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Obamacare Employer Mandate Delayed Until After Congressional Elections

theodp writes "If you hoped your employer would finally provide health insurance in 2014, take two aspirin and call your doctor in the morning — the morning of January 1st, 2015. The Obama administration will delay a crucial provision of its signature health-care law until 2015, giving businesses an extra year to comply with a requirement that they provide their workers with insurance. The government will postpone enforcement of the so-called employer mandate until 2015, after the congressional elections, the administration said Tuesday. Under the provision, companies with 50 or more workers face a fine of as much as $3,000 per employee if they don't offer affordable insurance."

407 of 600 comments (clear)

  1. Oh, look! Just what the economy needs! by FooAtWFU · · Score: 5, Interesting

    More regulatory uncertainty! Yay!

    --
    The World Wide Web is dying. Soon, we shall have only the Internet.
    1. Re:Oh, look! Just what the economy needs! by Enry · · Score: 5, Informative

      Not sure where the uncertainty is. Says right there - January 1, 2015.

      Not that having the elections matter about implementation. Obama isn't going to let a veto go through, and even if the Senate flips, there's going to be no way that there's enough votes to override a veto. Obamacare is here, get used to it.

    2. Re:Oh, look! Just what the economy needs! by Anonymous Coward · · Score: 5, Insightful

      Not sure where the uncertainty is. Says right there - January 1, 2015.

      Right. Just like it said the deadline was this year, before...

    3. Re:Oh, look! Just what the economy needs! by cod3r_ · · Score: 4, Interesting

      Maybe they did realize that during this tough economic time (that will probably go on forever since we only consume and don't actually produce anything) it might be a bad thing to force businesses to offer health insurance that is rapidly rising.. Our company only employees 22 people and we provide health insurance that costs us somewhere in the neighborhood of 75k/year.. Having gone up about 20% since obama care passed.

    4. Re:Oh, look! Just what the economy needs! by jeffmeden · · Score: 4, Insightful

      It's not what /. needs. I like ragging on the guberment any chance i get, but wtf does this story have to do with technology (other than using a computer to write it maybe).

      The chief reason cited for the delay is that the information infrastructure is not ready to handle the new processes and products yet. It is basically an IT project running 12 months behind (at 18 months out) and probably a few billion over budget, and we can all relate to that amiright?

    5. Re:Oh, look! Just what the economy needs! by cayenne8 · · Score: 5, Insightful
      I dunno if it is that so much as, the sentiment is growing against obamacare in the US as more of it is coming to be implemented, and more people are seeing it for the steaming pile that it is....and how much this will cost the people is the bottom line.

      I think the Dems/Admin want to keep obamacare implementation out of the news by doing this, so as to not risk their congress critters that may be coming up for election.

      The law had some good parts to it...the sections pertaining to pre-existing conditions is good, and I suppose that letting kids stay on their parents insurance till in their 20's "may" be good, although I think most normal "kids" should be well out on their own and supporting themselves by the time they are 20-21.

      But obamacare when it comes into full swing, is going to raise the $$$ of healthcare quite a bit on the young and healthy. It penalizes people that previously had really good benefits at work, making them too $$ for the employers to continue to offer.

      This is what comes from "we have to pass the law first to see what's in it...".

      --
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    6. Re:Oh, look! Just what the economy needs! by jeffmeden · · Score: 4, Informative

      Maybe they did realize that during this tough economic time (that will probably go on forever since we only consume and don't actually produce anything) it might be a bad thing to force businesses to offer health insurance that is rapidly rising..

      Our company only employees 22 people and we provide health insurance that costs us somewhere in the neighborhood of 75k/year.. Having gone up about 20% since obama care passed.

      $3400 a person for health care is pretty f'ing cheap. Most employers spend 8,000 to 10,000 per employee (not including what the employee contributes out of their salary).

    7. Re:Oh, look! Just what the economy needs! by Mitreya · · Score: 2

      Maybe they did realize that during this tough economic time ... it might be a bad thing to force businesses to offer health insurance that is rapidly rising

      I am not necessarily arguing which one is better, but are you saying that keeping individual employees responsible for health insurance expenses during tough economic time is fine and dandy?

      It's not like Obamacare is a new expense that did not exist before -- someone is paying the health insurance cost (or is living without health insurance) at all times. Some of the costs may not have a $ sign attached to them (people waiting for health to deteriorate to emergency room status), but these costs are still there.

    8. Re:Oh, look! Just what the economy needs! by OakDragon · · Score: 5, Insightful

      Not sure where the uncertainty is. Says right there - January 1, 2015.

      Well what was it a week ago?

    9. Re:Oh, look! Just what the economy needs! by ggraham412 · · Score: 4, Insightful

      Oceania has always been at war with East Asia.

    10. Re:Oh, look! Just what the economy needs! by Enry · · Score: 1, Insightful

      Take a look at almost every other major set of regulations that the government has put out (D or R) and see if any of it has rolled out on time. Take the cutover to HDTV: it took years to do and kept getting pushed back. The fact this is happening here is no surprise, and not an indication that it's going to cause prices to increase, jobs to be lost, or the dead rising from the grave.

    11. Re:Oh, look! Just what the economy needs! by sjames · · Score: 4, Insightful

      The problem is that the people wanted socialized medicine and we got an insurance scam. Of course the correct name for this is Romneycare since it closely resembles what Romney implemented in Ma., but that wouldn't have made for a good fight betreen the R's and the D's.

      The real problem is that healthcare costs too much in the first place. You can't just insurance that away. What we really need is for the federal government to tell the whole crooked industry, "Just one more $2 ahh stick or $8 tylenol and we nationalize the whole damned thing!".

    12. Re:Oh, look! Just what the economy needs! by JackieBrown · · Score: 1

      So your point is that something that works in one state must work in all?

    13. Re: Oh, look! Just what the economy needs! by iluvcapra · · Score: 2

      A lot of people in Information Technology work for large employers that have terrible health benefits.

      --
      Don't blame me, I voted for Baltar.
    14. Re:Oh, look! Just what the economy needs! by Jah-Wren+Ryel · · Score: 5, Informative

      Having gone up about 20% since obama care passed.

      And how much did it go up in the years before obamacare was passed?
      Sounds like we were seeing double-digit inflation in health care insurance costs most years in the decade prior to obamacare's passage.

      http://usatoday30.usatoday.com/money/industries/health/2009-09-15-insurance-costs_N.htm?loc=interstitialskip

      Seems like the rate of inflation in health care insurance is slowing to a historically low level of 4.5%:
      http://www.foxbusiness.com/personal-finance/2013/07/02/5-easy-ways-to-reduce-your-health-care-costs/

      YMMV, but nationwide the trend is getting better not worse.

      --
      When information is power, privacy is freedom.
    15. Re:Oh, look! Just what the economy needs! by ebno-10db · · Score: 4, Insightful

      Having been tested in reality it has a lot better shot than some ideologically or "reason" based idea that somebody pulled out of their ass.

    16. Re:Oh, look! Just what the economy needs! by ebno-10db · · Score: 2, Insightful

      I'm glad for your state. Unfortunately, one size does not fit all.

      Thank you for throwing spaghetti against the wall. Can you actually give some reasonable idea why you think it won't work in other states?

    17. Re:Oh, look! Just what the economy needs! by ebno-10db · · Score: 1

      The real problem is that healthcare costs too much in the first place. You can't just insurance that away. What we really need is for the federal government to tell the whole crooked industry, "Just one more $2 ahh stick or $8 tylenol and we nationalize the whole damned thing!".

      I estimate the time between that pronouncement being made and the criterion being met will be 1.72e-8 seconds.

    18. Re:Oh, look! Just what the economy needs! by I'm+New+Around+Here · · Score: 4, Interesting

      Hawaii has a better method, which I believe is also unique among the states.

      Employers have to provide an insurance plan to their employees. The employer doesn't have to pay for it, just be a member of a group plan.

      I think the minimum employee number that requires this is 15. So if you want guaranteed coverage, get a job at any medium sized business.

      The part of the law that makes sense is that there is no 'individual mandate' provision.

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    19. Re:Oh, look! Just what the economy needs! by I'm+New+Around+Here · · Score: 1

      "Just one more $2 ahh stick or $8 tylenol and

      You actually think that is the cause of the high prices?

      --
      If you think I voted for Trump because of this post, you're wrong. I voted for Dr. Jill Stein of the Green Party. Again.
    20. Re:Oh, look! Just what the economy needs! by ntsucks · · Score: 2

      Our 11 person firm had our policy cancelled due to ACA and we were forced to choose a different one for 30% more per year. Does anyone in Washington know who really creates jobs in this country? HINT: its not companies with more than 50 employees.

      --
      Those who can do. Those who can't sue.
    21. Re:Oh, look! Just what the economy needs! by I'm+New+Around+Here · · Score: 1

      I think he's only referring to union shops with their soon-to-be-taxed-out-of-existence gold level coverage plans.

      --
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    22. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      Not those specific items, but they are representative of the problem. of course there's plenty more where that came from like the rapacious pricing on pharmaceuticals, the FDA granting exclusivity on generics, etc.

      Most people could read between the lines and see that as an ultimatum to fix it or get fixed.,/p>

    23. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      Cool, let's begin the nationalization.

    24. Re:Oh, look! Just what the economy needs! by Anonymous Coward · · Score: 5, Insightful

      The real chief reason is the democrats don't want to lose their asses in the next election when people finally figure out what a cluster fuck the health care bill is and how for many of the current people who HAVE health care already it will mean more money out of their pockets for worse coverage.

    25. Re:Oh, look! Just what the economy needs! by dfenstrate · · Score: 3

      Not sure where the uncertainty is. Says right there - January 1, 2015.

      Not that having the elections matter about implementation. Obama isn't going to let a veto go through, and even if the Senate flips, there's going to be no way that there's enough votes to override a veto. Obamacare is here, get used to it.

      I'm not so sure about that. The policymakers knew upfront the ruinous act would cost them elections, so they put off the effects two years. Now they still don't want to do the damage they knew the bill would cause, because they care about this election's results as well. So as long as the elections are contested, they might keep putting off full implementation of Obamacare, rather than pay the price at the polls. They like their seats more than they want full implementation of the Affordable (snicker) Care Act. This happens to align with the interests of the nation.

      --
      Alcohol, Tobacco and Firearms should be the name of a store, not a government agency.
    26. Re:Oh, look! Just what the economy needs! by Chris+Mattern · · Score: 2

      Not sure where the uncertainty is. Says right there - January 1, 2015.

      And yesterday it said January 1, 2014. Who knows what it'll say tomorrow?

    27. Re:Oh, look! Just what the economy needs! by Paperweight · · Score: 1

      Are you ascertaining that the dates are certain because they're certain to be uncertain?

    28. Re:Oh, look! Just what the economy needs! by tgd · · Score: 1

      I think he's only referring to union shops with their soon-to-be-taxed-out-of-existence gold level coverage plans.

      Negative. Having had one of those "Cadillac" plans for a few years, my single cost out of pocket was $0, but my employer was over $3k a month.

      $10,000 per employee would be bottom-of-the-barrel coverage, unless the employer isn't covering much of the employee's cost.

    29. Re:Oh, look! Just what the economy needs! by Cyberax · · Score: 1

      Just look at COBRA premiums.

    30. Re:Oh, look! Just what the economy needs! by countach74 · · Score: 1

      Unfortunately, "most people: don't understand what makes an economy grow: producing more than you consume (it's obviously a bit more complicated than that, but we're told "spending" stimulates the economy). In addition "most people" think that one can just regulate away these problems when historically, we all know what sorts of incentives Obamacare provides: Hire contractors or limit amount of hours worked per week per employ to sub 30. There are probably other work arounds, but I'm not that familiar with the details of Obamacare.

    31. Re:Oh, look! Just what the economy needs! by Duhavid · · Score: 1

      I feel you missed it.... It should have been:

      Obamacare has always been at war with East Asia

      --
      emt 377 emt 4
    32. Re:Oh, look! Just what the economy needs! by Thornburg · · Score: 1

      I think he's only referring to union shops with their soon-to-be-taxed-out-of-existence gold level coverage plans.

      No, those plans are in the $20k/year ballpark.

      $10k/year (employer contribution, plus an additional $2-3k/year employee paid) buys a health plan that doesn't suck. A PPO with no deductible and moderate copayments. Covers most needs but has gaps.

      $4k/year only buys a crappy plan that has at least two of these flaws: doesn't cover the right things, high copayments, high deductible.

    33. Re:Oh, look! Just what the economy needs! by I'm+New+Around+Here · · Score: 1

      Most people could read between the lines and see that as an ultimatum to fix it or get fixed.,/p>

      No, I read between the lines just fine. I just don't agree that the only culprit is greedy drug companies.

      --
      If you think I voted for Trump because of this post, you're wrong. I voted for Dr. Jill Stein of the Green Party. Again.
    34. Re:Oh, look! Just what the economy needs! by KRL · · Score: 1

      The uncertainty is pretty clear. First it was X date, now it's Y date... who knows when the party moves to Z date. I operate a business and can tell you that a lot of this crap changes on a weekly basis.

    35. Re:Oh, look! Just what the economy needs! by Duhavid · · Score: 1

      "Having gone up about 20% since obama care passed."

      Having paid for my own insurance for a time, I can tell you that rates increase all the time, at the drop of a hat.
      The increases were large, and pretty common.

      --
      emt 377 emt 4
    36. Re:Oh, look! Just what the economy needs! by BoRegardless · · Score: 3, Insightful

      I respectfully disagree that it is just an IT delay. Problem will still be here in 2015 and people will still not want to sign up, plus the insurance cost raises will continue in at least double digits, so this is ALL ABOUT reelecting Demos in 2014 midterms.

      Obama, on the other hand, wants a broken system where everyone bitches, because he fully intends as he has said on camera before becoming President, that he wants to go to a single payer system (100% Gov't run healthcare), but just can't get there all at once.

      And in the end that means the Federal government and its enforcement arm, the IRS, will take whatever they need from you and me to support the care they give to everyone, whether we like it or not.

      This is a quick review of what tyranny looks like; Pay what the Gov't says or you are a criminal as there is no other option but to leave the country. New Zealand, Australia, Chile; they are all looking better.

    37. Re:Oh, look! Just what the economy needs! by tgd · · Score: 2

      Maybe they did realize that during this tough economic time (that will probably go on forever since we only consume and don't actually produce anything) it might be a bad thing to force businesses to offer health insurance that is rapidly rising..

      Our company only employees 22 people and we provide health insurance that costs us somewhere in the neighborhood of 75k/year.. Having gone up about 20% since obama care passed.

      So you're implying (although we all know its incorrect) that the rate of increase was less the two years prior to "Obama care"?

      If you want to be accurate and not cherry pick numbers to support an obvious political bias, you should provide accurate numbers to provide contect:

      What was the rate of increase the years prior to "Obamacare"?

      What is your total payroll cost per employee?

      If your average salary is $50k, then your all-up costs per employee are probably around $70k with payroll and unemployment taxes, cost for their work space, etc ... in which case your $3400 cost per employee for insurance is about 5% of your total all-up costs per employee.

      So you either are feigning ignorance posting your 20% figure and complaining about a very small difference in cost for a huge improvement in your employees, or you're really ignorant about basic economics and math.

    38. Re:Oh, look! Just what the economy needs! by ultranova · · Score: 1

      Maybe they did realize that during this tough economic time (that will probably go on forever since we only consume and don't actually produce anything) it might be a bad thing to force businesses to offer health insurance that is rapidly rising..

      I seriously doubt having your population unable to afford healthcare will exactly help the economy. Weak slaves produce few bricks, to paraphrase a movie.

      --

      Forget magic. Any technology distinguishable from divine power is insufficiently advanced.

    39. Re:Oh, look! Just what the economy needs! by ebno-10db · · Score: 1

      I'm for it. In fact I'm pretty moderate, so I just want socialized health insurance, not full blow socialized medicine (the UK is one the few Western countries with that). It works awfully well for the Evil Frozen Socialists of the North, but rather than relying on empirical data like that the opponents will ignore it and come up with endless pulled-from-their-posterior arguments why it won't work. Guess it sucks when reality gives your ideology a big f-you.

    40. Re: Oh, look! Just what the economy needs! by DarkOx · · Score: 1

      No this is about the most unfair thing to people on the margin which could have happened. Suppose you have a full time job today but no health plan, your employer does not offer one, or you can't afford to participate because the subsidy is to small etc. here comes 2014 where you will be fined for not having the insurance your company is not being excused from providing.

      I guess the upshot is you probably don't either loose your job or get your hours cut to part time for a few more months. This is really really unfair though to the bottom rungs of people most of us might consider middle class.

      Makes since that the Liar and Cheif would do this though, if you don't see the tax bill or the pink slip until after the congressional and senate elections you might be more easily bambozaled into electing his shit sack party members again.

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    41. Re: Oh, look! Just what the economy needs! by ebno-10db · · Score: 4, Interesting

      So far, obamacare sounds a lot like the usual healthcares we enjoy in EU countries

      And Canada, Japan, Australia, etc.

      Unfortunately it's not. It's structured as a big giveaway to for-profit insurance companies and big pharma. Hopefully that will get fixed before it banrupts us. I've been a big proponent of UHC for decade, but Obamacare is about the worse plan to implement it I've ever seen.

    42. Re:Oh, look! Just what the economy needs! by I'm+New+Around+Here · · Score: 1

      Thanks for the info guys. I don't really keep up on these things, since I'm not directly involved in those issues. I was working from memory of previous employers, years ago.

      I guess I should read up a bit soon.

      --
      If you think I voted for Trump because of this post, you're wrong. I voted for Dr. Jill Stein of the Green Party. Again.
    43. Re:Oh, look! Just what the economy needs! by MightyMartian · · Score: 5, Insightful

      The reason it's a steaming pile of shit is because you Americans are so afraid of the word "socialism" that you will implement the most ghastly, awkard and expensive medical systems simply because you're afraid that Jesus will puke in his cornflakes if you simply go to a universal system.

      --
      The world's burning. Moped Jesus spotted on I50. Details at 11.
    44. Re:Oh, look! Just what the economy needs! by Enry · · Score: 1

      At best, the requirements for date of parts of Obamacare being required are being pushed back. It doesn't mean that companies can't implement them now, it just means that they have to implement it by date X. If the date were being moved from 2015 to 2013, that would be a problem.

      This is a good thing for employers, not so much for employees outside MA, unless you work for a good company that already offers health insurance.

    45. Re:Oh, look! Just what the economy needs! by jcgam69 · · Score: 1

      With this new plan the government limits how much it will pay for procedures, which directly addresses the problem of healthcare costs. Providers must reduce costs across the board to compete.

    46. Re:Oh, look! Just what the economy needs! by jamesborr · · Score: 3, Interesting

      But you have to remember that a significant "influencer" on the democratic side of the legislation was the trial lawyers guild (hence no tort reform in the bill). If we truly "nationalize" the industry, you end up either throwing the trial lawyers under the bus, which would probably be the best case for the taxpayer, but not good for a significant source of democratic campaign cash -OR- you have the trial lawyers going after the government directly for malpractice payouts. The former might actually be a plus for nationalizing health care -- i.e. the majority wanted government to run and be responsible for doctors and nurses and hospitals and so forth -- no problem, but don't sue if anything untoward happens or perfection is not achieved when government bureaucrats make the decisions on what and how care is provided. The alternative is somewhat scarier to be honest. Mistakes happen (which it seems like they must), the same or even empowered trial lawyers guild steps in to sue the government, which then re-directs more taxpayer money to those harmed, with the trial lawyers take a percentage on, which cuts another chunk of that lucre back to the politicians -- wash and repeat -- and see how corrupt this process end up...

    47. Re:Oh, look! Just what the economy needs! by Enry · · Score: 1

      No, they'll be at an advantage to their employees, who now have better health coverage, and they no longer have to worry about complying with the regulations - they're already compliant and don't have to scramble and pay exorbitant fees for consultants to tell them what to do. Lower cost for the employer (i.e. greater profit), healthier employees, win-win all around.

    48. Re:Oh, look! Just what the economy needs! by aicrules · · Score: 2

      Not really arguing the point, but one reason would be that Mass population/demographics may not be a close enough reflection of the rest of the states in the union to be an accurate estimate of what would happen elsewhere. And the fact that it's "success" includes the highest premiums in the country makes success a subjective term.

    49. Re:Oh, look! Just what the economy needs! by TheGratefulNet · · Score: 1

      The law had some good parts to it...the sections pertaining to pre-existing conditions is good,

      yes, that was a great part; but how do we know that even this part will remain intact?

      (get out the flip-flops; I'm sure this meme will be resurrected again).

      --

      --
      "It is now safe to switch off your computer."
    50. Re:Oh, look! Just what the economy needs! by jratcliffe · · Score: 1

      Our 11 person firm had our policy cancelled due to ACA and we were forced to choose a different one for 30% more per year. Does anyone in Washington know who really creates jobs in this country? HINT: its not companies with more than 50 employees.

      Actually, yes it is. For a detailed discussion, see below, but the short version is that small companies don't disproportionately create net new jobs; _new companies_ do.

      http://www.inc.com/magazine/201209/bo-burlingham/who-really-creates-the-jobs.html

    51. Re:Oh, look! Just what the economy needs! by Jeremiah+Cornelius · · Score: 1

      "The two aims of the Party are to conquer the whole surface of the earth and to extinguish once and for all the possibility of independent thought"

      -- George Orwell, 1984

      --
      "Flyin' in just a sweet place,
      Never been known to fail..."
    52. Re:Oh, look! Just what the economy needs! by Petron · · Score: 3, Insightful

      People were being sold socialized medicine... but many didn't want it.

      I would much prefer transparency in medicine, insurance, and allow insurance to be purchased across state lines.

      --
      if (it != oneThing) it = another;
    53. Re:Oh, look! Just what the economy needs! by Sigmon · · Score: 1, Interesting

      You obviously do not realize that the REASON medical care is so expensive in the U.S. to begin with is largely because of government interference. The level of government regulation in the healthcare business (and healthcare insurance) nationally has been consistently INCREASING over the past 30 years or so... and it keeps getting more and more expensive. Are you seeing a pattern here?

      You liberal retards kill me. Additional government control fails to lower prices... What's your answer? MORE GOVERNMENT!

    54. Re:Oh, look! Just what the economy needs! by TheGratefulNet · · Score: 2

      as an older worker and one who is a contractor (so I'm 'conveniently' left out of the group discounts and plans) I'm paying close to $1k each month out of pocket!

      all I ask for is to be part of a group discount plan were we have power and safety in numbers. when you apply for individual plans, they ask a million very personal questions and you can still get a very high rate if you were unlucky enough to have a health problem.

      otoh, when part of a group plan, you don't have to do the questionairre. and you benefit from the total size of the group.

      companies can join groups; but individuals are not allowed to. THIS is the scam that needs fixing the most.

      --

      --
      "It is now safe to switch off your computer."
    55. Re:Oh, look! Just what the economy needs! by Culture20 · · Score: 1

      Just one more $2 ahh stick or $8 tylenol

      Tongue depressor. That's probably not even the technical term, but "ahh stick" had me confused for a bit.

    56. Re:Oh, look! Just what the economy needs! by similar_name · · Score: 1

      We live in a democracy. We have elections every 2 years. What is this certainty that keeps being brought up as a talking point. I don't understand. In 2016 we will have a different president. 2 years after that, 1/3 of congress changes. And then 2 years after that, oh my, the president may change again.

      Life's full of uncertainty, better not be a business man if you can't deal with uncertainty and risk.

    57. Re:Oh, look! Just what the economy needs! by TheGratefulNet · · Score: 1

      when I hit 50, my personal non-group insurance went up well over $100 more each month. I made no claims and didn't even use the insurance for anything significant (no operations, etc). but because of my age, they jacked up the price and I had no choice but to pay or lose it.

      this was long before obamacare.

      --

      --
      "It is now safe to switch off your computer."
    58. Re:Oh, look! Just what the economy needs! by TheGratefulNet · · Score: 1

      once your tally of bricks falls below a set limit, they send the work over to india or china.

      they WANT you to fail so that they have more excuses to outsource your job.

      --

      --
      "It is now safe to switch off your computer."
    59. Re:Oh, look! Just what the economy needs! by clarkkent09 · · Score: 1, Insightful

      "Simply go to a universal system" would mean higher cost for worse coverage, just like in UK. NHS costs about $5K a year per taxpayer. On top of it, if you are used to the level of care and service you get by the US healthcare system, you would be shocked at how poor the care is in the UK.

      --
      Negative moral value of force outweighs the positive value of good intentions.
    60. Re: Oh, look! Just what the economy needs! by jamesborr · · Score: 1

      Don't forget big legal -- hence no tort reform in the bill, not that malpractice insurance is that expensive...

    61. Re:Oh, look! Just what the economy needs! by jeffmeden · · Score: 1

      Thanks for the info guys. I don't really keep up on these things, since I'm not directly involved in those issues. I was working from memory of previous employers, years ago.

      I guess I should read up a bit soon.

      Healthcare is *everyone's* issue at this point, with or without government mandated/subsidized systems. The cost of living/dying in the US is staggering and the more individuals that are informed as to what is going on, the better chance we have at changing it before it bankrupts us (more).

    62. Re:Oh, look! Just what the economy needs! by Bartles · · Score: 2

      Yes healthcare does cost too much. I'm sure further separating the consumer from the supplier, and adding an additional middleman with access to a bottomless pit of taxpayer money will make it less expensive. That's always a recipe for success.

    63. Re:Oh, look! Just what the economy needs! by Bartles · · Score: 2

      I think you should look up the definitions of cost and price. They are not synonymous.

    64. Re:Oh, look! Just what the economy needs! by interkin3tic · · Score: 1

      You seem to be looking for a magic bullet that doesn't exist to a complex problem, then being unhappy with anything short of that magic bullet. Healthcare costs increasing have multiple causes. One is uninsured patients have to be treated and aren't left to die, but then they get to skip out on the bill. The mandate does address that problem. There are many other underlying problems as well, and obamacare has many other components BESIDES the mandate of course, addressing some of those other problems.

      Obamacare won't solve the problem completely, but that doesn't mean it's not going to help.

    65. Re:Oh, look! Just what the economy needs! by Sponge+Bath · · Score: 5, Insightful

      "Simply go to a universal system" would mean higher cost for worse coverage, just like in UK. NHS costs about $5K a year per taxpayer.

      Here is a better way of looking at it. Annual costs: US = $8233 per citizen (84% coverage), UK = $3433 per citizen (total coverage). Your "higher cost for worse coverage" is completely wrong and quoting cost per taxpayer is not an informative way to look at it.

    66. Re:Oh, look! Just what the economy needs! by cold+fjord · · Score: 5, Informative

      5 painful health-care lessons from Massachusetts - June 16, 2010
      Massachusetts struggles to rein in health care costs - Apr 30, 2011

      It’s a serious problem: Massachusetts boasts that 98 percent of its residents have health insurance, but the state is stricken by the highest health care costs in the country.

      Danger ahead? Massachusetts health costs are rising – fast. - February 9, 2013
      Massachusetts health care costs out of control as ObamaCare provision hits small business - Mar 4, 2013

      --
      much of left-wing thought is a kind of playing with fire by people who don't even know that fire is hot - George Orwell
    67. Re:Oh, look! Just what the economy needs! by Quila · · Score: 1

      Despite all the Democrats' talk about the people wanting Obamacare, these actions speak more loudly. They know the people won't like a fully-implemented Obamacare, so they are going to delay that until after the elections to protect themselves.

    68. Re:Oh, look! Just what the economy needs! by MightyMartian · · Score: 5, Interesting

      The NHS is a wreck for a lot of reasons. And really, it's a hybrid system, still allowing private health care in a limited form. Look to Germany, which has a universal system and manages it very well.

      And as to standards of care, well the problem in the US is that the standard of care is directly proportional to the kind of insurance you can afford. If you don't have good health insurance, or even health insurance at all, and you have a major medical crisis, you're in real trouble.

      I'm a Canadian, and while our system has its flaws, my experience with it has been very good. In 2006, my wife was diagnosed with thyroid cancer, had to have two surgeries, the lost one being a total thyroidectomy. My income was limited, we had two kids in grade school, and by the time of her second surgery the business I worked for had went under. We were able to keep our house (though finances were very stretched as I was on unemployment) and our credit rating and thus within a year or two, with a new job, we were able to deal with remaining debts incurred. In other words, a disease that may very well have proven ruinous in the United States was, in the Canadian universal system, not only survivable from a health point of view, but also a financial point of view.

      I make a lot more money now than I did seven years ago, and I suppose on a purely short-sighted selfish level I can grump about the amount of my taxes on top of premiums that I pay for health coverage, but having come out of a major medical crisis with my finances intact and without being saddled with a vast mortgage just to pay the bills, I can safely say even if the system cost me twice as much a month as it does now, I'd stick with the universal system any day of the week.

      --
      The world's burning. Moped Jesus spotted on I50. Details at 11.
    69. Re:Oh, look! Just what the economy needs! by RKThoadan · · Score: 1

      Taking care of this issue is the primary goal of the Healthcare Exchange/Marketplace that will be setup. Insurers cannot deny coverage OR CHARGE YOU MORE because of a pre-existing condition.

      Check out more information here: https://www.healthcare.gov/health-insurance-marketplace

      If I were you I'd be checking things out first thing on October 1st which is when it goes live. There will probably be a few glitches at first though

    70. Re:Oh, look! Just what the economy needs! by cold+fjord · · Score: 1, Informative

      The problem is that the people wanted socialized medicine and we got an insurance scam.

      No, "the people" didn't want socialized medicine. That is why the bill didn't come close to that, in the first place.

      The real problem is that healthcare costs too much in the first place. You can't just insurance that away. What we really need is for the federal government to tell the whole crooked industry, "Just one more $2 ahh stick or $8 tylenol and we nationalize the whole damned thing!".

      Using price controls to set the price below economic costs has a predicable outcome. You aren't just paying for the $.01 or less of wood in the stick, or the pill. You are also paying for facilities cost, utilities, staff, and likely part of the time of the nurse that might fetch it, as well as the doctor. And don't leave out the cost to treat people in the emergency room that don't pay.

      Socialized medicine isn't a panacea. The total healthcare budget is then in government hands, competing for money along with welfare and roads, defense and deforestation. Just a couple of stories, plenty more to see if you look.

      NHS starves 1,165 to death
      Don't leave patients in ambulances to hit A&E targets, hospitals told

      --
      much of left-wing thought is a kind of playing with fire by people who don't even know that fire is hot - George Orwell
    71. Re:Oh, look! Just what the economy needs! by gorzek · · Score: 1

      Correlation != causation.

      Countries with much more regulation of healthcare than the US have lower prices (and better outcomes!)

      Explain that, if you can.

    72. Re:Oh, look! Just what the economy needs! by JWW · · Score: 1

      Obama could solve this exorbitant cost issue in one fell swoop.

      The Justice department should take the chargemaster of a large American hospital (preferably a not for profit one) and compare the billing charges to an uninsured person to the billing charges for an insured person. The Insurance companies get preferential treatment and rates and all patients do not get treated (billed) equally by the hospital.

      This is racketeering and fraud, with all hospitals doing it, it is collusion. All hospital chargmaster documents are blatant lies that are not based on the actual costs of procedures, but are lists of how much they think they can extort from patients.

      Call it what it is, extortion, and take these assholes to court.

      But of course, the Justice department will not do that. Because its job in not to seek justice for the American people. At least that hasn't been its job for a long time.

    73. Re:Oh, look! Just what the economy needs! by pnutjam · · Score: 1

      Have you read through the price lists that were released awhile back? It is definitely indicative of the problem.

    74. Re:Oh, look! Just what the economy needs! by MightyMartian · · Score: 1

      Yes, heaven forbid that everyone get a base level of health care. The next step is sure to be Communism.

      The US already has plenty of socialist aspects; social security, unemployment and segments of your health care system are socialized. You seem to have little problem implementing socialized aspects to your safety net, but the word makes half of you act like you've just eaten frog's blood.

      --
      The world's burning. Moped Jesus spotted on I50. Details at 11.
    75. Re:Oh, look! Just what the economy needs! by compro01 · · Score: 4, Insightful

      "Simply go to a universal system" would mean higher cost for worse coverage, just like in UK. NHS costs about $5K a year per taxpayer.

      You are either completely unaware of how much the USA spends on healthcare or you're using some really inventive mathematics, because $5k/year is substantially less than what the USA spends.

      --
      upon the advice of my lawyer, i have no sig at this time
    76. Re:Oh, look! Just what the economy needs! by MightyMartian · · Score: 1

      I can barely parse that sentence. We're being imperialistic because we have a universal system and you keep making these Frankenstein's monsters out of a hodge podge of public and private coverage systems that cost far more than almost any other industrialized country's health care system?

      Hey, it's no skin off my back. Have any health care system you like. But one does have to stand in awe of such a wealthy country so utterly incapable over such a long period of time of implementing a reasonably effective health care system that gives a reasonable amount of coverage to all its citizens.

      Like I said, the Canadian and European systems are hardly perfect. But when I look at what an insane and haphazard system you have, I can't say I'd swap our system for yours.

      --
      The world's burning. Moped Jesus spotted on I50. Details at 11.
    77. Re:Oh, look! Just what the economy needs! by Maltheus · · Score: 1

      Forget socialism. Would you trust our congress to be in charge of your health care? Or anything else for that matter? And how crooked would they have to be, for that trust to evaporate?

    78. Re:Oh, look! Just what the economy needs! by MightyMartian · · Score: 1

      Private coverage in Canada is largely limited to private health plans that sit atop the public system. I have a company drug plan that pays 80% after annual premium. That's hardly a hybrid system.

      Yes, there are some private clinics, but they are so few in number and operate in such a legal grey zone that they really don't constitute any substantial aspect of the health care system.

      --
      The world's burning. Moped Jesus spotted on I50. Details at 11.
    79. Re:Oh, look! Just what the economy needs! by MightyMartian · · Score: 1

      And handing it over to private insurance companies has produced a better result?

      --
      The world's burning. Moped Jesus spotted on I50. Details at 11.
    80. Re: Oh, look! Just what the economy needs! by compro01 · · Score: 1

      It isn't, in relative terms.

      See Texas' tort reform. Resulted in a massive reduction in malpractice suits, a massive reduction in malpractice insurance premiums, but didn't do a damn thing about medical costs or the rate of increase thereof.

      --
      upon the advice of my lawyer, i have no sig at this time
    81. Re:Oh, look! Just what the economy needs! by Maltheus · · Score: 1

      When last I contracted (2008-09), and had to pay for my own insurance, I paid $180/month. Pretty sure that price has at least doubled, since the ironically named ACA passed, but even then it's just over $4000 a year. If what you're saying is true, and companies are wasting that much, then it's no wonder the (real) economy hasn't been able to recover.

    82. Re:Oh, look! Just what the economy needs! by Bill_the_Engineer · · Score: 1

      I agree. Forbes reported that the average employer contributed $4,508/yr towards single coverage.

      However, $3000/yr = $250/month is still cheaper than actually providing insurance and amount to nothing more than a tax on companies that refuse to provide health insurance to offset the expense of the expanded medicaid coverage. This sounds reasonable since the employers that don't provide health insurance tend to be the ones that offer low wages and the employees would be eligible for the expanded medicaid.

      Because the SCOTUS ruling allows states to refuse to expand medicaid, this caused complications since in those states the employers would be fined even though the state wouldn't use the money to cover the employees with medicaid. This may be the ultimate reason behind delay.

      --
      These comments are my own and do not necessarily reflect the views or opinions of my employer or colleagues...
    83. Re:Oh, look! Just what the economy needs! by Maltheus · · Score: 1

      Considering the ACA was written by a former VP from Wellpoint, and it gives the insurance companies a guaranteed income stream, mandated by law, I'd say we did precisely that.

    84. Re:Oh, look! Just what the economy needs! by Minwee · · Score: 1

      It's a good thing that no other country has tried anything similar with their health care. The costs would be astronomical.

      Right?

    85. Re:Oh, look! Just what the economy needs! by clarkkent09 · · Score: 1

      I spend substantially less than $5K/year and I have excellent insurance and have received outstanding care every time I needed it. I have lived under NHS before and I know the difference.

      --
      Negative moral value of force outweighs the positive value of good intentions.
    86. Re:Oh, look! Just what the economy needs! by MightyMartian · · Score: 1

      How are things working out for Canada? Well, let's see, we certainly weathered the 2008 calamity a helluva lot better than the US, so I'd say, on the whole, we're doing something pretty right.

      But hey, let's not let facts get in the way of a good narrative.

      --
      The world's burning. Moped Jesus spotted on I50. Details at 11.
    87. Re:Oh, look! Just what the economy needs! by Magius_AR · · Score: 1

      And handing it over to private insurance companies has produced a better result?

      You don't understand...routing all our healthcare costs through an opaque middleman (insurance companies) drove up costs by removing transparency, consumer choice, and competition. The solution to this is not to add an additional level of opaque middlemen (government). The solution is to expose the costs to the consumer. Do that, and these bullshit "Chargemasters" would go away from simple market mechanics. All Obamacare does is cement our existing shitty system by forcing us all to pay the artificial inflated costs that a bunch of assholes who aren't me negotiated behind my back.

    88. Re:Oh, look! Just what the economy needs! by gfxguy · · Score: 1

      The private companies get hamstrung by congress; but yes, in general, when they actually have to compete with each other, I would expect a better result.

      --
      Stupid sexy Flanders.
    89. Re:Oh, look! Just what the economy needs! by jeffmeden · · Score: 1

      When last I contracted (2008-09), and had to pay for my own insurance, I paid $180/month. Pretty sure that price has at least doubled, since the ironically named ACA passed, but even then it's just over $4000 a year. If what you're saying is true, and companies are wasting that much, then it's no wonder the (real) economy hasn't been able to recover.

      Employer sponsored, pooled insurance with what most people call "Acceptable" deductibles and yearly out-of-pocket limits are in the $5000-$6000 for singles, and often over $10000 for families of 2 or more. What you purchased was probably "catastrophic health insurance" which is more consistent with the typical definition of "insurance" but does not cover much in terms of everyday prescriptions, routine doctor visits, or urgent care visits. And those plans have been seeing at least 10% y/y growth since the mid-90s up to and including since the ACA passed; "skyrocketing healthcare costs" have been around for a lot longer than most Obamacare critics can remember.

    90. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      You'll need to do better than an AC saying 'Huh UH" to refute my claims. The UK spends HALF as much per capita as the U.S. (indigents and all) and gets better results.

      Any more excuses?

    91. Re:Oh, look! Just what the economy needs! by MightyMartian · · Score: 1

      And hey, if the poor die for lack of medical care, why that's the American way!

      --
      The world's burning. Moped Jesus spotted on I50. Details at 11.
    92. Re:Oh, look! Just what the economy needs! by Magius_AR · · Score: 2

      And how much did it go up in the years before obamacare was passed?

      How is that relevant? Healthcare costs are (and have always been) the pressing issue in this country. If the bill failed to address said escalating costs in any positive way, I'd still call it a failure (i.e. lack of change is equivalent to failure).

      Seems like the rate of inflation in health care insurance is slowing to a historically low level of 4.5%:.......YMMV, but nationwide the trend is getting better not worse.

      Slowing or relocating? These costs aren't mysteriously disappearing, they're shifting (to the government, and to employers, and to youthful taxpayers that previously had no insurance). You can't just look at the cost of insurance in a vacuum. "Total system cost" is what I care about. As far as I can see, at best all we did was move around the deck chairs on the Titanic, remaining fully ignorant of cost controls. At worst, we spent a ton of money doing nothing or making it even worse.

    93. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      No, it's not and I certainly never said it was. It's also hospitals charging outrageous prices to uninsured in order to game the system. It's doctors failing to even know what things cost, much less bothering to treat patients cost effectively (a major failure of professionalism). It's insurance companies being allowed to foist their extremely complex billing procedures (with their associated costs) upon any medical practice. It's the patent system allowing evergreening with the FDA helping it along.

      All of that though can be summed up as fix it or get fixed. If they actually faced that as a credible threat, I'm fairly sure they could find a way to cooperate and get the job done.

    94. Re:Oh, look! Just what the economy needs! by slew · · Score: 3, Insightful

      The part of the law that makes sense is that there is no 'individual mandate' provision.

      This is the part of the affordiable care plan that makes it "affordable".

      The idea behind insurance, it is pooled risk (not a right although it might be argued that access to healthcare is a right). The notion that insurance is the only thing that can assure access to healthcare is the root of the complication. Insurance is merely a financial responsiblility you have to yourself and your family. As with most responsiblities, the more we distort it into a right or a requirement, it loses the ablity to function the way it was intended.

      Insurance premiums go in to a pool and claims are paid out (okay, there is generally an investment component, but let's ignore that for now). For an insurance to be viable, the claims and premiums must balance over time that's why the pools have to be large to average out variation. By definition, on average, people must pay in as much as the average expected claim value. The whole social engineering part of this is that not everyone can afford to pay for their expected claim value. The attempt to "socialize" this is to require folks that have a negative expected net value for insurance enter the pool to subsidize the folks that cannot afford their expected claim value. Otherwize it will not be affordable to folks that expect to have more claims than the premiums they pay.

      Sadly, most folks expect they should be able to have more claims than the premiums they pay or they won't play. Or more perniciously, they attempt to overclaim to get the value that the "deserve". This desire basically ignores reality and destroys the model.

      My opinion is that we probably really need a hybrid system. With the current environment, a small (but growing) set of doctors are going back to "cash-patients". The overhead of insurance processing, and the low-reimbursment rates of medicare really signal that we are pretty far off the market level. Perhaps decoupling catastrophic health insurance from more common preventative health insurance will help. Maybe it should be formulated like flood or earthquake insurance into too-big-to-fail, but still optional pools. All other preventative health insurance should be "market", with subsidies for those that cannot afford it. Trying to combine all this stuff into one policy ignores the unknown catastrophic risk profiles that exist, but still should be socialized.

      Sadly, the Affordable care act makes subsidized high-deductable insurance plans non-conforming (both employee and employer need to pay a fine to the irs as if you didn't have any insurance). This was intended to force young healthy folks to subsidize the insurance pools. Unfortunatly, it seems that this is a highly regressive policy, yet one tailored to garner the maximum amount of support rather than to actually attempt to solve a problem. Of course the reason was done this way was to promote certain social agendas (requiring coverage for certain procedures and medical services). That is the mess you get when you put too much in the same pot.

    95. Re:Oh, look! Just what the economy needs! by matthewd · · Score: 1

      Well, businesses now have to decide whether or not they continue with plans to provide health insurance to their employees or cancel plans if they have already signed up. The mandate is still there, it is just that without any reporting requirement in place, the government has no way of determining the penalties that apply.

      Imagine you are a business owner in a highly competitive industry where payroll overhead costs are one of the major factors in the prices you charge your customers. Do you provide coverage, jacking up your prices, and risk being undercut by competitors who don't provide coverage to their employees?

      One of the first things I've wondered is would it be possible for employees to file suit against their employers for not providing health insurance coverage as per the law requires. The initial report from Bloomberg indicated that the law provides flexibility for the government to determine when to start enforcing provisions in section 1513. A quick skimming of the section though indicates it goes into effect for all months after Dec. 31, 2013. I couldn't find any such flexibility. By law the mandate remains--can employers be held liable for not complying with it even though the government is not enforcing penalties? This needs to be clarified.

      At the individual level: employees up until now may have been able to assume that their employer would provide coverage. Now that is up in the air, and many people who don't have coverage and might have been planning on signing up for coverage through their employer have to assume that they will either not get insurance and have to pay a penalty, or they will have to sign up for coverage through an exchange. For the later option, will they get a subsidy to help pay for coverage? No one can tell a this point.

    96. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      So what about the many who don't have government insurance? The whole industry will just grudgingly accept what the government pays when it must and jack up the price everyone else pays. Now if you were to expand government insurance to cover EVERYONE, we'd be where we wanted to be.

    97. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1
      That particular brand of corruption happens anyway, it's just that the government gets to be out of the loop now, so there's less legislative pressure to fix it so they can look good.

      We must be careful with tort reform. At the same time we don't want people brought back from the brink of death with a minor limp to get millions in malpractice, we also don't want an actual medical mistake to plunge a family into poverty.

    98. Re:Oh, look! Just what the economy needs! by cold+fjord · · Score: 1
      --
      much of left-wing thought is a kind of playing with fire by people who don't even know that fire is hot - George Orwell
    99. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      Many, including doctors call them that.

    100. Re:Oh, look! Just what the economy needs! by AvitarX · · Score: 1

      If the $8k/year/citizen number is correct, it still seems likely that the UK is less expensive per a taxpayer.

      Additionally, for the 16% uncovered in the US system, I'd assume the UK is definitely better. Also, having had a few different insurance plans in the US, I'd point out that the UK system was better than 2 out of the 3 plans I've had. It is true that for a small portion of the population the US system is dramatically better, and many it's slightly better though. This is also why the US system is making moves more towards a system like the French, or the Swiss, where the coverage is 100%, the cost (per citizen, which should proportionally be about per tax payer) is $5k, vs the $8k in the US (and as good as low end insurance is here in the US at a minimum).

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    101. Re:Oh, look! Just what the economy needs! by sjames · · Score: 2

      Except that everywhere in the first world that has been done has cheaper and more effective healthcare than the U.S.

      So empirical evidence suggests it *IS* a recipe for success.

    102. Re:Oh, look! Just what the economy needs! by sjames · · Score: 2

      Everywhere in the 1st world that has either nationalized healthcare or health insurance has done much better than the U.S. with costs typically around half and quality meeting or exceeding our standards.

      It works. The evidence is sitting right there.

    103. Re:Oh, look! Just what the economy needs! by HornWumpus · · Score: 1

      These are bottom feeder companies and bottom of the barrel employees we're talking about.

      If they leave, fine. There are a dozen more just like them outside.

      --
      John McAfee 'It was like that time I hired that Bangkok prostitute; to do my taxes, while I fucked my accountant'
    104. Re:Oh, look! Just what the economy needs! by AvitarX · · Score: 1

      Technology is making an individual mandate a requirement for a functional system going forward.

      As more things become testable, less people will be incentivised to be in a group at all, this will drive up the cost for those at risk for various diseases. Insurance works best if everyone participates, medical tests will reduce participation.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    105. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      Socialized medicine has managed to keep the real costs to around HALF what we pay in the U.S.

      Compare your links to the average lifespan being years shorter in the U.S. and the bazillion articles about issues people in the U.S. have with their medical care, or the lack of it.

      Quite frankly, if Santa existed and was exactly as children believe, there would still be one or two negative stories in the press.

    106. Re:Oh, look! Just what the economy needs! by AvitarX · · Score: 1

      Agreed, there's a lot of greedy doctors working to artificially limit the supply of doctors (look at how many they (the doctors) allow per capita in the US vs other countries). We pretend that the US healthcare system is a market, but it's clearly not, it's regulated (both self and by the government) to be specifically expensive.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    107. Re:Oh, look! Just what the economy needs! by ranton · · Score: 3, Informative

      It's a good thing that no other country has tried anything similar with their health care. The costs would be astronomical.

      Right?

      No other country has tried to do something similar to Obamacare. Obamacare does not address any of the actual causes of the ever rising health care costs in the US, it just adds more people to the existing bloated system. It also increases regulations that will probably get rid of many low cost individual health plans, thus increasing costs even more (although quality of care will also increase).

      The things that help other countries keep their costs down, such as better malpractice laws, lower salaries for doctors and nurses, subsidized research paid for by US healthcare consumers, etc. are not addressed in any meaningful way.

      --
      -- All that is necessary for the triumph of evil is that good men do nothing. -- Edmund Burke
    108. Re:Oh, look! Just what the economy needs! by sjames · · Score: 2

      I'm not blaming Romney. I'm pointing out how funny it is to watch republicans scream in horror about implementing a plan their fellow Republican created and likewise how spineless the Democrats are for implementing a Republican's plan as their own.

      Had Romney been elected, we'd likely have gotten the same bad plan, but with Republicans cheering for it and Democrats rending their garments.

    109. Re:Oh, look! Just what the economy needs! by Rockoon · · Score: 1

      At this rate, it'll never get instituted!

      --
      "His name was James Damore."
    110. Re:Oh, look! Just what the economy needs! by AvitarX · · Score: 1

      The prices are not set because that's what they need to be to keep service, they prices are currently set to as high as possible. You only need to look at the profitability of the industry to see that. A large part of the reason it works (keeping prices to high) is that there are not enough practitioners in the US (look at doctors per capita for developed countries). It's a market, but it's a strongly manipulated market, as those that benefit from the lack of doctors are the ones that set the numbers.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    111. Re:Oh, look! Just what the economy needs! by Anonymous Coward · · Score: 1

      Massachusetts boasts that 98 percent of its residents have health insurance, but the state is stricken by the highest health care costs in the country.

      A huge improvement on the 95% coverage before Romneycare, and well worth the doubling of my premium since implementation.

    112. Re:Oh, look! Just what the economy needs! by Rockoon · · Score: 1

      So you either are feigning ignorance posting your 20% figure and complaining about a very small difference in cost for a huge improvement in your employees, or you're really ignorant about basic economics and math.

      Doesnt sound to me like there was any improvement at all for his employees. They had insurance before, and they have insurance now.

      Now who is being disingenuous?

      --
      "His name was James Damore."
    113. Re:Oh, look! Just what the economy needs! by cayenne8 · · Score: 1
      Not to mention, in the US, obamacare gives everyones healthcare over to be controlled by the very govt that has never been able to run Medicare/Medicaid under budget, nor have they been able to root out the hugely widespread corruption and fraud in those systems.

      I hate going to the DMV to wait for hours for a new license or other change...now, I'll get that same service for my medical needs???

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    114. Re:Oh, look! Just what the economy needs! by cod3r_ · · Score: 2

      Actually went up 20% from the start, but we do it on a yearly basis. So now that we are renewing it is going up another 25% and they said plan on another 30% next year. We are shopping all the coverages to minimize the damage, but it's the insurance people who are blaming Obama care.. It's probably just BS and how insurance companies are all in on the idea of milking it because people don't know exactly what Obama care is.. For the short term it has increased costs significantly.

    115. Re:Oh, look! Just what the economy needs! by cayenne8 · · Score: 1

      Everywhere in the 1st world that has either nationalized healthcare or health insurance has done much better than the U.S. with costs typically around half and quality meeting or exceeding our standards.

      Trouble is...what we got with obamacare fits neither of the models other countries have, and we took what was bad and have now just made it worse, and more $$$$.

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    116. Re:Oh, look! Just what the economy needs! by cod3r_ · · Score: 1

      Actually looks like it's going up another 25% this year.. then next year they are saying it is going up another 30%.. We renew annually. All of the insurance carriers are doing it. Maybe it's just the insurance companies BS, but in the past 6 years it has not fluctuated like this. Now all of a sudden it is rapidly going up. Also the insurance broker we use will not longer be able to broker for us AKA make money from the insurance companies. So now on top of insurance fees we have to pay these people to manage our plan. So all of the actual costs to businesses is still foggy. Bottom line if you ran your business legit and offered employees this health care benefit you are going to suffer.

    117. Re:Oh, look! Just what the economy needs! by AvitarX · · Score: 1

      isn't the way insurance works by spreading cost?

      What you describe sounds like a good first step (pull people at lower risk into the insurance pool).

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    118. Re:Oh, look! Just what the economy needs! by compro01 · · Score: 1

      I spend substantially less than $5K/year

      I rather suspect you're not including employer contributions in that $5k nor tax dollars spent on medicare/medicaid.

      In total expenditures (public+private), the USA spends more than twice as much on healthcare as the UK does.

      --
      upon the advice of my lawyer, i have no sig at this time
    119. Re:Oh, look! Just what the economy needs! by publiclurker · · Score: 1

      The only pattern I see is how self centered teabaggers keep on blaming the government for their own fuckups. apparently, personal responsibility is when everyone else is supposed to take responsibility for the greed and incompetence of these self-centered spoiled children in over-sized adult bodies.

    120. Re:Oh, look! Just what the economy needs! by cayenne8 · · Score: 1

      I keep trying to argue with co-workers that a good society is one that has compassion for its weaker members (old, sick, unemployed, etc). most understand the notion of compassion. too bad we can't re-take back our word and give it a positive connotation.

      We already did that stuff with SS, medicare/medicaid, and unemployment benefits.

      If you're young enough and healthy enough, you should be working out there hard to earn money and support yourself, and save money for routine healthcare like you do for any other need (food, shelter, etc).

      But now the govt is forcing money out of my pockets to pay for lazy fucks that can't get out, educate themselves and learn to get a job that pays well and has benefits?

      If you're flipping burgers at McD's for a living, you made some serious vocational judgement errors, and I should have to pay for your mistakes. Min. wage jobs are meant for college and HS students that aren't living on their own.....first jobs for kids and all.

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    121. Re:Oh, look! Just what the economy needs! by cayenne8 · · Score: 1
      Just to point out.

      Even under obamacare...we STILL won't have 100% coverage for everyone.

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    122. Re:Oh, look! Just what the economy needs! by JayWilmont · · Score: 1

      You are conflating public and private spending. If you are an 'average' american, you would 'only' spend about $4200/year on healthcare - but part of the problem with the costs in the USA is that the government is also spending on average $4000/year. So our total per-person costs are about $8,200 per person/per year. In comparison, the total public & private costs are about $3400/year.

      This means if we were able to wave a magic wand and instantly implement the NHS for the USA, we could both give everyone free healthcare and lower taxes.

      (Numbers are all 2010 figures from: http://www.pbs.org/newshour/rundown/2012/10/health-costs-how-the-us-compares-with-other-countries.html)

    123. Re:Oh, look! Just what the economy needs! by cayenne8 · · Score: 1

      Yes, heaven forbid that everyone get a base level of health care

      I hate to break this to you Sparky...but even under obamacare, we won't have 100% coverage on the whole population either.

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    124. Re:Oh, look! Just what the economy needs! by radarskiy · · Score: 1

      We Americans are already imperialistic assholes. It's time to show those Yurpeans how it's done.

    125. Re:Oh, look! Just what the economy needs! by Uberbah · · Score: 1

      The reason the medical system is messed up is because of the laws, regulations and monopoly protections enforced on the entire sector by the government.

      Riiight. That's why countries with socialized (i.e. most regulated) health care have far lower costs than we do with far better outcomes. But I guess you gotta ignore the elephant of shareholder profits in the room too keep up that Randian storyline....

    126. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      Exactly that sort of thing. That is truly outrageous and cannot be justified as anything but thievery.

    127. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      Of course it isn't free, the costs get covered somewhere be it taxes or out of pocket.

      However, I think it's perfectly reasonable to expect reasonably priced healthcare. Insurance necessarily cannot reduce the total cost, that's not how insurance works. It's great for those expensive events that only some people run in to, but it can only make already overpriced routine care more expensive.

      We spend DOUBLE what the U.K. does per capita and get worse results. Fix that and the rest will tend to fix itself.

    128. Re:Oh, look! Just what the economy needs! by HeckRuler · · Score: 3, Insightful

      This. I can't stress enough that this is the ringing bell of truth.

      Our healthcare system has to change. That's for sure. Obama promised a lot. But by the time the econopocalypse creeped back from doomsday levels, what he proposed was not healthcare reform, but health insurance reform.

      (Which, hey, is also desperately needed. This bullshit with pre-existing conditions and the ways that health insurance companies absolutely screw people over and kill them has to stop. There are some really good measures in the bill that would fix some of the more glaring issues. )

      But it doesn't address the root of the problem. Tack on "medical" to anything and the price jumps a factor of 10x to 100x. And all the places that buy medial equipment, or hire medical staff, or hand out sterilized medical two by fours for therapeutic beatings are spending "other people's money". There's absolutely no consideration about the cost of this stuff. Indeed, the worry that they'd be sued for using the $2 syringe instead of the $25 syringe makes them prefer the expensive option. And the fact that they earn a percentage of the total cost of the transaction doesn't hurt.

    129. Re:Oh, look! Just what the economy needs! by phantomfive · · Score: 1

      This is a quick review of what tyranny looks like; Pay what the Gov't says or you are a criminal as there is no other option but to leave the country.

      That's basically how it's been for 200 years.....Henry David Thoreau was protesting taxes that were being spent on the Mexican-American war when he began writing Civil Disobedience.

      Wherever you go, you're going to have to live with other people, and sometimes they will decide to do things you don't like. That's why government is hard.

      --
      "First they came for the slanderers and i said nothing."
    130. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      Exactly my point.

    131. Re:Oh, look! Just what the economy needs! by Uberbah · · Score: 1

      The solution is to expose the costs to the consumer. Do that, and these bullshit "Chargemasters" would go away from simple market mechanics.

      So....reinvent the wheel to keep pleasing the Free Market Fairy, and go on ignoring the fact that socialized medicine produces better outcomes for a third the cost?

    132. Re:Oh, look! Just what the economy needs! by Uberbah · · Score: 1

      Neat trick, substituting the cost of one person for the average cost per person and hoping no one will notice. And when your health care costs start to drastically increase in 10, 20 or 30 years, what then, Slick?

    133. Re:Oh, look! Just what the economy needs! by clarkkent09 · · Score: 1

      Since I am not part of a borg collective I do not care about the cost per average person. It is not a trick, it is a different way of looking at the society: individuals engaging in cooperation on voluntary basis when it suits their individual interests, versus state coercion to achieve better statistics by sacrificing some for the sake of others.

      --
      Negative moral value of force outweighs the positive value of good intentions.
    134. Re:Oh, look! Just what the economy needs! by Uberbah · · Score: 2

      No, "the people" didn't want socialized medicine. That is why the bill didn't come close to that, in the first place.

      Do you ever spend time here on planet Earth? Just asking. Because the laws and policies we get have little to nothing to do with what the public actually wants. Like how the Public Option had 80% support from the public with next to no support from either party, but the PO went nowhere. Whereas policies like telecom immunity, bank bailouts and health insurance mandates sail right on through, despite being hated by the left, right and center.

    135. Re:Oh, look! Just what the economy needs! by clarkkent09 · · Score: 1

      I'm self employed so I am very well aware of the employer contribution as I pay both. It is irrational to expect that you can expand coverage without increasing the cost.

      Can you explain to me by what magic trick (if we switch to a single payer system) the coverage can be made universal while maintaining the same standard of care, without people who pay for it paying more?

      --
      Negative moral value of force outweighs the positive value of good intentions.
    136. Re:Oh, look! Just what the economy needs! by Altus · · Score: 1

      My premium is lower than ever in Mass.

      --

      "In America, first you get the sugar, then you get the power, then you get the women..." -H. Simpson

    137. Re:Oh, look! Just what the economy needs! by Uberbah · · Score: 1

      This is the part of the affordiable care plan that makes it "affordable".
      The idea behind insurance, it is pooled risk

      The problem with that theory is that high costs have little to do with "risk pools" and everything to do with increasing shareholder profits. That's why doctors in states that have passed corporate liability limits, I mean "tort reform", pay just as much for malpractice insurance as doctors in states without "tort reform".

    138. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      I really should invest in tinfoil futures.

    139. Re:Oh, look! Just what the economy needs! by RedBear · · Score: 1

      I respectfully disagree that it is just an IT delay. Problem will still be here in 2015 and people will still not want to sign up, plus the insurance cost raises will continue in at least double digits, so this is ALL ABOUT reelecting Demos in 2014 midterms.

      Obama, on the other hand, wants a broken system where everyone bitches, because he fully intends as he has said on camera before becoming President, that he wants to go to a single payer system (100% Gov't run healthcare), but just can't get there all at once.

      And in the end that means the Federal government and its enforcement arm, the IRS, will take whatever they need from you and me to support the care they give to everyone, whether we like it or not.

      This is a quick review of what tyranny looks like; Pay what the Gov't says or you are a criminal as there is no other option but to leave the country. New Zealand, Australia, Chile; they are all looking better.

      I don't think I will ever understand this attitude about universal government-run health care being some sort of horrible tyrannical thing. I have tried and tried and tried, but I just don't get it. Is it that you don't understand or accept that you are part of this "everyone", and that you yourself would benefit from such a system, no matter what your income level? Are the taxes that are taken from you and used for schools, roads, police and military forces and other public infrastructure also "tyrannical" in nature? Last time I checked the people who represent us to our government voted for all such taxes, so... I'm really struggling to understand how one more infrastructure tax voted for by the people and/or the peoples' representatives qualifies as tyrannical. Or is it that do you not consider a functioning health care system to be essential to a modern social infrastructure? It certainly is not "taxation without representation". Just because you were in a minority that did not approve of the tax does not suddenly turn freely-elected President Obama into King George III, Tyrannical Ruler-for-Life of the 50 American Colonies.

      I guess what we need is universal health care with the ability for short-sighted individual assholes to opt out. The catch being if you opt out and can't pay for services with your own cash or private insurance you will be denied access to any health services, including the "free" emergency room service (which of course is not free at all, but payed for by taxes and/or higher insurance premiums). If you want to be independent of society then it is not society's job to keep you from dying on the sidewalk outside the hospital. I can't imagine why you would want to live in any country that would let people die because they can't afford expensive health care, but since that seems to be exactly what you desire, perhaps you should move to one of those "free" countries you mentioned. Just don't come crying back to us when those countries also pass universal health care legislation. Because it seems like every developed, supposedly civilized nation has been moving in that direction for several decades, and none that I know of have dismantled their universal health care to return to completely privatized health care.

    140. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      The sad thing is that the Democrats did push it through in spite of it being right out of the Republican playbook. Even sadder is the way the Republicans condemn it in spite of that simply because a Democrat suggested it.

    141. Re:Oh, look! Just what the economy needs! by Uberbah · · Score: 1

      5 painful health-care lessons from Massachusetts - June 16, 2010
      Massachusetts struggles to rein in health care costs - Apr 30, 2011

      Yes, excellent summaries on why basing your health care around a for-profit system is a disaster. But he was talking about non-profit and single payer....

    142. Re:Oh, look! Just what the economy needs! by Richy_T · · Score: 1

      Yes. Everyone should have an equal opportunity to die from lack of medical care.

      (Except the rich will always be able to afford something better of course).

    143. Re:Oh, look! Just what the economy needs! by dmr001 · · Score: 1

      New Zealand, Australia, and Chile all have compulsory government-mandated healthcare (and still manage to spend less than we do with reasonable outcomes). I suppose it's possible that Obama came up with the ACA in order for it to fail so he could move us to a socialized system - supposing he could convince Congress based on that failure to pass such a system. Which doesn't seem real likely when think about it, does it? I think you can make some arguments about tyranny in the US, but I don't think the ACA is a very convincing argument. (More than, say, compulsory car insurance.)

    144. Re:Oh, look! Just what the economy needs! by Goody · · Score: 1

      Not sure where the uncertainty is. Says right there - January 1, 2015.

      "Regulatory uncertainty" are right wing code words for "non-Republican President and non-Republican majority House and Senate".

      --
      Tired of being "punished" by the Slashdot $rtbl since 2002. I'm now over at http://soylentnews.org/ .
    145. Re:Oh, look! Just what the economy needs! by MightyMartian · · Score: 1

      Well aware of it. That's my central point, that this fear of the mere mention of socialism leads to gawdawful solutions that still don't accomplish what everyone knows needs to be done. Obamacare is certainly a step in the right direction, but won't do very much to make the system cheaper, so it will still end up being a bigger drag on GDP than pretty much an other industrialized country's health care system.

      --
      The world's burning. Moped Jesus spotted on I50. Details at 11.
    146. Re:Oh, look! Just what the economy needs! by weszz · · Score: 1

      we get hammered on this... our cost is higher then the price medicare pays... and we are the biggest provider for medicare patients in the state, because we will not turn people away that are on medicare like many other systems in the area that just won't take the people because for instance, for a small practice , they can only see so many medicare people, or they can't cover their own costs.

      you pay more for them to stay afloat.

    147. Re:Oh, look! Just what the economy needs! by Roachie · · Score: 1

      Im very concerned about our East Asian front.... if only there were some way to flank them. ( stares at chessboard )

      --
      This sig is not paradoxical or ironic.
    148. Re:Oh, look! Just what the economy needs! by sjames · · Score: 3, Insightful

      yes, game the system. As in convincing non-medicare insurers to pay a bit more.

      Perhaps you should push back on those costs a bit harder. For example by not letting doctors write $500 prescriptions when a $4 one will do the job, not allowing every test in the book when a stethoscope will yield the answer, etc. Don't allow $100 dollar lab tests that any high schooler could perform in 10 minutes with $2 in supplies. Make doctors wash their hands for God's sake (a real problem sadly enough). If people didn't hear so much about deaths from hospital acquired infections they might be less concerned with the bright and shiny (which they mistake for evidence of cleanliness).

      I have no doubt people who can pay their bills don't. They see an OTC painkiller going for $8/pill and feel ripped off. People tend not to pay when they feel ripped off.

      The fact that every other country manages to cost half as much as here (including indigent care) demonstrates that it can be done. If you're not the problem, point out the part that is and let's fix it. But be very sure you're not the problem first. People actually ARE dying over it.

    149. Re:Oh, look! Just what the economy needs! by UnderCoverPenguin · · Score: 1

      It's doctors failing to even know what things cost, much less bothering to treat patients cost effectively

      While there are some doctors that are like this, not all. More likely the insurance companies dictating how doctors treat patients.

      Example, my girlfriend's doctor knows that treatments "A" and "B" do not work for her, but the insurance company won't cover "C" unless the doctor tried "A" and "B" first. Even though this has happened many times, with the doctor providing all the supporting documentation each time, the (same) insurance company continues to not allow skipping directly to "C". Just the combined costs of "A" and "B" are more than the cost of "C", then add in other costs because my GF is sicker than she was when she saw the doctor. So it is not a case of the doctor choosing "C" over "A" or "B" because some pharma (or other) rep gave him a free lunch, it is the insurance company's pedantic refusal to deviate from their "formulaic care plan". (if the patient is allergic to a treatment, they will allow a deviation, lack of effectiveness is not enough)

      Unfortunately, Obama's comments have encouraged this practice of formulaic health care, which is reducing doctors to the role of diagnosticians.

      --
      Don't try to out wierd me, three-eyes. I get stranger things than you, free with my breakfast cereal. --Zaphod Beeblebr
    150. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      That too is a problem and should be forbidden since the insurance company is not a doctor and even if it has one on staff, he/she has not examined the patient.

      However, the other problem has been documented as well. In one experiment I read, when the cost of lab tests is included on the order forms, doctors tend to request 15% less tests.

    151. Re:Oh, look! Just what the economy needs! by compro01 · · Score: 1

      It is irrational to expect that you can expand coverage without increasing the cost.

      Can you explain to me by what magic trick (if we switch to a single payer system) the coverage can be made universal while maintaining the same standard of care, without people who pay for it paying more?

      Economies of scale? Increased purchasing power? It's not a magic trick anymore than making a pencil disappear is.

      I suppose you think it's fucking magical that Dell can buy components cheaper than you can when they're ordering stuff in lots of millions.

      --
      upon the advice of my lawyer, i have no sig at this time
    152. Re:Oh, look! Just what the economy needs! by cold+fjord · · Score: 1

      If you actually followed the discussion, it was about the healthcare plan in Massachusetts originally passed by then Governor Romney.

      I'm not sure how you came up with "non-profit and single payer" as being the topic. Is this one of your observations from being on "planet earth?"

      If you think that single payer systems don't have struggles, including price, you aren't paying attention.

      --
      much of left-wing thought is a kind of playing with fire by people who don't even know that fire is hot - George Orwell
    153. Re: Oh, look! Just what the economy needs! by kwbauer · · Score: 1

      In some parts of the country for certain specialties, it has approached $1 million US per year. It was so bad in Nevada that Ob-Gyns i Las Vegas were refusing new pregnancies and women were driving 120 miles to St.George, UT. You see, if they decided to no longer do baby deliveries, then their premiums went back down to the reasonable level in the 10s of thousands.

      I had a doctor in Wisconsin (family practice in a small town) tell me about 4 years ago that he was paying around $30,000 for malpractice insurance. He has never even been sued for malpractice, let alone had to have his insurer pay out. That was roughly 12-15% of his gross. So yes, malpractice insurance is quite expensive.

    154. Re:Oh, look! Just what the economy needs! by kwbauer · · Score: 1

      but that's what they are doing. It is called the Affordable Care Act.

    155. Re:Oh, look! Just what the economy needs! by Bartles · · Score: 1

      Look at how affordable that technique has made college. This is the US, not "everywhere in the first world".

    156. Re:Oh, look! Just what the economy needs! by hairyfeet · · Score: 1

      Well I can say its already affecting common folk, I know a LOT of guys whose employers won't give them a 40 week check no matter what just because they don't want or can't afford Obamacare.

      No matter which side of this you are on (personally I think a combo of single payer and a revamp of the entire medical and insurance industry is called for, prices have been shooting up too high for most to afford) passing Obamacare without any real controls on prices was just stupid, it left waaaay too many at the bottom with no way to get ahead, too many employers that now will never allow a 40 hour week worker, the whole thing is just a mess.

      --
      ACs don't waste your time replying, your posts are never seen by me.
    157. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      That's why it shouldn't be done stupidly like we do with student loans. Rather it should be done intelligently.

      For example, it the student loans were paid to the school contingent on the school meeting appropriate prices, it would work better, like higher education works in many places.

      So unless you mean to imply that something in the U.S. damages the brain, we can certainly make it work here by copying a functional system rather than adapting our own failed schemes to yet another area.

      The other alternative is to withdraw completely. No licensing, no FDA, no DEA, no drug patents at all, no nothing.

    158. Re:Oh, look! Just what the economy needs! by prestonmichaelh · · Score: 1

      I'm from the US and my current plan if my wife gets cancer is to withdraw all money I can from all my accounts, bury it in jars in the backyard and declare bankruptcy.

    159. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      If people in the other countries are dying on the waiting list, why do they live longer than people in the U.S. on average? The funny thing about those long waiting periods that are cited, they typically turn out to be unsupported claims made by people who have never even visited the countries in question or they are talking about elective procedures.

      Note that in many countries you have the option of getting it done sooner by paying out of pocket or using private supplemental insurance, but the complainers seem willing (if not happy) to wait. Perhaps the non-socialized medicine really is too expensive even if they're in a hurry. The funny thing is that in those countries, private care also tends to be less expensive than in the U.S. simply because their customers have an option.

      What is not debatable is that any healthcare you can't afford is exactly as good as no healthcare at all. That also applies to medical innovations, they are worthless if you can't afford them. However, without the distorting effects of our half regulated system, perhaps better ways to innovate can be found or we can invest in those innovations as a society (and invite the other countries to chip in).

    160. Re:Oh, look! Just what the economy needs! by slew · · Score: 1

      This is the part of the affordiable care plan that makes it "affordable".
      The idea behind insurance, it is pooled risk

      The problem with that theory is that high costs have little to do with "risk pools" and everything to do with increasing shareholder profits. That's why doctors in states that have passed corporate liability limits, I mean "tort reform", pay just as much for malpractice insurance as doctors in states without "tort reform".

      The problem with the simplistic insurance shareholder profits theory is that it doesn't really explain non-profit insurance companies (like blue-shield of california, kaiser permanente). If the for-profit one were simply just jacking up the premiums for shareholder profits, you might think that the non-profits would be able to simply undercut them and steal their business. The reality was that most insurance entities were probably simply just stockpiling reserves because they could (via collusion and impotent state regulators) and they could invest those reserves to improve profits.

      Although in some states, insurance regulators had the ability to enforce limits on loss-ratio or limit rate hikes, most did not actually choose to do so. One aspect of the affordable care act attempted to federalize the limit of the loss ratio. Sadly, there was really no guarantee that this would make insurance any more affordable in general (the 80% limit that was selected for the ACA was only slightly higher than the industry average at the time). Another way is to attempt to actually reduce healthcare costs, but that was not attempted by the ACA (probably because there really isn't an obvious way to do it kind of like your tort reform example). In contrast, high probability way to significantly increase the affordability was to make sure more folks that would receive negative-value from the pools were paying into the pools (in conjunction with the limit on loss-ratio) and thus the insurance mandate was instituted.

    161. Re:Oh, look! Just what the economy needs! by Bartles · · Score: 1

      Sorry, the first sentence was said with heavy sarcasm. College has been made anything but affordable.

    162. Re:Oh, look! Just what the economy needs! by Bartles · · Score: 1

      Was Benito Mussolini your next-door neighbor?

    163. Re:Oh, look! Just what the economy needs! by Bartles · · Score: 1

      At least a CEO can be fired for poor performance.

    164. Re:Oh, look! Just what the economy needs! by Enry · · Score: 1

      I think it's an excuse. There should have been better teeth, but this was what could get passed. I'd like to see single payer as well, but until then we need to make sure that all Americans are healthy and have access to quality medical care.

    165. Re:Oh, look! Just what the economy needs! by AlphaWolf_HK · · Score: 1

      No, I would say job loss is a certainty. Absolute certainty. It is already known that many employers are going to reduce full time positions to part time for much of their work. This WILL increase unemployment due to what economists refer to as the lump of labor. The demand for labor isn't constant, and we've already seen that when you forcibly reduce working hours across the board, it increases unemployment, even if nobody gets fired.

      For a real world example: France fell for the lump of labor fallacy, which is that they believed that if they forced everybody to work only 35 hours a week, then employers would hire more people to fill in those missing hours. Instead what happened is unemployment increased, and has never since recovered. The natural unemployment rate is usually supposed to be about 5%, except in the case of France where it is about 7%, which is largely because of their laws. Contrast to that of say Korea where people tend to work longer hours, their natural unemployment rate seems to be about 3%.

      More on the lump of labor fallacy:

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

      I'm not ideologically opposed to Obamacare per se, in fact I myself want and need affordable health care due to my kidney disease. However I don't think Obamacare is a viable solution. Everything I said above is my own opinion based on my existing knowledge of economics - to my knowledge it isn't a common talking point you're going to find on a conservative blog or talk show somewhere.

      I do know this: The conservative talking point about our health care being top notch, it is correct. The best specialty surgeons/hospitals for almost every major category of health care are right here in America. The best cancer center is in Texas, the best Neurosurgery center is in Tucson, AZ...cardiology, liver, oh so many others...all here in the US. It very often happens that somebody in England for example ends up being shipped here to the US to have some lifesaving operation done, with England's NHS footing the bill, because the kind of care they need simply isn't available there. I don't want to see that change. So obviously, our existing privatized system does have its advantages. The trick is figuring out how to make those advantages more affordable.

      --
      Careful with names containing L slashdot.org/~AiphaWolf_HK slashdot.org/~AlphaWoif_HK slashdot.org/~AiphaWoif_HK
    166. Re:Oh, look! Just what the economy needs! by Magius_AR · · Score: 1

      So....reinvent the wheel to keep pleasing the Free Market Fairy, and go on ignoring the fact that socialized medicine produces better outcomes for a third the cost?

      Non sequitur. Different cultures, needs, diseases, exercise, diets, yadda, yadda, yadda...get back to me when you don't have a straw man to burn.

    167. Re:Oh, look! Just what the economy needs! by Magius_AR · · Score: 1

      isn't the way insurance works by spreading cost? What you describe sounds like a good first step (pull people at lower risk into the insurance pool).

      We're talking about healthcare, not insurance. The two are not the same, however much this country likes to conflate the two. If I treat my car like shit (never change the oil, wreck the clutch, redline the engine, etc), and the thing becomes a maintenance nightmare down the road in auto repair, neither society nor insurance owes me a dime -- I eat those costs as a consequence of my poor decisions. On the flipside, if some drunk driver runs into me, insurance has my back. Why is it that only in healthcare are these concepts combined? Why can a person lead an unhealthy, sedentary, smoking-drinking-drugging, irresponsible life of their choosing, and society is simply expected to float their risk and their costs (emergency or not, whether they be truly life threatening or simply unpleasant). I'll gladly fork in to pay for the unfortunate victims of true misfortune, but I shouldn't be required to subsidize the bad decisions of an entire nation of fools. You smoked all your life? Sorry buddy, that lung cancer drug is on your dime. Lived on a diet of Big Macs and Super Sized colas for 50 years? Triple bypass is on YOUR wallet. Seriously, I have _no_ empathy for someone who drove themselves willingly to an early grave.

    168. Re:Oh, look! Just what the economy needs! by Enry · · Score: 1

      No, I would say job loss is a certainty. Absolute certainty. It is already known that many employers are going to reduce full time positions to part time for much of their work.

      Only if companies are short-sighted enough to think that having unhealthy employees is good for business. Many companies already offer health insurance, and I've worked for a variety of companies over the past 20 years and every single one did. When I'm able to take 1/2 day to go to the doctor's to get a cough checked out rather than hacking on my co-workers or taking 3 days off to nurse it, which is less expensive to the company?

    169. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      Yeah, I caught that. That's why I advocate that we don't handle healthcare as foolishly as we handle student loans and grants.

    170. Re:Oh, look! Just what the economy needs! by AlphaWolf_HK · · Score: 1

      Strike the many and replace with most. However, currently the amount of health care they provide varies significantly, and to what employees actually get it. Obamacare sets more rigid standards though.

      For example in the retail and restaurant space. At a place like e.g. best buy or walmart most of the employees work on the sales floor and their health insurance is meh if not non-existent. The change in law here would require that they suddenly have most of them reduce to part time (generally speaking, a reduction from 40 hours a week to 35 hours a week) in order to maintain the status quo, which they'd undoubtedly prefer to do since chances are they can't afford to suddenly increase the hell out of their labor costs (remember: the health care costs go into payroll) in this economy as would be required by the law (especially best buy who is very financially troubled as it is - I guarantee you they can't afford this.) Suddenly these employees now make less money, and therefore have less to spend. Meanwhile their health probably hasn't changed, so "unhealthy employees" doesn't figure into any of the math here.

      Keep in mind, we're not going to see an unemployment increase on the scale that France saw when they made their change, because this isn't a nationwide across all industries and pay levels change like what France did. But it does impact a large segment of the population nonetheless, and so in my opinion it will have a measurable change on unemployment, and not in a good way. And while it is just my opinion, I am certain of it. If something doesn't bend, it'll break. And as I mentioned earlier, Obamacare sets more rigid standards, for better or for worse.

      --
      Careful with names containing L slashdot.org/~AiphaWolf_HK slashdot.org/~AlphaWoif_HK slashdot.org/~AiphaWoif_HK
    171. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      Go look it up.

    172. Re:Oh, look! Just what the economy needs! by compro01 · · Score: 1

      It's not really hybrid. Private stuff in Canada is supplementary. It covers stuff above the public system (e.g. prescriptions and dental. The latter not being covered by the public system is one of my pet peeves.), but it doesn't get to replace anything the public system provides.

      --
      upon the advice of my lawyer, i have no sig at this time
    173. Re:Oh, look! Just what the economy needs! by Sarten-X · · Score: 1

      Not really. The shareholders always have grounds to sue management... you can sue for practically no reason, and just get laughed out of court faster. Implementing government mandates ahead of schedule is an investment at an opportune time, not mismanagement of funds. Yes, the shareholders can still sue, but they could also sue for having the wrong color of carpet in the lobby, with a similar chance of winning.

      --
      You do not have a moral or legal right to do absolutely anything you want.
    174. Re:Oh, look! Just what the economy needs! by hairyfeet · · Score: 1

      I'm sorry friend but you are falling for the "We have to do SOMETHING" fallacy which as we have seen with everything from PATRIOT to "too big to fail" often just creates more messes on top of the old messes. and you can scream excuse all you want, i know plenty of SMB owners and they simply don't have the money to give their employees health care and keep the doors open, they really don't. So all this "something" did was to make damned sure a LOT of employees will now be part time only, thus hurting the hell out of the working poor.

      --
      ACs don't waste your time replying, your posts are never seen by me.
    175. Re:Oh, look! Just what the economy needs! by Sarten-X · · Score: 1

      The original comment implied that regulatory uncertainty is detrimental to the economy, which is generally true. When investors don't know what to expect from regulators, they tend to hold their money in less-risky investments, which don't move as much money around the economy as much as other investments.

      Enry pointed out that it's pretty certain that January 1st, 2015 is politically likely to be the final date, but OakDragon reminds us that within one week (being the time it took for the due date to change), long-term corporate plans for implementing the required changes may have changed wildly.

      Personally, I'm more inclined to agree with OakDragon. I currently work in the mad world of finance, and I've seen the research our investment managers do into each company they consider. Now, at least the last week's research needs to be rechecked, because companies' plans have likely changed to push the new law's expenses into the future. That means that until the research is done (again), we're probably holding more money in cash, leading to that aforementioned economic impact.

      --
      You do not have a moral or legal right to do absolutely anything you want.
    176. Re:Oh, look! Just what the economy needs! by davester666 · · Score: 1

      Obamacare is NOT socialized medicine. It is at best kind of socialized insurance for health care.

      As long as the primary purpose of every entity involved in health care is "Extract as much money from the person needing help as possible", the person needing help has no chance.

      --
      Sleep your way to a whiter smile...date a dentist!
    177. Re:Oh, look! Just what the economy needs! by davester666 · · Score: 1

      NOBODY else has a health care system remotely like Obamacare.

      'Socialized' health care is NOT "you must buy a plan from private insurance company, where any plan you can afford won't cover anything remotely serious that may happen to you".

      --
      Sleep your way to a whiter smile...date a dentist!
    178. Re:Oh, look! Just what the economy needs! by Enry · · Score: 1

      Anecdotes don't prove your point. Even though there's an individual mandate in MA, small businesses haven't closed up shop.

    179. Re:Oh, look! Just what the economy needs! by sjames · · Score: 1

      That is my point. If you'll read above, I consider Obamacare to be an insurance scam. I am arguing for a proper socialized healthcare, either like Canada does it or the U.K.

    180. Re:Oh, look! Just what the economy needs! by hairyfeet · · Score: 1

      And how many moved out of MA? We saw similar moves when Detroit went overboard with the unions, now Detroit is a ghost town and all the factories are in right to work states. You can scream anecdote all you want but I deal with the working poor 6 days a week and the one thing I hear over and over and over, in everything from retail to construction is how NOBODY is getting 40 hours anymore and it all comes down to Obamacare.

      When you add this to the fact that most docs and clinics have put strict limits on how many medicaid/care patients that they will treat and the flood of illegals the whole thing is falling apart, in less than 4 years even the little ER in my tiny town went from an average 40 minute wait to having a sign that says "average wait 5 HOURS" and that is if you are bleeding to death, anything less than critical and you'll be there 10-12 hours before being seen.

      Like it or not Obamacare was worse than doing nothing and its obvious that the politicians KNOW this, or else why would they keep pushing it back? Its because they know when it goes 100% into effect there is gonna be a LOT of people getting sacked or being turned into temp workers and there is gonna be a hell of a backlash and they wanna grab as much for themselves as they can and get the fuck out of Dodge before that occurs.

      --
      ACs don't waste your time replying, your posts are never seen by me.
    181. Re:Oh, look! Just what the economy needs! by KalvinB · · Score: 1

      It says right there, October 2014.

      It's nice having a King who can selectively choose what laws he is going to uphold and when.

    182. Re:Oh, look! Just what the economy needs! by Optali · · Score: 1

      You are right! I hear this same thing on Youtube in an instructional video on how to recognize the illuminati. It's a very good video called "How to spot an illuminati and how to prepare for the end of the world on 12-12-2012"... oh, wait...

      --
      -- 29A the number of the Beast
    183. Re:Oh, look! Just what the economy needs! by terryducks · · Score: 1

      although I think most normal "kids" should be well out on their own and supporting themselves by the time they are 20-21

      Thou dost need reminding of thee Great Recession and Thou hast a great millstone of Federalist payments to thee Yankee banks for thou education which thy Business hast saddled you with.

    184. Re:Oh, look! Just what the economy needs! by Sigmon · · Score: 1

      I think you and I may disagree on how one may accurately measure LOWER prices and BETTER outcomes.

      An individual in any given European country, for example, where healthcare is totally (or very nearly) socialized may not be out-of-pocket very much for minor or even major medical issues... but it doesn't mean that healthcare costs less to provide. The burden of cost is on the whole society through higher taxes - and the individuals are forced to pay these costs whether they want to or not - indeed whether or not they EVER need healthcare in their entire lives they are still forced to pay.

      And 'better outcomes'? I know how that trick works... Socialist medicine country has, say, 95% success rate for some major procedure - an artificial transplant of some kind, for example - whereas in the U.S. it's only 78%... Sounds like a win for socialist medicine, right?... That is until one learns that 38% of the people who needed the procedure under the socialist system died while they were on the waiting list... leaving only the more healthy individuals (more likely to survive the procedure) to be counted in the statistic... rather than everybody being counted in the U.S. because there was no waiting list.

      What I said still stands... I don't even need causation for my point to stand. When a government program fails (lower healthcare costs, for example) the liberal answer is always more government... another bigger, more comprehensive program is needed. And when that one fails... the next attempt is even bigger! And on... and on... and on... It's like you've got brain damage or something and can't comprehend that more and more government control over things such as healthcare may actually doing more harm than good!

    185. Re:Oh, look! Just what the economy needs! by Sigmon · · Score: 1

      Huh?

    186. Re:Oh, look! Just what the economy needs! by DarthVain · · Score: 1

      Agreed. As someone who had to pay $5K to get a dental implant because I a) didn't want dentures when I was in my twenties, or b) destroy two perfectly good teeth to make a bridge.

      I mean literally Canada has "Please not in the face!" as a thing. Considering Hockey, insane. I know a ton of people who have lost teeth in hockey. Anyway, I think it is *kinda* insane where someone could take a baseball bat to your knee, and you can get it fixed, no problem for free, but if you take it in the gob you're fucked.

      Also if you are not going to pay for my prescriptions, don't fuck around with what ones I am *allowed* to buy from one province to another... As there are cases where because one might live in one VS another, a cheaper generic is available, or one with less side effects, etc...

      Anyway in short, Canada's healthcare is far from perfect, however it is about 1000% better than what the US has (not level of care, but how it is offered, and certainly how expensive it is).

    187. Re:Oh, look! Just what the economy needs! by DarthVain · · Score: 1

      Which probably doesn't even factoring in the 1/5th of the population that has zero coverage.

  2. well well well by Anonymous Coward · · Score: 3, Insightful

    And political expediency wins again

    The question to ask is why would they want to delay implementation until after mid terms?

    1. Re:well well well by Anonymous Coward · · Score: 2, Insightful

      Because costs will go up...dramatically.

      My company has already said so. Why? So the bum on the street corner who accosts me every day for beer money can get his free health care.

    2. Re:well well well by fnj · · Score: 1

      The "bum" you look down on conveniently from your advantaged position ALREADY was entitled to free health since a long time ago. Nobody can be turned away from a hospital for inability to pay. Would you rather have him live and die in pain? Infect other people?

      You're right that costs are going to rise. They have been rising for a long time. They will continue to rise with or without the ACA (admittedly, maybe more WITH it, but they wouldn't magically stop rising without it). But you are going to have to spend a little more intellectual effort and look into the issue a little deeper to come up with a point that has any merit.

    3. Re:well well well by HornWumpus · · Score: 1

      ERs ration free health care. They do so by making them wait for 18 hours.

      They also only stabilize them, then kick them back to the curb.

      --
      John McAfee 'It was like that time I hired that Bangkok prostitute; to do my taxes, while I fucked my accountant'
    4. Re:well well well by fnj · · Score: 1

      It's always going to be a problem, no matter how you try to address it. It's a fundamental limited-resources scenario.

    5. Re:well well well by HornWumpus · · Score: 1

      My point was the bum doesn't get 'free health care'. He gets stabilized, then kicked back onto the streets where he belongs.

      In some cases (e.g. active multi-drug resistant TB, Hep C, HIV etc) this is very suboptimal. But we are generally not allowed to lock people up because they are sick and irresponsible.

      --
      John McAfee 'It was like that time I hired that Bangkok prostitute; to do my taxes, while I fucked my accountant'
    6. Re:well well well by TheNastyInThePasty · · Score: 1

      I'm sure once he gets stabilized and kicked the curb, his condition magically gets better and he never has to return to the hospital to be stabilized (costing more money) again.

      --
      The best thing about UDP jokes is I don't care if you get them or not
  3. pay the fine by Anonymous Coward · · Score: 3, Insightful

    How many employers will just pay the fine. 3k per year per employee is less than a heathcare plan

    1. Re:pay the fine by Lawrence_Bird · · Score: 2

      Parent should be modded up. The way the story summary was written you would think that health care is without cost to the employee if it is provided by the employer. It is not. That is money lost from a paycheck. That is additional cost which can make a company less competitive (and result in layoffs).

      There is no such thing as free healthcare. Somebody pays - either through lower wages, fewer jobs or higher taxes. Funny how the more government has tried to "fix" healthcare the more expensive it has become.

    2. Re:pay the fine by MightyYar · · Score: 1

      No, it isn't. First of all, the fine for offering no health care whatsoever is $2000. If the employer offers crappy healthcare and employees instead elect for their own plan from the new exchanges, then the employer is fined $3000 per employee who opts for the exchange plan. You can get weak coverage for around $600/worker that would satisfy the $2000 fine. If a bunch of your workers start to opt for exchange plans, then you might need to consider upping your plan to avoid the $3000 penalty.

      --
      W..w..W - Willy Waterloo washes Warren Wiggins who is washing Waldo Woo.
    3. Re:pay the fine by SJHillman · · Score: 3, Insightful

      I pay about $65/wk ($3380/yr) into my employer healthcare. They pay about 3 times that ($10140/yr). Multiply that by the roughly 450 employees on the plan and it's the single greatest expense they have after employee salaries and taxes.

      Personally, I'd much rather take that $13500 (my cost plus theirs) in my paycheck so I could shop around for my own insurance. The employer offered plan includes tons of crap for women and children that don't apply to me, while omitting many things that would be a huge help to me such as hearing aids.

    4. Re:pay the fine by Nickodeimus · · Score: 4, Insightful

      That's because, as any intelligent person knows at this point, the republicans and democrats are two faces of the same coin.

      No one has approached or even mentioned the real reason for healthcare cost increases over the last 30 years. There is a little law that goes by the acronym EMTALA. Go read about it and apply a little economics to the equation.

      Simply stated, our masters have no desire to reduce the cost of healthcare because there is too much money to be made from a completely captive audience. Whether you take the capitalist point of view or the socialist point of view, the end result is the same - we the people get screwed out of our earnings and don't have a choice in the matter. The status quo is maintained.

    5. Re:pay the fine by MightyYar · · Score: 1

      Oh boy, the unintended incentives!

      --
      W..w..W - Willy Waterloo washes Warren Wiggins who is washing Waldo Woo.
    6. Re:pay the fine by jeffmeden · · Score: 4, Insightful

      I pay about $65/wk ($3380/yr) into my employer healthcare. They pay about 3 times that ($10140/yr). Multiply that by the roughly 450 employees on the plan and it's the single greatest expense they have after employee salaries and taxes.

      Personally, I'd much rather take that $13500 (my cost plus theirs) in my paycheck so I could shop around for my own insurance. The employer offered plan includes tons of crap for women and children that don't apply to me, while omitting many things that would be a huge help to me such as hearing aids.

      Making health insurance/care portable would go a LONG way to making the entire system more competitive and the customers a lot happier, but the system (legally, financially, and historically) is basically set up to make sure that the cash flow for the insurance companies remains reliable (and growing). Do you expect an industry with a grip on about 1.5 trillion dollars of spending annually to just give it up? Hah.

    7. Re:pay the fine by I'm+New+Around+Here · · Score: 2

      Whether you take the capitalist point of view or the socialist point of view, the end result is the same - we the people get screwed out of our earnings and don't have a choice in the matter. The status quo is maintained.

      This is why we must record these things. So that after the next revolution, we know what laws to prohibit in the new Constitution.

      Hopefully, it will all be settled within the next decade.

      --
      If you think I voted for Trump because of this post, you're wrong. I voted for Dr. Jill Stein of the Green Party. Again.
    8. Re:pay the fine by larkost · · Score: 1

      If you think you could get anything close to the quality of healthcare your employer is getting you on $13K a year then you have not looked at the indivedual market at all (normal, most people don't). Even mid-sized employers (your level) get substantial discounts (20% range) for bringing a number of people together (pooling the risk).

      One of the big components of the Affordable Care Act is to force the insurance markets to treat the individual market more like a large pooled group, and thus reduce costs significantly. Still not nearly to the level that large corporations have, but significanly better than now. But the very provisisions that make that happen (elimination of pre-exisint conditions asa criteria, forbidding differnt permiums for men vs. women, etc) also create the necessity of putting in the requirement that eveyone have insurance, since otherwise they would be stuck with only those with massive costs without the low-cost people to even out the pool.

      The ironic thing is that Mitt Romney actually did speak about a real solution for a couple of speaches, before the backlash from other Republicans killed off that idea, and it was his infamous "I like to fire people" speach. His wording was unfortunate giving his history with Bane Capital (and the many layoffs that company was responsibel for), but his meaning was much like what you are arguing.

      But the reason for the total silencing of this idea was that in order to make it workable you have to take the Afordable Care Act as a starting point and keep going: you have to have the individual mandate to even out the risk pool (so healthy people paying for sick people), the elimination of pre-existing condition limitations, most or all of the variable pricing depending on health, and then eliminate all employer involvement in health insurance.

      The difficulty is once you are there, then you are there, then it becomes obvious that market forces do not do any good in the healthcare industry (at least not on the health insurance side), and a "single payer" health system suddenly becomes the best option. And that is not a though that most Republicans are comfortable with.

    9. Re:pay the fine by Viewsonic · · Score: 1

      The problem is, you wouldn't be admitted to shop around. You would probably be denied. I have had several friends who left their jobs to strike out on their own, and they cannot get insurance at all. Everyone has denied them. One had a parent who died from cancer. Another had a head XRay for sinus blockage in his past. They were afraid he might want to get surgery to fix it in the future under their plan. If you have any bad medical history in your family, you will be denied. Even insanely high deducible fly by night policies wont take you.

    10. Re:pay the fine by Hatta · · Score: 3, Insightful

      Personally, I'd much rather take that $13500 (my cost plus theirs) in my paycheck so I could shop around for my own insurance.

      You might prefer that, but what about your coworkers with health problems? Who is going to sell them insurance at a price they can afford if you're not helping with the cost?

      The employer offered plan includes tons of crap for women and children that don't apply to me

      Right, and if you don't help pay for the things that don't apply to you, the burden is entirely on those who need them. That defeats the entire purpose of insurance, spreading risk by sharing costs.

      --
      Give me Classic Slashdot or give me death!
    11. Re:pay the fine by aicrules · · Score: 1

      Also there are many way more complex options available for health care today compared to 30, 40, 50 years ago. You can have a machine/computer that cost billions or more to develop and costs a hospital or doctor's office millions to own and high on-going maintenance that just didn't exist. You can treat things today that were untreatable back then.

      And behind the demand isn't just that more people are sick it's that people seem to think that expensive healthcare is a right rather than a privilege to be acquired via trade. Doctors spend ridiculous amounts of their own money just to get to the point of being able to take their first patient, and continue to spend ridiculous amounts of their own money to keep treating them. That is going to to cost you money to make use of their services. They have to feed their families too. If my car breaks down, I don't expect someone else to pay for it to be fixed. I know that I have to pay a mechanic to do the work that I can't possibly do on my own. Yet healthcare, an industry that requires significantly more investment by those who provide it is expected to just be given away? So you have cancer? Well if you can't afford treatment then I guess you're out of luck. If you're my friend or family member I will do what I can to help you out, but joe blow down the street shouldn't be forced to contribute. If you can find someone who will donate the care to you, great. But short of the world somehow generating everything that everyone needs out of thin air, things are going to cost money. If you can't afford them, you can't have them.

    12. Re:pay the fine by Grizzley9 · · Score: 1

      Simply stated, our masters have no desire to reduce the cost of healthcare because there is too much money to be made from a completely captive audience. Whether you take the capitalist point of view or the socialist point of view, the end result is the same - we the people get screwed out of our earnings and don't have a choice in the matter. The status quo is maintained.

      As someone with a spouse the provides high level medical care, I would agree. But what is the alternative? High level of skill for modern medicine requires a lot of training (many times specialized), continuing school, and malpractice ins. That cost must be passed on to consumers else you will have provider shortages and more problems. The doctors at my spouses hospital already are overworked. They should rely on PA's, Nurse Practitioners and other tier 2 providers to help ease the work load and reduce costs on less complicated procedures. The problems come when you have [numerous] intermediaries that take their cut of the pie as well. But it's a tradeoff, hospitals around here are doing well and expanding with local clinics and such. I wouldn't want to be going to a barely breaking even hospital or one where their staff is not paid well.

    13. Re:pay the fine by aicrules · · Score: 1

      Maybe I'll read this Rousseau social contract thing, maybe I won't. But just because I need to eat doesn't mean my food is given to me. It costs money. Sure, if the people who sold McDonalds their buns, burgers, ketchup etc... gave them to them for free, and if the contractors who built their facilities did the work for free and if the utilities were granted to the building for free and all the employees worked for free then I could drive up to McDs and get me a free big mac "whenever" I wanted (giant line of people also wanting free big macs not included).

      People do donate enormous amounts of their own time and money to all sorts of causes including healthcare. I donate money to some healthcare related organizations (komen, MS). Yes, I donate to both of those because my close friends and family have been affected by them. So, in that way I am a bit selfish. However, my statement that if you can't afford it you can't have it is meant to say that you can't magically create free supply to meet demand. It just doesn't work that way unless the ENTIRE supply chain is made free. That sort of utopian "social contract" is as close to impossible as I think anything could be. What is described as greed or selfishness is what motivates most of society to go do whatever job they do. That's how they earn the money to pay for the stuff they want out of society. Whether that's dollars or a barter system, if you didn't have people who were driven to excel by the desire to acquire money, society would not be able to function. Would you want a doctor who was being paid $7.25 an hour and had just a highschool education? No you'd want one who was smart enough to make it through med school, residency etc... which is years of really expensive training. Would you want him to be so accessible to people that you had to schedule your appointments a year in advance?

      Fire departments and police departments are a service that I'm happy to contribute to as a local service. It is annoying that people who don't provide any part of the funds to run those departments can end up using them freely and therefore make it cost me more in taxes to support. But my local community being protected overall by fire and police services has a direct, positive impact on me and my family, so at least for my current location, I've deemed that acceptable. I don't know that I could see a privatization of those services being successful in my lifetime. Same goes for roads. I don't think your average DoT does a GREAT job of maintaining public roads, but we're reliant on them now and to change it would be devastating. But every public service comes at a cost just like every private service. You can hope to rely on some people having the means to pay for all people to use them, but when the all is greater than the some can even afford, then it doesn't matter how mean it sounds, it's just a fact that eventually someone's going to lose out. The longer that is artificially sustained, the more someones are going to lose out. If you can't afford it, you can't have it. Whether that's an individual or an entire nation. If you can't afford it, you can't have it.

    14. Re:pay the fine by SJHillman · · Score: 1

      Ok, but who pays for the stuff that I can't afford and my insurance doesn't cover? Or is your point just easier to make if you ignore the part where my hearing aids aren't covered?

    15. Re:pay the fine by SJHillman · · Score: 1

      I'd be all for taking that $13500 in taxes in throwing in an extra thousand or two if it meant my health care coverage actually covered stuff relevant to me. I don't mind paying the money in taxes if I get the benefit too. I do mind paying the money to an insurance company that goes to covering other people but leaves me uncovered for things I need.

    16. Re:pay the fine by kwbauer · · Score: 1

      Heresy! That sounds very similar to TANSTAAFL and we all know that is heresy in these here parts.

    17. Re:pay the fine by Lawrence_Bird · · Score: 1

      I guess you missed the 90s.

    18. Re:pay the fine by Lawrence_Bird · · Score: 1

      comment for you and your parent: You: Probably right, they are not going to "give" 100% of that money to the employees. However, it puts them in a far better position to offer more competitive (higher) wages compared to their competitors. And perhaps instead of a 2% raise you might get.. gasp.. 4%. Parent: The additions to the medical plan that you do not want are likely as a result of either state mandates or soon, Obamacare mandates. Maternity stuff, drug stuff, psycho babble, etc. Some states, especially in the north east, basically force insurers to put the kitchen sink in the plan - in part as a result of lobbying by various health care unions. There is no escaping paying for materinty stuff even if you are a single male.

    19. Re:pay the fine by Lawrence_Bird · · Score: 1

      There was a time when fire "companies" existed and you paid a small sum to ensure coverage. In effect, it was a form of insurance. The problem with this comes when people live in a densely populated area and failure of one to insure may result in a fire that spreads. In an ideal world that person would be liable and have to pay for the damages but if they don't have fire insurance they probably have nothing else either. Thus the shift to public fire service.

    20. Re:pay the fine by Lawrence_Bird · · Score: 1

      yes this was the brilliant ponzi scheme of social security too. What right do the old have to steal from the young? All this has resulted in is a sense of a) entitlement and b) a disincentive to plan for old age.

  4. Chicago style politics at it's worst... by Temkin · · Score: 5, Insightful

    Conveniently after the mid-term elections, where frustration with this trainwreck might reflect badly on those in power... One Turkish professor said "He talks like the president of the ACLU, and governs like Dick Cheney."

    1. Re:Chicago style politics at it's worst... by Anne_Nonymous · · Score: 3, Insightful

      Dare to Hope, Prepare to be Disappointed

    2. Re:Chicago style politics at it's worst... by Impy+the+Impiuos+Imp · · Score: 4, Insightful

      "5 Year Plans" are nothing new, where the hard choices are put off until after the next election, where they probably won't happen anyway. Or pushed into the next guy's term, same thing.

      That's why I laughed at all these deficit reduction "negotiations". Let's increase taxes now. In exchange, we agree to cut spending in 3 years.

      Which. Won't. Happen.

      It's a lie for domestic consumption. It's been going on for a hundred years.

      --
      (-1: Post disagrees with my already-settled worldview) is not a valid mod option.
    3. Re:Chicago style politics at it's worst... by drinkypoo · · Score: 1

      Conveniently after the mid-term elections, where frustration with this trainwreck might reflect badly on those in power...

      On the other hand, it will also cast doubt on what those candidates are doing about the situation — clearly nothing.

      --
      "You're right," Fisheye says. "I should have set it on 'whip' or 'chop.'"
    4. Re:Chicago style politics at it's worst... by zlives · · Score: 1

      you assume Obama wants the rules to go in place, it seems like a ploy to make sure the obamacare can be voted on another 38 times to repeal it, and maybe one of them will stick.

    5. Re:Chicago style politics at it's worst... by SplashMyBandit · · Score: 1

      You could say the same thing about the authoritarian Islamicist Erdogan too. He and Obama are peas in a pod - that's why he and Obama get along so well, they share the same impulses and goals.

  5. So, is this delay legal? by msauve · · Score: 4, Interesting

    Is this delay specifically authorized by the law, or is the Obama administration simply going to fail to uphold a law they pushed to get passed?

    --
    "National Security is the chief cause of national insecurity." - Celine's First Law
    1. Re:So, is this delay legal? by Bill_the_Engineer · · Score: 2, Insightful

      It not a matter of Obama holding up his end... It is more about the republican governors who would rather derail the affordable health care act by stonewalling the creation of insurance exchanges in their state despite the federal government's willingness to pay for it. The irony being that the exchange idea was the republicans' idea to introduce a free market element to universal health care. Like most things involving republicans it is either filibustered, procedural traps, sabotaging legislation with bad provisions, or in this case all of the above.

      Sadly I think the US missed an opportunity to have an excellent universal healthcare system, but the two political parties acted like spoiled brats. The left think their way is the only way, and the right for being in bed with the corporations and doing everything they can to protect their friends at the expense of the country. If they were really looking out for our interests they would have worked together. Instead we had both parties having closed door meetings figuring out how to out maneuver the other party.

      I love it when people conveniently ignore the details...

      --
      These comments are my own and do not necessarily reflect the views or opinions of my employer or colleagues...
    2. Re:So, is this delay legal? by Impy+the+Impiuos+Imp · · Score: 2

      George Will's been bitching about the Imperial Presidency for 30 years now, as Congress rolls over, ever more supine to presidents declaring this or that.

      Remember all the feigned outrage over Bush's innumerable "signing statements"? Same symptom. Hell, even the losening of constraints on warrntless spying is handing over still more power to the executive branch.

      --
      (-1: Post disagrees with my already-settled worldview) is not a valid mod option.
    3. Re:So, is this delay legal? by datavirtue · · Score: 1

      That was my first impression. That they were shirking the law. How can the president just refuse to enact or perform on a law? It is the freaking executive branch--besides military that is like their only job!

      --
      I object to power without constructive purpose. --Spock
    4. Re:So, is this delay legal? by mrego · · Score: 3, Informative

      They didn't want to enforce DOMA (formerly the law of the land), and Immigration laws either. It is called selective enforcement.

    5. Re:So, is this delay legal? by mrego · · Score: 3, Informative

      Wrong! States had a choice, take money/accept federal controls/create exchanges OR let the feds create exchanges. Both are valid, allowable choices. Hence no derailing, no stonewalling. The real irony is that many states had great health care plans for low income people, but had to close them down thanks to Obamacare. Too bad the Democrats wanted to create a bloated, byzantine, idiotic plan and pass it through chicanery and corrupt bribes on their own ("deeming" it passed, "corn husker kickback", etc.) instead of using Republican ideas. I love it when people conveniently ignore the facts...

    6. Re:So, is this delay legal? by Anonymous Coward · · Score: 2, Informative

      "many states had great health care plans for low income people, but had to close them down "
      Nope.

      " I love it when people conveniently ignore the facts..."
      I love it when people make up new ones for themselves...

    7. Re: So, is this delay legal? by iluvcapra · · Score: 1

      To be fair, they DID enforce DOMA, the admin simply refrained from defending it in court. I'm not sure what immigration laws you are talking a about, or wether you are implying incompetence or malice.

      --
      Don't blame me, I voted for Baltar.
    8. Re:So, is this delay legal? by msauve · · Score: 2
      It's a violation of the Oath of Office.

      I do solemnly swear (or affirm) that I will faithfully execute the Office of President of the United States, and will to the best of my Ability, preserve, protect and defend the Constitution of the United States.

      - Article II, Section 1.

      He's usurping the Constitution by illegally spying on US citizens, and by failing to perform his primary duty - to execute the law as required.

      ...he shall take Care that the Laws be faithfully executed...

      - Article II, Section 3.

      --
      "National Security is the chief cause of national insecurity." - Celine's First Law
    9. Re:So, is this delay legal? by JackieBrown · · Score: 1

      That is the issue people are having with the new sets of immigration reform.

      We already passed a law and had funding for that border fence they are touting again. I live in Texas and see very few fences.

    10. Re:So, is this delay legal? by sycodon · · Score: 3, Insightful

      It's called dereliction of duty.

      --
      When Fascism comes to America, it will call itself Anti-Fascism, and tell you to give up your guns.
    11. Re:So, is this delay legal? by asylumx · · Score: 1

      I'm guessing that by "Many" he really means "One" and that state had a very similar plan to what the Affordable Care Act is (and the people there seem to like it).

    12. Re: So, is this delay legal? by DarkOx · · Score: 1

      That's a good question, sadly it's it probably just academic. Who would have standing to sue? Probably only employers and it isn't as if they would file a suit seeking to pay a tax penalty.

      --
      Repeal the 17th Amendment TODAY! Also Please Read http://www.gnu.org/philosophy/right-to-read.html
    13. Re:So, is this delay legal? by Viewsonic · · Score: 2, Informative

      Senator John Chafee wrote it in 1993. He was a Republican.

    14. Re:So, is this delay legal? by Uberbah · · Score: 1

      George Herbert Walker Bush ran on it in 1992. Dole ran on it again in 1996. And of course there's a reason why it was called Romneycare before it was was called Obamacare.

      But that's one of the great things about Obomneycare: it outs a lot of partisan hacks on both sides of the aisle.

    15. Re:So, is this delay legal? by Artagel · · Score: 1

      The President is ordering the IRS to not enforce the penalty for the year. The law has not changed. Even if the president changed his mind mid-stream, people will have reasonably relied upon his promise in conducting their affairs, and could have a defense in court even if the president did change his mind.

      While the President took an oath to uphold the laws and Constitution of the United States, the line between legitimate prioritization of the activities of government and failure to live up to the oath is not a clear one, and is the subject of controversy from time-to-time. The prior president spent more effort on stopping white slavery and illegal (child mostly) pornography, while the current administration spends more time on civil rights and the environment. The fact is that resources are limited and the weight of enforcement activities legitimately responds to some extent with the perceived needs.

      Mind you, failure to enforce a law where Congress overrode a presidentail veto is a clear case of derelication of duty. It is the law, and we get that the president did not like it, but the duties of the office are to enforce the laws the president likes and does not like, within reason.

    16. Re:So, is this delay legal? by Politburo · · Score: 1

      No *true* scotsman...

    17. Re: So, is this delay legal? by Straif · · Score: 1

      Any employer who already meets ACA standards who has a competitor who does not may sue in order to level the playing field and from the wording of the law it doesn't appear the Administration would have any defense, except political, as to why they choose to ignore a major aspect of a law passed by the legislative branch.

      --
      Of course that's just my opinion...... you could be wrong!
    18. Re:So, is this delay legal? by Bill_the_Engineer · · Score: 2

      Wrong! States had a choice, take money/accept federal controls/create exchanges OR let the feds create exchanges.

      You forgot the third choice that was created with the SCOTUS ruling over the constitutionality of ACA (NFIB v Medicaid) that gave the states the right to refuse to expand Medicaid. This allows the states to continue to deny health insurance to the poor and most republican governors have taken that option.

      It's one of many of those details I was talking about...

      --
      These comments are my own and do not necessarily reflect the views or opinions of my employer or colleagues...
    19. Re:So, is this delay legal? by Uberbah · · Score: 1

      Too bad the Democrats wanted to create a bloated, byzantine, idiotic plan and pass it through chicanery and corrupt bribes on their own ("deeming" it passed, "corn husker kickback", etc.) instead of using Republican ideas. I love it when people conveniently ignore the facts...

      That's the most hilarious thing I've read all year. You do know that Obamacare used to be called Romneycare, right? That the plan was first cooked up by the Heritage Foundation and that Poppy Bush ran on it in '92?

      The ACA is nothing but Republican ideas!

    20. Re:So, is this delay legal? by Uberbah · · Score: 1

      Even the highly conservative Heritage Foundation doesn't agree with your reading of the constitution.

      What do you mean "even"? Both the Heritage Foundation and the current POTUS are hard-core right wingers.

    21. Re:So, is this delay legal? by I'm+New+Around+Here · · Score: 1

      Thanks. I just wondered how many people knew the details, or if the AC simply was spouting bs he heard somewhere with nothing to back it up.

      And honestly, I couldn't remember who did it either. I just remembered it was thought up by those idiots at the Heritage group/foundation. Didn't want to google it right then either, had an appointment to go to.

      --
      If you think I voted for Trump because of this post, you're wrong. I voted for Dr. Jill Stein of the Green Party. Again.
    22. Re:So, is this delay legal? by aardvarkjoe · · Score: 1

      Immigration laws? This president has deported more people than ANY other. The deportation numbers are an 'all time high', so I don't understand where you're getting the idea that the president isn't enforcing immigration laws: http://www.washingtonpost.com/blogs/post-politics/wp/2013/05/13/immigration-advocates-ask-obama-to-suspend-some-deportations/

      All that is is evidence that previous presidents haven't enforced immigration laws either.

      --

      How can we continue to believe in a just universe and freedom to eat crackers if we have no ale?
    23. Re:So, is this delay legal? by I'm+New+Around+Here · · Score: 1

      Ooh, high school debate team terms for $200 please, Alex.

      --
      If you think I voted for Trump because of this post, you're wrong. I voted for Dr. Jill Stein of the Green Party. Again.
  6. Re:This'll take awhile for people to accept by Temkin · · Score: 5, Interesting

    Yea, we'll get used to having beurecrats make decisions regarding our famililies heathcare. I mean, having the IRS target the businesses of political opponents is nothing compared to denying Grandma her hip replacement because you voted for the wrong candidate.

  7. But the rest of us are still screwed by smooth+wombat · · Score: 1

    Sure, business gets a reprieve but the rest of us still get the shaft by having to pay for our neighbor's healthcare despite them smoking a pack a week.

    Nothing like having to spend money on something useless because the government tells us we have to do so.

    --
    We will bankrupt ourselves in the vain search for absolute security. -- Dwight D. Eisenhower
    1. Re:But the rest of us are still screwed by Anonymous Coward · · Score: 3, Informative

      It has been pretty well established that your smoking neighbor has lower lifetime healthcare costs than someone who is healthy. They tend not to live long enough to get the really expensive things to treat.

    2. Re:But the rest of us are still screwed by Trepidity · · Score: 1

      They save social-security and Medicare money too, by not living long enough to draw down benefits!

    3. Re:But the rest of us are still screwed by I'm+New+Around+Here · · Score: 1

      So you should not let the government force you to pay for your neighbor's bad activities.

      --
      If you think I voted for Trump because of this post, you're wrong. I voted for Dr. Jill Stein of the Green Party. Again.
    4. Re:But the rest of us are still screwed by smooth+wombat · · Score: 1

      Which is irrelevant to the discussion. The fact remains these people, like drug users, have made a choice to do something which is known to cause health issues. Why should the rest of us be forced to pay to protect them from their own choice?

      Also, there are contradictory studies on how much smokers cost, to wit:

      Abstract

      However, more recent studies show smokers DO cost more in healthcare than non-smokers:

      NBCnews

      Further, the following article talks about not only smokers, but the obese. In both cases the response from people is, "It's my life, I can do with it as I want." Which is correct. With few exceptions, one is free to live as they choose.

      However, that does not mean your actions don't have consequences to the rest of us. In this case, their actions cost me money.

      The Ledger

      --
      We will bankrupt ourselves in the vain search for absolute security. -- Dwight D. Eisenhower
    5. Re:But the rest of us are still screwed by datavirtue · · Score: 1

      Yeah, they often get hit with a catastrophic disease and barely make it out alive after an expensive hospital stay which would not have happened had they not smoked for thirty years. After that they wise up and live healthier lives as the chickens come home to roost in the form of long drawn out health problems showing up years later as chronic diseases from their past love of cigarettes. Who hasn't seen this play out?

      --
      I object to power without constructive purpose. --Spock
    6. Re:But the rest of us are still screwed by ebno-10db · · Score: 2

      business gets a reprieve but the rest of us still get the shaft by having to pay for our neighbor's healthcare despite them smoking a pack a week

      A pack a week? That's so little that the effect will be negligible. You're better off if your neighbor smokes a pack or two per day, as the lifetime medical costs of smokers is lower. In fact a good way to reduce overall healthcare costs would be to hand out free cigarettes. If you want to burden the system, live to be a 100.

      Nothing like having to spend money on something useless because the government tells us we have to do so.

      So you're never going to get seriously ill or have an accident? And if you do, and don't have insurance, do you pinky swear not to accept any medical care that you can't pay for out-of-pocket? Oddly, people who swear that ahead of time tend to change their minds at the moment of truth, and dump the costs on everyone else. It's people who don't have insurance that wind up being the freeloaders.

    7. Re:But the rest of us are still screwed by ScentCone · · Score: 1

      It has been pretty well established

      Other than the whole part where that's not true in terms of who's doing the spending. Your lack of any citation shows you're pulling it out of thin air.

      --
      Don't disappoint your bird dog. Go to the range.
    8. Re:But the rest of us are still screwed by smooth+wombat · · Score: 1

      Sorry, can't do that. One of our Supreme Court Justices decided to become an activist judge and read something into the law which wasn't there.

      So now, if I don't go out and buy insurance, the government will confiscate my money as a penalty for not buying something. Fortunately the penalty is smaller than not buying so the effect will be minimal, but I'm still being forced to pay for my neighbor's bad activities.

      What I should do is claim conscientious objector, similar to what the religious folks claim, and say my beliefs do not allow me to condone or support someone else's bad activities.

      --
      We will bankrupt ourselves in the vain search for absolute security. -- Dwight D. Eisenhower
    9. Re:But the rest of us are still screwed by Charliemopps · · Score: 1

      Which is irrelevant to the discussion. The fact remains these people, like drug users, have made a choice to do something which is known to cause health issues. Why should the rest of us be forced to pay to protect them from their own choice?

      The leading cause of injury in the united states has been "Falls" for decades. I do not have stairs, why should I have to pay for your injury when you put something that's several orders of magnitude more dangerous than cigarettes in your house? Why should the rest of us be forced to pay to protect you from your own choice?

    10. Re:But the rest of us are still screwed by ebno-10db · · Score: 1

      However, more recent studies show smokers DO cost more in healthcare than non-smokers:
      NBCnews

      That study is bull. It talks about the insurance cost to employers, but doesn't mention the insurance savings to Medicare. If you count the negatives but not the positives, it's small wonder that you'll get a negative answer. Tell me what conclusion you want to come to, and I can create a "study" to reach it.

    11. Re:But the rest of us are still screwed by HornWumpus · · Score: 1

      Worse is the 'shower takers'! Do you realize how many people are injured just to prevent a little smell.

      We should tax soap!

      --
      John McAfee 'It was like that time I hired that Bangkok prostitute; to do my taxes, while I fucked my accountant'
    12. Re:But the rest of us are still screwed by Holi · · Score: 1

      What you don't think you pay for them now? At least with the ACA They will be covered and the costs will be lower.

      --
      Sorry, teleporters just kill you and then make a copy. A perfect, soul-less copy.
  8. Only Hillary can save Obamacare by Anonymous Coward · · Score: 1, Insightful

    The silver lining of the Supreme Court ruling, is that Obamacare is legally a tax. Mitch McConnell realized that taxes can be altered, or eliminated, in the budget reconciliation process. If the Republicans can get total control, even by slim majorities, Obamacare will die. Hillary Clinton is the best hope of keeping Obamacare alive.

    1. Re:Only Hillary can save Obamacare by UnderCoverPenguin · · Score: 3, Informative

      The silver lining of the Supreme Court ruling, is that Obamacare is legally a tax. Mitch McConnell realized that taxes can be altered, or eliminated, in the budget reconciliation process. If the Republicans can get total control, even by slim majorities, Obamacare will die. Hillary Clinton is the best hope of keeping Obamacare alive.

      More likely they will get rid of the employer mandate while retaining the individual mandate. The wealthy already have health care they can afford, so the individual mandate has little or no negative impact on them.

      --
      Don't try to out wierd me, three-eyes. I get stranger things than you, free with my breakfast cereal. --Zaphod Beeblebr
  9. Great by bigsexyjoe · · Score: 1

    Are people's illnesses also going to be delayed until January 1, 2015 if their employer has fewer than 50 employees? The mandate that people have to buy insurance is the bad part of the law. Having employers provide insurance was the upside.

    The Democrats are shooting themselves in the foot with this illegal delay in implementation of this part of the law.

    1. Re:Great by MachineShedFred · · Score: 2

      Wait, you thought that they care about people? They care about what keeps them in Washington, evidenced by delaying the massive political meltdown that was 6 months away, 9 months before the next midterm election.

      This is the worst kind of politics - shoving through a bad law that people increasingly don't like; and then delaying the enforcement of the law until the political backlash won't matter, leaving the people that the law would have helped twisting in the wind.

      So go ahead and re-elect those Senators to 6-year terms. By the time they are up for a potential firing again, everyone will have forgotten about this ridiculous mess.

      --
      Slashdot still doesnâ(TM)t support Unicode after it was added to the HTML standard in 1997.
    2. Re:Great by I'm+New+Around+Here · · Score: 2

      The Democrats are shooting themselves in the foot with this illegal delay in implementation of this part of the law.

      Only if you believe the implementation of the law isn't going to tank the economy.

      Which is what the Democrats are afraid will happen.

      --
      If you think I voted for Trump because of this post, you're wrong. I voted for Dr. Jill Stein of the Green Party. Again.
    3. Re:Great by ebno-10db · · Score: 1

      The mandate that people have to buy insurance is the bad part of the law. Having employers provide insurance was the upside.

      I don't agree. We should follow the example of the Evil Frozen Socialists of the North, and have everyone covered by a universal insurance policy paid for by taxes. The individual mandate is a burden on people who don't have much money, and they still wind up getting screwed on the price compared to employers who have more bargaining power. The subsidies are also insufficient. OTOH insisting that employers pay for insurance is an unnecessary burden on them What the hell should health insurance have to do with employment? Does you employer also buy your groceries? They give you a paycheck and it's your concern how to spend it.

    4. Re:Great by ScentCone · · Score: 1

      By the time they are up for a potential firing again, everyone will have forgotten about this ridiculous mess.

      No, they won't have forgotten. Because by then, almost every family in the US will have or know somebody who has had a disastrous encounter with one of the tens of thousands of new IRS employees who are being put into place to police individual involvement with Obamacare, and who will set into motion everything from fines with interest to bank account and home seizures for not perfectly complying with a byzantine new law that people like Nancy Pelosi said we'd have to pass so we could see what was in it. No, people aren't going to forget, because the annual screwing they're going to get will be very tangible.

      --
      Don't disappoint your bird dog. Go to the range.
    5. Re:Great by tompaulco · · Score: 1

      Having employers provide insurance was the upside.
      What if they don't have a job? What if I don't want to be tied to my employer because I am afraid of losing my health coverage? What we ought to do is make it ILLEGAL for employers to provider health insurance. We also ought to make it a law that you have to buy Health Insurance, and NOT health PLANS.
      Basically, the things that Obamacare is trying to address are good, but the implementation is exactly the opposite of what it should be. It benefits companies and insurance companies and screws over employees.

      --
      If you are not allowed to question your government then the government has answered your question.
  10. Cue the Obama and Obamacare bashing... by fldsofglry · · Score: 1

    3...2....1....

  11. Re:Obamacare for people who do not want insurance? by squiggleslash · · Score: 1

    You can pay slightly higher taxes, as an alternative to getting health insurance. This will offset the burden you (as a group) place on the rest of us when you need urgent, critical, healthcare, and are unable to pay for it, declaring bankrupcy or something similar instead to avoid paying.

    You certainly don't need to leave the US, and while the tax penalty can get quite high (there's a middle range indeed where it's more than the cost of subsidized insurance) it's certainly not so extreme as to not be an option.

    --
    You are not alone. This is not normal. None of this is normal.
  12. And yet the individual mandate still stands! by BillCable · · Score: 4, Insightful

    So at this point companies DON'T have to provide you insurance, but you MUST carry insurance. So all those people who would have been covered if the business deadline wasn't pushed back will be forced to buy their own insurance on the individual market. Either that or pay the "tax." This is a recipe for real disaster.

  13. More complicated by necro81 · · Score: 3, Insightful

    While there is probably a political angle to the decision, the reason for the delay is more prosaic:

    Under the new law, companies with more than 50 employees must provide their workers with health insurance.* Those companies that do not comply are levied a per-employee tax penalty. Employees that do not receive coverage through their employer can purchase insurance on the open market, and low- and middle-income workers can avail themselves to government subsidies to purchase coverage. In other words, the government is attempting, through the tax code, to recoup the employee's health care subsidy from the employer.

    In order to carry out the employer mandate, the Treasury Department needs to know which companies are opting out and also which employees are subsequently utilizing government subsidies for healthcare. This is a technical challenge that the IRS (the Tax Man) has determined they won't have ready in time for the Jan 1, 2014 deadline. Businesses, too, have complained that their duty and mechanism for reporting who they are covering with insurance is difficult and onerous. So the decision has been made to push back the deadline.

    Because the whole mechanism is linked to taxes, it is difficult to push the deadline back by, say, six months, because it would be tough to figure out how to pro-rate both the subsidy and the penalty. Most health insurance contracts (employer-provided or otherwise) run from Jan 1 to Dec 31, anyway. So, they pushed the effective date back to the next tax / health insurance / calendar year.

    Yes, the new deadline occurs after the 2014 elections. But considering there are national elections every two years in the United States, pushing any deadline back by one year yields a 50/50 chance of passing over an election year. Would pushing it back just six months be any better, how about two years?

    * For those, both outside and inside the U.S., who are wondering why health insurance is a benefit attached to a person's job, rather than a social benefit from the government (like in most other countries) or something each person seeks on the open market (like automobile insurance), the answer is: "it's complicated." It isn't the result of any particular plan, that's for damn sure; but rather the long meandering course of history. Those who are curious should read Paul Starr's book The Social Transformation of American Medicine . The Affordable Care Act follows the path of having health insurance as a workplace benefit mostly because that is how most people in the U.S. already get it.

    1. Re:More complicated by TechNeilogy · · Score: 1

      As someone who has done considerable work in the medical insurance software industry, I see two sides to this issue. First, some businesses are woefully unprepared for the changes, which really can be complex. On the flip side, part of this is because -- like school homework on a weekend -- they tend to put off until later anything that can be put off. So to the extent the extra time is used wisely, I think it's a good idea. I'm willing to bet, unfortunately, that a lot of businesses will just use the extra time to procrastinate, and will be in the same position a year from now.

      --
      "The wisdom of the Patriarchs was that they *knew* they were fools." --Master Foo
    2. Re:More complicated by ggraham412 · · Score: 1

      All of the cascading corrections to unexpected ramifications of and earlier corrections to Obamacare remind me of this Simpson's vignette:

      KENT Our top story, the population of parasitic tree lizards has exploded, and local citizens couldn't be happier! It seems the rapacious reptiles have developed a taste for the common pigeon, also known as the 'feathered rat', or the 'gutter bird'. For the first time, citizens need not fear harassment by flocks of chattering disease-bags.

      SKINNER Well, I was wrong. The lizards are a godsend.

      LISA But isn't that a bit short-sighted? What happens when we're overrun by lizards?

      SKINNER No problem. We simply unleash wave after wave of Chinese needle snakes. They'll wipe out the lizards.

      LISA But aren't the snakes even worse?

      SKINNER Yes, but we're prepared for that. We've lined up a fabulous type of gorilla that thrives on snake meat.

      LISA But then we're stuck with gorillas!

      SKINNER No, that's the beautiful part. When wintertime rolls around, the gorillas simply freeze to death.

    3. Re:More complicated by Hatta · · Score: 2

      This is a technical challenge that the IRS (the Tax Man) has determined they won't have ready in time for the Jan 1, 2014 deadline. Businesses, too, have complained that their duty and mechanism for reporting who they are covering with insurance is difficult and onerous. So the decision has been made to push back the deadline.

      Bullshit. They knew this deadline was coming since 2010, they had plenty of time to implement the required software and chose to delay. They should all be hit with the full force of penalties under the law. I don't get excused if I'm too lazy to obey the law, why should they?

      For those, both outside and inside the U.S., who are wondering why health insurance is a benefit attached to a person's job, rather than a social benefit from the government (like in most other countries) or something each person seeks on the open market (like automobile insurance), the answer is: "it's complicated."

      No, it's not complicated. It's completely explainable by the simplest explanation, corruption.

      The Affordable Care Act follows the path of having health insurance as a workplace benefit mostly because that is how most people in the U.S. already get it.

      The ACA follows that path because that is how the rich who control politics and economics in this country want it.

      --
      Give me Classic Slashdot or give me death!
    4. Re:More complicated by darkstar949 · · Score: 1

      Bullshit. They knew this deadline was coming since 2010, they had plenty of time to implement the required software and chose to delay. They should all be hit with the full force of penalties under the law. I don't get excused if I'm too lazy to obey the law, why should they?

      When have you ever heard of a major government software project being delivered on time? If anything, we should be shocked and impressed they are only one year behind schedule.

    5. Re:More complicated by argStyopa · · Score: 3, Funny

      ^the above is a very long, circuitous way to say:

      "We wanted it passed theoretically, so we voted for it; but we didn't really have a fucking clue about how it would actually be implemented and are only actually reading the bill now, and so need more time to study/figure out how to apply this catastrophic mess to the real world.

      Signed,
      Congress"

      --
      -Styopa
    6. Re:More complicated by CrimsonAvenger · · Score: 1

      For those, both outside and inside the U.S., who are wondering why health insurance is a benefit attached to a person's job, rather than a social benefit from the government (like in most other countries) or something each person seeks on the open market (like automobile insurance), the answer is: "it's complicated."

      Not terribly.

      It all started with the Wage and Price Controls put into place during WW2.

      Which left employers unable to offer more money to attract qualified employees, till some bright boy figured "hey, if we pay for health insurance for that new engineer, that'll be a bit more incentive to work for US rather than THEM (since we both have to offer the same salary)".

      By the time the Wage and Price Controls were lifted, the Unions had started to add that to the bargaining process, and the rest, as they say, was history.

      --

      "I do not agree with what you say, but I will defend to the death your right to say it"
    7. Re:More complicated by Magius_AR · · Score: 1

      You misunderstand...this is not a crony choice being made to benefit business. This is an ochestrated political decision made by the White House to improve their party's election chances in 2014. Believe it or not, crippling economic fallouts are not opportune in an election year. If the timeline were different, or if the effect on business had been more subdued, Obama wouldn't have done jack to delay this.

  14. Silliness by Anonymous Coward · · Score: 1

    Ha! This is just silliness on the way to a single payer system. Right now I pay about $7k per employee per year for insurance. And my penalty is only $3k? What do you think I'm going to do when the employer mandate takes effect?

    1. Re:Silliness by JackieBrown · · Score: 2

      Why would you change what you are doing now? The penalty is currently 0.

    2. Re:Silliness by Straif · · Score: 1

      The whole point of this loose web of unintended consequences called the ACA was so that individuals could get health insurance if their employer chose not to provide it.

      So for any company currently paying for their employees insurance (as in the GPs case) it's just common sense to remove the cost of health insurance from their books and pay the fine (which in a lot of cases is a lot more than the 4k from the example above) and let the employee get their own insurance on the exchanges. Of course how much of that savings is passed on to the employee is probably negligible and I don't believe individuals can claim the tax exemption so the employees will most likely end up with less insurance then before and have to incur the additional costs themselves or get taxed by the feds.

      --
      Of course that's just my opinion...... you could be wrong!
  15. just guessing by nten · · Score: 2

    I'm just guessing, but the op probably doesn't go to doctors either. I had neighboring family like that when I grew up. I don't remember what the religion was, but if they got sick, they slept a lot and drank water. I never thought to ask about broken bones. If they refuse to get medical help and just die, it probably lowers the overall cost of healthcare. Kind of like how smokers reduce costs.

    --
    refactor the law, its bloated, confusing and unmaintainable.
    1. Re:just guessing by ebno-10db · · Score: 1

      As for broken bones, I've only had one (just above the ankle), which I set myself 22 years ago, braced and splinted it, and just waited for it to heal/walked it off.

      That's nothing. Now try performing an appendectomy on yourself.

    2. Re:just guessing by RKThoadan · · Score: 1

      Well, they were offering free SURGICAL steel knives at Wal-Mart the other day. I'm guessing that was just a ploy to get me to buy a home-surgery for dummies book and sutures.

  16. Re:This'll take awhile for people to accept by squiggleslash · · Score: 2

    There's no area where "bureaucrats make decisions regarding our family's healthcare" is true tomorrow that wasn't true in 2007. The difference is that in some areas decisions that were made by insurance companies are now made by publicly accountable government employees. Moreover, if this is a "Death Panels" reference, the so-called panels determine policy issues, not individual cases. Whether an insurance company pays for grandma's hip operation is still a decision made by an Insurance Company bureaucrat, albeit one that you can now sue over if it contradicts the general policies set by the government.

    Obamacare is a stupid, barely effective, way of providing universal healthcare that's, in practice, an unnecessary bailout for the health insurance industry, but let's keep the criticisms factual, OK?

    --
    You are not alone. This is not normal. None of this is normal.
  17. Re:This'll take awhile for people to accept by ganjadude · · Score: 2

    they already did decide on an individual case. did you see that a little girl got a lung transplant who, by law, shouldnt have? I mean im happy for her but dont fool yourself.

    --
    have you seen my sig? there are many others like it but none that are the same
  18. One word... by Jawnn · · Score: 1

    ...weak.

  19. Re:This'll take awhile for people to accept by ebno-10db · · Score: 1

    nothing compared to denying Grandma her hip replacement because you voted for the wrong candidate

    Suddenly you're worried about that? Whether grandma gets her hip replacement has been a political matter since grandma was a hot young thing. Medicare was enacted in 1965.

  20. Re:Obamacare for people who do not want insurance? by squiggleslash · · Score: 1

    Good for you, but what do you plan to do if, say, you contract an expensive form of cancer? The probability is pretty low that you're part of that group that can casually drop a half million or more on a treatment regime.

    As a group, you're in with a bunch of people who will contract cancer and never be able to pay for it (not because you're religious but because you're human and you're choosing not to be able to pay for it), as well as other less expensive things that the victim will be unable to pay for. Hence you pay a tax to offset the problems caused by membership of your group.

    --
    You are not alone. This is not normal. None of this is normal.
  21. Re:Obamacare for people who do not want insurance? by datavirtue · · Score: 2

    I think this constitutes a tax on religion.

    --
    I object to power without constructive purpose. --Spock
  22. Re:This'll take awhile for people to accept by Trepidity · · Score: 2

    As opposed to today, when... bureaucrats make decisions regarding my family's health care.

    Here are the people who today control whether my treatment is covered: 1) the bureaucrats at the insurance company my employer chose; and 2) the bureaucrats at my employer who chose the insurance company.

    Of course, if I'm rich, I can pay for anything I want out of pocket. That will be the same under PPACA, too. But if I'm not rich (and I'm not), it's bureaucrats deciding if I'm covered, yesterday and tomorrow.

  23. Re:Obamacare for people who do not want insurance? by I'm+New+Around+Here · · Score: 1

    I've heard that this law forces people to carry health insurance, my religious belief prohibit purchasing things like insurance, and I've already been breaking the law for 14 years not carrying car insurance, but I'm going to have a hard time lying to my employer and saying "I have other health insurance" so they don't give me this.

    What are people who can not, or do not want to have health insurance supposed to do when Obamacare goes into effect, apart from leave the United States?

    Accept that this is being implemented as a tax. Give up several thousands of dollars either to an employer-arranged plan that you never use, or to the government for not having that plan.

    Your employer doesn't violate your beliefs by putting you on a company-wide plan. But your paycheck will be lower.

    --
    If you think I voted for Trump because of this post, you're wrong. I voted for Dr. Jill Stein of the Green Party. Again.
  24. Re:Obamacare for people who do not want insurance? by ebno-10db · · Score: 1

    I've heard that this law forces people to carry health insurance, my religious belief prohibit purchasing things like insurance

    If there isn't already, there'll be a court decision that gives an exemption based on religious beliefs, The 1st Amendment almost always trumps other considerations in the courts. Belong to the right church and you can legally use peyote.

  25. Re:arbitrary dates? by I'm+New+Around+Here · · Score: 2

    No, Obama has assumed dictator powers on many issues.

    He no longer needs Congress to pass legislation, and submit it for his approval. He can do whatever he pleases.

    I'm surprised it took so many people so long to realize this is what would happen.

    --
    If you think I voted for Trump because of this post, you're wrong. I voted for Dr. Jill Stein of the Green Party. Again.
  26. Re:This'll take awhile for people to accept by ScentCone · · Score: 4, Insightful

    The difference is that in some areas decisions that were made by insurance companies are now made by publicly accountable government employees.

    Which would be interesting if the "publicly accountable" part were even remotely true. Look at the political actions of managers and supervisors in the IRS, and the utter stonewalling by that agency and un-shocking lack of curiosity by their boss who heads the executive branch, the president, as to who to hold accountable for exactly the sort of capricious behavior that you're suggesting won't happen. The IRS is hiring tens of thousands of brand new, un-accountable, essentially un-fireable new employees explicitly to have them make judgement calls about whether individual people have been sufficiently in compliance with a gigantic, byzantine new law that nobody understands. They will decide whether those individuals ultimately may end up having wages garnished, businesses ruined, homes seized, or spend time in prison if they aren't doing it exactly right. That you see such new power and enforcement in the hands of the IRS as an improvement is unfortunate.

    --
    Don't disappoint your bird dog. Go to the range.
  27. I just told my wife last week that this was going by neo-mkrey · · Score: 1

    I just told my wife last week that this was going to happen. She said I was being pessimistic. Turns out I was just being realistic.

  28. Employers already know the loophole by punker · · Score: 5, Insightful

    They don't have to pay the fine, or provide insurance. They just make their employees part timers.

    I've seen some anecdotal evidence of this (from waitstaff at a couple different restaurants, security guards at my parking deck, blog posts). Unskilled labor positions (i.e. the people that were targeted to receive this benefit) are just having their hours cut to 30 hours/week because part time employees are not subject to the insurance requirement. With current employment trends, it's easy to hire some extra part timers to fill the gap. It's a non-issue for skilled laborers, because most already receive employer provided insurance.

    The real problem here is this law was intended to require a benefit (i.e. minimum compensation) for people who do not generally receive it already. So now, not only will they not get insurance, but they're also facing a 25% cut in income.

    1. Re:Employers already know the loophole by Anonymous Coward · · Score: 2

      The real problem here is this law was intended to require a benefit (i.e. minimum compensation) for people who do not generally receive it already. So now, not only will they not get insurance, but they're also facing a 25% cut in income.

      What percentage of those people voted for the politicians who enacted this law? I bet it's in the high 90's.

    2. Re:Employers already know the loophole by Anonymous Coward · · Score: 2, Informative

      For some it's a much steeper cut than that. I have friends in retail who are losing hours. One got knocked from 40 to 25. Several others in his store also took the same cuts. Very few people got to keep their full time positions, and some of the salaried people (managers) are now expected to pick up some of the slack until they maybe, maybe hire new help. (They'll have to hire some but it's uncertain if they'll replace all of the lost manpower.)

      It's despicable, and I'd like to say that I'm stunned that our lawmakers have so little foresight that they didn't anticipate this but not only does it not surprise me, I'm willing to believe this is an intentional effect.

    3. Re:Employers already know the loophole by Viewsonic · · Score: 1

      This happened to my girlfriend. They cut all the full time employees to working 25 hours and under. They went on a mass hiring spree to compensate. It's something Walmart has been doing for years and years. The problem is, it's not 2014 yet, so the affordable exchanges are not available to everyone yet. At that point all those people will be able to get health care for basically nothing, as their pay scale will determine how much in assisted aid they get. If they get paid $15k a year pumping gas, their health care will basically be entirely covered. Companies are using this as a method to push expenses from their pocket to the tax payers pocket.

      Not that I don't have any problem with this. It's speeding up the process to get everything straight up nationalized. By the end of 2014, I am guessing most of the workforce will be covered by the government. At which point they will just say there is no point in having companies pay for it, and just move everyone to it. Then we can get all the providers under control with cost requirements.

    4. Re:Employers already know the loophole by Anonymous Coward · · Score: 1

      Yep, this already happened at the school that my kids go to. Teachers and administrative staff are full-time, salaried, and have benefits, including healthcare. Other people, like the person that staffed the library, were full-time, hourly, and didn't get benefits, making $8-9 per hour. Hours for positions like that were cut from 40 per week to 28 per week in anticipation of of this law, to avoid having to effectively double the labor expenses for these positions. A bunch of the hourly people quit when this was announced.

    5. Re:Employers already know the loophole by Cobol+God · · Score: 1

      Right now I know Racetrac and Murphys USA gas stations kept only managers as full time and rest are downgraded to part time no benefits. I asked the district manager for the Murphys here how are his employees going to survive. His answer? Get another job.

      So to survive you will have to have 2-3 part time jobs just to make the same as 1 full time job and still have NO benefits. I have heard most of the bigger stores around here are doing the same thing. Managers = full time, everyone else is going part time.

    6. Re:Employers already know the loophole by punker · · Score: 1

      The real problem here is this law was intended to require a benefit (i.e. minimum compensation) for people who do not generally receive it already. So now, not only will they not get insurance, but they're also facing a 25% cut in income.

      What percentage of those people voted for the politicians who enacted this law? I bet it's in the high 90's.

      Highly unlikely. We never get voter turnout on that scale.

    7. Re:Employers already know the loophole by punker · · Score: 1

      This happened to my girlfriend. They cut all the full time employees to working 25 hours and under. They went on a mass hiring spree to compensate. It's something Walmart has been doing for years and years. The problem is, it's not 2014 yet, so the affordable exchanges are not available to everyone yet. At that point all those people will be able to get health care for basically nothing, as their pay scale will determine how much in assisted aid they get. If they get paid $15k a year pumping gas, their health care will basically be entirely covered. Companies are using this as a method to push expenses from their pocket to the tax payers pocket.

      Not that I don't have any problem with this. It's speeding up the process to get everything straight up nationalized. By the end of 2014, I am guessing most of the workforce will be covered by the government. At which point they will just say there is no point in having companies pay for it, and just move everyone to it. Then we can get all the providers under control with cost requirements.

      This is actually an interesting observation. I never liked the form of this law. I always thought that the way to improve health care for the working poor was through expansion of medicaid. While I disagree with your perspective on the amount of workforce receiving coverage and overall nationalization, I think you have very astutely recognized how the coverage expansion will work. And I agree that it will be followed up by cost control measures (likely episodic pricing as opposed to a la carte pricing).

    8. Re:Employers already know the loophole by JayWilmont · · Score: 1

      Things like this are always maddening to me since they have such a simple solution: instead of having a hard boundary (40 hours/week) just pro-rate things. So if for a full-time employee the company pays 50% of the insurance cost and the employee pays 50%, then make the employer of the 20 hour/week employee pay 25% and the employee 75%. (And do this at a per-hour resolution, not a full time/half-time resolution). This would give employers much less of an incentive to cut hours to get below some magic number.

      (Of course why we still allow insurance to be tied to employment is a whole other kettle of crazy fish.)

  29. Re:This'll take awhile for people to accept by Holi · · Score: 1

    What you mean the bureaucrats in the insurance companies that have been doing that exact thing for decades? Those bureaucrats? the same bureaucrats that will be doing it now as this is just mandating insurance not supplying it.

    --
    Sorry, teleporters just kill you and then make a copy. A perfect, soul-less copy.
  30. What surprises me is... by RivenAleem · · Score: 3, Interesting

    How can any employer think that workers w/o health insurance work better than those who do? Most governments have figured out that the tax from cigarettes does not outweigh the cost to the economy of a sick worker, hence they are trying to get as many people to quit as possible. Health insurance is the same, the cost to keep workers healthy is worth it to have better workers. It also encourages the worker to stay with the company. The number of times I've heard of people moving job because where they were going had health insurance has to be some indication of it's worth to the employer.

    1. Re:What surprises me is... by hymie! · · Score: 1

      Quite frankly, the answer is "long-term thinking" vs "short-term thinking". An employee can either cost me $1000 or $1700. Which would I rather pay?

      The same kind of thinking that makes a manager say "If I can save $10,000 , then that's a good thing. It's going to cost someone else $25,000 , but that money isn't *my* money, so it's still a savings."

    2. Re:What surprises me is... by Viewsonic · · Score: 1

      The fact is, companies should not have to worry about paying for health insurance. It needs to be ripped from their expenses and put on a national scale. If you look at countries like Denmark where the government lets every citizen free health care and free schooling all the way through college, you will find they have some of the highest entrepreneurship in the world. Why? Because starting a business there only requires the motivation to just do it. They don't have to worry about all the other expenses. It's a large load off their shoulders. This is what America should be striving for.

    3. Re:What surprises me is... by cockpitcomp · · Score: 1

      Business owners went the ideological "socialism is bad" route rather than their own interest and lobbied against nationalization.

    4. Re:What surprises me is... by HeckRuler · · Score: 1

      How can any employer think that workers w/o health insurance work better than those who do?

      When the work is menial, the training short, and the replacements are plentiful then the cost of giving two shits about any state of your employees is more than the cost of firing them and getting new ones.

      For certain industries and types of work, the bosses really don't care if you "stay with the company". And they can have systems in place that if you miss days, or slow down on the job, they simply take it out of your paycheck. That reduces the incentive to keep you healthy, as any illness impacts the worker, rather than the employer.

      Governments are different. They can't really fire their citizens. Not... exactly.

      If you think that all jobs struggle to attract talent and everyone has the option to move to a better job with better benefits, I think it's time for you to go mingle in different social circles.

  31. Re:Obamacare for people who do not want insurance? by Holi · · Score: 1

    And their is actually nothing illegal about that.

    --
    Sorry, teleporters just kill you and then make a copy. A perfect, soul-less copy.
  32. Re:Obamacare for people who do not want insurance? by Holi · · Score: 1

    Except there is no constitutional protection from taxes. So what 1st amendment issue could be raised?

    --
    Sorry, teleporters just kill you and then make a copy. A perfect, soul-less copy.
  33. Tying healthcare to employment by SCHecklerX · · Score: 1

    ... is a big part of the problem.

    You want it privatized? Force them to compete. No more employer-provided healthcare to drive up costs for those of us who would rather shop on our own. I don't have employer-provided car insurance, yet the majority of the mileage on my car is from going to and from work. Decouple healthcare from your job. Let us shop for the health insurance that best meets our own needs.

    1. Re:Tying healthcare to employment by hymie! · · Score: 1

      Legally, commuting is not considered a "business expense". If you drive on actual company business, you might have employer-provided car insurance. I do. You should ask.

  34. The individual mandate still in place by RogueWarrior65 · · Score: 1

    Big whoop. The individual mandate is still in place. As a self-employed person who buys his own insurance, I have no idea if my current plan "qualifies." I'm waiting for the other shoe to drop or perhaps more than one shoe. If my current plan doesn't "qualify" am I suddenly going to get a gigantic rate increase even though I haven't needed medical care in 15 years? Or worse, my current provider decides to close its doors and I'm stuck paying a ludicrously high rate because the marketplace is now smaller.

    1. Re:The individual mandate still in place by RKThoadan · · Score: 1

      Actually the marketplace will be much larger by orders of magnitude and you should be in a prime position to benefit from it (and Obamacare generally). I would head over to https://www.healthcare.gov/families and check things out. Actual policy details and rates should be available on Oct 1st.

    2. Re:The individual mandate still in place by RogueWarrior65 · · Score: 1

      Yeah, that's totally useless marketing B.S. I have yet to see any document that tells me whether or not my current plan meets government-mandated standards.

    3. Re:The individual mandate still in place by RKThoadan · · Score: 1

      There's a very good chance it will fall under the grandfathering rules which means that for the most part it doesn't have to meet those standards.

      Here's the FAQ on that: https://www.healthcare.gov/what-if-i-have-a-grandfathered-health-plan

      The main catch in those rules is that if the plan's had any significant changes since March 23, 2010 it may not qualify. Note that you don't have to have been enrolled since then, just the details of the plan can't have changed much. Your insurance company should be able to tell you if your plan is grandfather-able.

      Honestly, I wouldn't worry too much about it. Fixing the individual market is arguably the #1 effect of the ACA. Odds are extremely good that you'll be able to get equal or better coverage for nearly the same price, perhaps less when the subsidies are taken into effect. Hit the site up on Oct 1st when full pricing and details are available.

      Another site that may be useful is this: https://coverageforall.org/

    4. Re:The individual mandate still in place by RogueWarrior65 · · Score: 1

      Again, there are no specifics. The grandfather page simply says "Your plan MIGHT be grandfathered." But they don't tell you the exact criteria that qualifies. Regardless, I switched insurers in August 2010 which means I'm probably effed on that. Or rather, I was switched because my previous provider decided to close their doors.

      Nowhere is there any list of requirements that will excuse you of the AHCA fines *cough* 'scuse me, tax *cough*
      Nowhere does it say "You must have coverage for A, B, and C. You must have a deductible of X dollars. Your plan must have U, V and W"
      I even logged on to my current provider's site with my ID number and nowhere in that information does it say if my plan is going to meet the government's requirements.

    5. Re:The individual mandate still in place by RKThoadan · · Score: 1

      Your switch won't matter at all. The plans are grandfathered in, not people. As long as the plan you are on was in existence on March 2013 and had people enrolled it's possible for it to be grandfathered. If a company chooses to keep a plan available you could even change to a grandfathered plan 10 years from now if you really want to.

      Here's something I found with some more details on what would make a plan ineligible: https://www.aetna.com/health-reform-connection/questions-answers/grandfathering.html#4

        It's still not perfect as much of it just says "signficant increase" or similar, where "significant" is not precisely defined, but you'll note that it has more to do with costs and coverage changes, more than specifying what must be covered.

      One thing that might help you is to figure out in advance if you'll be eligible for the subsidy, but note that it can only be used on insurance purchased on the exchange. Here's the best calculator I can find at the moment: http://kff.org/interactive/subsidy-calculator/

    6. Re:The individual mandate still in place by RogueWarrior65 · · Score: 1

      I know for a fact that I don't qualify for any subsidy (and that calculator proves it). Regardless, the premium they show there is more than I currently pay. So does that mean that I have to cough up the difference because in the government's eyes I'm not paying enough? Crock o' beans. I haven't had a claim in more than 15 years.

      As for the grandfathered thing, the details are vague at best and a sword of Damocles at worst.

      Everybody in government and insurance had the last three years to tell us what the new rules of the game are. I still say this is going to be a train wreck.

    7. Re:The individual mandate still in place by RKThoadan · · Score: 1

      I've got no idea where it's getting those price estimates from. It does say below that the estimates are for a Silver plan. Bronze plans will be cheaper and will be minimum coverage.

      You appear to have reasonable justification for you're concerns, but I hope it turns out better than that. Just remember that if you've been paying out-of-pocket for any healthcare at all those costs will be substantially reduced. Good luck!

    8. Re:The individual mandate still in place by RogueWarrior65 · · Score: 1

      FYI, I just got a pleasant little note from my insurance company letting me know that they're raising my premium 25% so that it falls in line with ACA standards (yes, they actually said that). So the reality is that insurance rates aren't going down. The government has decided what everyone should be paying and the insurance companies gleefully said "Cool, now we can raise our rates to match"

      Train wreck

    9. Re:The individual mandate still in place by RKThoadan · · Score: 1

      I just discovered something that may or may not apply to you. Apparently if the cost of private insurance would be more than 8% of your taxable income you can be exempt from the individual mandate. I didn't know this.

      Link: http://money.usnews.com/money/blogs/the-best-life/2012/07/13/how-the-health-insurance-mandate-penalty-will-work

      If your insurance company is just raising premiums then they're lying through their teeth and I recommend reporting that to your states insurance regulator. If they're also increasing coverage to meet bronze plan standards they're still being a bit deceptive, but that's more understandable as giving a full explanation would probably be incomprehensible to most people, but I'd expect they'd include more information about your new coverage (or maybe not since they certainly don't want you actually using it).

  35. Fucking politicians... by Anonymous Coward · · Score: 1, Insightful

    ...ramrod such bullshit laws down the throats of Americans, and then don't even want to obey to the letter of their own laws they passed when they find out that it adversely affects even their own ilk.

    1. Re:Fucking politicians... by TheGratefulNet · · Score: 1, Interesting

      its not the politicians, this time. its the most wonderful 'business men'. you know, the 'job creators'. all hail the job creators! they ask and we supply them with whatever their little hearts desire.

      who runs bartertown? businessmen.

      obama is a dick. he sold us out. I hated bush but I'm now thinking obama is just about as bad, just not as much of a war-monger (not a blatant one, at any rate) but he has done virtually nothing that he promised. what a wuss!

      too bad that we had no choice last 2 elections. we could choose from bad vs really bad. I don't think the R-guys would have done any better, but we certainly were lied to when we were promised 'change we can believe in'. what a load of horse-shit!

      --

      --
      "It is now safe to switch off your computer."
    2. Re:Fucking politicians... by Seumas · · Score: 5, Insightful

      You're only now thinking that Obama is just as bad?

      The rest of us were telling you that bad during the first election. And guess what? The next guy isn't going to be much better -- regardless of whether he's Mr. Red State or Mr. Blue State. Might even be worse. Unfortunately, these rah-rah Reddit teenagers that get little baby chubbies in their pants as soon as they're old enough to vote, because "if we just vote Obama/Romney/Whoever this time, we will finally make a change to the world because this will totally be different than the past 230 years!" keep coming in thinking shit is just on the verge of turning around. Naive idiots.

    3. Re:Fucking politicians... by pnutjam · · Score: 4, Insightful

      While I have been disappointed in Obama, I don't think he is to blame for most of our problems. The real problem is out of my control. I can voter for a decent president. I can't vote for a decent representative for every small minded gerry-mandered district in America. You can see many states, Blue and Red that elect knowledgeable people who are good at representing the voters.

      But time and time again there are places that always elect the incumbent who has become too entrenched to do anything good, or pants on head crazy people who can't be reasoned with.

      We still try to do our best...

    4. Re:Fucking politicians... by lgw · · Score: 4, Informative

      its the most wonderful 'business men'. you know, the 'job creators'. all hail the job creators

      I'm not sure why you mock. It is precisely unemployment fears that have driven this decision. Job creation is something that human employers do, and that's the only source of jobs. There is no job fairy.

      Small businesses usually have employee compensation as their dominant cost. "Making payroll" is by far the chief worry of small business owners. If you raise the cost per employee, the number of employees per small business must fall. In a robust and growing economy you can get away with that - heck if things have been good for a while even small employers likely have some slack to pay workers a bit more. But when the economy has sucked for the past 5 years, there's just no slack to work with.

      --
      Socialism: a lie told by totalitarians and believed by fools.
    5. Re:Fucking politicians... by Anonymous Coward · · Score: 1

      It is precisely unemployment fears that have driven this decision.

      It is precisely mid-term election fears that have driven this decision.

      In the current weak economy, the mandate would likely lead to many workers being reduced to sub-30 hours/week to force them into part-time status, thus avoiding the insurance requirement. Barring a sudden economic upturn, layoffs are also a likely consequence of the mandate to reduce the costs of the insurance requirement (or of the fine). The politicians with a (D) next to their names, particularly the President, don't want that happening throughout most of 2014 right up to the November elections.

      It's not fears about unemployment so much as it is fears of the political consequences of unemployment.

      - T

    6. Re:Fucking politicians... by HeckRuler · · Score: 3, Insightful

      No the "rest of you" were telling us that he was a secret muslim terrorist hiding his birth cirtificate because it would show how he was planning to round up all the whiteys into FEMA camps and handing out their stolen wealth to the blacks and latinos while sucking the balls of Yemen, Crotkovia, and the Taliban.

      Those of us that were paying attention noticed that as a senator during the race he voted to give the telecom companies retroactive immunity in the warrantless wiretapping fiasco. That put a big damper on my enthusiasm for him, but he was still LEAPS AND BOUNDS better than McCain and his psycho-crazy-VP choice from hell. It was also pretty indicative of his future policy.

      And all that aside, he is WAY better than Bush. In some ways. And those ways are MASSIVLEY important. Now, Obama might be toeing the line to his corporate overlords and erroding civil rights just as much as Bush did, but he didn't unilaterally launch a pointless war costing trillions of dollars, thousands of US lives, and HUNDREDS OF THOUSANDS of civilian deaths. I just can't quite state how collosal of a fuckup invading Iraq was. Seriously. For all the spying that's happening under Obama's watch, he didn't launch any wars. This makes him vastly different and better.

    7. Re:Fucking politicians... by jahudabudy · · Score: 1

      Job creation is something that human employers do, and that's the only source of jobs. There is no job fairy.

      Neither do job creators just magically create these jobs. They see a market need and fill it. If they didn't, the next guy who tried the same thing and failed would have succeeded. That's the thing - job creators are necessary, but not any particular job creator*. The guys that say "raise my taxes and I'll take my job creator self overseas" are deluded by ego. There are a hundred guys right behind him happy to take over his market position and provide those exact same jobs. And one of them will succeed, because the market is still there.

      *there is the occasional rare genius that creates his own market and is absolutely necessary. But not many.

      --
      ...sometimes, in order to hurt someone very badly, you have to tell that person terrible lies. - PA
    8. Re:Fucking politicians... by tacokill · · Score: 3, Informative

      Wait so with a (D) President and a (D) Senate.....you think the problem is the house of representatives because "people aren't electing who they should be"?

      Uhh, ok dude.

    9. Re:Fucking politicians... by lgw · · Score: 2

      No, consumer demand does not magically create jobs. It does create the need for jobs, but actually starting a business to meet that need is hard work, requiring special skills.

      We seem to have done a bunch of pointless "stimulating" on both sides with little result except massive debt over the past few years. Maybe less government involvement is worth trying, for once?

      --
      Socialism: a lie told by totalitarians and believed by fools.
    10. Re:Fucking politicians... by jd.schmidt · · Score: 1

      It isn't as strait forward as that however. It is true an employer can't afford to pay more for labor than the competition, however when everyone pays the same thing, the price of the service simply adjusts.

      More importantly, jobs really have more to do with customers than employers. Employers do have an effect on job creation, but no good employer hires anyone not actually needed to fulfill customer demand. At the end of the day we are a consumption based economy, all that really means is if no one is buying chairs, no one will be making chairs.

      There is every reason to believe that the downward pressure on employee (consumer) wages has been hurting our economy and causing asset investment bubbles. An economy can have too little investment capital, but typically you would not expect asset bubbles to form under those circumstances. Asset bubbles are too many investment dollars chasing too few good investments, aka real consumption.

    11. Re:Fucking politicians... by lgw · · Score: 2

      Never, have I heard a CEO claim

      I was talking about small business owners. It's a different crowd. They routinely take serious personal financial risks to make payroll. You'd be surprised.

      --
      Socialism: a lie told by totalitarians and believed by fools.
    12. Re:Fucking politicians... by pnutjam · · Score: 1

      I don't care what policies are pushed in the house. I care that people know how to negotiate and compromise to make things work. If you don't see that problem in the house, you are blind.

    13. Re:Fucking politicians... by Actually,+I+do+RTFA · · Score: 1

      The House of Representatives, specifically it's gerrymandering, is probably the worst part of the federal government. See, those districts typically elect idiots. And it doesn't matter what letter they have after their name. The party leadership will want a dyed-in-the-wool X, and idiots are less likely to change their mind.

      I think we have other problems, like putting 50-year-olds on the Supreme Court who then remain entrenched for decades; a Senate that uses the filibuster not to block legislation, but to block appointments; and a sizable portion of the country that only votes for President because of who he will put on the Supreme Court, and in that capacity cares only about a few issues.

      I mean the executive branch has been pretty bad this entire millennium, but it's probably the sanest overall (when looking at the output of the legislative branch - there are clearly better individuals within it).

      --
      Your ad here. Ask me how!
  36. Luxury! by nten · · Score: 1

    I'd feel lucky to just have had to do an appendectomy! When I was three I had to do an appendix *transplant* into myself. You don't know how good you had it.

    Seriously though, the OP's religion's standpoint seems quite sensible and individualistic. Only first world country with that mindset these days is New Zealand it seems.

    What fork is this AC OP?

    --
    refactor the law, its bloated, confusing and unmaintainable.
  37. One state fits all? by Anonymous Coward · · Score: 1

    So your point is that something that works in one state must work in all?

    And to further expound on JackieBrown's excellent comment is that since legal open carry of handguns works so well in Idaho and other free states, I think it should be forced upon NY, Mass, NJ, Ill, CA, and all others too. All the politicians who profit from the continuance of violent crime in those blue states would never stand for that however.

    1. Re:One state fits all? by MaskedSlacker · · Score: 1

      California IS a legal open carry state. Almost no one does it, but as long as you legally own the gun you can legally open carry.

  38. Re:Obamacare for people who do not want insurance? by tlambert · · Score: 1

    And their is actually nothing illegal about that.

    I think you aren't reading the same Constitution the rest of us are reading:

    "Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof"
    http://en.wikipedia.org/wiki/United_States_Bill_of_Rights#Amendments

    If it costs me a fine to exercise my religion and someone else, it doesn't cost them a fine, and all other things are equal, then that's charging me for the exercise of my religion.

    Admittedly, it's a stupid belief that the GP is espousing, but people are free to believe whatever stupid things they want to believe.

  39. and now they can get there own plan by Joe_Dragon · · Score: 1

    That covers stuff and has none of that existing condition BS

    1. Re:and now they can get there own plan by mrego · · Score: 1

      Yeah, such BS. I went to my agent to get coverage for some jewelery that was stolen last month and they wouldn't write me a policy for stuff I didn't have. And then they said they wouldn't sell me a policy on my car that was junked last year or my house that burned down two years ago. How ridiculous that you can't buy insurance to pay for bad things that happened already. Such BS. What the heck is insurance for anyway if not to pay me for pre-existing conditions?

    2. Re:and now they can get there own plan by Joe_Dragon · · Score: 1

      health benefits don't work like that it's more like you had a zit 20 years ago well we are not covering your heart transplant. Or you where born with an pre-existing conditions no health benefits for you next.

  40. but the new plans cover more stuff and junk by Joe_Dragon · · Score: 1

    but the new plans cover more stuff and junk plans are banded.

    Stuff like mcdonalds mini med that if you get sick is total f**king garage

    1. Re:but the new plans cover more stuff and junk by chispito · · Score: 1

      Stuff like mcdonalds mini med that if you get sick is total f**king garage

      But that would be quite a hit in dense urban cores, where parking is scarce.

      --
      The Daddy casts sleep on the Baby. The Baby resists!
  41. Comment removed by account_deleted · · Score: 2

    Comment removed based on user account deletion

  42. Re:Blame FDR. by sycodon · · Score: 1

    Oh yeah...NPR. Now there's a completely objective and truthful source.

    --
    When Fascism comes to America, it will call itself Anti-Fascism, and tell you to give up your guns.
  43. Comment removed by account_deleted · · Score: 1

    Comment removed based on user account deletion

  44. The 50 employee limit by tlambert · · Score: 3, Interesting

    I have a friend who has a company which has 53 full time employees.

    He's been investigating how he can get rid of 5 of them, or at least convert them to part time, to escape this mandate.

    Stair step functions have always been a problem when designing things like commission structures, and so on. If I make 6% commission on sales up to $10,000 a day, and 5% commission for sales of $20,000 a day or higher, then I get 6 cents on a dollar if I sell $10,000 or less and 5 cents on a dollar if I sell more. So if I sell $10,000, I get $600, but if I sell $10,001, I get $500.05; I don't break even until $12,000 in sales, where I make $600 again, and I don't start making money again until I start selling $12,001 ($600.05). You can be damn well sure that you aren't going to have any of your sales staff turning in total sales amounts between $10,001/day and $12,000/day, and if they are unable to get close to, but just under, the next point at which there's another stair, you can be damn sure there will be customers hearing "We're out of stock today, but we have a shipment coming in first thing tomorrow, I'll call you".

    This whole "keep the insurance industry in business" welfare program for insurance companies this was a bad idea; if we are going to nationalize healthcare, we really should have gone single-payer and been done with it.

    1. Re:The 50 employee limit by Bigby · · Score: 1

      Your friend can just split it into 2 companies.

    2. Re:The 50 employee limit by Politburo · · Score: 2

      This seems like a misunderstanding similar to how people misunderstand how tax rates work. A properly designed system would be 6% up to $10,000 and then 5% on sales from $10,000-$20,000.

    3. Re:The 50 employee limit by tlambert · · Score: 1

      Your friend can just split it into 2 companies.

      This was considered as an option, but actually as 3 companies, where there were 2 companies that did the bulk of the work in different domains, and then a management services company that was contracted to manage both companies.

      This arrangement has a number of additional costs with it, including that the inter-company transactions get to eat additional taxes per transaction. He wasn't able to make any sort of split work on paper better than dropping below the mandate cutoff.

    4. Re:The 50 employee limit by tlambert · · Score: 1

      Why doesn't your asshole friend give his employees health coverage in the first place? If he had, he wouldn't have a problem now.

      Because he couldn't afford to be in business at all if he were to offer coverage. He's a cash flow business, as are all functional small businesses that aren't someone's spouses hobby funded by the other spouse. He's literally two payrolls from going out of business due to the current regulatory environment for small businesses being dictated by large businesses to lobbyists and thence to the congressmen that the big businesses own. Big business does not like competition.

      What makes you think that if he can't afford health insurance for his employees under the mandate, that he'd magically be able to afford it under the mandate? Compliance with the mandate is the difference between 5 people being out of full time work, and 48 people having full times jobs, or 53 people not having jobs at all.

      So basically you'd prefer he shut down, right? That'd make him a non-asshole in your book, putting 53 people out of work?

    5. Re:The 50 employee limit by tlambert · · Score: 1

      This seems like a misunderstanding similar to how people misunderstand how tax rates work. A properly designed system would be 6% up to $10,000 and then 5% on sales from $10,000-$20,000.

      I agree. Why wasn't the mandate based on employer contribution designed that way?

    6. Re:The 50 employee limit by Rockoon · · Score: 1

      This seems like a misunderstanding similar to how people misunderstand how tax rates work.

      From the Federal tax table for fiscal year 2012:

      If I make $56,049 then my tax is $10,036
      If I make $56,050 then my tax is $10,049

      Earning $1 more would cost me $12

      This is not unique.

      --
      "His name was James Damore."
    7. Re:The 50 employee limit by HeckRuler · · Score: 2

      What do you say to the families that depended on child labor to support the family?
      They said they can't stay in business without putting the children to work. And the business feeds the children.

      It's a bit of a strawman, but the parallels are there. It's bad for everyone in the long run to make put children to labor, it'd be a lot better for society to them to get some learning and not suffer the horrible abuse that historically came with child labor. Sure, your friend is employing 53 people. But in today's age, going without insurance means going without healthcare. Which means that everything that's serious is an ER visit rather than "hey you should have those pulled sometime in the next year". Which is really fucking expensive to everyone else.

      It's understood that there needs to be the bottom rung of the ladder for the have-nots. They need their niche to fill, and, well, shitty jobs for them to do. But we don't want companies that grow off employing the bottom rung. If your friend is at the point where he's employing 50+ people, his company is big enough to start treating them like real employees.

      Think about it like if he was a slum lord. Sure, they provide a service that the poor need. Historically, they were evil abusive pricks. At least, the ones that made money and expanded were.

      It's like being a slum lord. Sure, they're giving the poor some place to live, which they need. But historically they're evil abusive pricks that need laws regulating their behavior.

    8. Re:The 50 employee limit by erice · · Score: 1

      Why doesn't your asshole friend give his employees health coverage in the first place? If he had, he wouldn't have a problem now.

      Because he couldn't afford to be in business at all if he were to offer coverage. He's a cash flow business, as are all functional small businesses that aren't someone's spouses hobby funded by the other spouse. He's literally two payrolls from going out of business due to the current regulatory environment for small businesses being dictated by large businesses to lobbyists and thence to the congressmen that the big businesses own. Big business does not like competition.

      So, in other words your friend runs a barely viable business that can not survive another economic head wind no matter where it comes from. He is probably going out of business soon anyway but he wants to score political points by blaming it on Obamacare.

    9. Re:The 50 employee limit by tlambert · · Score: 1

      What do you say to the families that depended on child labor to support the family?
      They said they can't stay in business without putting the children to work. And the business feeds the children.

      It's a bit of a strawman, but the parallels are there. It's bad for everyone in the long run to make put children to labor, it'd be a lot better for society to them to get some learning and not suffer the horrible abuse that historically came with child labor.

      I'd say that if they were family owned businesses, and the children in question were from the family, that they are already exempt to a number of provisions of the child labor laws:

      http://smallbusiness.chron.com/child-labor-laws-family-businesses-60987.html

      Agricultural jobs (e.g. family farms) are exempt from all FSLA provisions completely, including the operation of equipment like tractors, and also if there are fewer than 500 man days of work performed on the farm per year, they are also exempt from minimum wage requirements.

      Sure, your friend is employing 53 people. But in today's age, going without insurance means going without healthcare. Which means that everything that's serious is an ER visit rather than "hey you should have those pulled sometime in the next year".

      That's not the same as "without healthcare". Also there is a significant resurgence in health co-ops in rural communities, as the doctors don't like managed care any more than the patients. This either means pay-as-you-go with no insurance involvement at all, or monthly payments to the co-op for the promise of some minimal amount of preventative treatment.

      Which is really fucking expensive to everyone else.

      On a per-item basis, rather than expensive all the time, with the payments largely going into the pockets of large insurance consortiums like AIG, whose executives are currently sitting on their yaughts lighting their cigars with $100 bills from the bailout money they've received.

      It's understood that there needs to be the bottom rung of the ladder for the have-nots. They need their niche to fill, and, well, shitty jobs for them to do. But we don't want companies that grow off employing the bottom rung. If your friend is at the point where he's employing 50+ people, his company is big enough to start treating them like real employees.

      He does; he pays a portion of the insurance costs for each employee. The mandate requires that he pay full freight, and requires that the plan cover certain aspects which means it's no longer employee cafeteria style, and the decision for "just major medical, large deduction", et.c, is out of their hands. Luckily this doesn't kick in for under 50 employees until 2015, and hopefully 2 years is enough to restructure the business into profitability. Or, since he's close to early retirement age, just calls it quits and shuts things down anyway. Where will those people get their insurance then?

      U.S. unemployment rates are currently only trending downwards because people fall off the end of the unemployment insurance, and are no longer counted as unemployed. That doesn't mean that they have jobs. I know people who have basically given up looking for work entirely after a year of unemployment, and they aren't counted either. If we did our statistics the same way, we'd be in the same ballpark as European nations (e.g. France: 11.0%, Spain: 28.8% - source http://ec.europa.eu/ 2013 numbers).

      I'm not saying "don't have universal healthcare"; hell, Nixon was the first president to try to get it enacted, and Teddy Kennedy said at the end of his life that his one big regret was not working with Nixon on getting it implemented. But I am saying that it needs to be a general benefit, not something tied to the employer so that insurance companies can continue to pro

    10. Re:The 50 employee limit by tlambert · · Score: 1

      Why doesn't your asshole friend give his employees health coverage in the first place? If he had, he wouldn't have a problem now.

      Because he couldn't afford to be in business at all if he were to offer coverage. He's a cash flow business, as are all functional small businesses that aren't someone's spouses hobby funded by the other spouse. He's literally two payrolls from going out of business due to the current regulatory environment for small businesses being dictated by large businesses to lobbyists and thence to the congressmen that the big businesses own. Big business does not like competition.

      So, in other words your friend runs a barely viable business that can not survive another economic head wind no matter where it comes from. He is probably going out of business soon anyway but he wants to score political points by blaming it on Obamacare.

      There is a slight difference between an "economic head wind" and setting up wind machines to funnel an increased amount of money to the health insurance industry middlemen instead of going to single payer. Health insurance should come from the income tax general fund, not a tax on being an employer, or you are going to end up with nothing but large companies and their peasant wage slaves.

  45. Election by AlleyTrotte · · Score: 1

    The delay will be just enough to get all the DemoCore reelected.

  46. Re:This'll take awhile for people to accept by sycodon · · Score: 1

    What Obamacare will not let you do is have a low cost, catastrophic plan. Which is what I have...$3000 deductible and a $36 or so a month fee.

    If I stay healthy, I win. If not, I'm no worse off than having the full service plan. If the shit really hits the fan, I'm covered.

    --
    When Fascism comes to America, it will call itself Anti-Fascism, and tell you to give up your guns.
  47. No one cares about cost. by Viewsonic · · Score: 2, Insightful

    People just want full insurance without having to fill out forms, switching providers, doctors or anything else. The only people crying about money are the Tea Party weirdos who cry about dropping a penny in their couches. The fact is, the Administration should have just simply took over the entire health care industry. When you have an industry that can only make money off healthy people, then you simply cannot expect to make money unless you let the sick and dying go. Which is the opposite of what is SUPPOSED to happen. Much like the military, it needs to be socialized. All of it. The industry was in shambles before this act, and it will more than likely be in shambles after. Everyone should be allowed to receive health care for free. It's 2013, we have the means, we have the wealth, and we have the regulatory power to make it all work.

    1. Re:No one cares about cost. by cayenne8 · · Score: 1

      Everyone should be allowed to receive health care for free.

      Why?

      Why should I be forced by the govt to pay for someone elses problems? If they can't be responsible enough to work and save for health care like any other life expense...why should I pay for their laziness/ineptness?

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    2. Re:No one cares about cost. by Uberbah · · Score: 1

      Why should I be forced by the govt to pay for someone elses problems?

      Why should I have to pay for your police, ambulance or fire services? Why should I have to pay for your water treatment, the sidewalk past your house, or the road you drive to work?

      Idiot.

    3. Re:No one cares about cost. by Richy_T · · Score: 1

      No dude, it's "for free". You know, doctors work for free, pharma companies provide drugs at no charge, ambulance drivers do it for the fun of driving. And everyone goes home with a pony.

  48. Re:This'll take awhile for people to accept by larkost · · Score: 1

    Even taking everything you said as factually and thematically true. Are you saying that is worse than having the decision made by someone whose boss's main concern is a finantial stake in the decision (insurance companies)? Are you really sure that is the argument you want to make?

    Given the choice between the same person employed by a company who would have to give up profits to see me healthy, and that same person as a govenment burocrat who's elected boss has to justify the policies to the electorate, I will take the govenment burocrat every time. It is simply a better moral situation with better accountability.

  49. Re:This'll take awhile for people to accept by ebno-10db · · Score: 1

    Which would be interesting if the "publicly accountable" part were even remotely true.

    However unaccountable government bureaucrats are, do you think that insurance company bureaucrats are better?

    Several CEO's of health insurance companies testified before congress that their companies practiced recission, and had no plans to stop. Recission is when you get something expensive like cancer, and the insurance company looks for any possible reason to cancel your coverage, Maybe you were treated for acne when you were 14 and didn't report it on your application. Bingo, no insurance!

  50. Re:Obamacare for people who do not want insurance? by ebno-10db · · Score: 1

    Except there is no constitutional protection from taxes.

    Then explain how the Amish are exempt from FICA based on their religious beliefs.

  51. it wont matter by Xicor · · Score: 1

    any larger company will realize that it would be cheaper to pay the 3000$ per person fine than it is to supply healthcare for every one of the employees. obama is pulling crap out of his ass if he really thinks that employers will stop being capitalists.

  52. Death Knell for Obmacare? by jasontromm · · Score: 1

    The whole thing is one big CF. Remember these great talking points before Obamacare became law?

            “The time is now, we can’t afford to wait any longer.”
            “Americans are dying out here.”
            “My mother died for lack of health insurance.”

    If we can’t wait any longer, why is the Obama administration delaying implementation of the employer mandate? Americans are still dying, right? How many more mothers will die because they don’t have health insurance?

    This is just a cynical, political ploy so the American sheople don’t realize the unintended consequences of Obamacare before the mid-term elections.

    --
    "Politicians always tell the truth, when they're calling each other liars."
  53. Re:This'll take awhile for people to accept by ScentCone · · Score: 1

    However unaccountable government bureaucrats are, do you think that insurance company bureaucrats are better?

    Yes, because they have competitors. And if a new health care law simply did the one of the very few things it actually needed to do (allow interstate competition by insurance companies, instead of preventing that sort of liberty), we'd see even more of that competition and pressure to perform usefully for paying customers.

    As for the motivation to shut down coverage for expensive customers: yes, it would sure help if coverage wasn't so expensive to provide. The answer for that is tort reform, something the democrats don't want because they don't want to piss off the trial lawyers, who pay for a lot of their campaign ads. But look to the industry those lawyers have created (huge money-making suits) for why the practice of simple medicine has descended into a storm of hideously expensive tests, unneeded drug use, soul-crushing record keeping processes, and all of the related paperwork nightmares.

    --
    Don't disappoint your bird dog. Go to the range.
  54. If you hoped your employer would... by jimmifett · · Score: 1

    If you hoped your employer would fire you, or reduce you to being a part time employee, or if already part time, limited to 29.5 hours weekly to avoid the added costs of obamacare, then you might may be disappointed for a while.

    On the other hand, you may be rejoicing this small reprieve from this disaster

  55. UK bloke here by badzilla · · Score: 2

    For the last 60 years or so the main medical system in this country has been government-operated and paid for via taxation. It has its faults but people generally agree it is a good idea and nobody from any political group wants to see it gone. Minor fees exist for some things but in general all medical care is free at the point of use. If it costs 200K to cure your rare cancer then you still get the treatment without charge.

    The average UK person does not know that much about America. I could stop someone in the street at random and would be a good chance they could not name your two main political parties for example, or know which one Obama belongs to. People do know that there was historically no public medical system and think it's very creepy that when Americans get sick and don't have money they just get left in the street to die. Nobody understands why there is so much opposition to having a proper health service now that Obama has passed this law.

    No real point to this post except a FYI how it looks from outside USA.

    --
    "Don't belong. Never join. Think for yourself. Peace." V.Stone, Microsoft Corporation
  56. Re:Poor white males get screwed as usual by ebno-10db · · Score: 1

    We have been well informed that the Democratic party has written off the white male.

    White males don't set sick or injured? As a white male myself I think that's great. Could you cite some studies?

  57. YES YES YES.... by 3seas · · Score: 1

    They have to spill out who can be the best liar first.

  58. Re:arbitrary dates? by linuxguy · · Score: 1

    Thank you for citing many examples of presidential overreach that is exclusive to Obama.

  59. Can you do that? by superdave80 · · Score: 1

    If something is written into law, can the executive branch just declare, "Nah, we won't implement the law on the date that it was suppose to. We'll implement it when we feel like it."?

    If this is delayed until the next presidential election, and a Republican wins the presidency, couldn't the GOP effectively block Obamacare by saying they won't implement it until the year 3016?

  60. Re:This'll take awhile for people to accept by CrimsonAvenger · · Score: 1

    TWO lung transplants. The first one didn't work out, so they replaced them again this past week.

    --

    "I do not agree with what you say, but I will defend to the death your right to say it"
  61. Re:Obamacare for people who do not want insurance? by ZFox · · Score: 1

    LMGTFY

    LMGTFY

  62. Re:I will NOT convict by Holi · · Score: 1

    So healthcare is now tyranny?? You sir are an idiot who does not understand what an oppressive government is. You call tyranny because your inconvenienced, because your taxes go up a smidge. Guess what. Your wrong and when you raise you weapon against the government they will kill you and no one will care.

    --
    Sorry, teleporters just kill you and then make a copy. A perfect, soul-less copy.
  63. Key wording by koan · · Score: 1

    "after the congressional elections" meaning bad news for someone.

    --
    "If any question why we died, Tell them because our fathers lied."
  64. It's a lot more likely than by publiclurker · · Score: 1

    repeating something that has been shown to not work, over and over again.

  65. By work in Idaho by publiclurker · · Score: 1

    I take it you mean that the cowardly idiots there can pretend to feel like men while everyone else suffers the consequences. After all, your need to compensate is much more important, isn't it.

  66. Really. by publiclurker · · Score: 1

    According to my friends that live there and actually use the system, it's a whole lot better than what we have here.

  67. Right by publiclurker · · Score: 1

    because in the real world everyone has the time and luxury to evaluate all of the competing hospitals when they are unconscious from an auto wreck. you see son, when you grow up, you'll realize that the world is a lot more complicated than you think it is from your mommies basement.

    1. Re:Right by Magius_AR · · Score: 1

      you'll realize that the world is a lot more complicated than you think it is from your mommies basement.

      As it is also more complicated that you "money grows on trees" advocates. Why don't you go look up what percentage of healthcare expenses are indeed "emergency"/"urgent"/rushed care and then get back to me. When you learn such expenses are a very small amount of our total healthcare expenditures and that you have your head up your ass, we can get back to discussing this on an educated level.

  68. that's funny by publiclurker · · Score: 1

    I suppose you believe in Santa Clause too.

    1. Re:that's funny by gfxguy · · Score: 1

      Nothing has been more beneficial to consumers than competition... you can pretend it's not true all you want; you can pretend that that's what we had before, if it makes you feel better. It's all moot now.

      --
      Stupid sexy Flanders.
    2. Re:that's funny by MightyMartian · · Score: 1

      There's the problem. A guy with a tumor the size of his fist in his abdomen or some poor bugger with severe head trauma and half a dozen broken bones doesn't consider himself a consumer, he considers himself a *patient*.

      --
      The world's burning. Moped Jesus spotted on I50. Details at 11.
    3. Re:that's funny by gfxguy · · Score: 1

      There's another problem - you can't solve everyone's problem without bankrupting the system. There's another problem: I didn't say we can't help people.

      --
      Stupid sexy Flanders.
  69. Re:Obamacare for people who do not want insurance? by Rockoon · · Score: 1

    Good for you, but what do you plan to do if, say, you contract an expensive form of cancer? The probability is pretty low that you're part of that group that can casually drop a half million or more on a treatment regime.

    The chances are also low that he will ever contract a detectable cancer.

    Insurance rates arent high because of cancer. Insurance rates are high because many people with insurance go to the doctor for the stupidest reasons.

    Did you think that there was another explanation for why catastrophic health insurance was an order of magnitude cheaper than the insurance you are talking about? Sorry, there isn't. Overall, cancer is cheaper for society than the common cold. Thanks Obama!

    --
    "His name was James Damore."
  70. Here is what I wanted by ducomputergeek · · Score: 1

    I have a small business consulting/contracting and now upto 3 emplyees. I've been paying my own insurance out of pocket the past 6 years and has run me about $75 to now $87 a month for a decent plan that meets my needs well. (Nothing special, $2500 deductable, $35 doctor vists, prescription drug coverage) But again in the past 6 years I've been to my Doctor 7 times. 6 for annual check ups, free under my coverage, and once for a sinus infecction. I was young in my late 20's and now early 30's and single. I also pay for dental coverage.

    The way my Dental works is pretty simple: they pay for twice a year cleanings, once a year x-rays, and then 80% of any non cosmetic proceedures. I don't have the best teeth in the world, and the solution is going to be a few crowns before things get worse. I was able to shop around and actually get prices from different dentists. I wish my health insurance could work much the same way. There would need to be emergancy coverage that is good anywhere: i.e. heart attack, etc.. But for a lot of other proceedures hospitals should have a 1 price policy, not this negioated rate mess where say a bypass is $18,000 for company A, $26000 for company B, and $50,000 if you come off the street. Hospitals should set the price: say $25,000 and then your insurance tell you if they cover 100%, 50%, 80% or whatever. And the prices should be upfront and on their websites in a PDF. An example for me personally is the fact that Carpel Tunnel surgery is in my future. Its not critical but I woud shop at the various hospitals around town to see where I felt I could get the best care for the $.

    --
    "The problem with socialism is eventually you run out of other people's money" - Thatcher.
  71. Re:This'll take awhile for people to accept by matfud · · Score: 1

    I have seen a lot of post talking about allowing interstate shopping for insurance. Have you looked at who owns most of the "Health Care Providers" in the US? There may appear to be lots of HCP's around but they are mostly owned by very few companies (who incidentally own many of the hospitals)

    So I don't think the ability to shop for insurance in another state is going to help a huge amount.

  72. Medical malpractice costs are small fish by rsborg · · Score: 1

    But you have to remember that a significant "influencer" on the democratic side of the legislation was the trial lawyers guild (hence no tort reform in the bill).

    Nice strawman there. Medical malpractice suits only really add about 1-2% to the total costs of healthcare in the economy [1]. Bigger factors that influence the cost of healthcare are: 1) For-profit insurers who have an incentive to take your premiums and stiff you when you're actually sick. 2) Big Pharma charging $1k/dose for their latest life saving drugs and fighting tooth and nail (and winning) against generics after their patents expire 3) Medical equipment manufacturers that charge defense-contract rates for their required equipment ($300 plastic tubing).

    [1] http://prescriptions.blogs.nytimes.com/2009/08/31/would-tort-reform-lower-health-care-costs/

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  73. Spitting distance definitions by fyngyrz · · Score: 1

    Tongue depressor? You mean like McDonald's food?

    --
    I've fallen off your lawn, and I can't get up.
  74. Misleading Title by Tablizer · · Score: 1

    The title makes it sound like it was intentionally delayed to correspond with elections. The truth is we don't know the actual motivation at this time, and such a headline plants a suggestion of motivation into the readers' head.

    A more neutral headline would just read "...delayed for a year" or "...delayed until [date]".

    This is an example of how news writers can be technically accurate yet still plant non-factual or unverified suggestions into readers' mind. Slanted news sources uses such tricks all the time. It's quite possible to manipulate readers without directly lying.

  75. Re:This'll take awhile for people to accept by roman_mir · · Score: 1

    Which is why you need more of free market, not less, so that the gov't is NOT regulating new starting up HCPs out of business to maintain the oligopoly and you should also be able to shop for ANYTHING around the world, including health insurance.

    You may want to buy one from an insurer in Singapore, so why shouldn't you be able to? I have a number of passports and health insurance from a country I am not actually a citizen of though I spend some time there over the year, I shop for such things, why can't Americans?

  76. Re:This'll take awhile for people to accept by matfud · · Score: 1

    Shopping around the world may help. The free market is what has got most insurance in the states (and to a certain degree internationally) into the state it is in where lots of insurance companies are owned by, and little more than brand names, for a few very large companies.

    In the past few years HCPs have been on a splurge of mergers and aquisitions.

  77. FreeRepubdot by QCompson · · Score: 1

    I had to keep checking the top banner to make sure I wasn't on freerepublic after reading the comments on here. So much utter nonsense about death panels and across-state-lines-magic. I don't think I've seen so many misinformed comments on slashdot before, and I've seen a few emacs and kde4 threads in my time.

  78. Re:This'll take awhile for people to accept by ganjadude · · Score: 1

    so what you are saying is someone else didnt get the lungs and now shes getting 2 sets? I mean if she gets a pass what do you think is gonna happen when X needs Y will X get a pass? or a screw off? Why should our government even be making any decisions when it comes to this kind of thing??

    now expand that to having a common cold.

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    have you seen my sig? there are many others like it but none that are the same
  79. Re:This'll take awhile for people to accept by CrimsonAvenger · · Score: 1

    so what you are saying is someone else didnt get the lungs and now shes getting 2 sets?

    She got two set. That's a done deal.

    Whether anyone went without because she got two sets is debatable. Depends a lot on matches - maybe there was someone who was an even better match than her, that lost out when she was moved to the top of the list she wasn't even suppposed to be on.

    Or not. It's possible neither of those sets of lungs would have been useful to anyone else waiting.

    --

    "I do not agree with what you say, but I will defend to the death your right to say it"
  80. Amazing timing by KapUSMC · · Score: 1

    I'm sure this has absolutely nothing to do with forecasts of employers have large layoffs. Wouldn't want that before a midterm now would we? Kind of like releasing the notification as people are leaving work holiday.

  81. Lobby by DarthVain · · Score: 1

    It is probably hard to go cold turkey politically due to the massive integration of insurance companies and big pharma.

    To use in old medical terms, at some point you are supposed to remove the leeches...