"Get Covered" America Or "Take Cover" America

Tyler Durden's picture

Isn’t it interesting the mainstream media makes barely a peep about the ongoing and worsening Obamacare debacle. Healthcare premiums, co-pays and deductibles are soaring, while doctor and plan choices contract to a minuscule level.

 

Source: Townhall

Recent surveys reveal the hardship being inflicted upon families across the nation. As The Burning Platform's Jim Quinn details, those who are willfully baffled by the lack of consumer spending need look no further than Obamacare and its impact on the budgets of hard working Americans.

According to a survey by LIMRA, an insurance and financial services trade association, six in 10 workers agreed that the rising cost of health insurance directly affects how much they set aside in their workplace retirement savings plan. Employees are being forced to cut back on their retirement savings in order to meet the skyrocketing cost of their health insurance. Based on the numbers being bandied about by the Kaiser Family Foundation, it seems average families will soon have to decide between food and healthcare. Remember Obama’s quotes in 2008- 2009 when he was selling this bloated pig of a plan to you?

“We will start by reducing premiums by as much as $2,500 per family.”

“If you like the plan you have, you can keep it. If you like the doctor you have, you can keep your doctor, too. The only change you’ll see are falling costs as our reforms take hold.”

Millions of people have been kicked out of their existing health plans and have seen their premiums and deductibles go up by double digits. Small business owners are being forced out of business. And now the fines, mandates, and taxes really begin to kick in. At least median household real wages are lower than they were in 1989. According to the Kaiser Family Foundation:

Single and family average premiums for employer-sponsored health insurance rose 4% this year over last. The average annual premium for single coverage is $6,251, of which workers pay an average of $1,071; the average family premium is $17,545, of which workers pay an average of $4,955. Deductibles have risen more sharply than premiums. That’s the amount that consumers must pay out of pocket before insurance pays for anything, except for certain preventive services that are covered at 100%. The average deductible for workers with employer-sponsored health insurance who face a deductible is $1,318 for single coverage this year, up 44% from $917 in 2010. By contrast, over that same period, single premiums are up 24% and wages have risen 10%, just outpacing general inflation at 9%.

The brain dead proponents and cheerleaders for Obamacare reveal themselves to be nothing more than liberal control freaks who care not for the people they supposedly are helping with “free” healthcare. They need to falsify enrollment figures in order to prove how successful they’ve been in destroying the health system. They only care about press releases and winning the PR battle with the Republicans. It’s all about votes. It’s not about what is best for the uninsured. Families being forced into the limited number of Obamacare plans are seeing weekly costs of $300 to $400 for barely acceptable coverage.

The poor suckers forced into the Obamacare marketplace have to contend with health plan deductibles that are even higher than those with workplace-based coverage. The average 2016 deductible for a silver plan on the Obamacare exchanges is $3,117 for individual coverage, up 6% from 2015, while the average silver family deductible is $6,480, up 8% from this year, according to a recent analysis by HealthPocket, a technology company that ranks and compares health plans.

The entire reason Obama and his liberal minions forced Obamacare down the throats of a public that did not want it, was to provide insurance for the 30 million uninsured Americans. He failed, as there are still close to 30 million uninsured Americans, only they now get to pay a penalty to the IRS. It’s laughable for the MSM and brainless liberal twits to hail Obamacare as a huge success in covering the low income uninsured, when a poor family has to meet a $6,480 deductible before insurance pays a dime. How many poor families have $6,480 to spare? We know for a fact that more than half the households in the country don’t have $1,000 in savings, let alone the poor households. It’s a joke to say they have health coverage.

Obamacare is an unequivocal disaster that has resulted in less job growth, small business closures, worse care, less options for consumers, higher health insurance premiums for all, and soaring profits among mega-insurers, mega-hospital corporations, drug conglomerates, drug stores, drug wholesalers, and the political campaign coffers of corrupt bought off politicians. It’s the gift that keeps taking from hard working Americans.

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PacOps's picture

Good introduction to his thought process and ability to execute them successfully. 

duo's picture

Obamacare was the test case for passing the TPP, the reason why the Obama was hatched in the first place.

max2205's picture

History will not be rewritten on this one 

847328_3527's picture

Moar of Barry's disastrous Legacy.

Boris Alatovkrap's picture

Only alternative now for America citizenry is stay healthy. Eat is your bacon and enjoy stress-free life!

new game's picture

true dat. 500/month-na. spent accordingly. u hav options...

VinceFostersGhost's picture

 

 

Welcome to a little thing.....we like to call math.

White Mountains's picture

Yep.  It's like gravity - deny it all you want, you still go SPLAT a short while after you step off the ledge.

Chuck Walla's picture

There is always free cheese in the mousetrap.

FORWARD RODENTIA!

DisasterCapitalist's picture

Is mention bacon in post but is only get 5 upvotes. Must have stealth joos in fight club.

TeamDepends's picture

True story: There was a time, not really that long ago, when hospitals did not exist. Shocking! We get the heeby-jeebies when visiting friends/kin in hospitals. Perhaps it is the clean livin' (wink wink), but somehow for half a century we have never been admitted as a patient. Sure, there was the car crash/broken ribs but there's not much they can do for that. Besides, we weren't about to end our streak. The point is, it's all in your mind. People invite disease, maladies, and accidents into their lives when they lose hope. Obamacare is the death funnel in the slaughter house. Take an alternative path.

Arnold's picture

Prolly the most insightful thing i've seen you post.

Fukushima Fricassee's picture
Fukushima Fricassee (not verified) max2205 Nov 6, 2015 9:05 AM

History will shit on the graves of every stupid dindus fool that ever cast a vote for that stupid son of a communist slut.

Clowns on Acid's picture

You left out the illeagal alien invasion along with OblowMeCare and TPP.

J S Bach's picture

Obamacare is unbridled and unrestrained socialism taken to its extreme.  Maybe it's a good thing... so that even some of the very slowest amongst us can see the futility of the "free lunch" mentality.  Cynic that I am... I honestly believe that as long as every featherless biped can vote, they will continue to fall for every faux program the communists dangle in front of their listless eyes.  Healthy governance can only come from a wise and moral elite.  Does or can such a thing exist in this decadent age?

Latitude25's picture

Obamacare is unbridled crony capitalism masquerading as socialism.

ISEEIT's picture

Crony capitalism/socialism/communism.

All the same shit.

Sociopaths feasting upon humanity.

VinceFostersGhost's picture

 

 

Stop fighting.....you're both right.

DaddyO's picture

In a word, you're exactly right!

http://cnsnews.com/news/article/terence-p-jeffrey/obamatrade-text-affirm...

Text book definition...Facsim!

DaddyO

Everybodys All American's picture

This has so very little to do with capitalism.

Crash Overide's picture

42 U.S. Code § 18115 - Freedom not to participate in Federal health insurance programs

No individual, company, business, nonprofit entity, or health insurance issuer offering group or individual health insurance coverage shall be required to participate in any Federal health insurance program created under this Act (or any amendments made by this Act), or in any Federal health insurance program expanded by this Act (or any such amendments), and there shall be no penalty or fine imposed upon any such issuer for choosing not to participate in such programs.

Source

(Pub. L. 111–148, title I, § 1555,Mar. 23, 2010, 124 Stat. 260.)
References in Text


This Act, referred to in text, is Pub. L. 111–148, Mar. 23, 2010, 124 Stat. 119, known as the Patient Protection and Affordable Care Act. For complete classification of this Act to the Code, see Short Title note set out under section 18001 of this title and Tables. https://www.law.cornell.edu/uscode/text/42/18115?qt-us_code_temp_noupdat...

Crash Overide's picture

But they make the individual pay a fine for not wanting their federal health garbage?

So if you issue insurance to yourself you don't have to participate or pay the fine?

Dog Will Hunt's picture

I'm not defending Obamacare in the least, but there isn't a goddamned thing inherently socialist about it.  Do people even bother with definitions anymore?  

nmewn's picture

You have to check off a box on your tax form stating if you have health insurance or not, effectively, that's the state mandating you have it or the state will come after you...thats socialism.

They don't care if you have car insurance or house insurance or (gasp) life insurance do they? ;-)

Oquities's picture

in obamacare the young subsidize the old, men subsidize women, the premium payers subsidize the newly qualified medicaid recipients, the childless subsidize the fecund, the citizens subsidize the illegals, and the slim subsidize the fat.  i could go on, but i'll end with the smart subsidize the dumb - and we know which category you're in there.

nmewn's picture

Not to mention this proliferation of "health-care coaches", these busy-body, 250lb (and alternatively, 75lb anorexic-vegans) who's job it is...to "coach" me on my "lifestyle choices", to keep..."the companies" costs down.

Ya know what?

I'm 56yrs old, my momma died in 92 and I don't need "another momma" who's sole interest is saving money "for the company" (or the fucking nation for that matter) that's being PAID (by a company or a nation) to nag me about what I CHOOSE to eat, drink, smoke, ride, swim or screw.

They can all go fuck themselves with a baseball bat with nine inch nails sticking out of it.

sgorem's picture

AFFIRMATIVE bro, just don't fucking sugar coat it next time, will yee ;)

sgorem's picture

welcome to the real world of 'been fucked, being fucked, or soon to be fucked'...................has the Revolution started yet?...not sarc.

Manipuflation's picture

Nmewn's post made me happy because it is so true.  I think I will bust out the Angel's Envy bourbon and have a shot to honor that post because it spoke for me as well.   

Manipuflation's picture

We will not comply.   

VinceFostersGhost's picture

 

 

I'm not complying right now......and loving it.

MalteseFalcon's picture

I'm no fan of Obama or Obamacare.  But let's be real for a moment.  In Massachusetts Governor Mitt Romney forced Romneycare on the state.  Obamacare is Romneycare, right down to the gold, silver and bronze plans, high deductibles, high premiums and penalties.  In 2012 America was offered two choices for president; Obama or Romney.  You were not going to get a choice on healthcare.  The Republicans now control the house and senate.  Has there been a move to repeal or (god help us) reform Obamacare?  No.  So there you have it.

Except that I (a sample of one to be sure) pay 33% less under Obamacare than I did under Romneycare.

So just know that they are not repealing Obamacare and any Republican "reforms" should be avoided.

Billy the Poet's picture

I got screwed but it's nice that you benefited.  I hereby rescind my call for the repeal of Obamacare because you mean that much to me.

seek's picture

Good for you, however virtually anyone who's self-employed has been totally, utterly fucked. My brother just got his rate increase, it's +26%. Mine was 18%.

He makes less than 30K and is now looking at an annual insurance bill of about 10K, thanks to the O-care people pouring in and using their shiny new insurance. O-care is a fucking abomination that does nothing but guarantee high revenues (and thus profits, because while insurance's cut might be limited to under 20% of the bill, there's no limit on how big that fucking bill can be) not just for the insurance industry but the entire sick-care industry. Skinny people that work their asses off and take care of themselves -- well, Obamacare is a giant "fuck you" to us. But if you're a morbidly obese, unemployed diabetic that votes a straight D ticket before you head over to the store to buy ice creams with your foodstamps, of course Obamacare is the best thing ever.

When the revolution finally fucking happens, regardless if the individualists or the collectivists win, and the history books are written 50 years from now, I guarantee that Obamacare is going to be in the top five bullet points the kids will have to remember for the test on the causes of the second american revolution.

new game's picture

ps. the healthcare industrial complex has a financing arm to helpt with those nasty deductables.

true dat. sis is making paymnts. no tears from me tho art...

Arnold's picture

Text english please. Tx

MisterMousePotato's picture

This is because no when.

Huh?

Abbie Normal's picture

What is really needed, and what nobody is willing to suggest, is to get rid of all the middlemen, i.e. the health insurers.  Currently, my doc in the US bills about $120 for a visit, and after all of the discounting and jumping through paperwork hoops, he receives about $40 from the health insurer in 3-9 MONTHS!!!  From that $40, he now has to pay for all of the extra billing staff to satisfy the health insurer demands for paperwork so he's left with about $25.

Meanwhile north of the border, a similar doc would submit the billing for that same visit for $30 to the single-payer health insurer and receive the funds within two WEEKS, sometimes much sooner.  From that $30, he would pay the billing staff of ONE just $5 and end up with the same $25 as the doc down south.  The doc benefits because his costs are much lower and there is almost a zero % chance of claims denial.  The patient benefits because their healthcare insurance costs much less -- how does $80/mth for a single person sound?

  Of course, the one downside to getting rid of the current multi-level US healthcare insurance system is that it means dissolving an entire industry built on skimming off of healthcare costs, and laying off hundreds of thousands.

ZD1's picture

What is really needed, and what nobody is willing to suggest, is to get rid of all the middlemen, i.e. the health insurers AND the FUCKING GOVERNMENT!

Everyone go back to paying cash for their healthcare like it was before big insurance and big government got involved.

AGuy's picture

"Everyone go back to paying cash for their healthcare like it was before big insurance and big government got involved."

Well thats what most people are doing. with a 6K deductible only a major issue is going to have a payout.

Like everything else Free market offer the best chance at providing an afforble cost. The real problem is gov't meddling, in trying to fix a problem that the gov't created in the first place. What ever gov't breaks, the fix make its more broke, until everyone is broke.

 

 

Everybodys All American's picture

When the revolution finally fucking happens, regardless if the individualists or the collectivists win, and the history books are written 50 years from now, I guarantee that Obamacare is going to be in the top five bullet points the kids will have to remember for the test on the causes of the second american revolution.

And here I thought there wasn't one good thing about Obama.

Dick Gazinia's picture

Well that and having a first lady with a dick.

nmewn's picture

Not having a choice isn't much of a choice is it?

Freedom, choice, voluntary?...lol...whats that?

Oldwood's picture

Massachusetts was and is a democratic dominated government so I'm not quiet sure how Romney "forced" his reform on anyone.Further,the conservative stand is that the FEDERAL GOVERNMENT has no constitutional ability to impose any such program on the entire country. States, on the other hand, have their own constitutions that are supposed to regulate what their governments can and cannot do. Further, if Romney ran on a platform of such program and change, then those people got exactly what they asked for.

On the other hand....Americans did not vote for this, and public has NEVER supported it.

As far as republicans are concerned, they are opposed to any federal government control over Americans, preferring to hold their nose and allow the democrats to do the dirty work while they wail in the background in false protest, being more than happy to take the reins when their opportunity comes about.

They would only use the power of the ring for good, don't cha know!

All claims to shrink the government are false...lies, purely promoted for political gain, and never to be actually acted upon.Yes they are liars, hypocrites, but that does not matter. The problem defies political solution for we cannot expect to hire people who will seek to eliminate the power they so voraciously fought for. it's too much to expect. The best we can hope for is delay, and at some point that may become more pain than its worth. Ultimately it will collapse from its own weight, the left believes that at best, their agenda will create enough chaos to allow their power to be permanently fixed, or at worse, a full blown collapse will allow them the opportunity to clean house and have an even more pure ideological society.

Berspankme's picture

Good little collectivist aren't you? Did you blow your neighbor today too?