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One Reader's Shocked Response Upon Learning His Health Insurance Cost Just Doubled
From a reader
ZH:
My wife and I own a small business and we had previously (in 2013) been buying health insurance on our own for ourselves and our two kids. The cost was about six hundred per month with a $5200 deductible, $6800 total out of pocket exposure for the family of four.
After spending months trying to register for the ACA in late 2013 and early 2014 my kids got put on our state's insurance (at "no cost") and my wife and I bagged an ACA policy at a subsidized cost of $281 per month with a total out of pocket of about $6500 (just for the two of us).
Attached is the ACA notification of next year's price increase. As you can see the cost goes from $281 to $555, a monthly increase of $274, a percentage increase of 97%.
Basically we are now paying the same amount for the two of us that we paid for all four of us one year ago.
How can that increase occur in a "free market" economy? Did I miss something? Has some input cost leaped exponentially in order to double the price I pay? Or has private industry colluded with government to rig the markets (again) in their favor?
How much longer will the American people allow corporations to rip them off in collusion with the government? Fuck this bogus economy and government captured by corporations. Where is the leader who will rise up from the masses and snuff out the corp/govt nexus before it imprisons us all in debt serfdom police state?
Do you think for one minute that freaking Mitch McConnell, Harry Reid, Nancy Pelosi, John Boehner or anyone newly elected or previously elected cares one shit about my wife and kids or what we pay for crappy health care that we cannot afford to access due to high deductibles? Those fucks cannot see beyond the next donor phone call, and only come clucking out of the hen house in order to give voice to the latest party certified political meme, be it 'freedom', 'liberty', 'security" or some other hollowed out focus group tested bullshit sound bite.
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Or hospitals that double as book depositories!
You're a fucking idiot.
Dear Reader who sent this in,
It would be everybody's interest if you also wrote this letter to non-ZH media outlets. Hedgers will already know we're being fleeced. Get it out and about.
MORE! MORE!
This is the hilarious part I have been waiting for.
And I can tell this mofo voted for it.
Best Health Insurance? Prevention.
Fresh, pure: water, air and food.
Grow and eat your own organic food when not shopping at a wholesome healthfood store.
Exercise every day.
Stay away from big cities, big crowds, big egos.
Get deep rest; your day starts the night before.
Stay out of debt.
Keep it simple.
Tame the Mind.
All the information for keeping healthy is on the internet. I have managed not get sick for the last 3 years without the flu vaccine for the last 2. I have also shed 20 lbs. Fucking retarded government.
And don't get t-boned by your drunk neighbor!
Or fuck his fat wife.
All kidding aside, Republicans have said all along they are going to repeal Obamacare and let the free market work.
Republicans stated they now have the numbers to do so.
I bet they punk the constituents.
RE
I bet they punk the constituents.
They will, especially considering that the ACA was a genesis of the Heritage Foundation's idea.
Surreal.
Republicans will go along with legalizing the illegal ones too.
Where’s Ron Paul with the ‘Contract on America’?
You are correct, as the Republican votes to repeal were mainly an electoral strategy much like the Democrats "opposition" to the Iraq war than won them many seats in '06 and '08 as well as the presidency in '08. The faux left/right divide is part of what keeps the system in place.
You guys are being played by the two party system. The minute you said "The Republicans have said . . . " you lost me.
Just imagine George Bush is leading the Republicans again, this is who you are voting for. After George W Bush has fucked things up again, you get to vote Obama back in. This is the only way to see the futility of the two parties.
The US has long past integrity of the political system an now it's every man for himself.
The goal is a net savings rate of zero. This maintains GDP where they want it, capital remains in the hands who are supposed to hold it, and your sorry ass is completely and totally dependent on government when your body is to broken and worn down to participate any longer.
In the olden days grandma would poison granddad when the time came.
In the olden days the eldest son would sneak up on granny and whack her in the back of the skull with a river stone. Bloop.
Uncles ‘fell off’ the transportation.
Aunts were snuffed out while giving birth.
Unwanted children were suffocated (SIDS) then tossed into the Franklin stove.
I like it!
Isn't fun to reminisce about the old time health care system. Those were the good old days.
RE
Bingo
I had a premium in MA jump from $127 on year to $260 the next. And this from age 26 to 27!
This is really risky, but what I've done since 2009 is to just clean up my act. Primarily with eating healthy foods, maintaining a Vitamin D3 level of 85, exercise and low stress.
I had two cancers, one in 2004 the second in 2006, with first individual health insurance and then employer sponsored health insurance. With both types of insurance they covered the bills. I am not one of Michael Moore’s “victims.”
My point? I am 60 years old and currently have no health insurance. I did have an individual policy until December 2013, when it was cancelled. And I will not pay any tax for 2014 for not having insurance because I do not have a tax refund.
I do not want this “health insurance” anyway. Which is really “medical insurance.” I do not want their “medical care.”
I choose to promote my own health, as I am actively doing.
If you have income, you will pay a penalty for not having health insurance. Whether you get a refund or not doesn't matter. Thought I'd give you a heads up, because come April the IRS will not care that you didn't know.
No, I won't.
Google it.
There is an exemption if your religion forbids it.
Let's start the ZH Zorastrian Vulture Culture Religion.
Feel free to rip off this idea and implement it under any title you prefer.
There's a lot of customers out there.
Last great industry of the US.
BULLISH!
I do like Mary Baker Eddy and the Church of Christ, Scientist.
At least it aligns with some of my beliefs.
Perhaps some of you need convert to Christian Science.
Even atheists need not worry themselves. They can justify that under their relative morality system...
But I will not do that. However it may be an alternative for some.
Most people in the world have no onsurance or medical coverage either and the world keeps spinning.
I agree with most comments here on what's behind the ACA, the politics and corporatism, etc., but it is what is. I suggest the author and anyone else hit by huge premium increases to shop around for a different company. Just like home and auto, they will jack it up on you if you don't switch sometimes.
As for me and any other corporate drones contemplating early retirement I suggest deferring as little income as possible, take more cash and pay more tax on it now. Upon early retirement, draw no more than 138% of poverty level from 401(k)'s and IRA's and go on Medicaid as the ACA removed asset limits for it. More doctors than the corporate MSM lead you to believe take Medicaid, with little or no out-of-pocket expense. However, if you live or remain in a red state you may be SOL.
It's ok to complain, but I've seen too many people spend all their time angry and complaining rather than educating themselves on how to survive in this brutal system of ours.
Congratulations! You've just been "Corn-Holed" by the "Gay Prince" (AKA, Barry Soetoro)
The answer is "both".
Dear Sucker who signed up for Obamacare,
You've just been "Grubered".
Enjoy idiot.
"How much longer will the American people allow corporations to rip them off in collusion with the government?"
The .GOV sanctioned Rip-Off has been going strong for over 100 years so don't hold your breath on any change. Repealing Obamacare will not make a difference - every Act since 1913 including Constitutional Amendments will need to be repealed to return to any real freedom.
I know we are getting it in the rear with health insurance but how many have received regular increases in their home insurance? Mine goes up about $200 a year and they say it is because of flooding here and there or fires, or what ever.
I suggest you shop for a new insurance company...my policy hasn't gone up in years.
This is the future you chose.
You think his story is sad - I just paid $450 per tire for my 600hp SUV and my Patek Philippe needs a 5 year overhaul. Club dues are $15,000 and private school is on top of property taxes. Today my tailor told me that Brioni is increasing prices on suits another 20%. The good news is I have 4 million new potential housekeepers and gardeners to choose from after amnesty. Thank you President Osama.
Premiums popped faster than you can get yo gov cheese......
http://www.youtube.com/watch?v=DDZBzvTDhGU
Time for a couple hundred million other people to get this pissed off.
Pissed off at who? Obummer has divided us against each other - black, brown, yellow, white, - rich, poor, - rural, urban, - old, young, - white collar, blue collar (not many of these left) - and the list goes on. The TEA party folks tried to get average Americans to unite in a common cause but they were smeared as radical by the lib media and the 40% gov freeby suckers supported it - thus Asshole elected again.
LMFAO The only uniting I seen the TEA party doing was crawling up the republicrats asses. And if you think thats a good thing you must really like the way things are now. What you going to say in 4 years about the worthless csuckers being in control of both houses and not changing a damned thing for the better?
Will someone please refer this unfortunate stiff to "Gruber" videos?
I seriously doubt he could be shocked as to the rise in cost if he is a regualr reader.
We have been saying what would happen after this shit got passed for so long that Gruber makes us all look like prophets.
Basically.....you are fucked. And next year, you will be fucked harder. And so on. Google "employer mandate, cadillac tax, etc.)
The well have to pay for the sick (and the poor, irresponsible, illegals, etc.).
Congrats. You are now a compassionate liberal.
Now pay the fuck up.
Buy some lube and just sit back and enjoy it. That's what I always say.
look at our shocked face.......
I retired last year. My wife and I I had so-so health insurance through our jobs. We paid $200 apiece a month. He's complaining about $555. What rock has he been living under?
How can that increase occur in a "free market" economy? Where the fuck have you been hiding; free market economy? This is socialism, pure and simple, and so what if your costs go up? It isn't "fair" that you had health insurance when somebody else didn't, so you have to pay baby. Welcome to the United States of Detroit, where President Chalky Chavez Goebbels attempts to run your life because he and Gruber know what's best for you [you stupid fucking rube!].
www.traderzoo.mobi
The best Congress money can buy has its OWN health care plan so Cadillac they had to change the definition of Cadillac - like when Gruber was working on it. Impeach these fux! Starting with the big 0 as in zero
Has Obama ever been directly questioned about these skyrocketing health care premiums for so many people?
I don't understand how all these diehard Obama supporters can rationalize this.
You make the dangerous assumption that they employ rational thought.
I am an ex-patriot living in Canada at the 'moment'. I pay for a family of 4, my wife and two kids, it is less than $400. a month for the entire family and covers everything, no extra charges for hospital care. I do have extended benefits built into the $400 a month I already pay and I pay no extra costs for prescription meds, eye care and glasses, upto $5000 a year for dental care. My daughter broke her arm this summer, I took her to the emergency room at our local hospital, x-rays, casting, the doctors and follow up visits cost me nothing extra. The doctors are good, our family doctor is great, the service at the local hospitals is good and I don't have anything to bitch about.
yea, but you are a communist or some other -ist.
A lucky-ist.
When you need major surgery then you'll find a 6 month wait.
Bullshit!
OH NOOOO! Isn't that some from of evil Socialism. American don't want to hear about a system like that. Something that is low cost and very efficient and works for everyone. They would much rather be able to bitch and moan about Obamacare and dream of returning to a mythical time when the free market sets rates. There is real competition between insurance companies and rate are really low. You know, a real capitalist utopian fantasy land.
What % do you pay in income taxes?
Oh boy, 2015 is going to be so much more fun than 2014.
Do not worry. The Republicans will save you.
They will vote to delay the Employer Mandate and appear as the heroes which...THEY ARE NOT.
And the Government is going to stick it so deep up your arse and you will like it and beg for MOAR. They will pull a train on everybody's arse. They will not be so inclined to even give you the obligatory reach around (Thank you Sgt. Gunney)
Yeah...Right...Real Fun...Yeah...Right...Can hardly wait...
It's starting to be a hefty Stamp Tax, no? Time to throw some health insurannce execs into Boston Harbor.
Just go without insurance. Why fork over $7k? It's a monthly expiring put option on your health. It is the most expensive way to procure healthcare services. The worst bill you'll get from a hospital is like $40k. Tell them you have no money to pay them.
Or pay them with the money you've saved from not buying the put option. In 3 years, you'll be able to self-insure.
If you get cancer, then get insurance. They can't deny you. Until then, you're fine.
common core math applied as reality. .... if ten people split the cost of an item costing 30 dollars, how much does each person save if 5 more people are added to share the cost. the answer is close to ten dollars but never less than 5 dollars and if you don't like that answer and refuse to participate you are a criminal and probably a tttttuuuuurrrrrriiiiissssstttttt needing to be massaged on a waterboard in a camp of your choice of one.
How can that increase occur in a "free market" economy? Did I miss something?
You sure did. The part where we became a Socialist workers' paradise. Welcome, Comrade!
Is this the "Take It Up The Ass" Plan?...
We refer to it as the daily diagnostic procedure. Kind of like checking the oil.
As they say..."You might feel some discomfort."
"Bend over and spread them cheeks wide. Here it comes..."
Humana is raising rates all around the country. In Illinois, many midsized firms are or already have dumping them...
I'm very happy to cover the healthcare expenses for all those wastrels who neither have jobs nor the self-control to stay off drugs and practice safe sex. Hell, if that healthcare keep them alive another few years, they might squeeze out a few more babies that require life-long State support. We can only hope.
You're a great American. *salute*
'Democratic Plurality: just another double`ententre for monopolistic-political-secularism...`Fascism!'
Please realize that Obi1 did nothing during his first year and a half except for invading AfPak, Period!
He passed off his ObamaCare to his politically connected shylocks, whom parsed out billions in graduitous Gov't HC and RX Contracts. Which btw, paid fabulously into campaign funding via PAC's & K-Street opportunist, rather than following the tried-and-true, Social Secuity Medicare Plan.
jmo
fascism.
The collusion and merger of corporate and government interests.
Banks. Insurance. Prison. War. Education. Media.
Frankly at this point there is no reason to abide by any law or pay any tax.
Neither the mega-corporations nor the state wonks give a care about rule of law and living within your means.
Laws, rules and the courts are for the little people.
Just print money and run.
The only folks that have not yet gotten the memo are the security staters thinking they are toiling away for truth, justice and the American way.
How could anyone wear a federal badge, read the paper daily and believe that your supervisors, managers and controllers in Washington DC give two fucks about cases being made in the field. How many wanton crimes and willful negligence have been perpetrated by both parties across decades?
The US is importing Mexican justice and Chinese political games in order to build a wilderness of chaos and oppression.
America was.
Amen.
This sad nutsack (who by the way is milking the .gov tit) has the nerve to complain about his premiums going up while he sticks his kids with taxpayer funded healthcare. What an ass. And a coward who wouldn't leave a name so I knew who to rip apart in the comments section for being such a douchebag hypocrite.
Like Ayn Rand collecting SS.
If SS is not bankrupt by the time I retire, I plan on collecting it for as long as I keep breathing. I've been forced to pay into it for 40 years now.
If at any time, however, the Federal Goverment wants to offer me a lump-sum payout plus interest, I'll take that as long as I no longer have to contribute into the system.
Last I heard, stealing is a crime. If you make a law to steal from citizens, you are guilty of stealing, whether you have a law supporting you or not.
What good is insurance with those kinds of deductibles and premiums which are causing people to get sick from the stress of paying the stupid things?
I am all for helping those out who try but cannot find work or are physically or mentally incapable of making enough to survive in a dignified manner.
I am against having people steal from me to support wars in foreign lands against people who I do not know.
I am against corporate monopolies support by government in keeping their monopolies.
I am against government bail outs.
I would like small business and farmers to make a come back.
I am against paying money to spy on me.
I do not think violence is the answer.
I do think passive resistance in large numbers will turn this around.
I believe too many people are too scared to participate in passive resistance. I say this from experience after going public decades ago, having my picture plastered in newspapers and the news media questioning me and me being made out to be some half wit radical, when I objected to Canada borrowing $75 Million from Japan and giving it to India for 'humanitarian' purposes. I have no trouble with 'humanitarian' purposes as I knew people were starving over there, however the $75 Million went toward the construction of an atomic weapon, not for food. That is when I drew the line and advertised I would no longer be responsible for any further debts incurred by any government in Canada. People used to come up to me and say it was about time somebody did something.
In the end I stood alone.
If it ever came down to doing something that mattered, such as saying no to .gov, I am confident most of the people commenting here would quietly disappear. That is the way it is. They are scared to lose what they have.
Amen 100%. I want it to end, all of it to end (That sounds suicidal), I don't want money I earned (directly, indirectly or otherwise) to go towards bombing people in faraway countries to keep a few weaponmakers rich. I don't want money I earned to go towards keeping an eye on the rest of us. At least 90% of what I understand as tax revenue is unfatomable to me, bullshit to keep a system of death destruction and disfunction alive. What possible reason would I have to support it?
Legally (Dubiously so, an argument for another day) I am supposed to "support it" with my money. Well money is a fiction too, a figment of a figment of something that used to mean something and that everybody still tells you means something.
You want to get out? No money, at least the way it is understood now. Any other answer is BS.
Are you ready for that? Seriously? Because I am..
Fascism and Corpgov Oligarch rule really sucks.
Point taken. But what did you think you were buying? Was this the end of the yellow brick road for you?
The problem with socialism is that you always run out of other people's money.
Now you know too. Boo!
in the end
CALM DOWN PEOPLE!!!
Obamacare covers full rectal reconstruction
You will all be fine
An ACA compliant policy will also cover sexual reassignment surgery.
What probably happened is that the household income for this family was lower last year (their premiums were subsidized.) Their income probably went up this year, above the subsidy level, and their premiums are no longer subsidized.
BTW, for the record, i hate Ocare. But that is probably what happened to this family.
Reminds me of this joke...
A man goes into the hospital for a vasectomy. Before the procedure, a rather attractive nurse comes in and takes his vitals, then tells him to take all of his clothes off. When he is fully undressed, she instructs him to lie down on the table. The man obeys.
The nurse then takes all of her clothes off and climbs on top and has her way with him. Upon the completion of the act, the man catches his breath and asks what that was all about.
The nurse informs the patient that studies have shown that before a vasectomy, if the man has an ejaculation, he will be more relaxed and that the vasectomy is easier for the surgeon to complete.
The nurse then wheels the patient to the operating room. While they are going down the hall, the patient sees six men in a room masturbating. Curious, the man asks “What are they doing in there?”
The nurse responds, “They’re getting vasectomies too, but you have Blue Cross and they have Obama Care.”
Lets put it this way, anytime you open a bill in the mail.
Prepare to be shocked at this point.
Doesn't matter what it is... insurance bill , your credit card bill after shopping for groceries . . . , your electric bill,
You name it
Obama and his puppet masters made it double.
Go to any wholesale food place.... everything costs twice as much, and you get half what you used to , unless you just fill your trunk with oatmeal and eggs.
You go to refinance your mortgage and somehow after its all said and done, your monthly payments endup going UP... lol
You can't win
The game is rigged.
They just want you to go broke so they can take your shit.
Thats where we are at.
The country is lost.... foreign banks and fraudulent insurance companies . . . pretty much took it over.
The health care cartel does not care if you don't like the rates and neither does government or the insurance industry. If you don't want to pay cartel pricing you can go elsewhere. In CANADA we have universal health care
with requisite wait times that keep increasing. People die waiting for health care in CANADA and government are not funding health care as they should be funding it. No health care system in the world actually works well
and if you cannot afford health care you should plan on not getting sick, SUCKERS.
Problem is, for a lot of things, you can't go elsewhere, take workmans comp for example . . . there is no competition its a monopoly, they just keep jacking the rate up 5~20% at a time (doesn't even make sense) they just increase it as much as possible, really . . . it's a complete scam.
They have wiped out their competition, and then they have made it illegal not to buy their fraudulent garbage.
It's like Ayan Rands Atlas Shrugged, the trains are crashing but its illegal not to show up to work and drive the train lol. . . its complete madness.
'No health care system in the world actually works well'
Actually I kind of like the Australian one,I pay $140 a month and I'm covered for just about everything, deductible $500 for any serious op, Has a huge Dental component, which is why its quite pricy, I have bad teeth, the $500 deductable does not apply to dental work, I can have a couple of crowns a year and I'll probably only be out of pocket $200 dollars.
A mate of mine just had both knees reconstructed, cost to him zero dollars and that includes all the physio afterwards.
The free healthcare is very good as well, people complain about it, but its universal here and I have lived in NZ where the free healthcare is a lot worse. Aussies are just very spoiled and used to the good life, cant blame them though, it is good here.
Nothing is "free", you dope. You are getting reamed out by taxes, inflation, and bureaucratic inefficiency for that "free" healthcare. Just because you are too stupid to notice it, doesn't mean it isn't happening.
LOL, yo Dopey, you are getting reamed out for taxes, inflation and bureaucratic inefficiency regardless of where you live AND your probably paying for private healthcare on top of that, that's how life is, just because your too stupid to realise what everybody else knows doesn't mean its not happening.
There fixed it for you.
I live in Canada. Wait times for most surgeries have been falling, not rising. Is our system as good as the US's USED TO BE (if you had coverage)? No. However, I spent a year working for Blue Cross in Detroit back in the 90's; this is what I learned:
I don't think the ACA is a good thing at all - it's another example of crony-socialism. It's going to raise costs and reduce services, neither of which is good.
Canada's system isn't perfect by any means, but if I had to choose between it and the ACA? It's Canada all the way baby!
@FrankDrakman: Frank, it's worse that you think.
The Fed govt in the USA doesn't have the authority to do half the things it does. The way our Constitution works is that it tells the govt what it CAN do, not what it CAN'T. This means that if the authority isn't spelled out in the document, then we need to vote on an amendment, which never happens.
The point is, the Canadian govt has more leway than the USA's, but then again, the criminals in DC don't give a shit about the Constitution.
Such a poor staff of blokes believing in a snake oil medicine salesman to bring a 500 cable channel offering drug addicted ObamaCare meds to sell or get addicted to your foul advertisement bullshit.
Bet you lose billions with the NFL drug tests.. Wait until they hit your mouth breathing NIRP two bit whore branches, you folks will look like corporate Federal Reserve pimps selling crack on the street. Sure, we can close down the cartel. What happened to the guns sent to Mexico to create havoc? Not to underscore, IRS hard drives thought to be destroyed. Wipes my eyes pretending cry, laughing inside.
Just gave myself a V8 smack, ISIS is the new CIA threat. Carry on and create new bed threating critters. Don't use bed bugs, it already flopped like Ebola.
http://www.caintv.com/obama-in-2006-video-yeah-i-sto
Yeps this ones been planned for decades..
Had HMO/PPO BS/BC coverage, top of the line, for $550/mo. via employer, for two.
Cue Obama/Romney care.
Dropped to HMO only, 2 week wait times, >$700/mo.
Less choice, slightly less coverage, more money.
http://www.sourcewatch.org/index.php/Big_Pharma#Pharmaceutical_lobbies_....
http://www.sourcewatch.org/index.php/Coalition_for_Health_Insurance_Choices
etc etc
... that's what happens when health-insurance group gets to write the healthcare law ...
.
How Private Health Insurers Purchased Healthcare Reform
bet he's in a state that has little competition between the few insurance companies there.
leader who will rise up from the masses.
His name is Putin and he lives in Russia.
and he looks better with his shirt off than O.
Well, the majority voters are poor & brainless. When someone uses free healthcare to exchange votes, you should know the working class will have to subsidise.
FED wants inflation
Wait until he gets the following years increase, although due to those in power listening attentively to his concerns over his Insurance premium they will have been able to fight it down to a bargain 46% Increase for the year.....winning!
Of course that will be 46% on top of the 97% increase the previous year....thank god we don't see those outragous 97% increases every year...don't forget to kiss the hand of the man who got it down to only a 46 % increase.
Although 97% increase on $281 is $555 plus 46% = $810 per month, then wait until the following year.
You just keep voting red or blue they know whats good for you folks.
Almost better to save your own damn money until the day you need it.
Thank fully, we pay a lot of taxes where I live.
Our health care is paid for.
(With a deficit budget in one of the richest jurisdictions on earth)
Slave on
Mandated healthcare is not in the Constitution and in fact the 10th says:
The 9th. says:
The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people.
and the 16th. says:
So since healthcare is not "income" it cannot be a tax and is since it is not also mandated in the Constitution it is Unconstitutional. As for enforcement, the Constitution is not silent on that either. Article 3, Section 3 says: Treason against the United States, shall consist only in levying War against them, or in adhering to their Enemies, giving them Aid and Comfort. No Person shall be convicted of Treason unless on the Testimony of two Witnesses to the same overt Act, or on Confession in open Court. And that is why they are so desperate to get our arms, even going so far as to create false-flags as an excuse.An American, not US subject.
It's a very special form of excise tax. One that never existed in this country before a certain hare-brained Supreme Court justice created it from the bench.
"It's a very special form of excise tax. One that never existed in this country before a certain hare-brained Supreme Court justice created it from the bench."
With respect, that is not possible, as the Constitution prohibits non-apportioned direct taxes TWICE.
Once in Article 1, Section 1, Clause 3:
Representatives and direct Taxes shall be apportioned among the several States which may be included within this Union, according to their respective Numbers,..
and again in Article 1, Section 9, Clause 4:
No Capitation, or other direct, Tax shall be laid, unless in Proportion to the Census or Enumeration herein before directed to be taken.
And it is not possible because the Constitution is still the "Law of the Land."
And because, Article 2, Section 1 says:
All legislative Powers herein granted shall be vested in a Congress of the United States, which shall consist of a Senate and House of Representatives.
And Article 1, Section 8, Clause 18 says:
The Congress shall have Power ... To make all Laws which shall be necessary and proper for carrying into Execution the foregoing Powers, and all other Powers vested by this Constitution in the Government of the United States, or in any Department or Officer thereof.
They can make all the legal machinations they like, but if they are unlawful, and Unconstitutional means just that, they carry no weight of law.
An American, not US subject.
Nice try, however an excise tax is an indirect tax. So sayeth our overlords in NFIB v. Sebelius.
Simply because 5 out of 9 douches vote, in a moment of time, to declare a penalty an indirect tax does not make it so.
Section. 10. No State shall enter into any Treaty, Alliance, or Confederation; grant Letters of Marque and Reprisal; coin Money; emit Bills of Credit; make any Thing but gold and silver Coin a Tender in Payment of Debts; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
Amen! And get I get a witness?!
Yup, FedRes IS Unconstitutional.
An American not US subject.
amen is zion
Amen is Hebrew, not Zion.
"Ye are of your father Satan," Yeshua to the Pharisaic, Babylonian, Talmudic 'Jews.'
Zionists are the followers of Nimrod, founder of Babylon and the first God-king, aka Pope. They are Edomites (children of Esau) and not Israelites (children of Jacob).
Ya'll are correct about how wrong this guy had it. Ya'll are a little too harsh with it. Stupid is already hurting. Rubbing this shit in is just alienating. What do they call this, a blanket party? Aren't you sooo powerful guys, thoinking on a guy when he is down? I love you but you sucked responding to this one.
It takes what it takes to wake up. I hope he reads these comments and can find a way to not take it personally.
We have all been ignorant in our way brother man. Folks forget their compassion sometimes, anger twists and warps us and we are not always our best selves. Waking up from the Matrix is unpleasant. Don't be too hard with youself as you read this shit. We are all in it together.
Dont feel bad pal, two years ago I was paying $459 per month for a family of three with $3000 deductible, last year was $689 per month under Obummercare with $6,000 deductible. Received my renewal notice today, $737 per month with $6,000 deductible next year. When it hits $1,000 per month, I'm going to pull all my cash out of the bank, structure assets so they are protected under bankruptcy, and cancel the policy. Then if something bad happens, I'll just default on the medical bills. The government can come and try to get the IRS penalty out of me........
I tell everyone to do this. Crash the system. My uncle pays $1,000 a monh for himself and his wife with a $16,000 deductable. They opted to not pay anymore and jusy pay the penalty. They will save the $1,000 a month in a savings account for emergencies.
Sounds familiar.
http://www.zerohedge.com/node/497164#comment-5419016
Land Of The FREE... (shit army)
"Oooh....(unintelligible)....The Humanity!"
The ZH Reader should join Christian Care Ministries (CCM), or, one of the other 3 organizations like it. CCM has a website. They're a self-pay organization for Christians that exempts you from Obamacare and the IRS penalty tax, like the Amish and Muslims can do. You can pick a deductable as low as 500/yr and they have group, and family plans, etc., too. And once you meet your deductable it pays 100%, no co-pays!
Plans are extremely affordable and works same as any other PPO:participating physicians on a nationwide online list; you are issued a PPO membership card; and, you choose your doctors and hospitals. Also, covers you worldwide. CCM has been around for 20 years and, I believe, already covers well over one million people. Membership is growing very fast now and the phone people were all excellent and extremely nice!
Example rates: A 55 yo male would pay about $185/mo with a small $500 deductable, and only about $137/mo with a $10,000 deductable.
Drawbacks: They don't take smokers and don't cover your pre-existing conditions. If you're grossly overweight costs you more, but they have plans to help you lose weight to get into optimal range so you can qualify for their lowest premiums.
Enjoy the fresh air and sunshine.
"They...don't cover your pre-existing conditions."
Doesn't this make them illegal under the ACA? This is about the only part of that law that makes sense to me in a world where the government has destroyed employment and people have to roll from job to job - bound to catch a condition along the way. Or do those of you here who hate ACA whole-cloth thing people should be slaves to the same job because otherwise they'll be left for dead with a pre-existing condition?
That is why it is a drawback. If you have multiple medical problems this is not for you. If not, then sign up before you get sick, that's why it's called insurance.
It's a shared expense organization so, of course, it's not only legal, it exempts you from the IRS penalty for non-conforming plans that would otherwise force the plan to pay for things like Chaz Bono's sex change, so premiums can stay low.
Why should people with healthy lifestyle choices be penalized and be forced to reward and subsidize free rides for the gangbangers, druggies, and brain dead liberals? That's not fair.
And why do people wait until they're sick or falling apart to rush out to try and sign up for healthcare just so they can make the other people pay? That's not fair.
And giving Obamacare to illegal aliens means many US citizens will go without, or, to the back of the line for healthcare. That's not fair, either.
Mobile guillotine sharpening service.
A profitable business venture in the not too distant future?
Somebody has to pay for the healthcare of the up and coming amnesty recipients.
She lofted her nose and cackled and "You got what you voted for my little pretties... hahahahaha..."
~The Wicked Witch of the West
Was she orange and rode a broom called imf?
The insurance business has countless ways of separating people from their money and it is not just with medical insurance. Life insurance owners beware! Over thirty-two years ago after our marriage my wife decided to buy a "whole life" policy on me. She had some cash at the time and decided to help out her brother who was a new salesman with MetLife, also with a young family and baby. He moved on to other employment a few years later. She paid 10G upfront for the policy and would not have to make any payments for some time. I considered this entirely her business and her money.
About twenty odd years later my wife took ten thousand dollars out of the policy in order to pay back property taxes. Her understanding was that the remaining money in the account would cover payments until the policy coverage lapsed, which was ok with her. Last tax year a 1099-R came in the mail from MetLife which stated we had untaxed income on $38,000! We never received a nickle from MetLife but now owe almost $6000 income tax. This does not seem possible and the logic defies me, but there is some law that says we must pay tax on $38000 that we never received. Who got the money? WTF???
Sounds like the policy was surrendered for cash value. Have you contacted the issuer? They may be holding the funds for you, or they may have been remitted to the state. And if that's the case, there could be a time when it will escheat unclaimed and you won't be able to recover it.
Yes we contacted MetLife. They simply said they understood that was not what we wanted to hear, but the 1099-R was correct, even though we never received any money. This was done through their online email system. I look at it this way. We "invested" $10,00 for 32 years. We "withdrew" the $10,000 after approximately 29 years. We "received" life insurance coverage on me for a number of years. We now owe $6000 in taxes. I had a tax guy do our taxes for once last year because of this, and he concurred we owed the money, but couldn't explain to me why.
This may be some insight: http://www.forbes.com/sites/peterjreilly/2012/01/19/northwestern-whole-l...
Wow, it just doesn't get much more twisted than that.
She could have gotten the cash value tax free had she taken a loan against the cash value. Borrowing from the cash value is tax free. Cashing in requires that the gain be taxed as ordinary income.
And what did he do before the subsidized Obamacare policies?
Was probably able to buy his own insurance for four for about the same $600/month and with lower deductibles.
But really don't worry subsidized dude, Obama will issue an executive order raising the subsidies, probably to 1000% of the premiums, I mean why not.
Haven't bothered reading all the comments, so this may have already been posted. In Oz 1.5% - 2% surcharge on income for coverage ... and many other countries have similar schemes
http://en.wikipedia.org/wiki/Medicare_%28Australia%29#Program_funding
If other countries can do this sort of thing why not the USA? (OK, I already know the reason).
Read it and weep Bitchez!
Oz sends back undesireables once they reach their shores.
You would be called heartless bastards by the media here. Plus democrats would welcome them as voters.
Be thankful you are surrouned by a vast ocean. I assure you, if you had a land line to Indonesia, you would be singing a VERY different tune.
Do you know who comes to the States? Do you know who pays?
You cannot have open borders, unlimited ER/OB care, mega lawsuits, etc. and still have cheap insurance.
Gruber is correct: peopel are not capable of critical thinking at all, and are fucking stupid. Apparently this is a world-wide phenomena, not just the US.
Put out a simple fix (like you suggest) to a complex problem...and people will fall for it.
Gruber's Law I guess.
If you created your national plan today, it would be just as corrupt as the USA plan is.
They can do it because:
1) They did this decades ago before Corporatism arose
2) They don't have massive immigracion from an adjacent hemisphere that does not pay
3) They don't have laws that penalise those in country but favour those who move in legally or illegally
4) They are small nations that are linguisitically, ethnically, racially and ideologically homogeneous.
Australia has an economy the size of Tejas'...and there are 49 other states, DC, PR and the 4 territories...
WTF? Why in the hell are we taxpayers footing the bill for all of your 2 kids insurance and subsidizing you and your wife when you are a business owner? I work 40 hours a week at a business I DO NOT OWN and no one is subsidizing shit for me.
Its all about making things so bad, you all demand single payer. This gives the gov and both parties a new revenue stream to replace the withered social secuirty. Then the game goes on.
Do we have "single payer" for the post office yet? I'm sure that will fix their profitability issues.
Stop prefunding their pensions and 50% of the post office problem is gone. Then raise postal rates to reflect true inflation numbers, not the cooked ones. Also fire a lot of their overpaid minions / Union people; of course that's a powerful voting block.
My policy was from what migrated from Blue Cross/Blue Shield to an Obama policy, because my old plan, although better, and with lower deductibles, didn't meet the gov "standards". I just received a table similar to the one posted here to renew my Obama policy. Changes include HIGHER out of pocket maximums and a rate increase. My increase for the upcoming Obama policy renewal is 9.58 times higher than what I've been paying.
Blue Cross/Blue Shield ... what? not up to government standards, is Impeachable Offense on the face of it.
Calling all Republicans that want to Impeach... If you can't Impeach now... it is cause you are in a Racketeering scheme... Obama is an insider that did what was expected...and is now protected.
Damn.
Impeach this man, take it to all the Whips, Majority & Minority. Impeach. Impeach all leaders in Congress especially those inn finance & armed Services Committees.
Segregate, Quarantine, Exile without most money.
What is the plan for Exile?
Rake their money, funds, bonuses, retirement, pensions.
Banker Exile: Probably more about freezing funds like a Dictator... Exile without funds other than retirement
I question the truth of this whole article its simply not true.
You want to show up at my house asshole, I'll have a check in my hand for a $10,000 payble to you if i'm bullshitting. I'll lay out my last five years of tax returns and show you every bill I've paid for health insurance for the last five years. Also, I have not filed any claims to make my premiums go up. Simply not true, eh? Put your money where your stupid mouth is. If I'm bullshitting, I'll write a check payable to YOU for that amount. But if you are wrong, you owe me that amount. Deal?
I for one am waiting to see how my insurance rates are going to change in the new year. When working as a contractor over the past 5+ years, I was paying about $800 a month for health care coverage for the wife and myself. Yes, those contracting agencies take every opportunity to gouge the people they find contract work for. Now that I've gone full time again, my health care (and this is the high cost plan) runs $215/month and it is fairly good coverage. The low cost plan runs about $20/month, but that requires you pay your $5K deductible up front but all costs after that covered 100%.
So I am keeping my fingers crossed the rates don't double.Other than that, fuck Obamacare.
The South was right!
The souths gonna do it again....
You see, the healthcare industry gets taxed and passes it on to consumers, and their next sxheduled target employer sponsored plans.
It's corruopt crony capitalism. Healthcare lobbyists outnumber the next catagory of lobbyists by at least a 3-to-1 margin.
The one good thing that you can say about Barry is that he won't be as bad as the next shitbird that the citizens of the good olde US of A vote into dictatorship next time. And its starting to look like Bush was better than the shitbird who was elected after him.
Why is it that every choice for president is pretty much the worst possible choice from both parties? Does anyone with a soul get run down by the mob on the way to the race?
Fuck Africare and the fucking Kenyan half breed queer muslim bastard that signed that POS!
My Aetna $760 a month premium Cadillac PPO was cancelled in California and I had to buy Obamacare at $1340 a month this year. My next year premium is $1440.
how about single payer like most civilized countries???
Those nations all created those plans decades ago, before governments were captured by corporations.
If Sweden or UK had to create the plan today, you would have the same problems.
If it is made single payer, it will be a massive, corrupt, tax grab. All the money will go to the .Gov or HC Corps, and the rest of the economy will be crushed. Costs wont'go down, it won't be cheaper, we won't all hold hands and sing Kumbayaa and be like Norway.
Single payer government health care will be vile in the USA when it gets here.
Why? Since the 19th century the powers that be in this country have aimed to engineer society. With total control of medical care they will get to decide which of us livestock are worthy of the expense and which of us are not.
If you can still make a profit for the top of the pyramid you'll get medical care. If you can't, you die. That simple.
On the plus side people will be more motivated to take care of themselves instead of expecting other people to pay for their medical care.