you consider that the employers and insurance companies aren't breaking any laws?

 

"Close the loophole by redefining full-time as instantaneous and as the only tier of employment possible."

So someone working 3 hours a week must be provided company healthcare? Say goodbye to employees and hello to independent contractors.

 

FYI: Trader Joe's is non-union yet pays its employees above-average wages. They stuck with part-time healthcare plans much longer than most employers, until Obamacare created incentives too strong to resist.

Sun, 09/29/2013 - 07:32 | 4003056 laomei
laomei's picture

No, you see some people are actually fucking retards.

Sun, 09/29/2013 - 09:12 | 4003141 Papasmurf
Papasmurf's picture

 

As A Result Of Obamacare, Employer-Based Health Insurance Is Becoming Extinct

That was the intent.

Sun, 09/29/2013 - 10:37 | 4003228 FreeNewEnergy
FreeNewEnergy's picture

OK, I'm sold on this POS. Just checked with the new "exchange" in NY. I'm single, male, 59, smoker, with no coverage at present, no existing conditions (except that I hate government, if that counts), self-employed.

I am being offered two plans: One is $1333 a month, the other $1100 a month. High deductibles, blah, blah. Point is, I haven't been to a doctor since 1997, don't plan on doing so because I grow my own non-GMO vegetables, eat well, exercise regularly, roll my own cigarettes from my own home-grown tobacco, am at the lightest weight I've been since high school (yeah, 42 years ago) and am in better health than 80-90% of my peers, even the ones who don't smoke.

Since I don't even make enough to even consider shelling out $1100 a month for something I'm not going to use, because I hate fucking moron doctors, I'll take my fucking chances, OK.

If Americans were a little bit brighter (well, a lot brighter), they would have rejected the whole idea of socialized medicine, health care insurance and all this crap years and years ago. Doctors could and would continue to make good livings and health care costs would be lower. All those indigent folks who are on the dole can go through Medicaid or fucking die, OK?

And if I get really sick and have a maybe terminal condition, I'll gladly just kick it rather than live the rest of my life suffering through shitty hospital care and paying with every last penny I own, and they won't get my silver either, the fuckers.

Sun, 09/29/2013 - 18:30 | 4004073 sunnyside
sunnyside's picture

I agree with a lot of what you say here.  I do carry a high deductible policy and like it.  I take umbrage to the idea of being forced to do anything.  If my policy is deleted, it seems that they are telling me as self employed to get on the exchange and then get the subsidy.  I don't want the fucking subsidy and be part of the free shit army, but probably can't afford the lower tier plans.   Actual health care costs won't come down until the people getting the service have to pay something for them and have some skin in the game.

It seems obvious to me that this is just a step to single payer and they want us all to be beholden to the government making personal decsions for us.  It is past time to fight.  How do we that want to organize (both non-violently and violently) do such, more than venting on a message board?   

Sun, 09/29/2013 - 11:14 | 4003314 SuccorMoney
SuccorMoney's picture

So  U.S. Representative Cory Gardner went out and purchased a plan he knew wouldn't qualify for Obamacare, then he grandstanded about it being cancelled.  That's not news.

Sun, 09/29/2013 - 15:09 | 4003711 object_orient
object_orient's picture

Maybe so, but didn't Obama say something like "If you like your current plan, you can keep it." I know politicians lie constantly, but I still find it satisfying when they're called on it.

Sun, 09/29/2013 - 12:29 | 4003465 batterycharged
batterycharged's picture

"making employer based health care extinct"

That's cool with me. It should be cool with all you "free marketeers" as well.

Nothing has distorted the health care industry like the blank-check, no-accountability insurance-drive system we have now.

Employer-based health care is what has fucked us over.

If you don't have have employer-based health insurance, you're fucked. You can't go into a doctor's office and say "how much for a blood test".

I love you guys on this site, you're no different than the person that says "keep the gov't away from my medicaid!". 

Sun, 09/29/2013 - 13:28 | 4003587 sethstorm
sethstorm's picture

The problem with your solution is that it encourages corner cutting in a field that has no room for it.

Sun, 09/29/2013 - 13:55 | 4003620 11b40
11b40's picture

Someone who gets it.  The roots of "Obamacare" can be traced directly to The Heritage Foundation, headed by that ultra-libtard, Jim DeMint.  If it had been named Ronmeycare, the Repubtards would be drooling over it.

Having been a small business owner, and having provided healthcare to employees for 35 years, I know more about it than most.  From the perspective of this business owner, I would prefer not to be burdened with the decision to provide, or not provide, period.  Single-payer, a la medicare would be fine.  That is the lowest cost delivery system, by a wide margin, and would go a long way toward leveling the playing field from a competition perspective.

It beats me as to why so many here want to defend the bloated, corrupt, wildly expensive, and out of control system we currently have.  The fact is, we all pay for it.  It may be through increasing insurance rates, or tax levies, but anyone who shows up at the hospital gets treated.  The only questions, based on that fact, should be how do we provide the best care at the lowest price.  Hint....it ain't the way we are doing it now.

Mon, 09/30/2013 - 11:57 | 4005675 Thisson
Thisson's picture

No - the cheapest method of delivery would be a cash-based system where you pay cash out of pocket for the services you need, and a free-market for insurance products to cover catastrophic illnesses. 

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