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Officials Say HealthCare.gov Site Now Performing Well

The much-discussed health care finance sign-up website HealthCare.gov has benefited from the flurry of improvements that have been thrown at it in the last several weeks. Centers for Medicare and Medicaid spokesman Aaron Albright told Fox News Saturday that "[w]ith the scheduled upgrades last night and tonight, we're on track to meet our stated goal for the site to work for the vast majority of users." CMM spokeswoman Julie Bataille. "said the installation of new servers Friday night helped improved the response times and error rates, even with heavier-than-usual weekend traffic." If you've used the site this weekend, what has your experience been like?

644 comments

  1. Well by Anonymous Coward · · Score: 0, Funny

    It's just too hard for me.

    --AOL user

    1. Re:Well by Anonymous Coward · · Score: 2, Funny
      I know, right! "The website uses a font I don't like, let's repeal the ACA everybody! Everybody?"

      *crickets*

    2. Re:Well by smittyoneeach · · Score: 1, Troll

      The motive for repeal is that the ACA is a river of lies, with headwaters in hell.
      And after these no-talent rodeo clowns are done destroying American health insurance, they're going to be all "Hey: Single Prayer! Whaddaya say?"

      --
      Get thee glass eyes, and, like a scurvy politician, seem to see things thou dost not.--King Lear
    3. Re:Well by CFD339 · · Score: 0, Troll

      Like every other robot, endlessly repeating the disingenuous arguments and nonsense spewed forth by political entertainment clowns who don't care one bit who they hurt so long as they keep up their ratings, you have lots of declarations about lies and hell, but almost no facts. How boring.

      --
      The problem with quotes on the internet, is that nobody bothers to check their veracity. -- Abraham Lincoln
    4. Re:Well by craigminah · · Score: 0, Troll

      To repeat the lies the Democrats have spewed would take far too long. I want it to work, but it's based in party politics, supported by lies, and the website was written by an incompetent company run by Michelle Obama's classmate's company who got more contract work after they FUBARed HealthCare.gov. No accountability, no truth, and the worst part is health care premiums have gone up with worse care (quality of care is assumed worse due to the numerous high quality hospitals not supporting ObamaCare).

    5. Re: Well by Anonymous Coward · · Score: 0, Insightful

      Fortunately repeating your lies is easy. Look there they are.

    6. Re: Well by Redmancometh · · Score: 0

      Well I won't be using the site...after the craptastic launch. I know a bit too much about databases on the initial rollout to call that insert statement..

    7. Re:Well by Karmashock · · Score: 1, Troll

      Actually they've admitted that that is their objective from the start.

      The ACA's point is to pave the way for single payer by destroying the American insurance industry. This is not indispute or controversal. It is merely not what they say in the mainstream press. They have been caught in candid moment repeatedly during fundraisers telling their supporters that this is exactly the point.

      What is more, it doesn't take a great intelligence to see the obvious... merely an obtuse one to be blind to it. The whole thing was concocted with that end in mind and its beyond obvious.

      What is more... most of the supporters of the ACA are upset with it because it isn't single payer already. So to look at the ACA and say it isn't a harbringer of single payer healthcare is at best naive... and more likely dishonest.

      That said, we're already finding the loopholes in your stupid law. The list of them is growing by the day. And your own politicians are working over time to create new ones as your political allies demand them... after all... the rules are for other people to follow not your people... right? Well... we'll use your own loopholes... We'll use any and all of them.

      Ultimately, the ACA will amount to little more then an expensive education in the incompetence of big government and the empty words of your little cliche. The medicare expansion was looking like it might be a problem but now the medical industry is revolting because you're trying to dictate what doctors get paid. And doctors are responding by dropping medicare contracts. Which means your programs have a big and growing doctor shortage.

      Free medical care with no doctors serving it... genius.

      Your higher priced insurance policies will of course cover their services. But then what have you really accomplished here? You've made healthcare LESS accessible to people and more expensive.

      TLDR?

      Your incompetence is ruining lives as usual.

      No really.

      --
      I've decided to stop wasting my time responding to AC trolls/sockpuppets... so if you want a response from me... login.
    8. Re:Well by PopeRatzo · · Score: 0

      a river of lies, with headwaters in hell

      I love it when Smitty gets all poetic Baptist preacher on us.

      When you can get him to refer to Democrats as "demonic" or "diabolical" then you know he's in full Mark of the Beast Mode.

      Amazing how to him a shitty law requiring people to carry health insurance becomes symbolic of something out of a bad Prophecy movie. It's what you call a "hyperbole-and-a-half".

      --
      You are welcome on my lawn.
    9. Re: Well by Anonymous Coward · · Score: 1

      Somehow, you guys love to make fun of our government's incompetence, yet it never occurs to you that's exactly why we don't want our government running our healthcare system.

    10. Re:Well by Anonymous Coward · · Score: 1

      And doctors are responding by dropping medicare contracts. Which means your programs have a big and growing doctor shortage.

      Don't worry, the next steps are to make it illegal to pay a doctor for services except from the govt. then when doctors start retiring and new ones become in short supply, the govt will use its control of student loans to force students into certain educational tracks, ensuring more doctor-slaves. And not too soon after that, workers' paradise!

    11. Re:Well by Anonymous Coward · · Score: 0

      In reality, the AMA is already restricting our supply of doctors and controlling medical school, while doing their best to impede the development of technologies and systems that would reduce the need for doctors.

      90% of people don't need a doctor for their medical needs in a given year. And that's among those who have medical needs.

    12. Re: Well by Anonymous Coward · · Score: 0

      That's ok, you can buy it by phone, or even contact each insurance company directly.

      The website isn't essential, except for the media to have a pointless target to talk about.

    13. Re: Well by iamhassi · · Score: 1

      That's a scary thought

      --
      my karma will be here long after I'm gone
    14. Re: Well by kenh · · Score: 1

      The website is essential if one wants to avail themselves of the offered subsidies, and applying over the phone or via snail mail (paper application) simply transfers the task of actually typing your information into the website to the clerk who either answers the phone or processes your paper application.

      When the website fails, all means of applying for subsidized healthcare are halted.

      --
      Ken
    15. Re: Well by Anonymous Coward · · Score: 0

      If you like your doctor, you can keep...

    16. Re: Well by craigminah · · Score: 1

      Simply stating I'm lying doesn't mean I'm lying. ObamaCare said we could keep our health care plans and doctors if we wanted and we can't. They repeated this line dozens of times and it's a lie. The president said in 2009 that, by the end of his first term, American families would be saving $2,500 in premiums a year and that hasn't happened. Already 4.2 million Americans have lost health care and it's estimated up to 16 million people will lose health care. I could go on but I think you get the point. I really would like people to be less emotional and simply look at the data. Even the CBO's estimates for how much ObamaCare will cost have changed significantly since they originally came out...

      How long until people hack the ObamaCare database and steal everyone's identities? How long until fraud is rampant (e.g. massive government programs always have a lot of fraud in them, this will be the largest government program so expect billions of dollars of fraudulent claims).

      I really hope ObamaCare works but it wasn't very well thought through...couldn't even get a web site to work. They expected to sign up 30 - 40 million people and the web site could support only ~1,000 people at a time. WTF?

    17. Re:Well by Karmashock · · Score: 1

      Actually their next step is to claim they have a shortage of doctors and then use that as a justification to open immigration for doctors assuming they take medicare contracts. The English are already doing that. Their healthcare system is full of Indian doctors imported in large part because their system ran into the same problem.

      Think the politicians in the US wouldn't do the same thing?

      They're idiots. They don't see that the consequence will be a collapse in US medical education.

      --
      I've decided to stop wasting my time responding to AC trolls/sockpuppets... so if you want a response from me... login.
    18. Re:Well by smittyoneeach · · Score: 1

      And yet: can you come up with a more accurate, succinct formulation?

      --
      Get thee glass eyes, and, like a scurvy politician, seem to see things thou dost not.--King Lear
    19. Re:Well by lsatenstein · · Score: 1

      To repeat the lies the Democrats have spewed would take far too long. I want it to work, but it's based in party politics, supported by lies, and the website was written by an incompetent company run by Michelle Obama's classmate's company who got more contract work after they FUBARed HealthCare.gov. No accountability, no truth, and the worst part is health care premiums have gone up with worse care (quality of care is assumed worse due to the numerous high quality hospitals not supporting ObamaCare).

      I guess your bitter because your redneck Republicans IT friends did not submit their bids to work on the website. What is wonderful that is happening, is the USA is stopping to be backwards and is joining the world to provide reasonable healthcare at an affordable cost.
      Welcome to civilisation Repubilcan USA. It should have been a Republican deliverable, but... excess profit loves misery, money to the few and the rich.

      --
      Leslie Satenstein Montreal Quebec Canada
    20. Re: Well by locke.th · · Score: 1

      While I don't agree with your statement, the scenario you outline is possible; that's what is happening more or less with the Canadian construction trades.. big companies claiming there's a shortage of skilled tradesmen when there is no actual shortage...what they ACTH mean is there's a shortage of -slave labour-, and are thus using it to bring in foreign workers. Same scenario, different application.

    21. Re:Well by craigminah · · Score: 1

      Call me names and stereotype me...but I can see the facts from the emotional outcries. Look at other socialized medicine and you'll see the long lines, excessive costs, rampant fraud, etc. This is a power grab and it won't end well. How can liberals like you, who claim to stand against racism, call me a redneck? The hypocrisy of your leftist ideal is frightening. Here's my final response to your simple-minded counter argument, in terms you can understand: http://www.youtube.com/watch?v=AuUqpZgHiEE

    22. Re:Well by Anonymous Coward · · Score: 0

      There may be long lines. There is a triage on arriving at the hospital. If it is for bandaids or aspirins, you will wait a long time. If it is for something cronic, you will get treated. Does it have to be instantly?

      Instant treatment for cancer, heart, kidney, liver, fever, or contagious illness. I arrived at the hospital with a red spot on my foot. It was immediately diagnosed as
      Necrotizing Fasciitis (Flesh-Eating Disease). I was in a gurney and with antibiotics within one half hour. I was 4 days in the hospital bed. I had tremendous care.
      True, if I had cateracts, I would have to wait a few weeks, for an operation but is it life threatening? I have a hearing problem. My hearing is being tracked. I will be able to purchase hearing aids when I need them. Currently the government pays for basic units, so I can add the difference to the 1500 I get towards the aids and get the latest digitally tuned in-ear devices. No $5k expense to me. I do have to pay for the batteries, but the new units have rechargable cells.

      Now you match this... My daughter was suddenly diagnosed as having MS. There were multiple MRI scans, steroids as a first level to combat the onset. Now, she is on daily injections, which she will require for at least another 40 to 50 years. Today's price for the medication, the nurse to come to the house to show her how to self inject with the "gun" was included with "our government medical system", The medication, if she did not have insurance, is $30k per year. Her cost, covered by her group insurance is zero. If she did not have extra group insurance, it would be $1000/year for all her meds.

      The same for me. My government insurance covers 80% of the cost of drugs. If my share goes to $1000, the balance of the years medications is free.

      So yes, to answer your comments, I may have to wait, but I will not have to sell my house to cover my daughter's medication. And she has not found service to be lacking. Do look at your insurance plan. Is there a ceiling for the total of you lifetime claims. Can you be refused a renewal? What do you do if you lost your job?

      Which population lives better? The USA with 4.5 million uninsured or the rest of the world where healthcare is a right.

      Leslie in Montreal Quebec

  2. Hmm.... by Anonymous Coward · · Score: 0

    I'll let you know when the page loads.

    1. Re:Hmm.... by Anonymous Coward · · Score: 0

      I just tried it and it took a second or two to load, but I'm on a slow connection.

  3. Privacy Issues by Anonymous Coward · · Score: 5, Funny

    To test it, they want you to put in all kinds of personal information. No thanks.

    1. Re:Privacy Issues by lgw · · Score: 5, Informative

      To test it, they want you to put in all kinds of personal information. No thanks.

      In the first release, a significant percentage of people who put in their info, checked out some plans, and then cancelled out of it all were accidentally signed up for Medicaid. Hope that bug got fixed.

      But even the government doesn't claim the site is secure yet. Glad I'm not legally required to use it before they get around to they security audit they skipped (also legally required, but laws are for peons).

      --
      Socialism: a lie told by totalitarians and believed by fools.
    2. Re:Privacy Issues by shentino · · Score: 1

      I love how you say accidental.

    3. Re:Privacy Issues by Stormy+Dragon · · Score: 2

      Oh don't worry, it connects directly to the IRS and the SSA, so there's plenty of your PII already in there in the event of a breach.

    4. Re:Privacy Issues by Anonymous Coward · · Score: 1, Funny

      I was easier getting my dog a credit card than it is to get health insurance. The problem now is waiting for the dog's replacement SS card, he ate the last one.

    5. Re:Privacy Issues by Anonymous Coward · · Score: 0

      It's a F***ing government website! What do they NOT know about you already??? *facepalm*

    6. Re:Privacy Issues by Jah-Wren+Ryel · · Score: 4, Informative

      To test it, they want you to put in all kinds of personal information. No thanks.

      You joke, but it is true. At the last minute, the government added a http://www.politico.com/story/2013/10/obamacare-healthcaregov-registration-98671.html">requirement to force people to register before they could see prices.

      Foruntately, these guys came along and partially liberated that information. It still isn't detailed - when I looked up what was available to me, there were about 20 different plans all priced within $10 of each other, but no further details.

      --
      When information is power, privacy is freedom.
    7. Re:Privacy Issues by Jah-Wren+Ryel · · Score: 2

      Uh, I dunno why that first link is effedup. Here it is again:

      http://www.politico.com/story/2013/10/obamacare-healthcaregov-registration-98671.html

      --
      When information is power, privacy is freedom.
    8. Re:Privacy Issues by Anonymous Coward · · Score: 0

      To test it, they want you to put in all kinds of personal information. No thanks.

      FakeNameGenerator.com

    9. Re:Privacy Issues by Bartles · · Score: 1

      ehealthinsurance.com has been doing it for years. I don't see why we even need healthcare.gov.

    10. Re:Privacy Issues by Imrik · · Score: 4, Insightful

      It's not what they know about you, it's what whoever decides to hack their site with untested security knows about you.

    11. Re: Privacy Issues by Anonymous Coward · · Score: 1, Interesting

      They are actually using data from this http://finder.healthcare.gov/services which was rolled out with the first version of healthcare.gov

    12. Re:Privacy Issues by achileas · · Score: 1

      That site doesn't quite do that, as individual costs are based on an array of factors other than just your zip code. More FUD.

    13. Re:Privacy Issues by coaxial · · Score: 1

      Of course the site is HIPA compliant because it doesn't actually store any information... so yeah.

    14. Re:Privacy Issues by Anonymous Coward · · Score: 0

      That site doesn't quite do that, as individual costs are based on an array of factors other than just your zip code. More FUD.

      FUD You! The only one sowing uncertainty and doubt here is you bud.

      How about you enumerate what these "array of factors" are? Age, zip, smoker - that's about it. Unless you are referring to the subsidies which is clearly spelled out in the first article, and even that could be displayed as a range from zero subsidy to max possible subsidy with a note that TBD once you fully sign up.

    15. Re:Privacy Issues by Redmancometh · · Score: 1

      At least not on purpose...I'm still not sure whether that should be in quotes.

    16. Re:Privacy Issues by Anonymous Coward · · Score: 0

      So I just checked based on my zipcode on the site you provided.

      For a plan that is about 1/2 as good as my previous (not canceled) plan, I would have to pay 2X as much. so double the cost for half the care?? I thought this shit was supposed to be affordable?

      Posting anon to save mods ~Ganjadude

    17. Re: Privacy Issues by DavidGtown · · Score: 2

      You were thinking you'd be able to apply for health insurance and a govt. subsidy to help pay for it without putting in private info?

    18. Re: Privacy Issues by iamhassi · · Score: 2

      It's not legally required, you just get taxed more if you do not sign up

      --
      my karma will be here long after I'm gone
    19. Re: Privacy Issues by iamhassi · · Score: 0

      And you think it's HIPAA compliant because the website says its HIPAA complaint? Someone once said if you like your insurance you can keep your insurance and millions of people were sent cancellation letters so forgive me if I have my doubts about anything this administration says

      --
      my karma will be here long after I'm gone
    20. Re:Privacy Issues by jdogalt · · Score: 1

      It's not what they know about you, it's what whoever decides to hack their site with untested security knows about you.

      And welcome to the hell of the neo-Kompromat the NSA (no doubt with wider geopolitical collaboration) has created for every human on earth. I.e, they love to break security and pick locks to have all the info on everyone they can, in case targeted defamation or provocation becomes tactically useful. But the worse hell is that they themselves, though they may think, and perhaps even temporarily are "informationally dominant" - they are not invulnerable. So in the end, they damage the fabric of human security even more than they intended. Yes, this is just redundantly making a less succint point. But it's a damned important point.

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

    21. Re:Privacy Issues by Luckyo · · Score: 1

      Hard plastic can do some nasty stuff in the stomach. Better sign that dog for health insurance and fast!

    22. Re:Privacy Issues by Anonymous Coward · · Score: 0

      Glad I'm not legally required to use it

      You are not legally required to use it. You may simply contact one of the insurance vendors directly.

      The list of ACA-conforming insurance vendors is public information, and you are not required to use www.healthcare.gov to obtain that list, to view the available insurance products, or to enroll.

      For example, the web site www.thehealthsherpa.com has the intention to become a comprehensive, independent source of information about ACA-conforming medical insurance.

    23. Re:Privacy Issues by Bengie · · Score: 1

      It prompted me for my legal name, my birthdate, and my SSN. SSN is option to create an account, but from the sounds of it, required to actually get any pricing.

  4. Setting the bar low by Anonymous Coward · · Score: 0

    Working for the "vast majority" is not good enough. It needs to work for "everybody who doesn't fuck it up themselves."

    1. Re:Setting the bar low by MouseTheLuckyDog · · Score: 1

      Hey. We are talking the government here.
      Everyone who fucks it up did it themselves, so obviously the site works perfectly.

  5. Officials say? by Kohath · · Score: 1, Insightful

    If officials say it, that makes it official. No need to check.

    Go forth and force men and 50-year old women to buy insurance for childbirth! Forward.

    1. Re:Officials say? by Anonymous Coward · · Score: 0

      (Guy who didn't RTFS, which asks Slashdotters to comment on whether the officials are correct)

    2. Re:Officials say? by circletimessquare · · Score: 5, Insightful

      there's no such thing as something cheaper than mandatory insurance

      anyone who doesn't get insurance is someone who thinks they don't need insurance. while those who get insurance really need it. so costs are spread amongst fewer people and they go up, if you respect the "freedom" of some freeloaders to be stupid and irresponsible

      then those assholes without insurance break their arm and get sick anyway, and then they avoid the bill because they can't afford it, and the taxpayer has to bail out the hospital

      so you pay for it anyway, in the most wasteful, stupid way possible, and you pay for irresponsible freeloaders

      that's why healthcare is such a joke in the usa and is so incredibly expensive

      now forcing 50 year old to buy childbirth insurance does sound crazy so you fix that specific problem, you don't jettison the entire superior idea

      any questions?

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    3. Re:Officials say? by Anonymous Coward · · Score: 5, Insightful

      And those younger women are paying for old people's heart attacks. The old people are paying to prevent flu epidemics from getting younger males sick. And men tend to have a part in making babies and it is much cheaper to pay for IUDs and pills than kids. Especially unplanned ones.

    4. Re:Officials say? by Bartles · · Score: 2

      Yes, I have a question. Why is insurance on the exchange so much more expensive for so many people, than what they were paying before the law went into effect? If they were paying for freeloaders both before and after, why the huge difference?

    5. Re:Officials say? by fustakrakich · · Score: 0

      any questions?

      Yeah, two! What are you? A moron?

      Why should I be forced to engorge some dick full of money when I know they will spend most of their time and efforts denying their payment obligations when I do get sick?

      Okay, three...

      --
      “He’s not deformed, he’s just drunk!”
    6. Re:Officials say? by TooMuchToDo · · Score: 4, Informative

      Because previously, those "cheap" plans covered almost nothing and were pure profit for insurance companies:

      http://www.csmonitor.com/USA/DC-Decoder/Decoder-Wire/2013/1029/Millions-losing-health-plans-under-Obamacare.-Did-president-mislead-video

      People are now paying for coverage they should have been previously receiving.

    7. Re:Officials say? by Bartles · · Score: 2, Insightful

      That's not true. At least not in my case. I was paying $165 for a better than platinum level plan. My new option for slightly worse coverage now costs $451. But I suppose you're right. I now have maternity coverage, and can get free birth control pills.

    8. Re:Officials say? by shentino · · Score: 1

      Making people pay for their own medical bills would be fair only if nobody got hurt unless it was completely their fault.

      What if someone else hits you on the road, or makes you sick, or passes germs to you?

      I think it's fairer for the pain to be spread in that case, to make it more bearable.

      Hell, sickness is a common enemy because of the contagion factor and it's in the public interest to pay for it at public expense.

    9. Re:Officials say? by circletimessquare · · Score: 1

      Why should I be forced to engorge some dick full of money when I know they will spend most of their time and efforts denying their payment obligations when I do get sick?

      you really didn't read my comment did you?

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    10. Re:Officials say? by artor3 · · Score: 3, Insightful

      Young, rich, healthy people pay more so that the old, the poor, and the sick can get affordable coverage. Maybe you don't like that right now, but you'll change your mind if you ever get seriously ill, or lose your job, or see your retirement savings vanish into Wall Street's coffers. And if none of those things happen, then count yourself blessed and move on.

    11. Re:Officials say? by nbauman · · Score: 2, Interesting

      The main reason the premiums of those health insurance policies cost less is that they were bad policies. They didn't cover you for some of the problems you would be most likely to have, and when they did cover you, you wind up with enormous deductibles, co-payments and exclusions.

      In the insurance industry, they used to call them "herd of buffaloes" policy. They only cover you if you get run over by a herd of buffaloes, and then only if it's on Main Street, and only if it's at noon.

      But actually, most people will pay lower premiums for equal or better insurance, and most of the Obamacare horror stories aren't true. http://www.salon.com/2013/10/18/inside_the_fox_news_lie_machine_i_fact_checked_sean_hannity_on_obamacare/

    12. Re:Officials say? by ewieling · · Score: 5, Insightful

      I think much of the opposition to health insurance reform is because the costs to treat the uninsured are hidden. People who receive health care and do not have money or insurance cost hospitals (and patients and shareholders) a lot of money. When they pass these costs on, I think the hospitals should be required to break out these costs as separate line items on the bills they send to their patients and the insurance companies. I feel people would be much less opposed to health insurance reform when they see exactly how much they are paying to treat the uninsured. I do not think a civilized person can think "let them die in the streets" to be an option.

      --
      I really shouldn't have used someone else's email address for this account.
    13. Re: Officials say? by Anonymous Coward · · Score: 0

      So what. By paying more of your fair share now, this country is better off. You are supporting the Republican's attempt to take healthcare from minorities by complaining. I'm assuming that that isn't your real agenda by complaining.

    14. Re:Officials say? by Kohath · · Score: 1, Insightful

      How can that be?

      The president said "If you like your health care plan, you can keep your health care plan." He said it over and over, in a dozen different ways. Are you suggesting this thing the President said wasn't true?

    15. Re:Officials say? by Anonymous Coward · · Score: 0

      You also have accupuncture coverage. Don't forget that!

    16. Re: Officials say? by Entrope · · Score: 0

      To make it all fair, government should also provide a detailed breakdown of where your particular tax dollars -- not just income and payroll tax, but duties, excise taxes, sales taxes, and all the rest -- went each year. Sound good?

    17. Re:Officials say? by Anonymous Coward · · Score: 1

      What do you mean by "should have"? Why is it anyone's business what type of insurance I choose for myself? Millions of people were quite content with the insurance they picked for themselves and didn't need some fatherly figure to come in and make decisions for them on their coverage choices. It's not as if they couldn't get better plans; they simply CHOSE those plans because it fit their particular needs.

      Here, let me fix that last sentence for you:

      People are now paying significantly higher premiums for coverage they don't want but are required by law to receive in the face of financial penalties.

    18. Re:Officials say? by Kohath · · Score: 3, Informative

      Young people are the poorest age group. Middle aged and older people are the wealthiest age groups. Why should relatively poor young folks continue to pay more and more and more to subsidize their relatively rich elders?

    19. Re:Officials say? by fche · · Score: 1

      "And if none of those things happen, then count yourself blessed and move on."

      You mean count yourself screwed, as you've paid well-beyond personal-actuarial-risk level money. As designed.

    20. Re:Officials say? by Bartles · · Score: 1

      I'm 35 and by no means rich.

    21. Re:Officials say? by Kohath · · Score: 1

      And coverage for substance abuse treatment -- mandatory for non-drinkers and non-drug users.

      Your reward for sobriety? You get to pay for some else's addiction. Congrats.

    22. Re:Officials say? by Bartles · · Score: 1

      If I get seriously ill I would have been better off with my $165 insurance. I am self-employed, so I won't lose my job. I have no retirement savings because everything goes into the business. None of those things will happen, and all I see is myself paying $3600 a year more for coverage that is inferior what I had.

    23. Re:Officials say? by Kohath · · Score: 1

      Your personal story contradicts the tales spun by the laws' proponents. Are you sure you exist?

    24. Re:Officials say? by sumdumass · · Score: 1

      Well, we know there are people who were receiving coverage for cancer and heart conditions who had their policies yanked from them because the government said they were junk. These same people also complained that they cannot find affordable replacements and they won't have access to their doctors.

      So while it might be easy on your conscious to say the government swooped in and saved those ignorant bastards, the reality is a little different. Some of those plans, most of them were exactly opposite of what you claim.

    25. Re: Officials say? by Anonymous Coward · · Score: 0

      Funny you say that as my 36 year old sister-in-law just found out she's knocked up (had a surgery scheduled but it was canceled after bloodworm showed she is preggo). Her boyfriend? Oh he's only around 55...

    26. Re:Officials say? by Anonymous Coward · · Score: 0

      Well that's a dumb example; you pay for that regardless. The question is whether it is more cost effective to pay for it in this manner, or to have your income taxes go towards paying for more prisoners. And prison guards ain't cheap.

    27. Re:Officials say? by 140Mandak262Jamuna · · Score: 1

      now forcing 50 year old to buy childbirth insurance does sound crazy so you fix that specific problem, you don't jettison the entire superior idea

      any questions?

      Actually mixing the risk pool of baby bearing younger women with 50 year old males is a good deal for the older males. The older males have much higher rates of heart attacks and hypertension compared to the young mothers. Childbirths are cheap compared to the statin drugs, angioplasty and bypass surgeries. Split the risk pools, you will find the males insurance rate go up. Have you seen the life insurance rates for men and women? Men pay higher premium because their risk pool is sequestered from women, who tend to be healthier for the same age.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    28. Re:Officials say? by technical_maven · · Score: 0

      Decades ago congress passed a law that require that Emergency rooms had to treat people whether or not they could pay... This is the gist of the problem and why so many trauma centers are going out of business... The illegal population now uses these as their own, free medical care, and the Hospital has to accept them and absorb a good portion of the cost...

    29. Re:Officials say? by Anonymous Coward · · Score: 1

      Because old wealthy people vote party line and donate to polical campaigns.

    30. Re:Officials say? by Anonymous Coward · · Score: 0

      As horrifyingly-bad politically-slanted summaries go, you did a great job. Because that's not what the article states.

      Also, you've managed to win a prize for excessive generalization, and assumption. People are now paying for, if they can afford the new plan, and what they "should have been receiving" is hardly calculable.

      Sure, some were paying for bad plans. But there are plenty of cases where people are now having to pay more, get less, and having to pay for coverage they'll never need.

      But congrats, and be sure to collect your prizes at the door!

    31. Re:Officials say? by Kohath · · Score: 1

      Cheapest answer: legalize. Tax the substances to help the poorest abusers pay for substance-abuse treatment. No prison guards needed, and no sober folks need to be ripped off.

    32. Re:Officials say? by Anonymous Coward · · Score: 0

      You're right! Thank you for standing up for moving forward with universal health care!

    33. Re:Officials say? by 140Mandak262Jamuna · · Score: 2, Interesting
      You probably think you had better insurance. Many such people find out that their plan is not as good as they thought.

      What you say is anecdotal evidence. Insurance is based on statistics and actuarials. There is 50% chance you would have ended up bankrupt if you actually had to file medical claims. Have you filed substantial claims exceeding the premium any year? Was it paid without hassle?

      More than half of the people who ended up bankrupt because of medical costs, had health insurance and thought they would be covered. But when they file the claims the fine print demon strikes back and they are left holding huge bills.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    34. Re:Officials say? by nctritech · · Score: 1

      Because "health insurance" today is not just "insurance." Insurance is something you have in the unlikely event that something bad happens which you would normally not be able to afford. "Insurance" that pays for routine visits and checkups and medications and pretty much everything else (at a reduced rate for the company than you would pay in cash) is entirely on the other end of the spectrum from what insurance is supposed to be. If auto insurance was like health "insurance," your insurance company would help pay for routine maintenance, mechanic visits, and transmission replacements. Why don't they? Because it's real insurance, not a subscription discount payment plan.

      The ACA forces insurance companies to pay for everything. Insurance companies are not non-profit corporations. They must make sufficient money for their shareholders on a quarterly basis. What the sticker shock on bullshit ACA plans does is finally demonstrate to the common man that in the end they pay for everything anyway. It's just moving from indirect through hidden taxes and wealth redistribution to direct through your glorious new ACA healthcare plan that you voted for.

    35. Re:Officials say? by Anonymous Coward · · Score: 0

      Because the law mandates more minimum coverages for health insurance than they had before. Like getting rid of pre-existing conditions, covering mental health issues at par with "normal" health issues, etc.

      No different than feeling "butthurt" because your car loan holder insists you get comprehensive insurance on your car with a maximum $500 deductible, when you'd rather save the $10/mo for the $1000 deductible on it. It's the same kind of restriction that restricts your "freedom"/"choice" mandated by someone else's financial considerations.

      Why not mandate that insurance companies set up groups/pools that lump in individual/small group insurance policies like they do for large employers/state/municipal employees at a state level?

    36. Re: Officials say? by Anonymous Coward · · Score: 0

      let them eat cake!

    37. Re:Officials say? by BonThomme · · Score: 2, Insightful

      And the same attitude led to an AIDS pandemic.

      "If you can't afford to buy health care, don't breed"

      I think you mean "don't be born".

    38. Re: Officials say? by nctritech · · Score: 1

      Fair share? Fuck that. If you think it's patriotic to pay taxes, write the check out of your own account and stay out of mine. /going_along_with_satire

    39. Re:Officials say? by 140Mandak262Jamuna · · Score: 3, Informative
      All the plans that existed when he said that were grandfathered. So if you liked the policy at that time, you could keep it if you still had them. But in the mean time many people changed their policies. That means they did not like the policy they had in 2010. If the original company still offers the original grandfathered 2010 policies, they can go back to it and claim grandfathered protection.

      The insurance companies knew the grandfathering, so they very carefully moved people out of their grandfathered plans in 2011, 12 and 13. There is a class action lawsuit in California now, about policy holders claiming that they were not told they are losing the grandfathered protection status by changing policies in 2011, 12 and 13 by these insurance companies.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    40. Re: Officials say? by Anonymous Coward · · Score: 0

      Any questions? Sure, I have a few...

      Why is it the role of government to provide health care? Just because Europe does it is not a good answer - Europe does a lot of dumb things that we don't emulate.

      If you agree it's governments role to provide for health care, do you also agree government should be able to regulate any behaviors that can increase risk of costly health care? If yes, you're a fool that doesn't understand what freedom is. If no, where do you draw the line? And why do you believe this president and congress will respect that line?

      Consider your DMV, the Social Security admin, the IRS, the dept of education, and the TSA. All are government run entities. Do you want an organization like any of those to be in charge of your health care? If yes, please explain why.

      How can a law honestly seek to regulate healthcare without addressing tort reform? That is the key to lowering health care costs, not another new deal.

    41. Re: Officials say? by BonThomme · · Score: 4, Funny

      that's one smart bloodworm.

    42. Re: Officials say? by DigiShaman · · Score: 0

      Let me guess; the illegal aliens still get a free pass without having to pay for insurance. Right? Fucking breeders!

      --
      Life is not for the lazy.
    43. Re:Officials say? by nctritech · · Score: 4, Insightful

      Citing a Salon article that exposes Fox News? Pot, meet kettle...

    44. Re: Officials say? by ewieling · · Score: 1

      It does sound good, though not very practical. Hospitals already provide an itemized bill. I doubt adding a "6% surcharge of total bill for costs related to treating uninsured patients" item is a hardship for the billing department. Any hospital which doesn't know how much it spends on treating the uninsured is, in my view, incompetent and not a place I want to be. Do you have any better ideas for showing people how much money it costs them for treating the uninsured?

      --
      I really shouldn't have used someone else's email address for this account.
    45. Re:Officials say? by 140Mandak262Jamuna · · Score: 1
      Hand waving is easy. Facts are hard.

      And if you think only Americans without health insurance face financial troubles, think again. NerdWallet estimates nearly 10 million adults with year-round health-insurance coverage will still accumulate medical bills that they can't pay off this year.

      http://www.cnbc.com/id/100840148

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    46. Re:Officials say? by sycodon · · Score: 1

      1. You know nothing about my current plan.
      2. You know nothing about me.

      Yet you and the Dems feel you know enough to tell me what plan to buy and what needs to be covered.

      Fuck you.

      --
      When Fascism comes to America, it will call itself Anti-Fascism, and tell you to give up your guns.
    47. Re:Officials say? by Q-Hack! · · Score: 1

      There is a difference here still. One voluntarily signs a loan that requires full coverage insurance. You could always save your money and buy the vehicle out right, but for the convenience of using someone else's money, the lender requires it. This is much different from the ACA which is a straight up tax on people to redistribute the cost of those who could not afford or would not normally get insurance.

      --
      Some days I get the sinking feeling Orwell was an optimist.
    48. Re: Officials say? by Anonymous Coward · · Score: 0

      wrongest answer: legalize

      you're staying that it's cheaper and better for society for people to go on being addicts than to provide a way for them get help?

    49. Re:Officials say? by Bartles · · Score: 1

      I know if I had a copper level plan, I would be bankrupt if I had a major medical issue. With a 6K deductible and 12K yearly cap on expenses I might as well be paying out of pocket.

    50. Re:Officials say? by circletimessquare · · Score: 2, Interesting

      you aren't immune to sickness and accidents

      if you don't get insurance, and break your arm, you avoid the bill because you can't pay it, or you declare bankruptcy

      and that makes you an irresponsible freeloader, because the rest of us have to bail out the hospital for unpaid bills with our taxes

      insurance rates should be, and are, graded according to risk, like life insurance or car insurance, so chill out and get your health insurance

      unless you are telling us your real motivation is to be an irresponsible freeloader, and avoid your hospital bill if you get hurt or sick

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    51. Re:Officials say? by AvitarX · · Score: 1

      Voting party line would make them a less attractive group to gain favor from wouldn't it?

      I know I'd rather get the appreciation of those that don't necessarily vote the party line.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    52. Re:Officials say? by Kohath · · Score: 1

      "If you like your doctor, you will be able to keep your doctor, period. If you like your health care plan, you'll be able to keep your health care plan, period. No one will take it away, no matter what." -- Barack Obama, June 15, 2009

      http://www.politifact.com/obama-like-health-care-keep/

    53. Re:Officials say? by Xylantiel · · Score: 0

      Why is it anyone's business what type of insurance I choose for myself?

      Because if you can't pay because you didn't get good enough insurance, everyone has to kick in because the hospitil won't just let you die.

    54. Re:Officials say? by AvitarX · · Score: 2

      Really?

      because 12k is a credible amount of debt to get paid down.

      Yeah, it'd suck to have to pay it off, but you don't need to do it all at once (in practice you get treated then start slowly paying, whatever things state).

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    55. Re:Officials say? by Xylantiel · · Score: 1

      Honestly I never would have thought he needed to qualify that with "assuming your insurance company continues to offer it." I thought that would be obvious. I'm sure a lot of plans are being discontinued because they existed under the assumptions of a lifetime maximum and being able to drop coverage if you get sick. Those things are not allowed now, so some insurance plans are going just going away. What you want the government to FORCE those companies to continue to offer insurance?

    56. Re:Officials say? by Anonymous Coward · · Score: 0

      I'm sorry you have to participate in this society. This transition will be a little rough on some, but it will settle down, and nearly everyone will be better off.

      Look at it this way; you're now insured for pills you can take to stop being such a douchebag.

    57. Re: Officials say? by AvitarX · · Score: 1

      ACA doesn't really expand the government's coverage of healthcare much at all.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    58. Re:Officials say? by Bartles · · Score: 1

      You missed the point. The insurance I have now is a $500 deductible and $0 out of pocket expenses. That copper plan I used as an example is what is available on the exchange for the same price as my current insurance. Insurance like that is worthless, and now people are forced to buy it.

    59. Re: Officials say? by Anonymous Coward · · Score: 0

      You have no idea how much profit some US prisons turn.

    60. Re:Officials say? by sumdumass · · Score: 1

      Medical bills are not the primary reason for bankruptcies, While you can rack up bills that will take more then your life time to pay off, the biggest problem is the lack of income that comes with those large medical bills. You simply do not often get large medical bills without missing work and often, you are permanently off work or off work for a substantial period of time. I don't care how well you planned or if you have insurance, the lack of income usually is devastating to most all working families. Health insurance does nothing to fix that, obamacare of the ACA does nothing to fix that.

      People cite medical as reasons for filing bankruptcy because they have to have a reason other then they spent too much. But what normally happens when they file for bankruptcy is that they are trying to protect assets they can no longer afford like their home or cars or have racked up serious credit card debt trying to keep them because they lack the financial wherewithal to keep their lifestyles without that income.

      This is also not getting into the problems with the ACA's cheap plans that do nothing to fix it either. We are seeing family plans with $10k a year out of pocket deductibles before the insurance even kicks in.

      http://www.bloomberg.com/news/2013-11-15/obamacare-deductibles-26-higher-make-cheap-rates-a-risk.html

      BTW, I didn't think anyone didn't know about this which I commented about. I guess you can stay inside your bubble all you want.

      http://online.wsj.com/news/articles/SB10001424052702304527504579171710423780446

    61. Re:Officials say? by TubeSteak · · Score: 4, Interesting

      I do not think a civilized person can think "let them die in the streets" to be an option.

      CNN's 2012 GOP Presidential Debate
      http://www.youtube.com/watch?v=yva0VSN1_T4&t=41s

      Wolf Blitzer: Congressman [Ron Paul], are you saying that society should just let him die?
      Audience: Yeah!
      Ron Paul: No.
      Audience: YEAH!
      Audience: ::laughter::
      Ron Paul: I practiced medicine, ummm, before we had medicaid in the early 1960s, when I got out of medical school.
      I practiced in Santa Rosa Hospital in San Antonio and the churches took care of them.

      The audience members didn't have to dissemble like Ron Paul did.

      --
      [Fuck Beta]
      o0t!
    62. Re:Officials say? by Bartles · · Score: 1

      For a single mother with 4 kids, who is just outside the eligibility range for medicaid, I think that amount would be insurmountable.

    63. Re:Officials say? by Anonymous Coward · · Score: 0

      This was never true as companies continuously dumped and changed plans, especially when they proved unprofitable

    64. Re:Officials say? by Anonymous Coward · · Score: 0

      That likely makes the policy actually cheaper

    65. Re:Officials say? by AvitarX · · Score: 1

      Yeah, but I was replying to someone that gets into arguments on slashdot.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    66. Re:Officials say? by Anonymous Coward · · Score: 0

      Citation needed.

    67. Re:Officials say? by Anonymous Coward · · Score: 0

      More than half of the people who ended up bankrupt because of medical costs, had health insurance and thought they would be covered. But when they file the claims the fine print demon strikes back and they are left holding huge bills.

      Here is the problem with that statement. People live paycheck to paycheck because if something goes wrong there will be welfare, food stamps, Obamaphone, or SOMETHING from the government to help them out. Or at least that is what they think. There is no reason to save for emergencies or retirement, that is what SS and Medicare are for.

      You have conditioned people to EXPECT the government to handle their issues so they don't bother to learn how to do it themselves. THAT is why you end up having bankruptcies from medical expenses. I got cancer, with MASSIVE bills, but because I assumed the government wasn't going to be there to help me out, and they were not, I was able to handle it myself. I've yet to see a SINGLE penny of help from the government yet you are telling me I need to pay more for other people to not have to be responsible.

    68. Re: Officials say? by DigiShaman · · Score: 1

      My son's birth costed me 6k. The family plan states a deductible of 3k per individual. So my wife and son combined capped out their total for the year.

      When I told my father this (because we were talking about this subject), he said he only had to pay $250 for my birth. And that was 37 years ago. $250 vs. $6,000. WTF happened to the industry between then and now?! That's seriously fucked up!!!

      --
      Life is not for the lazy.
    69. Re:Officials say? by Anonymous Coward · · Score: 0

      No, I vastly prefer that the government mandate I become an insurance customer

      No way this can all blow up horribly. The government never gets anything wrong.

    70. Re:Officials say? by ghettoimp · · Score: 4, Insightful

      Damn straight you should count yourself lucky.

      There are seriously terrible things out there. Cancer. Parkinson's. MS. But do go on. Complain about paying more than your share, you always-healthy person, with your great genes, with your great personal character and intelligence that have kept you away from drugs, cigarettes, alcohol, with your even temperament that has shielded you from depression. Complain, with your good job, where you aren't exposed to toxins, which pays for your good house in your nice neighborhood, where gang violence is the farthest thing from your mind, where you have a great grocery store that enables your fully organic diet, where you have a great gym just up the road that you work out at five days a week.

      The whole point of insurance is that we all get screwed a little, so that when someone gets really fucking boned, they don't get screwed sideways on top of it. Even a perfect person like you can fall off a bike or get hit by a car.

      Of course, you're also right. We're all getting screwed way more than we should because we didn't have balls to say to hell with wall street and insist on a single-payer system.

    71. Re:Officials say? by LordKronos · · Score: 4, Informative

      I'm neither defending nor criticizing the president, but that statement was clearly a bit of hyperbole, and you'd have to be an idiot to take it at face value. Why do I say that?
      1) The statement was made about plans that existed prior to the ACA going into effect
      2) One of the major problems that the ACA was created to address was the fact that insurance companies could (and routinely did) cancel people's policies for any reason at all.
      3) Laws cannot be made to retroactively force people/companies to do something.

      So I think the point was, there was nothing in the law that could cause you to lose the coverage you had. However, there was no way to prevent insurance companies from cancelling policies on their own whim before the ACA went into effect.

    72. Re:Officials say? by Kohath · · Score: 1

      that statement was clearly a bit of hyperbole

      If a private sector insurance salesman promised that, it would be called fraud.

    73. Re: Officials say? by JWW · · Score: 1

      Then what Obama said wasn't true. Period.

      It was Obama that made the rhetorical emphasis that his statement would be true no matter what (err I mean, period).

      That's what the expression - period - means when expressed at the end of a spoken sentence.

      Or perhaps that word does not mean what Obama thinks it means.

    74. Re:Officials say? by Bartles · · Score: 0

      Guess what, with this law you still have to pay for old people to go to the doctor. Only now costs are higher because now a 60-year has to be covered in the event of a unexpected pregnancy.

    75. Re:Officials say? by Bartles · · Score: 1

      True that.

    76. Re:Officials say? by Anonymous Coward · · Score: 0

      Why is it anyone's business what type of insurance I choose for myself?

      Because if you can't pay because you didn't get good enough insurance, everyone has to kick in because the hospitil won't just let you die.

      So then why are they offering different plan levels with the ACA? With it, we're still in the situation of picking up the tab for someone who can't pay because they couldn't afford "good enough" insurance.

    77. Re:Officials say? by Oligonicella · · Score: 1

      And the same attitude led to an AIDS pandemic.

      No it didn't and I would bet money you know it didn't. It came in through the bathhouse circuit, which helped sustain it, but took off with shared needles. I had friends die during that and they argued tooth and nail for their "culture", which fostered it. A simple thing like 'don't fuck strangers in bathhouses' and 'don't shoot up after someone else' would have saved the bulk of them.

    78. Re:Officials say? by ewieling · · Score: 2

      There is also no constitutional right to social security, roads, clean water, safe food, or any of dozens of other things we, as a society, consider important. You mention taxes, do you think we should go back to the tax structure the United States had in the 1950s and 1960s?

      --
      I really shouldn't have used someone else's email address for this account.
    79. Re:Officials say? by Oligonicella · · Score: 0

      "You probably think you had better insurance."

      How fucking condescending of you. You, never having seen the particulars of his/her insurance are so very sure that you understand s/he didn't comprehend what s/he was signing.

    80. Re:Officials say? by CodeBuster · · Score: 3, Insightful

      if you don't get insurance, and break your arm, you avoid the bill because you can't pay it, or you declare bankruptcy

      It's called putting money aside each month and saving for a rainy day instead of always eating out, always buying the latest gadgets and living high on the hog while expecting that other people will cover your ass in a jam or as I like to put it, "Lack of planning on your part does not constitute an emergency on my part."

    81. Re:Officials say? by Bartles · · Score: 0

      So a copper level plan with a 6k deductible and 12k yearly cap, pays for everything?

    82. Re: Officials say? by spongman · · Score: 4, Insightful

      They're called appropriations bills and they're freely available online.

    83. Re:Officials say? by Bartles · · Score: 1

      Insurance companies dropping coverage when someone gets sick, has been illegal since 1997. It's called recission. We didn't need the ACA to fix that.

    84. Re: Officials say? by nwf · · Score: 2

      Sounds like bad insurance. We just had a kid and paid $100 plus $100/day for the hospital. Came to $400 total. We've spent more than that on pictures in two years. And my insurance isn't even all that good. My previous company's was much, much better.

      --
      I don't know, but it works for me.
    85. Re:Officials say? by sycodon · · Score: 1

      I am participating just fine. Paying my taxes and following the law and making sure my children are provided for.

      Can't say the same for all these people who want free shit, including health insurance.

      And, BTW, if you really feel so strongly about this, stop being a fucking pussy and login. That way we will all know who the stooge is.

      --
      When Fascism comes to America, it will call itself Anti-Fascism, and tell you to give up your guns.
    86. Re:Officials say? by CodeBuster · · Score: 1

      The president said "If you like your health care plan, you can keep your health care plan."

      He said, "If you like your health care plan, you can keep your health care plan, period ".

      Now, as I understand the English language ending a statement with "period" means that no further discussion is possible. It means that the previous statement was absolute and made without any equivocation. Obama is fond of statements like "make no mistake" and "period". He talks a tough game but he doesn't follow through so nobody trusts his words anymore and why should they?

    87. Re:Officials say? by Shakrai · · Score: 1

      I'm a civilized person, and I say "let them die in the streets" - there is no "right to health care" in the constitution, nor should there be.

      Repeat after me: The Constitution does not grant us rights. One more time: The Constitution does not grant us rights.

      We had all of the rights recognized by the Constitution. That's why they're called inalienable rights. The only point to listing them is to make it harder for the Government to try and trample upon them.

      --
      I want peace on earth and goodwill toward man.
      We are the United States Government! We don't do that sort of thing.
    88. Re:Officials say? by Bing+Tsher+E · · Score: 1

      Insurace rates should be graded according to risk. Correct.

      So since a post-menopausal 50 year old woman can't get pregnant, she should not be forced to pay for ANY coverage for pregnancy.

      No, it's not acceptable to lump the entire population into a pool and call it 'insurance.' That's called something else that was tried numerous times in the 20th century and proven a failure.

    89. Re:Officials say? by Bing+Tsher+E · · Score: 1

      You wrote a pretty long post there, guy.

      I know! Print it in fucking smaller print. That will work.

    90. Re:Officials say? by circletimessquare · · Score: 3, Informative

      most people live paycheck-to-paycheck. most people can't put away $100,000 for the cancer treatment

      what most people do is get insurance, as this is the most financially responsible and intelligent thing to do, and your plan in your comment is bonkers and not financially responsible nor intelligent

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    91. Re: Officials say? by Anonymous Coward · · Score: 0

      Ah, so now that's it's cheaper for me I'll see a reduction in my taxes, right? no? You mean I'm paying the same taxes, but higher insurance costs?

      Stop ending your sentences with "any questions" you fucking twat. Just because you said something idiotic doesn't mean it's the final word.

    92. Re: Officials say? by Anonymous Coward · · Score: 0

      Ah, so now that's it's cheaper for me I'll see a reduction in my taxes, right? no? You mean I'm paying the same taxes, but higher insurance costs?

      Stop ending your sentences with "any questions" you fucking twat. Just because you said something idiotic doesn't mean it's the final word. I don't want to pay for people who I don't care about. If I have a medical problem, I can pay for it since I have insurance.

    93. Re:Officials say? by Anonymous Coward · · Score: 0

      Young, rich, healthy people pay more so that the old, the poor, and the sick can get affordable coverage.

      So a family of two who make $53k (who get no subsidy in my state) are what you consider "rich"? Funny what passes for "rich" nowadays!

    94. Re:Officials say? by circletimessquare · · Score: 4, Insightful

      >That's called something else that was tried numerous times in the 20th century and proven a failure.

      the american system is a failure. we pay ridiculous multiples as compared to other countries with universal healthcare/ mandatory insurance, and we have lower quality of care than them

      what you call a failure has been proven to be a success in all of our social and economic peers

      this is where you trot out out horror stories from countries with socialized medicine. as if the american model has no horror stories, including avoiding the doctor until it is too late because you can't afford him

      socialized medicine is not perfect. it's just a hell of a lot better than the american joke of a system

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    95. Re:Officials say? by Bing+Tsher+E · · Score: 1

      Tell that to the kulaks.

    96. Re:Officials say? by Anonymous Coward · · Score: 0

      > There is 50% chance you would have ended up bankrupt if you actually had to file medical claims. Have you filed substantial claims exceeding the premium any year? Was it paid without hassle?

      Seriously, just stop making up garbage and parading it as fact.

    97. Re:Officials say? by Anonymous Coward · · Score: 0

      Simple, make medical bills for uninsured or under-insured people nondischargable in bankruptcy (just as student loans are). If they are not paid, the government pays the bill and the patient, nor anyone in the household in which they live, can receive government benefits again until the debt has been paid in full (with interest). Anyone without health insurance and who qualifies can get Medicaid which will qualify as "health insurance". Also, deport (permanently with a lifetime ban on ever setting foot in the US again for any reason) anyone who is not in the country legally who doesn't pay their bills (to private OR public entities) and put a bounty on their being turned into the immigration authorities..

      Publicize and advertise this widely for one year before implementation starts and publicize it's aggressive application thereafter.

      Legalize (and, actually have the government pay the tiny cost without strings attached) for doctor assisted suicide for those who meet legislated criteria rather than encoding a religious notion of "life at all costs" and "your life is not yours, it's God's" in our laws.

      Why can someone receive subsidies for health insurance who have assets but little income? Generally such people don't qualify for SNAP (food stamps), Medicaid, section 8 housing, welfare or a myriad of other programs because they fail the assets test. I don't, in theory, have to pay for your food until you are very needy, but I have to pay for your health care when you could pay for your own insurance simply by liquidating some of your assets? Why?

      (I know at least one person who has net liquid assets of about two million and lives in a million dollar residence (completely paid for), but has so little income due to parking their money in CDs (or worse) who qualifies for a maximum subsidy on the exchange. This person doesn't qualify for SNAP or any other poverty programs that actually expect you to spend your spare cash to buy food and housing! Why is healthcare somehow "special" - food is MORE essential to life - everyone needs it on a regular basis).

    98. Re:Officials say? by JDAustin · · Score: 1

      When you say you have a right to health care, what you are really saying is you have a right to someones labor (either directly from a doctor or indirectly via someone taxes). To provide that direct labor will eventually require some sort of conscription/indentured servitude of medical personal. Remember, the fed now controls the student loans. Want to become a doctor? You must work for the fed where they tell you to go.

    99. Re:Officials say? by JDAustin · · Score: 1, Insightful

      "socialized medicine is not perfect. it's just a hell of a lot better than the american joke of a system"

      Then why to the rich from various countries with socialized medicine come to the US for treatment again?

    100. Re:Officials say? by circletimessquare · · Score: 1

      you answered your question: because if you're rich, you can afford the best healthcare around

      do you think the healthcare they are buying is the average healthcare of the average american?

      do you believe you have to be rich to deserve healthcare?

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    101. Re:Officials say? by circletimessquare · · Score: 4, Insightful

      what about police services?

      do we have to do a financial means test before cops answer 911?

      what about fire services?

      do we have to a financial means test before the firemen turn on the hose?

      healthcare is same necessary fundamental service, where no questions are asked and response is automatic

      therefore it must be paid for in the same way as police and fire, and understood in the same way: a fundamental necessary government service, the way it is all of our economic and social peers (who pay fractions of our healthcare rates, because their policy matches the reality of what healthcare is)

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    102. Re:Officials say? by Anonymous Coward · · Score: 0

      Yeah, and maybe he saw bigfoot and a UFO and Elvis too. He can claim to have any kind of magical insurance in the world as long as he never has to provide details. The fact that all other such stories have been proven fraudulent when their details were exposed should not imply anything about this particular guy, I guess? We should just gullibly nod along to his story?

    103. Re: Officials say? by Anonymous Coward · · Score: 0

      It really would not take much to estimate, every for profit hospital knows these costs cold. They could simply add it as a percentage "approximately $23,134 of your $42,123 bill went to cover uninsured customers".

    104. Re:Officials say? by artor3 · · Score: 1

      The poor young people get subsidies (up to 400% of the poverty line), or can stay on their parents insurance (until they're 26).

      It's the middle-income and wealthy young people who are paying. And they're paying so that someone pays for them when they need it. That's how insurance works.

    105. Re: Officials say? by Rockoon · · Score: 1

      Sounds like bad insurance.

      He wasnt talking about the cost of the insurance, or its quality. He was talking about the price before insurance. $250 vs $6000

      ..and high deductible plans are not bad - your method of paying for wholly expected costs that includes a middle man is bad.

      --
      "His name was James Damore."
    106. Re:Officials say? by Frobnicator · · Score: 1

      most people live paycheck-to-paycheck. most people can't put away $100,000 for the cancer treatment

      And yet some people do not.

      The updated minimum insurance requirements are a good thing for "the 99%", most of us are wage slaves who cannot afford a medical catastrophe, so for most of us removing the catastrophic-only plans is a good thing; too many idiots rely on them. While the requirement is universal, the need is not.

      While I am generally in favor of much of the ACA, there this is one of several portions which I disagree with.

      I know several people who are self-made millionaires through starting their own businesses. (Sadly, I am not one of them.) One of them in particular is a healthy, middle-age man, very athletic (he climbed Everest a few years back) and can afford to self-insure. (He drives his Lamborghini as his primary car, even when going up in the mountains to his 'cabin', over unpaved washboard roads.)

      He was recently complaining because he had a well-researched catastrophic insurance plan that was costing about $150/month for himself but had a five-figure annual deductible to meet. That plan is going away because it doesn't satisfy the ACA's requirements, and is being replaced by a $750/month plan.

      One of the flaws in the law is that it doesn't allow for people who CAN afford healthcare and want the MINIMUM of insurance. That kind of catastrophic care insurance program is rarely useful for most normal people, but for those who are independently wealthy the plans are just fine.

      So while for most people it is a good thing to require the new minimums, it is not universally good.

      --
      //TODO: Think of witty sig statement
    107. Re:Officials say? by willy_me · · Score: 1

      It's called putting money aside each month and saving for a rainy day

      Sure, but they you are paying far too much for your health care. Hospitals charge individuals significantly more then the insurance companies. You're better off just buying insurance - it'll be less expensive and you don't have to worry about what happens when you get diagnosed with cancer (or some other unavoidable and expensive illness). Regardless of how much you put away, there are some conditions for which it will not be enough.

    108. Re:Officials say? by circletimessquare · · Score: 1

      you're an elaborate troll right?

      i can't believe you are seriously complaining about a slight financial burden on a hypothetical millionaire

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    109. Re:Officials say? by khallow · · Score: 1

      anyone who doesn't get insurance is someone who thinks they don't need insurance. while those who get insurance really need it. so costs are spread amongst fewer people and they go up, if you respect the "freedom" of some freeloaders to be stupid and irresponsible

      So who's being a "freeloader" here? Everyone. Classic tragedy of the commons. Create a public good, especially a poorly thought-out and regulated one, and you get people slitting each others' throats for a few dollars.

      now forcing 50 year old to buy childbirth insurance does sound crazy so you fix that specific problem, you don't jettison the entire superior idea

      Wake us up when you finally come up with that "superior" idea. Obamacare was chock full of stupid problems like the one you mention. And it'll take decades to weed them out. By then, Congress and the regulators in the Executive branch will have tossed a few more layers on.

    110. Re:Officials say? by haruchai · · Score: 1

      Can you tell me if the following situation happens in "various countries with socialized medicine"?

      http://www.tnjustice.org/lara-kaylor/

      --
      Pain is merely failure leaving the body
    111. Re:Officials say? by Anonymous Coward · · Score: 0

      you are self-reliant AKA a one-percenter that hates poor people.
      your responsible planning and behavior will be punished

    112. Re:Officials say? by khallow · · Score: 1

      Young, rich, healthy people pay more so that the old, the poor, and the sick can get affordable coverage.

      We'll see whether that actually happens. I notice that a lot of the old, the poor, and the sick ended up on Medicare anyway.

      Here's my take. Health care will decline in quality in the US while continuing to increase in cost. The simultaneous changes to Medicaid/Medicare and health insurance will make that happen. More and more people will be sloughed off to Medicare/Medicaid because the federal budget won't be able to afford the current load and still provide subsidies. And Medicare/Medicaid will continue to decline in quality because the federal government won't be able to afford current, much less past levels of service.

      The only thing I'm uncertain of is timing. Will it happen fast or slow. I'm leaning to a bit on the slow side. It'll take a few years for people to figure out how to game the system.

    113. Re:Officials say? by Anonymous Coward · · Score: 0

      fuck you and your horse. You can buy stocks and make money with wall street fucktard!!!!!!!

    114. Re:Officials say? by quantaman · · Score: 2, Insightful

      Citing a Salon article that exposes Fox News? Pot, meet kettle...

      Really? Salon certainly has a liberal slant, but Fox News regularly misleads its viewers and employs complete nutjobs as contributors. Maybe you could compare Salon to the WSJ but the only Liberalish news org I could think to compare Fox to is the Health section at the Huffington Post.

      --
      I stole this Sig
    115. Re:Officials say? by Bacon+Bits · · Score: 1

      It will take time for the competition in the marketplace to drive prices down. Insurers have been so used to their "take it or leave it" bullshit that they actually have no idea what people want or how they can remain solvent or what prices actually should be. Try again in a year.

      There will invariably be problems with the new ACA law. Insurance companies will find loopholes that will need to be sealed by the legislature. Insurance companies will ignore the law until they are taken to court by the government for not obeying the law. It will take time, but it will get better.

      Think of ACA as Vista. It's shit, and it's worse than XP in a lot of cases, but it made it possible to make Windows 7 which was a major accomplishment. Now we just have to make sure congress doesn't think we want our insurance to work like our smartphones....

      --
      The road to tyranny has always been paved with claims of necessity.
    116. Re:Officials say? by Frobnicator · · Score: 1

      Nope, he is one of several that I know.

      The thing is that laws like the ACA do generally work for the masses. Yes they have their flaws, but all laws are a balancing act of the good of society versus the good of the individual. In this case the general good of society is eliminating plans that are frequently mis-purchased by people who don't understand the nature of the policies. For the general masses it can be an improvement, but for those who are very well off and can afford the costs directly, it adds a completely unnecessary $7200 cost that yields zero benefit for the individual.

      As for the mentality that is is okay to arbitrarily burden the wealthy/successful people who have managed to accomplish the dream of becoming financially independent, yes, I have a problem with adding a financial burden for no benefit. I can easily imagine myself as taking the risk of starting a small business and having it succeed after investing untold hours of personal time and resources into the project. Then to have people say "You succeeded in reaching the American dream of independence, now we want to take it away through an arbitrary 'because you have money' tax" is the antithesis of freedom.

      Taxing money as it changes hands or changes forms is one thing, but arbitrarily reaching in to their pocket and demanding more just because the person has saved up and succeeded in life is something altogether different.

      --
      //TODO: Think of witty sig statement
    117. Re:Officials say? by Anonymous Coward · · Score: 0

      The way I look at it is we all share the cost of covering pregnancy. Without healthy children our society has no future and as a guy with no thoughts of fathering any more children I don't mind chipping in. dfw

    118. Re:Officials say? by Anonymous Coward · · Score: 0

      10 of maybe 250 million?

      I wonder how many will buy a car this year that they choose not to pay for this year? Maybe 25 out of 250 million?

      Obviously, we need ObamaCar. In this legislation, which we may read ofter passing it, everyone must buy at least a $35K car built by union labor every five years. If their income is below some level (which can let one live well in some areas), others (i.e., other taxpayers, yes, you and me) will help pay for the car.

      Awesome idea.

    119. Re:Officials say? by CodeBuster · · Score: 1

      Of course people who save carry insurance, that goes without saying because people with the prudence and discipline to save and invest over years and decades know only too well that insurance is a necessary part of securing their financial futures. Now, without going into a complete dissertation of everything wrong with a 2000+ page law, suffice it to say that ObamaCare has destroyed the very types of insurance that best fit our needs and budgets. Now, instead of benefiting from medical underwriting and the low premiums that come with it, we have to pay for many coverages that we neither need nor want. This is both wasteful and inefficient. ObamaCare has done nothing to reduce our costs. On the contrary, it has increased them by over 100%. That's not what we were promised. I'm still waiting for my $2500 per year in savings or maybe that was just another lie? If Obama will lie to us about healthcare, regardless of his "good" intentions, then what else will he lie to us about? What next will he decide that the American people aren't wise or smart enough to be given the truth on? The people who voted for him are getting what they deserve, I hope that they're enjoying every minute of it because the best is yet to come, along with the first bills for their new health insurance coverage.

    120. Re: Officials say? by Bartles · · Score: 1

      No one forced me to use vista. The law didn't mandate that I use it. Microsoft realized it stunk and replaced it with 7. A shitty OS can be replaced. Anyone who tries to replace the ACA is branded an extremist who wants to deny minorities their healthcare. The door to fix this law closed with the end of the shutdown. The only solution now is repeal.

    121. Re:Officials say? by circletimessquare · · Score: 0

      those who are rich are asked to give more. they receive the most benefits from society, therefore they should shoulder a larger burden. furthermore, those who are rich are often rich through no real effort of their own, or, after a certain threshold, it's profit for little effort. no one is for punishing success and hard work. a couple of extra thousand to a millionaire is not anything remotely like punishment. what i believe in is meritocracy, like you. and a modestly larger tax burden for success does not dissuade people from hard work. what dissuades people from hard work is unfairness. that the middle class don't deserve healthcare because they can't afford it, for example

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    122. Re:Officials say? by circletimessquare · · Score: 1

      obamacare is just a malformed first step, the best that was possible considering the kind of temper tantrums we see in resistance to what is obviously better

      universal healthcare is next, which works in all of our social and economic peers

      of course you can find problems with government run anything. but we're not aiming for perfect. just better and cheaper

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    123. Re:Officials say? by jamstar7 · · Score: 1

      I know if I had a copper level plan, I would be bankrupt if I had a major medical issue. With a 6K deductible and 12K yearly cap on expenses I might as well be paying out of pocket.

      Really? 12K is practically nothing for a serious condition. Try having a heart attack. You'll get billed for about 80-90K. Get a stent put in, it's 87K. Come down with cancer and watch the money SERIOUSLY flow out fast.

      --
      Understanding the scope of the problem is the first step on the path to true panic.
    124. Re:Officials say? by jamstar7 · · Score: 3, Interesting

      Gawd, the amount of Obama boot licking going in that post is unbelievable.

      You guy lied. He lied deliberately. Democrats believed it and supported the law. Now, you say only idiots believed it. Well, that just happens to be the Democrats in Congress.

      Yes, yes, yes, how could I be so blind??? Romneycare GOOD, Obamacare BAD. I see the LIGHT!!!!

      You do realise, don't you, that Obamacare IS Romneycare with some more of the 'gotchas' removed?

      --
      Understanding the scope of the problem is the first step on the path to true panic.
    125. Re:Officials say? by jamstar7 · · Score: 1

      Insurance companies dropping coverage when someone gets sick, has been illegal since 1997. It's called recission. We didn't need the ACA to fix that.

      But they did it anyway. You can't put a corporation in jail. When the fines to pay for that offence are less than the costs to pay for the patient's treatment, it's a no-brainer. And there was no requirement for the insurance company to reinsure the patient again. With the ACA, insurance companies canNOT 'disenroll' somebody because they got massively expensively sick. What they can do is, not pick up their mail for a couple days and cancel the policy for nonpayment, then cash the check as pure profit.

      --
      Understanding the scope of the problem is the first step on the path to true panic.
    126. Re:Officials say? by Anonymous Coward · · Score: 0

      I never purchased insurance, I've always self-paid. I never declared bankruptcy. Every doctor visit, every medical care, I've self-paid. Why should I be forced to pay for medical insurance? You're incredibly naive to call us freeloaders.

    127. Re:Officials say? by Anonymous Coward · · Score: 0

      Oh yeah, like the new $4000 a year plan is going to be better? The shenanigans will continue.

    128. Re: Officials say? by Cyberax · · Score: 1

      That's ok. But then you should be forced to pay for prostate cancer treatment, and not freeload on poor old ladies.

    129. Re:Officials say? by Anonymous Coward · · Score: 0

      Or you get a very high deductible to cover catastrophic care and a health savings account and self insure everything else and are responsible. Oh, but that's not an option anymore because the government knows better than me how to pay for my healthcare. Basically they are forcing everyone into a more expensive (read less responsible option).

    130. Re: Officials say? by Anonymous Coward · · Score: 0

      Yes.

    131. Re:Officials say? by mvdwege · · Score: 1

      It has been proven to work in all civilised countries on this planet. The US is the one that pays twice as much per capita for health care costs while not covering the entire population in one pool and having the highest number of health care cost related bankruptcies.

      Seriously dude, get your 'facts' from somewhere else than the right-wing echo chamber, will you? This just makes you look stupid.

      --
      "I know I will be modded down for this": where's the option '-1, Asking for it'?
    132. Re: Officials say? by Entrope · · Score: 0

      Nice reading fail: I said your particular dollars, and appropriations bills neither fully specify spending nor match actual spending. Nice try, moron.

    133. Re:Officials say? by Anonymous Coward · · Score: 0

      Before their heart attacks, those old people paid to put those younger women through school. Or would you prefer that the old people pay for their old heart attacks and send the young women to work in factories or mines, as in the 18th century?

    134. Re:Officials say? by ABEND · · Score: 1

      There is also no constitutional right to social security, roads, clean water, safe food, ...

      Good roads, clean water, safe food, are all benefits to public health and national security. It's a happy accident that these things benefit individuals.

      Social security and healthcare for individuals are charity. They are not Constitutional or God given rights.

      --
      In all seriousness:
    135. Re: Officials say? by Anonymous Coward · · Score: 0

      Why is it the role of government to provide health care?

      Because a healthy nation is more productive and more competitive in the world market.

      -A European Capitalist.

    136. Re:Officials say? by Anonymous Coward · · Score: 0

      really?? what about the flaming liberals over at MSNBC who straight up lie and mislead? I mean no one watches the station so I guess you could be forgiven for not knowing about them

    137. Re:Officials say? by sycodon · · Score: 1

      Ahh, The Face Painting Homer shows himself. Team Obama, Now and Forever eh?

      So you justify the abortion that is Obamacare by pointing the the fucked up program created in a fucked up little state on the east coast?

      You realize, don't you, that MA has more in common with Cuba than it does other states in the U.S?

      Take you Pom Poms and you face paint and GTFO.

      --
      When Fascism comes to America, it will call itself Anti-Fascism, and tell you to give up your guns.
    138. Re:Officials say? by 140Mandak262Jamuna · · Score: 1
      Yeah, but you did not complete the analogy. Let me do it for you.

      Because the proposed Obamacar system is so bad, we need to continue the present system: "Anyone in an "emergency" situation can grab any taxi and go anywhere they want. If they are not able to pay the cab fare, the taxpayers will compensate the taxi drivers. Further taxi drivers can refuse to take any passenger with pre existing baggage, will accept 10cents a mile for people with transportation care insurance but others must pay 1$ a mile, and you can ride only on pre approved taxis. Government can not negotiate for better price from taxi companies/". If we had a system in place, the logical thing to do would be to let the government run a fleet of taxis and let any one ride anywhere for free. That would be cheaper than this crazy system. But the dimwitted tea party would oppose it and as a compromise you will end up with Obamacar you described.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    139. Re:Officials say? by 140Mandak262Jamuna · · Score: 1
      Private insurance companies have been doing that for ages. Promise tons of things verbally through the scamming insurance "agents" and then show up fine print to duck the hospital bills. It is business as usual for the insurance companies.

      No law can be made retroactive to the detriment of the affected people. So all old policies were grandfathered whether Obama said it or not. Government can not force private companies to continue to policies against their wish. So anyone with a molecule of common sense would know what Obama said was not deliverable. At that time everyone understood the context and did not challenge it. Only now with 20/20 hindsight people are digging up scammed policy holders who were on their way to bankruptcy the moment they actually seek medical care and belly aching about them.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    140. Re:Officials say? by BenfromMO · · Score: 1
      Wrong.

      Those plans were what the people wanted to buy. The people did not buy these plans because they did not want this coverage. People did not want substance abuse coverage, or mental health coverage or the equally laughable "maternity care" for men or any number of extras that we are now covered for and that most of us do not need or want. I want my health insurance back from 2 years ago that had a deductible of zero and that cost half of what I am paying now. I am betting most Americans are saying the same thing....we are paying more for less coverage on what we actually want. You can dress the turd as much as you want about "the old plans were cheap plans that did not cover anything" but I used my health insurance, and I was happy with what I had. Is any amount of your talking about this going to change the fact that I now pay a deductible of 2000 bucks just to visit the ER every year? Are you going to reimburse me for when someone in my family does end up going to the ER and instead of a copay of 100 bucks, I end up shelling out just about the full price for my first ER visit? Who can really afford that anyway?

      In any event, if its true that the older plans I am missing were really "substandard" or did not cover "what the people should have been receiving", than why in the world is our president exempting certain groups from being covered under the law? And if he is exempting the people who tend to be his political allies, is he actually subjecting his followers to sub-standard health insurance as a way to spite them?

      It just does not make sense to state that old insurance is substandard while certain groups get exemption who are friendly with the president. And this is why politicians should not tell people what they can and can not buy. Because it always backfires as the people are forced to buy the candy and the extras that a small group of corporate bought shrills in congress decided they should. Perhaps the people who like the ACA just like to tell others what they must do? In that case, its just a case of children deciding that they know what is best for me, and I hate to tell them this, but they are wrong for me, and for all of those Americans who do have health insurance and who will end up paying full price for any ER visit they go to when in the past their insurance covered it with a zero deductible. So no, people are not paying for coverage that they should have previously been receiving...we are paying for coverage that the democratic party tells us we should have and you are just repeating that mantra.

    141. Re:Officials say? by 140Mandak262Jamuna · · Score: 1

      The fly by night operators who sell 165$ a month better than platinum coverage do not make it that list. They don't last long enough to be counted. I posted a link about the percentage of people ended up with medical bankruptcy even though they believed they had health insurance. That is the percentage that counts. Medicare is a sweet target for scam artists. They have to be more vigilant.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    142. Re: Officials say? by Anonymous Coward · · Score: 0

      How is that possible? Show the math, please.

    143. Re: Officials say? by Entrope · · Score: 1

      You can make a pretty good estimate by dividing the cost of uncompensated care by total costs, and if I recall correctly, it would be well under two percent. At that level, you're probably paying much more for regulatory reporting and other forms of overhead, so it seems silly to only list uncompensated care as a "line item". (It wouldn't really be a line item, because that cost would already be included, and perhaps spread unevenly, across the other charges on the bill -- and if you have insurance that negotiates a reduced payment rate for some goods and services, that discount could make it more uneven.)

    144. Re:Officials say? by BenfromMO · · Score: 1
      Another guy who repeats the mantra that "other countries have better healthcare than the US". OK, do this....go study the issue. Look at survival rates for similar procedures. Than look at waiting times for "non life-threatening conditions". Than look at where medical doctors go to learn their trade. I will give you a hint, its not the UK or Canada, but in the US. Doctors come from all over the world to learn medicine here because our medical system is the best in the world.

      And want to know a secret? We cover everyone as no one can be denied at our ER's. Nothing has changed there either from before or after the ACA, so in essence we still have the best medical care in the world and everyone gets it if they need it. That is no different than socialized medicine for care. Everyone who needs it gets it. And our waiting times are LESS than those other countries.

      The only question is how does one pay for the bill. Prior to the ACA, people like me could go to the ER if we needed to without worry. Now, I will think long and hard about going there due to the cost because before I had a deductible of zero, but now I shell out the first 2000 bucks of anything that happens at the ER, and so in the end people like me who were responsible and had health insurance are going to be gimped even more. Now if we were to institute single payer, I would end up getting more coverage than everyone else anyway, because I would just join the long line of people from Canada and the UK who are buying medical insurance under socialized medicine. I want the best medical care I can get, and I will shell out the money and receive it.

      So explain to me that one .... if medical care is so great with socialized medicine, why are people buying insurance in those countries? Why do people shell out extra money to get medical procedures done here in the US? Why are most medical advances pioneered in the US?

    145. Re:Officials say? by BenfromMO · · Score: 1

      You are assuming that republicans LIKE Romneycare or that they like Romney. You know what they say about assumptions...

    146. Re:Officials say? by Anonymous Coward · · Score: 0

      I'm 35 and by no means rich.

      Then according to Herman Cain, you're lazy. All you had to do was work hard, just like him.

    147. Re:Officials say? by Anonymous Coward · · Score: 0

      that statement was clearly a bit of hyperbole

      If a private sector insurance salesman promised that, it would be called fraud.

      But when politicians promise, it's called business as usual.

    148. Re:Officials say? by Maudib · · Score: 1

      Young POOR people, who have far worse job opportunities then the boomers had, are paying for the boomers to retire.

      After the boomers ran up the bill on multiple wars, raided social security, screwed up the economy, screwed up the environment, they are now asking us to further subsidize their retirement.

      You know what? FUCK THEM. If I had my way, the current generation over 55 and younger then 85 would get nothing more then preventive care from the health insurance pools the rest of us are subsidizing. Anything more then that they can pay for out of pocket, or not get care. Ambulances should be equipped with credit card terminal and require pre-payment for that whole sleazy slefish generation.

    149. Re:Officials say? by Anonymous Coward · · Score: 0

      The price difference seems to be age weighted, but also all plans provide the same coverage. Company plans can offset the deductible for their pool of employees, and so the difference in individual plans. Also, I would check what your "platinum plan" covers. The ACA plans are all the same, what changes is the amount the patient pays. Bronze 40/60, Silver30/70 , Gold20/80, Platinum 10/90.

      If I am mistaken, please provide a reference. I am a ACA supporter and say without reservation the website was a joke. Someone should go to jail for that. But let's keep it all in perspective, no insurance company executives are going to starve...

    150. Re: Officials say? by Anonymous Coward · · Score: 0

      Healthcare improves the national security in the same way safe food does. The more people who are fit for military service, the larger the military can grow via drafts, and the more people who will volunteer for service.

    151. Re: Officials say? by Anonymous Coward · · Score: 0

      You have the right spirit, but are confused about the details. Our founders recognized inalienable rights in the Declaration of Independence, not the Constitution. The Constitution established that the government has no rights, except as expressly permitted by the Constitution. It's power was further curtailed by the Bill of Rights, which created the first 10 amendments to the Constitution.

    152. Re: Officials say? by Anonymous Coward · · Score: 0

      Apologies for the runaway emphasis. Slashdot Mobile doesn't allow previews.

    153. Re:Officials say? by umafuckit · · Score: 2

      This is a good idea, but it touches on one of the main problems with the whole US healthcare system: that the costs in general are wildly high and not anchored to reality. e.g. $15 for administering a Tylenol to a hospital patient, $25 for an alcohol cotton swab, etc. Clearly that's not what those items cost, so what are what are we really paying for? Yes, they could add an "uninsured persons supplement" to the bill, but it would get lost in the shit storm of crazy prices already on there.

      In case you think I'm pulling numbers out of my ass, here's how the OECD see things: http://madvilletimes.com/wp-content/uploads/2013/07/Health-Care-GDP-OECD-1980-2012.jpg

      My opinion is that America isn't ready for nationalised healthcare. Trying to implement it is like using a bandaid to treat cancer. The first step is to disentangle those costs and make them transparent. Clearly there's wastage and corruption somewhere in the healthcare pipeline. That needs to be regulated down to sane levels. Then, after that's been done, we can worry about some form of nationalisation/socialisation. The system will never be perfect, but the current US system has a lot of room for improvement.

    154. Re:Officials say? by Anonymous Coward · · Score: 0

      Ironically when you force me to subsidize someone's abortion you are forcing me to think that letting someone die is an option.

    155. Re:Officials say? by Anonymous Coward · · Score: 0

      Sucker born every minute. Sheeples to the end.

    156. Re: Officials say? by nagalman · · Score: 1

      You are nothing close to civilized. For someone to advocate for women, children, and the elderly (these groups are the largest recipients of government subsidized health care, food, and welfare programs) to suffer a die is just outright evil. If people want evidence that evil exists in the world, this "civilized" guy is a perfect example. Nothing else could possibly motivate this selfish and narcissistic person more. You romanticize this idea of a perfect utopia where everybody is only responsible for themselves and ones that they directly care about. Where taxes are low or non existent. Somehow you think that this is going to lead to prosperity and happiness for everyone. There are plenty of examples in this world where that type of society exists. This lawless land where the central government is weak or non existent. Where there are no social safety net programs. Where the government just stays out of the citizens lives. They exist in many countries in Africa as well as Asia, and in the history the American West. Afghanistan and Somalia are ripe examples. These countries, and the people living in these conditions are generally not prosperous and happy. They live in constant fear of dying and struggle with the basics to just live. In many of these societies, radical and malevolent gangs and groups come to power and suppress large populations of people. See if you think this way of life is so ideal I invite you to move to a place like Afghanistan or Somalia to see if it is really that much better.

    157. Re:Officials say? by Anonymous Coward · · Score: 0

      Ha! Lies! American has some of the best medical schools and research in the world. The hospital systems are most equipped well staffed and trained. I would want to fly back to America to get treatment if i was in any other country with a serious medical problem. America has defined the standards the rest of the world uses. Capitalism laid the foundations that made what is our modern Health Care system in the entire world. Made right here in the USA! No other system has done any better in the history of the world. Take you marxist lies and go lay under a rug. you don't know what your talking about.

    158. Re:Officials say? by Anonymous Coward · · Score: 0

      So I think the point was, there was nothing in the law that could cause you to lose the coverage you had. However, there was no way to prevent insurance companies from cancelling policies on their own whim before the ACA went into effect.

      Exactly, and some insurers are willing to continue their pre-ACA plans, and some just want to switch over and be done. (Yes, I'm sure that has to do with how much profit they're currently extracting from pre-ACA plans.)

      And, BTW, I am one of those 4-5 million poor souls who received a cancellation letter, in which my insurer forthrightly state that they had decided it was not in their best interest to continue my plan. Now they are offering me the choice of several plans that I can switch to, one of which is so close to my current plan that I have not yet figured out what's actually different, and at a price that is higher, but only a modest increase, comparable to any other year's increase. And of course if I do want to stick with them, I do not have to deal with healthcare.gov, just directly with my insurer, just like any other year's renewal, where I get a letter listing alternative policies and offering a chance to switch.

      Oh, the shock, the horror! Whatever will I do! I just cannot imagine having to choose the new plan, check the box on this form, and put a stamp on the pre-addressed envelope! Oops, wait, I'll be damned, the envelope is postage-paid. Oh, well then, if I can just find a pen in the next few weeks and find the strength to check that box...

    159. Re:Officials say? by Anonymous Coward · · Score: 0

      Why is it that so many in the GOP don't understand the need to keep EVERYONE healthy. When more people are unhealthy, the chances that YOU will be unhealthy increase. It is one of the most fundamental concepts inherent in the modern theory of disease.

      If anything should be made mandatory, it should be at least one biology class per year for all Americans, at least until one is 30 years of age. When it comes to basic biology, as the average American is incredibly deficient in their understanding of basic biology.

    160. Re:Officials say? by Nephandus · · Score: 1

      It doesn't and CAN'T work that way. Learn basic arithmetic and algebra... Those paying in mustn't take out what they paid in, unless ONLY they take out and ONLY what they paid in.

      X-Y=Z , X=in , Y=out (In more usual terms, in=revenue and out=cost.)
      If you subtract (Y) ONLY what the payers paid in (X), what's left (Z) is 0 since Y=X and X-Y=0. You're assuming a stable growing pyramid scheme? Most people cost (Y) more than they ever pay (X), so you're pyramid scheme already fails (-Z). If they did, they wouldn't need insurance, just the occasional loan. Costs (Y) are rising faster than revenue (X) per person (N). X/N (revenue per person) is shrinking NOT growing. The minority actually banking this shit just pay increasingly more at increasing loss. Like taxes, a shell-game con...

      --
      "A soft answer turneth away wrath. Once wrath is looking the other way, shoot it in the head."
    161. Re:Officials say? by fustakrakich · · Score: 1

      Yes, I did, unfortunately. Unless I'm missing some sarcasm there, you are obviously posting propaganda. And you didn't answer the question.

      --
      “He’s not deformed, he’s just drunk!”
    162. Re:Officials say? by Anonymous Coward · · Score: 0

      Police and fire are not fundamental.

    163. Re:Officials say? by ynoref+ · · Score: 0

      Nowhere in the ACA is there an attempt to cut the actual cost of health care, in fact they only increased the overhead, which increases the costs.

      Now that I have a few people's attention, particularity ACA supporters, understand there is a different between the cost of health care and the out of pocket costs to individuals for insurance. The ACA was an ill attempt to reduce the cost of coverage by politicians, without regard to how businesses function. By adding additional forms, additional data collection, and governance there may be some benefit many years down the road, but that will never be tied back to the ACA, so it will be considered an intangible benefit.

      We are risking 85% of the previously insured to help 15% of the uninsured. I pray that the 85% don't get totally screwed over, but so far the promises aren't being displayed with the planning.

    164. Re:Officials say? by khallow · · Score: 1

      the best that was possible considering the kind of temper tantrums we see in resistance to what is obviously better

      Nonsense. Let's start with the obvious rebuttal to "obviously better": no incentives to reduce health care costs.

      universal healthcare is next, which works in all of our social and economic peers

      Because the US government has demonstrated that it's going to do a great job with that. And to belabor the obvious, universal health care already existed, you just had to pay for it, yourself.

      but we're not aiming for perfect

      How is Obamacare more perfect than say, reversing every scrap of health care and health insurance regulation back to the 60s? I'm just not seeing it.

    165. Re:Officials say? by Nephandus · · Score: 1

      Do you think your preferences entitle you to other people resources? You're blatantly loading a question without anything to back you up but an obvious violent threat wrapped in "moral" pretension. Crying altruism isn't a free pass, Dumbass.

      --
      "A soft answer turneth away wrath. Once wrath is looking the other way, shoot it in the head."
    166. Re:Officials say? by Nephandus · · Score: 1

      You do realize you're deciding who to you're going inflict pain upon then calling it fair just to handwave your unprovoked attack? Let me guess, it feels good to you thus is "moral", right? Empty self-serving weasel word, that.

      --
      "A soft answer turneth away wrath. Once wrath is looking the other way, shoot it in the head."
    167. Re: Officials say? by spongman · · Score: 1

      Wow take a heart pill, dude.

    168. Re:Officials say? by nbauman · · Score: 1

      Well, we know there are people who were receiving coverage for cancer and heart conditions who had their policies yanked from them because the government said they were junk.

      We do? Name one.

      Fox News can't find one. Every time they give an example like that, and somebody checks their facts, it turns out Fox was wrong.

      This is an interesting example of conservative thinking. Conservatives like Hannity decide that Obamacare must be forcing people to get bad policies, because conservatives believe that the government (and especially the Democrats) can't do anything right. Therefore, they don't have to bother checking their facts. If somebody claims they're worse off undere Obamacare, it must be true. That's why Hannity gets it wrong all the time.

      This is in contrast to the scientific method, where we come up with a theory and look at the facts in the real world to see whether the theory is true.

    169. Re:Officials say? by LynnwoodRooster · · Score: 1

      I for one would love the tax structure of the 50s and 60s. Per-capita, and adjusted for inflation, the US Federal Government ran on half the dollars it runs on now. And we had an actual balanced budget (the only real one - those in the 90s were on-paper only) - Eisenhower paid down the national debt in 1957 (something that no President since then has done). Yes, BRING ON the 1950s/60s tax structure as it will cut Federal revenues in half - and hopefully that would pull the Federal Government back to the size it was, rather than the monstrosity it is now.

      --
      Browsing at +1 - no ACs, I ignore their posts. So refreshing!
    170. Re:Officials say? by Teckla · · Score: 1

      Young people are the poorest age group. Middle aged and older people are the wealthiest age groups. Why should relatively poor young folks continue to pay more and more and more to subsidize their relatively rich elders?

      So a lot of people heat their homes in the winter with natural gas. In the summer, natural gas bills are low. In the winter, they can be very high.

      You can sign up for a payment plan that evens out the costs. You pay more than you normally would in the summer, and less than you normally would in the winter. The monthly charge doesn't change much all year long.

      This plan makes it much easier to budget for expenses.

      It turns out this approach works well for health care, too. Pay about the same in the summer (when you're young) and in the winter (when you're old).

      You see, many young people just aren't very good at planning for the future. For example, many old people would be homeless, and starve on the streets (and die) when they got old, without something like Social Security. The system actually works very well, despite right-wing lies that it doesn't (the only problems are congress borrowing money from Social Security for non Social Security related things).

      So the same proven approach is being applied to health care. This is a good idea.

    171. Re:Officials say? by wytcld · · Score: 1

      Young people are the poorest age group. Middle aged and older people are the wealthiest age groups. Why should relatively poor young folks continue to pay more and more and more to subsidize their relatively rich elders?

      Young people with the lowest income get insurance under Medicare for free under the ACA (unless you're in a state where the population was stupid enough to elect a governor who has blocked that out of meanness and spite). Those with slightly higher income get it with high subsidies, so it doesn't cost much. The only young people who pay full fare are those with high incomes. If you're a young person with high income, you're in the only segment for whom insurance payments are possibly going up under the ACA, aside from those who are older and had junk insurance that basically didn't cover anything before. You're also, if a young person with high income, paying more for recreational drugs, fine dining and clubbing than your new insurance rates will come in at. If you give up one of your nights on the town each month to afford health insurance ... yeah, I feel your pain.

      --
      "with their freedom lost all virtue lose" - Milton
    172. Re:Officials say? by LynnwoodRooster · · Score: 1

      Thanks to insane tax law creation, the US has set up a system where one person (employer usually) pays a second (insurance company), who pays for services rendered by a third (doctor), on behalf of a fourth (patient). All in an attempt to add more control over the US economy (via tax law).

      Understand that if your employer pays for your insurance, that payment on your behalf is tax-deductible - your employer does not pay any tax on those dollars, nor is that spending on your behalf assumed to be income to you (you don't pay tax on that benefit). However, if your employer just gave you those same dollars, and you bought the same health insurance, you would have to pay tax on that money from your employer. Thus there can be up to a 35% tax benefit on that money to having your employer pay for it.

      If you want to return sanity to the system, you'd first eliminate this tax inequality - make all healthcare spending either taxable (at employer and employee level) or tax free. Equalize it. Then have the consumer pay the doctor directly. If you want to buy insurance, that's fine - but it's the consumer who submits bills to the insurance company, and the insurance company pays the consumer. Make the consumer get involved in the financial side of their own healthcare, because right now the consumer really doesn't know how much anyone's paying, nor now much is being charged.

      --
      Browsing at +1 - no ACs, I ignore their posts. So refreshing!
    173. Re:Officials say? by wytcld · · Score: 1

      Then why to the rich from various countries with socialized medicine come to the US for treatment again?

      The rich from various countries go to various countries, including the US. There are thousands of different medical conditions. The best specialist for any particular condition can be anywhere in the world. Nobody's saying none of the doctors in America are first-rate.

      But life-expectancy in the US is lower than in our Western European peers with universal health care. So is the question, "What is the best system of medicine in terms of medical outcomes for billionaires?" Or "What is the best medical system in terms of medical outcomes for average citizens?"

      If you're a billionaire, the first question is entirely to the point. Because billionaires determine the agenda of the Republican Party, FOX News, and the Wall Street Journal, we're having this debate still. Our European peers, whatever their political and economic shortcomings, server average people better. As for billionaires, there's no question but that we've got more of them, that they're happy here, and that they mold our system to server them well.

      --
      "with their freedom lost all virtue lose" - Milton
    174. Re:Officials say? by Rob+Y. · · Score: 1

      I'm kind of skeptical that you got a 'better than platinum' plan for $165/month. I get better than platinum from my employer, and that costs me about $165/month for my share of the premium. But the actual premium is much higher. Since you seem eager to blame your new high premium on the birth control mandate, I'll just write you down as a confirmed right winger (or perhaps libertarian) that just wants to trash the system. Birth control probably brings prices down for everybody - childbirth isn't cheap.

      But for yucks, I just went on to the New York state exchange to see what's available. The prices aren't bad (compared to the Cobra rates for my employer's group plan), but the coverage is pretty shitty. There is no coverage at all for out of network providers in any of the plans offered to me in NYS. Not sure if different people get offered different plans, but that's part of the problem. That's one thing about the exchanges that made the websites a pain to build and a nasty to use - they insist on getting your info upfront and only show you what's available to you. I'm sure the insurance industry's flunkies insisted on that being part of the law. No transparancy on what's being offered to anybody else - but at least they don't ask about pre-existing conditions. In any case, to the extent that this system was constructed to fit the needs of the insurance industry, it's, shall we say, less than optimal.

      --
      Posted from my Android phone. Oh, I can change this? There, that's better...
    175. Re:Officials say? by AthanasiusKircher · · Score: 1

      most people live paycheck-to-paycheck. most people can't put away $100,000 for the cancer treatment

      Absolutely true. That's why everyone should have catastrophic insurance, like they would against a fire destroying their home, against dying early and leaving their kids poor, against disability preventing work for the rest of their life, etc.

      what most people do is get insurance, as this is the most financially responsible and intelligent thing to do, and your plan in your comment is bonkers and not financially responsible nor intelligent

      No, the most financially responsible and intelligent thing to do would be to pay out of pocket for expected or reasonably anticipated expenses, and have insurance to cover catastrophes that cannot be anticipated or which are only likely to happen once or twice in your lifetime (or even less).

      One of the main reasons why the U.S. healthcare system is so messed up is because prices from providers are artificially inflated to drain the maximum money out of insurance companies, and the bigger the company, the better "discount" it can usually gain. Meanwhile, patients have little incentive to shop around for a reasonable price on care, since all that money is changing hands without any consumer input. And it makes it next to impossible for people who actually want to economize to get a straight answer about how much care actually costs. (Try to get a price quote on a medical procedure beyond a shot or a checkup sometime.)

      Would you pay "car maintenance" insurance to avoid paying out for an oil change every few months? Do you pay for an "extended warranty" on some $50 piece of electronics you pick up? Some people apparently do, and they are usually overcharged. If you want some sort of extended warranty, you want something that covers catastrophic unexpected repairs, disasters, and situations that are on the order of 1/4 of your annual salary or more... not your normal maintenance.

      I guarantee that if everyone put a portion of the thousands of dollars spent per year in premiums into the bank instead, keeping only a premium for catastrophic health insurance, they could easily pay for "maintenance" costs for check-ups, minor procedures, etc.

      The $100,000 for the cancer treatment doesn't magically appear when you create the insurance industry. And neither do the hundreds or thousands of dollars the insurance company probably pays out every year for your checkups, routine tests, etc. You are paying for it in the higher premiums you put out every month.

      But having the middle-man skimming off 10% or so for "insurance administration costs" plus the 10% or more you're paying extra to your hospitals and doctors to pay someone to deal with all the paperwork, negotiation, etc. with insurance companies... well, it would be a lot cheaper for everyone if everyone paid for their own "routine maintenance."

      Personally, I think socialized medicine is much better, because it could standardize costs and stop all this ridiculous negotiation and skimming off the top to give to for-profit companies. The government is inefficient, but at least it's not out to make money off of your illnesses... unlike insurance companies. And it would be one "price" for everyone.

      So, yes, without socialized medicine, the most intelligent choice would be to have catastrophic health insurance, and save to pay your routine costs out of pocket. But no one tends to talk about that option, even if it's a reasonable choice. And in that sense, I agree with the GP, because even if people aren't wealthy enough to self-insure, anyone who can actually afford to pay a health insurance premium would be better off financially if they saved their money to pay for the normal annual expenses and only paid for a catastrophic plan. (Of course, this is assuming an ideal world where individuals could actually pay actual cost-of-care prices, rather than being stuck with high fake prices while big businesses get back-door deals.)

    176. Re:Officials say? by umafuckit · · Score: 1

      Then have the consumer pay the doctor directly. If you want to buy insurance, that's fine - but it's the consumer who submits bills to the insurance company, and the insurance company pays the consumer. Make the consumer get involved in the financial side of their own healthcare, because right now the consumer really doesn't know how much anyone's paying, nor now much is being charged.

      I agree: stripping things down would likely help. One good example is the Swiss system. Wages are high and taxes on par with the US (http://upload.wikimedia.org/wikipedia/commons/3/3d/Tax-Revenues-As-GDP-Percentage-%2875-05%29.JPG). From these wages the individual must take out their own health insurance. Some workers, such as those in education, can get discounted insurance. Your premium never costs more than 8% of your income because the government will chip in to cover costs over 8% should you have a low-paying job. The compulsory insurance plans are not allowed to discriminate based on pre-existing conditions, etc. The insured always pays a small proportion of the costs (which is capped, so you won't lose your house and savings if you get cancer) in order to dissuade over-use of services for trivial reasons, etc. IIRC, the insured always pays the full cost of an ambulance trip. You can also take out extra, private, insurance. These premiums are risk-assessed.

    177. Re:Officials say? by shipofgold · · Score: 1

      What you fail to realize is that your $165 plan would NEVER stay at $165...even with the absence of Obamacare. You will be aging. Healthcare costs continue to rise. I would wager that in 15 years your total premium outlay will be less under Obamacare than if you stuck with your $165 plan...especially if you start a family.

      This is all about what is best for the American way of life. You will end up winning in the end.

    178. Re:Officials say? by ewieling · · Score: 1

      I was the poster who suggested a line item on hospital bills indicating how much of the bill was to treat the uninsured as a way to stop hiding those costs. Another way to stop hiding those costs are to make the part of insurance premiums the employer pays be considered income to the employee and itemized in their paycheck deductions. I don't feel making the patient shop around for the best deal in medical care is, at this time, practical. Next time you use your medical insurance ask the doctor exactly how much each test and procedure costs and how much the insurance company will pay. I doubt they will know, but they will refer you to someone else -- who also won't know.

      --
      I really shouldn't have used someone else's email address for this account.
    179. Re:Officials say? by nbauman · · Score: 1

      Medical bills are not the primary reason for bankruptcies, While you can rack up bills that will take more then your life time to pay off, the biggest problem is the lack of income that comes with those large medical bills. You simply do not often get large medical bills without missing work and often, you are permanently off work or off work for a substantial period of time. I don't care how well you planned or if you have insurance, the lack of income usually is devastating to most all working families. Health insurance does nothing to fix that, obamacare of the ACA does nothing to fix that.

      That's what Elizabeth Warren published her research on. That's why the voters sent her to Congress. Warren found that large medical bills were a major factor in bankruptcy. There were other factors, but medical factors were a big one. When some of the cancer drugs cost $100,000, and a CAT scan costs $5,000, what do you expect? People complain about taxes, but medical expenses were a bigger expense than even the highest taxes.

      If you have disability insurance, which most people had in the days of benevolent corporations like Eastman Kodak or IBM, then the disability insurance would cover your expenses. If you had a good job and planned well, financial advisers used to recommend keeping enough in savings to get through a 6-month emergency. That was the free-market solution to disability. If you didn't have disability insurance, you could fall back on the government safety net.

      But corporations don't routinely give disability insurance any more, and most people aren't making enough to pay for disability insurance and accumulate a 6-month cushion. This is a problem of the increasing inequality, which means that people in the middle and bottom are earning less.

      And the federal government and states have cut the safety net back dramatically, starting with Ronald Reagan, and followed up by Bill Clinton.

      We used to have a pragmatic mix of private and government services, which worked reasonably well. But the conservatives (Republican and Democratic) have destroyed the government safety net.

      This is also not getting into the problems with the ACA's cheap plans that do nothing to fix it either. We are seeing family plans with $10k a year out of pocket deductibles before the insurance even kicks in.

      http://www.bloomberg.com/news/2013-11-15/obamacare-deductibles-26-higher-make-cheap-rates-a-risk.html

      Obamacare was based on Romneycare and the Heritage Foundation proposals, with the "moderate" Democrats' foolishly believing that if they gave the Republicans everything they demanded, in a spirit of "post-partisanship," the Republicans would cooperate.

      Liberals, like Robert Kuttner, opposed the Romneycare model, for the very reason this Bloomberg article describes. It's a basic principle of health insurance, well-known to anybody who understands insurance, that private insurance offers you a tradeoff between lower premiums and higher copays, or vice versa. These bronze plans are terrible policies, and the platinum plans are still pretty bad.

      Progressives supported a Canadian-style single-payer system. Canadians pay their premiums through taxes, and they pay less than the bronze plans, for better coverage than the platinum plans. Here, the cost of running health care through the private insurance system eats up about half of your health care dollar.

      But even the liberals agree that Obamacare is better than what we had before. I went to a talk by an insurance expert who worked for a union, and he told us that (though single payer would have been better), under Obamacare the maximum payout in premiums plus copayments will be $8,500 a year for an individual, bronze or platinum. And for low-income people, with the vouchers, their maximum payment will be something like 15% of their income.

    180. Re:Officials say? by Anonymous Coward · · Score: 0

      Ron Paul: I practiced medicine, ummm, before we had medicaid in the early 1960s, when I got out of medical school.
      I practiced in Santa Rosa Hospital in San Antonio and the churches took care of them.

      The audience members didn't have to dissemble like Ron Paul did.

      That's usually the conservative response, that private charity should take care of the uninsured. But in a state like Texas where according to Gallup 28.8% of the population had no health insurance in 2012, there's probably no charity on earth that's big enough to cover all those people. Especially when most charities are focused on helping people in poorer parts of the world.

    181. Re:Officials say? by ewieling · · Score: 1

      From 1965 to 1980 there were 25 tax brackets, the bottom tax rate was 14%, the top tax rate was 70% on income above $200,00 ($1.42M in inflation adjusted dollars).

      From 1946 to 1963 there were 24 tax brackets, the bottom tax rate was 20%, the top tax rate was 91% on income above $200,000 ($2.30M in inflation adjusted dollars).

      This seems much more fair than 2011, where there were 6 tax brackets with a bottom tax rate of 10%, and a top tax rate of 35% on income over $379,000.

      I'm not a tax expert, and maybe I'm reading the http://en.wikipedia.org/wiki/Income_tax_in_the_United_States#History_of_top_rates page incorrectly.

      --
      I really shouldn't have used someone else's email address for this account.
    182. Re:Officials say? by stymy · · Score: 1

      Just because people with money have access to very good care in the US does not make a good system, which involves the whole population. On average, pretty much all other OECD get better results for far less money (both as a %age of GDP, and in absolute terms).

    183. Re:Officials say? by Bartles · · Score: 1

      Like I said, if I had a copper plan and was responsible for 18k in expenses, I'd be bankrupt. It doesn't matter if the procedure cost 18K or 180K. A broken leg can cost that much. Thankfully I have a much better than copper plan.

    184. Re:Officials say? by Bartles · · Score: 1

      I don't live in NY, I live in WI. Here is a link to a description of my plan: http://www.ehealthinsurance.com/health-insurance-companies/dean-wisconsin/benefit-detail/?health-plan=699

    185. Re:Officials say? by Bartles · · Score: 1

      That's just stupid.

    186. Re:Officials say? by Anonymous Coward · · Score: 0

      Actually some parts of the US already don't have fire service. You've got to pay extra to somebody or else your fires don't get put out. Yes really.

      The US is a long running experiment. If a resource-rich country specifically sets out to let people dick one another over as much as possible, is it a horrible, nasty place that you'd no longer want to live in? And the answer is "Yes" but we couldn't get them to stop running the experiment.

    187. Re:Officials say? by Bartles · · Score: 1

      You're an idiot. There's several examples of states suing health insurance companies for millions and ordering retroactive coverage and reinstatement. It didn't happen often, because states generally did a good job of enforcement. A little time spent doing research rather than regurgitating socialist propaganda about a sytem that was so broken that the government had no choice to take it over, would have shown you this.

    188. Re:Officials say? by quantaman · · Score: 1

      MSNBC is pretty awful but I'm not aware of any straight up deceptions (though I don't pay much attention to them so I may have missed them).

      --
      I stole this Sig
    189. Re:Officials say? by CodeBuster · · Score: 1

      In NY I am paying over 60 cents on every dollar in taxes. I am including all taxes not just federal. when is enough enough? Oh, I also make just barely 25 grand a year pretax

      You are receiving what economists call a "signal", through high taxes and low income (even by national standards), that New York is a bad place for you financially. If I were you, I would leave New York immediately and move to some place where I could begin making forward financial progress instead of racking up negative yardage year after year. You don't score touchdowns with negative yardage and you cannot win the game and retire comfortably without putting points on the board. The liberals in New York are holding you by the nose and kicking you in the ass. How much longer will you allow them to continue doing that before you vote with your feet? Take the advice of Horace Greeley and "Go West, young man" because there's no bright future for someone in New York earning 25k per year and paying 60 cents of every dollar in taxes.

    190. Re: Officials say? by circletimessquare · · Score: 1

      it's not possible, he's a lying troll

      --
      intellectual property law is philosophically incoherent. it is your moral duty to ignore it or sabotage it
    191. Re:Officials say? by CodeBuster · · Score: 1

      You carry catastrophic insurance for the hospital, but you never want to go there first. Most doctors will take cash and they will negotiate for a reasonable fee. In fact, the ones that I have paid in cash for my services were so happy to not be billing insurance that they were positively giddy (billing insurance is a major headache in most private medical practices). This works because the price is negotiated and paid up front. I don't feel like I've been ripped off doing this. In fact, I have received good service and discounted prices simply because I paid in cash. Many people aren't aware of all the services that are available at private non emergency clinics. They can stich you up, set broken bones, treat burns and even perform minor surgeries, provided that your life is not in immediate danger, and often for less than $1000. Try getting the same services in the hospital emergency room, even with your insurance, and see what that bill is. I guarantee you that it will be a lot more than $1000, that's what the hospital ER would charge you for the band-aid.

    192. Re:Officials say? by Anonymous Coward · · Score: 0

      This complaint while it sounds rational, is nothing but hot air.

      You do realize that it doesn't cost the insurance company anything to offer prenatal insurance to men and 50 year old women right? it's not like there is some extra "stuff" they have to make and give you. It's literally a piece of paper that says "sure, you're covered for that".

      A particular aspect of insurance only costs the insurers more money in any substantial way if poeple actually make claims on it. In which case, well they obviously needed it.

      I'll tell you what, I'm going to offer "insurance" for unicorn attacks. Do you think this costs me a penny? Use your brain instead of repeating brain dead pundit talking points.

    193. Re:Officials say? by Anonymous Coward · · Score: 0

      Saving for a rainy day is easier when *everyday* isn't a rainy day.

      Federal minimum wage is $7.25/hr
      40hr/wk at $7.25 is $290 *before* taxes and fica
      taxes are around 15% = $43 (yes, the wage earner will get the bulk of this back as a tax refund but that isn't until the end of the year)
      fica is 6.2% for social security = $18 AND 1.45% for medicare = $4
      weekly take home pay is around $225

      Average Wal*Mart employee makes $12/hr
      40hr/wk at $12/hr is $480 *before* taxes & fica
      taxes @ 15% = $72
      fica $30 & $7
      weekly take home pay is around $371

      After rent, groceries, transportion costs(car payment? gas? bus fare?), clothing... what is left for setting aside?

      Medical care and/or insurance are simply too expensive for the vast majority of the working poor. When a broken arm costs two years wages, how does one save for that? Or maybe the better question is why would they bother?

      Medical care has reached the point of the issue not being able to "heal you" but more of "how are you going to pay/afford it?".

      In the end it is self-defeating... health is a society issue. The society is only as healthly as its sickest individual.

    194. Re:Officials say? by Mashiki · · Score: 1

      The poor young people get subsidies (up to 400% of the poverty line), or can stay on their parents insurance (until they're 26).

      You should go look up what some of those "young people" are now paying, including upto 500% more yearly. Coming to the sticker shock of many university students this year.

      --
      Om, nomnomnom...
    195. Re:Officials say? by Anonymous Coward · · Score: 0

      Rights are pointless without someone else's labor. You can't have someone enforce your rights without someone else. Unless you plan on enforcing your own rights.

      The entire point of society is to work together for the benefit of everyone. Humans are a hybrid of social and anti-social, we need to strike a happy medium.

    196. Re:Officials say? by Luckyo · · Score: 1

      Cogito, ergo sum.

      That said, parrots proved it pretty well that echoing words of others doesn't count as thinking.

    197. Re:Officials say? by Bengie · · Score: 1

      My health insurance went up 10% for 2014, which is less than the 15% it went up in 2013 because of increased costs caused by mostly uninsured people putting load on the hospital system. I wouldn't quite say it doubled. Yes, my coverage is the same.

    198. Re:Officials say? by nbauman · · Score: 1

      really?? what about the flaming liberals over at MSNBC who straight up lie and mislead? I mean no one watches the station so I guess you could be forgiven for not knowing about them

      This is a good example of conservative logic. "flaming liberals over at MSNBC who straight up lie and mislead". No example given. No evidence given. They assume that since (they think) MSNBC is liberal, it must lie and mislead as well. No need to look for facts. We know the truth.

      The reason I read the WSJ editorial page for many years is that they could at least present a (usually) consistent, conservative view based on facts and logic. When they made mistakes, they actually admitted it (sometimes). Unfortunately, with time, they became the Republican Pravda.

    199. Re:Officials say? by Anonymous Coward · · Score: 0

      The main cost of health care is that people don't set aside any money for any preventative healthcare, like check-ups, then they get sick and we all have to pay for it when they get sick and the ER has to cover the cost. The ER is under ethical obligation to do a full check-up if someone claims to be sick. If you can't afford your bill, they'll write it off. They are a privately ran, so they just increase the prices for everyone else.

      But they could just refuse people, right? Nope, lose your license. If you don't like ethics, you could say that doctors have no ethical obligations at all, but then why have doctors? Just say anyone can claim to cure any ailment and let the "free market" sort out who is a fraud.

      But since we do have an ethical standard, if people don't get to go in for the $100 yearly check up, they'll just make a trip to the ER and get a $1000 check-up.

    200. Re:Officials say? by Anonymous Coward · · Score: 0

      Welcome to a modern economy, where automation is slowly making human work a thing of the past. At some point in the future, most everyone will be unemployed because there will be almost no work to do. Once energy is virtually free, machines do all the work, what will the 20bil people in the world do for money?

      What happens when supply outpaces demand in almost every sector? The only thing people "need" is food and a home, both which are in an over abundance. We have a country full of empty houses with no one that can afford them, and we throw away almost 60% of our food. Everything else is a luxury.

      Our economy is based on the exchange of luxury. We are starting to acquire a mountain of luxury and no one able to afford to purchase it. What we have is a minority sitting on a mountain of wealth, bitching about how they can't make any more money because the majority can't afford to purchase anything. There is no reason that we can't "afford" to give health care in a fair way that isn't overly wasteful.

      On the other hand, we also have a growing number of poor people who also feel entitlement or at least act it, which I personally think is an educational issue. We need some social work programs to keep people working. On welfare? Here's a job, help install fiber to the home. We also got some roads and bridges in dire need of repair. On welfare and your kids wants a PS4? They they'd better show up to school, get some decent grades. I'm sure someone else could come up with better ideas to encourage kids to to got schools rather than get into gangs.

    201. Re:Officials say? by Bitmanhome · · Score: 1

      One of the flaws in the law is that it doesn't allow for people who CAN afford healthcare and want the MINIMUM of insurance. That kind of catastrophic care insurance program is rarely useful for most normal people, but for those who are independently wealthy the plans are just fine.

      It's not a flaw at all, that's how socialized medicine works. If you can afford your own health care, you still pay in to float all those who cannot. So your rich friend is not being scammed, he's simply paying the new U.S. health care tax.

      --
      Not that this wasn't entirely predictable.
    202. Re:Officials say? by TooMuchToDo · · Score: 1

      Because they don't want to wait? That's the point. There is a minimum level of coverage for everyone. If you have disposable income and decide you don't want to wait on a procedure that is life threatening, you can go somewhere else and spend your disposable cash on it.

      Tell me again why people fly to India to have procedures done instead of having them done in the US? Oh yeah, because American healthcare is ridiculously overpriced for a poor quality of care.

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

      "Medical tourism is a growing sector in India. India’s medical tourism sector is expected to experience an annual growth rate of 30%, making it a $2 billion industry by 2015.[1][2] As medical treatment costs in the developed world balloon - with the United States leading the way - more and more Westerners are finding the prospect of international travel for medical care increasingly appealing. An estimated 150,000 of these travel to India for low-priced healthcare procedures every year.[3]"

    203. Re:Officials say? by TooMuchToDo · · Score: 1

      Fact: OP's insurance was cheaper before and is now more expensive. Their previous plan is no longer available, because it doesn't meet ACA requirements.

      It's not condescending at all; its completely rational that people had no idea what they bought or paid for with regards to their health insurance. That's the point of raising the minimum level of coverage. But go on! Everyone should have the god-give right to be ignorant and complain about something they have a limited understanding of!

      Fact: People are disadvantaged against corporations; government's role is to protect their citizens, even from corporations.

    204. Re:Officials say? by TooMuchToDo · · Score: 1

      So we provide incentives to doctors from other countries to come here (India, South America), and train them to US standards (most already are, as they came to the US to train in their profession). Not enough doctors? There are 7 billion people in the world. It's just a matter of getting them to move here or training them.

      People are working on real problems. You are merely bitching.

    205. Re:Officials say? by kermidge · · Score: 1

      "....raided social security...." Nope. I was in my mid-twenties when that happened, when Nixon was president; I submit the median age of Congress was significantly higher.

      The [semi-capitalistic] economy gets screwed a variety of ways by people of many age groups, as well as by what appear to be intrinsic cycles. Those in actual charge at financial firms are typically the elders. Decline of the economy in real terms roughly coincided with Reagan. Having had five different draft classifications, and having lost too many friends in Vietnam and elsewhere, laying war blame on boomers is specious. To my knowledge the majority of veterans tend to be opposed to foreign adventuring. Boomers in general were at the forefront of environmental protection, the more progressive of the preceding generation were the vanguard; the first Earth Day was April 22, 1970.

      That said, my generation has its fair share of assholes and idiots, just as did, and do, the generations before and after. Generally, the people who screw things up the most are of the "I've got mine, fuck you." persuasion, a stance which knows no generational boundaries, although I see it getting worse of late.

    206. Re:Officials say? by Anonymous Coward · · Score: 0

      You try living on $24k/year. For many people, if you only look at rent, food, and bus fare, they're almost at $0 net profit. I know, they'll pay for their cancer treatment by not having a place to live or food to eat! Bravo, you're a mother f'ckn genius.

    207. Re:Officials say? by Bengie · · Score: 1

      I've never seen a plan stay the same. According to my company's HR, plans are re-negotiated every year. A key word here is "negotiated". A plan never spans more than one year. How does someone get to "keep their plan", if they never last longer than the current contract?

    208. Re:Officials say? by kermidge · · Score: 1

      One of the reasons for the fine balance of payments in the economy was the upper tax bracket rate of 90% after the first million (we had a progressive tax structure with far few loopholes and a much more manageable tax code), just to put some perspective on things. Another solid contributor was a large, stable (and growing) middle-class, along with union-abetted living wages for many blue-collar workers.

    209. Re:Officials say? by sribe · · Score: 1

      That's not true. At least not in my case. I was paying $165 for a better than platinum level plan.

      Not true, pure and simple. Either there was a subsidy you're not aware of, or there were huge gaping holes in your coverage. And of course, you, like all consumers, would be completely unaware of the holes--after all, how exactly are you supposed to keep track of which of the 9,000 billable things doctors can do to you are covered, and for which combinations of 13,000 diagnostic codes.

      You've probably never had cancer. Did you know that some employers have in the past negotiated health plans that would not cover chemotherapy on an out-patient basis? Do you realize that means for some types of cancer, you will die unnecessarily, because by the time you're sick enough to get in-patient chemo, it's too late? Yeah, see, that's the kind of surprise that ACA intends to eliminate.

      You may have never been in the hospital overnight. Do you realize that there are some health insurance plans that have nice low co-pays and a fine network of doctors, which will only contribute $100/day if you're admitted to the hospital, and leave you on the hook for paying the rest of the $1,000-$10,000/day it will actually cost?

      Trust me, when non-profit cooperatives in low-cost states are charging twice that much for high-deductible plans, you absolutely did not have the coverage you thought you did--and you should be glad that you never had the "opportunity" to learn that ;-)

    210. Re:Officials say? by LF11 · · Score: 1

      God help the charity that tries to negotiate the maelstrom of US healthcare and try to actually help people.

    211. Re:Officials say? by wmelnick · · Score: 1

      The US has the best health system in the world, what it is lacking is access to it for certain people. If the US system is so bad, why do we see all the really sick people from the socialized medicine countries coming here for treatment when things get really bad? http://blog.heritage.org/2010/02/09/the-canadian-patients%E2%80%99-remedy-for-health-care-go-to-america/

    212. Re:Officials say? by Anonymous Coward · · Score: 0

      there's no such thing as something cheaper than mandatory insurance

      Econ 101 - something mandated can charge anything it wants too since there is no incentive to reduce the price or increase the quality of it. If it is mandated, you have to buy it no matter what.

    213. Re:Officials say? by ewieling · · Score: 1

      I personally don't think everyone has a "right" to healthcare. I do, however, think universal healthcare is good for the country. I also think the FDA, EPA, and the interstate highway system are good for the country. A population with a better quality of life, higher productivity, lower birth rate, less bankruptcy from medical bills, and all the other good things which come from universal healthcare is a good thing for everyone. Do you think all these "hippies" who want universal health care is a good thing don't pay taxes? I pay taxes, they pay taxes. The increasingly popular attitude of "I've got mine, the rest of you can go to hell" is sad.

      --
      I really shouldn't have used someone else's email address for this account.
    214. Re:Officials say? by Rob+Y. · · Score: 1

      Well, it doesn't list the premium, but I'll take your word for that. It's an HMO with zero out of network coverage, so you'd better hope their network is really good. That's the problem with health insurance (premium and post Obamacare). No way to do an apples to apples comparison.

      --
      Posted from my Android phone. Oh, I can change this? There, that's better...
    215. Re:Officials say? by Rob+Y. · · Score: 1

      I meant pre and post.

      --
      Posted from my Android phone. Oh, I can change this? There, that's better...
    216. Re:Officials say? by fche · · Score: 1

      "The whole point of insurance is that we all get screwed a little, so that when someone gets really fucking boned, they don't get screwed sideways on top of it."

      Yes, and that would be fine & dandy if the risk pool were homogeneous. The members of each pool would pay a little in excess of their expected return (benefit), in anticipation of that rainy day.

      But that's NOT what's happening with post-obamacare "insurance"! The law outlaws whole classes of risk pools, instead mandates lumping people from old & sick to young & healthy into one. That means exactly that the latter are being forced to subsidize the former. The young systematically overpay and the old systematically underpay for their respective risk profiles. That is not insurance, that is generational wealth transfer!

    217. Re: Officials say? by Bartles · · Score: 1

      Look up the dean 500 plan. I can't believe you'd waste that much time typing about my health insurance and how I'm so wrong and incapable of making smart consumer decisions. I sure hope you don't have an occupation where you influence public policy.

    218. Re: Officials say? by Bartles · · Score: 1

      It works great for me, they do have an extensive network. Are you claiming that ACA exchange plans have extensive networks? News reports and personal experiences seem to show exactly the opposite.

    219. Re:Officials say? by CodeBuster · · Score: 1

      It's not a flaw at all, that's how socialized medicine works.

      Except that's not how it was sold to the American people. The Democrats tied themselves up in knots arguing that the Affordable Care Act (aka ObamaCare) was NOT socialized medicine and that it wasn't a tax. When you lie to people and trick them, regardless of your intentions, they get angry with you because most people naturally perceive lying and cheating as hostile acts. Lying to people "for their own good" has been the excuse of tyrants throughout history and usually it hasn't ended well for the people who were sold the big lie.

    220. Re:Officials say? by Anonymous Coward · · Score: 0

      Yes, let me put aside $100k for a rainy day. Let see, with a net profit of about $20/month, after rent, food, energy, etc, and starting around mid 20s, lets see.. In 400 years, I will have enough set aside for a rainy day! A few years back, I had a negative net profit. Just keeping the lights on was a hassle. Luckily, I have a college education and I am making quite a bit more than the average around here.

      Lets see, haven't purchased a video game in 9 months and the last one I purchased was $15 on Steam, haven't purchased any DVDs in several years, my TV I got from my grandma so it's like 30 years old, I haven't gone to the movies in almost a year, I don't own an iPad, tablet, or smart phone, I have about one beer a day at home, but sometimes I can't afford that, I order out about once a month otherwise all rice and veggies, my computer is almost 7 years old, my car is 12 years old.

      Lets see, where could I trim expenditures to help "save for a rainy day". I could get rid of the car, but the taxi fare to get to work would cost more than my monthly loan payments and insurance.. so nope... I could look into a cheaper apartment, but all of those are like 40+ years old, smell, are dirty and falling apart... so nope... I know, get rid of my cell phone.. wait.. required for work.. nope... My Internet connection maybe? nope.. required for work.. hmmm... I guess I could give up my $15/month for World of Warcraft.. but that is ALL of my entertainment budget, so that means I would literally do nothing but eat work and sleep. But hey, I could cut that 400 years down to 200 years.

      My job pays about 1/2 the nation average, but the cost of living around here is about 1/3, so it equals out. But yeah, how do I save up for this magical money? At least next year my plan hasn't changed much, so I will be paying about $220/month, but my job pays almost $1500/month of the real cost, so it's like $1750/month insurance. $1500 deductible with $2,500 family deductible,

      All preventative medications and services covered 100% - this covers a lot of things. If my doctors says "I want to check on this", like an x-ray, MRI, special blood screening, 100%

      Preventative also include the flu shot, which they actually come to our place of work and we can get shots at work. Also any vaccinations recommended for traveling 100%

      Yearly check-ups are covered 100% and any other two doctors visits 100%

      Yearly blood work 100% so I can have my doctor monitor my blood-sugar, lipids, minerals, electrolytes, white-cell count, and about 5 other things

      Co-pays count towards deductible, 80% co-insurance coverage once deductible is met.

      My children and even grandchildren(if my child is still covered) get covered, if I had kids. My insurance also covers "significant others", no marriage required, and is same-sex friendly, as long as it is a "romantic" relationship. Got a long term girlfriend? Shes covered. She got kids? They're covered also. Her kids under 26 and they have kids? They're also covered. It used to be 28, but they wanted to bring it in line with the national age of 26 for the new rules.

      They'll even cover breast reconstruction 100% assuming you had something like a mastectomy

      Need your yearly mammogram? They bring it to work. Just talk to your supervisor and they'll find you a time slot that is not on your break, for you to go to their on-site mammogram. The insurance company actually owns the mobile mammogram along with a mobile MRI. Why does an insurance company own these things? Why, because it is also a state wide chain of hospitals. One of the best in the nation, ranking about 90 out of 100 points, where the average is 50.

      A little digging. Seems my insurance is ranked #1 in the state and top 10 in the nation.

    221. Re: Officials say? by sribe · · Score: 1

      I can't believe you'd waste that much time typing about my health insurance and how I'm so wrong and incapable of making smart consumer decisions.

      Fact is, you still don't know where the holes were in your coverage. If there were no holes, why is your price going up so much?

      Fact is, you were incapable of evaluating that insurance plan fully, not only because the information necessary to do so was complex as hell, it was never even available to you! People in the medical industry see this every fucking day, people who thought they had good coverage, until they have a problem that is not covered adequately.

      But still, it only took me 30 seconds or less to figure out that one major way your plan cut costs was zero prescription coverage ;-) Yeah, had you gotten one of those deadly illnesses where the drug to keep you alive costs $10,000-$20,000/month and I think your opinion of your plan would have changed ;-)

    222. Re: Officials say? by Bartles · · Score: 1

      Actually, I have a prescription rider that adds $20 a month to that policy. It's interesting that you think Kathleen Sebelius is able to make better decisions about my healthcare than I am.

    223. Re:Officials say? by Anonymous Coward · · Score: 0

      How is he supposed to move if he can't afford to live where he is? Genius. Maybe his whole family lives there and has for decades and he doesn't want to move. There's no reason anyone should have to move from a place they have a full-time job in and family history. There should be a living wage for every level of full-time worker in society. If not, we have a big problem as a society.

    224. Re:Officials say? by sumdumass · · Score: 0

      We do? Name one.

      Fox News can't find one. Every time they give an example like that, and somebody checks their facts, it turns out Fox was wrong.

      Stop being a partisan tool. It makes you look like an extreme idiot. Your entire post starts off like someone who doesn't have the facts and doesn't care about them even if they did. FFS, blaming things on Fox News is childish and ignorant. Especially when I do not even have cable.

      http://online.wsj.com/news/articles/SB10001424052702304527504579171710423780446

      There is one. Now I know there is a large movement among the left who want to blame the victim in all this. I agree that a lot of the problems is because the victim is stupid as hell, but that doesn't get around the fact that it worked for them before the ACA.

      This is an interesting example of conservative thinking. Conservatives like Hannity decide that Obamacare must be forcing people to get bad policies, because conservatives believe that the government (and especially the Democrats) can't do anything right. Therefore, they don't have to bother checking their facts. If somebody claims they're worse off undere Obamacare, it must be true. That's why Hannity gets it wrong all the time.

      Actually, it seems that you cannot check any facts and only dig in deeper with some ideology when they are presented to you. I don't know who Hannity is outside of a goolge search that you were more then capable of doing yourself to easily find examples but refused to in order to rant about something that exists in your head.

      This is in contrast to the scientific method, where we come up with a theory and look at the facts in the real world to see whether the theory is true.

      If you are going to pretend that you or your position is based off the scientific method, then I will declare that all you produce is junk science. It really is that simple. You have shown with your post that you do not seek answers, you seek answers that you agree with and are on par or a bit lower then global warming deniers and intelligent design proponents.

    225. Re: Officials say? by sribe · · Score: 1

      It's interesting that you think Kathleen Sebelius is able to make better decisions about my healthcare than I am.

      First off, she's not making decisions about your health care specifically, that's still up to you. She's making decisions about what care your insurer must cover.

      Second off, it's not surprising at all that somebody who's immersed in the subject full-time, probably 60 hours/week, would know more than you or any other consumer with a job that doesn't involve health policy.

    226. Re:Officials say? by sumdumass · · Score: 1

      But corporations don't routinely give disability insurance any more, and most people aren't making enough to pay for disability insurance and accumulate a 6-month cushion. This is a problem of the increasing inequality, which means that people in the middle and bottom are earning less.

      You went bla blah blah then you agreed with me in part while trying to make some other obscene statement. You then get creative in blaming anyone who might be detrimental to your cause and substitute opinions over facts in a statement that if compared to anything else would be obscene to the senses. Seriously, they were going to do it anyways so Obamacare making it happen sooner doesn't count? How about if we arrest someone for rape and murder because they were going to do it anyways and the law allowing topless women on the beach would escalate it? How about killing our citizens in foreign countries because they are with known terrorist so we know they will eventually commit a terrorist act. Oh wait, we are already doing that.

      Listen, I never said there wasn't problems with the old system. Your entire rant about bullshit is just about the same as far as I am concerned. I am more concerned with the lack of improvement and the inability to find exceptions to help those harmed by the supposed attempts to improve it. You can try to justify it all you want but even you haven't stopped to think this through. Like what would stop the federal government from banning abortions? Don't say Roe v. Wade because it relied on an expectation of privacy that the government didn't have the right to invade. Although with Obamacare, the government is intrinsically involved in your medical care with everything concerning what insurance providers will cover, how much they have to cover, to the IRS and HHS having and managing copies of your entire medical history. That 4th amendment expectation of privacy is gone and so is Roe v. Wade's protection against government intrusion. But that's not the only way it can be destroyed. Suppose the courts find that there is still some magical veil of privacy, then the feds can simply tax everyone who gets an abortion 90% of their annual income and the 90% of the gross revenue of anyone and any company who performs an abortion. I mean the due process-less penalty for not having insurance was upheld as a tax and the government's unlimited powers to tax. So even though it might be technically legal, no one could afford to get or give the procedure giving an effective ban on it.

      But go right ahead and act like it is the best thing since sliced bread in its carnation. I certainly wouldn't think anything like that would bother you.

    227. Re:Officials say? by nbauman · · Score: 1

      We do? Name one.

      Fox News can't find one. Every time they give an example like that, and somebody checks their facts, it turns out Fox was wrong.

      href="http://online.wsj.com/news/articles/SB10001424052702304527504579171710423780446">http://online.wsj.com/news/articles/SB10001424052702304527504579171710423780446

      There is one.

      Good example. That's what I meant when I said every time you check their facts, they turn out to be wrong. In this case, it turned out that UnitedHealthcare had decided to drop Sundby's policy even before Obamacare.

      http://thinkprogress.org/health/2013/11/04/2881581/wall-street-journal-horror-story-cancer-patient-losing-doctors-wrong/
      The Real Reason That The Cancer Patient Writing In Today’s Wall Street Journal Lost Her Insurance
      By Igor Volsky on November 4, 2013
      But Sundby shouldn’t blame reform — United Healthcare dropped her coverage because they’ve struggled to compete in California’s individual health care market for years and didn’t want to pay for sicker patients like Sundby.
      The company, which only had 8,000 individual policy holders in California out of the two million who participate in the market, announced (along with a second insurer, Aetna) that it would be pulling out of the individual market in May. The company could not compete with Anthem Blue Cross, Blue Shield of California and Kaiser Permanente, who control more than 80 percent of the individual market.

      http://www.latimes.com/business/hiltzik/la-fi-mh-horror-story-20131105,0,6361694.story
      A closer look at the WSJ's newest Obamacare horror story
      By Michael Hiltzik
      November 6, 2013, 6:05 a.m.
      As for Sundby, the idea that in the pre-Obamacare era, once UnitedHealth bailed out on her—as it surely intended to do eventually—she’d be able to find any insurer willing to cover her cancer treatment without restrictions, allow her to choose her own doctors and therapies without limit, and cap her personal financial exposure at any but a stratospheric level is, to put it bluntly, ludicrous. She may or may not know that, but the editors of the Wall Street Journal certainly do, and for them to put her story out as if her insurance problems would disappear if only the Affordable Care Act ceased to exist is nothing short of malpractice.

      I've been reading the Wall Street Journal for 40 years. I used to read the editorial page every day, because years ago, you could trust them to get their facts right (or more impressively, to apologize when they got it wrong). They used to be the best news source in the world. Now they've turned into a Pravda for the right wing of the Republican Party.

      I think Obamacare was a disaster. It's a conservative plan, based on a Heritage Foundation model, run through the private insurance companies, which are the most inefficient part of the system. We should have had single payer, which would have solved all those problems Sundby was complaining about, at half the cost. But Obamacare is better than what we had before.

    228. Re:Officials say? by sumdumass · · Score: 1

      Sigh... I have seen that. I also have seen statements that United Healthcare decided to pull out of California individual markets and give up on the market there when evaluating the changes it needed to do to policies to be compliant with the ACA. You act as if the two are not connected when they are by the time and happenstance of the situation. Sure, United Healthcare may have eventually gave up and pulled out, but at what time and would it matter to this person when it happened? All the biased links you present do not answer that, they just suppose it was inevitable because California gives tax favorites to other companies and their participation rate was low so it is somehow better that a cancer patient lose their coverage now and not be able to find one that allows her to see her doctors then wait until some later point in time when that access may or may not be necessary. There is also no reason to believe that if United Healthcare pulled out of the California market that the coverage already in place would be removed. United Healthcare is staying in the corporate markets so they will not be completely disappearing. Yet it is magically assumed that they wouldn't maintain existing coverage for those already with them.

      You see, the difference would be between saying no one is going to be covered and we aren't pursuing any more business. It is like a doctor saying I'm shutting my doors and treating no one again verses I'm not accepting new patients.

      But I understand why you would want to blame everyone but the ACA including the victims. It is in the nature of a partisan tool. As long as your beliefs survive anything goes no matter what right? I mean the fact that her and about everyone else's policy had to be changed in order to meet the ACA qualifications had absolutely no impact on whether or not her existing coverage would be cancelled or not because people recognized they couldn't compete with other providers who get special treatment from the government. Even though they were able to provide this person and about 8000 more coverage until the policies had to be changed to comply with the ACA.

    229. Re:Officials say? by Anonymous Coward · · Score: 0

      They don't, for the most part..

    230. Re:Officials say? by umafuckit · · Score: 1

      I don't feel making the patient shop around for the best deal in medical care is, at this time, practical. Next time you use your medical insurance ask the doctor exactly how much each test and procedure costs and how much the insurance company will pay.

      Absolutely: I think one reason costs are so high is because patients do not shop about at all. There is no shopping about because a) patients mostly don't know on what basis to compare services. b) They generally go wherever is closest. c) If there's something seriously wrong with you, you don't want to go looking for the cheapest treatment. d) In many cases, the prices only appear after you've been treated and get the bill. You usually don't know in advance who will be cheapest.

      Where people can and do shop about, however, is insurance.

    231. Re:Officials say? by nbauman · · Score: 1

      UnitedHealthcare has been dropping doctors and providers all over the country, even in its Medicare Advantage plans, which are unaffected by Obamacare. This is a story from the Kaiser foundation, whose board of directors is filled with pro-business and right-wing free market types, unfortunately.

      http://www.kaiserhealthnews.org/Stories/2013/December/01/Medicare-Advantage-UnitedHealthcare-narrow-networks-doctors.aspx

      Dorathy Senay’s doctor had some bad news after her last checkup, but it wasn't about her serious blood disorder called amyloidosis. Her Medicare Advantage managed care plan from UnitedHealthcare/AARP is terminating the doctor's contract Feb. 1.

      She is also losing her oncologist at the prestigious Yale Medical Group -- the entire 1,200 physician practice was axed.

      Senay, 71, of Canterbury, Conn., is among thousands of UnitedHealthcare Medicare members in 10 states whose doctors will be cut from their plan network.

    232. Re: Officials say? by Cro+Magnon · · Score: 1

      IMO, whenever a politician says "period", that's when you should question him.

      --
      Slow down, cowboy! It has been 4 hours since you last posted. You must wait another few hours.
    233. Re:Officials say? by Cro+Magnon · · Score: 1

      I didn't know anyone thought Romneycare was any good.

      --
      Slow down, cowboy! It has been 4 hours since you last posted. You must wait another few hours.
    234. Re:Officials say? by Anonymous Coward · · Score: 0

      US health care GDP: slightly over 17%. Holland health care GDP, claimed to be best in the world by people like you: 15.3%.

      Any questions?

      BTW, I've lived in the UK, where health care really is a joke, and in Canada, where it has become a joke, and am eligible for the VA, which is a joke. That latter makes me completely immune to 0care. I can use the VA if I wish, or not, and not have to buy any "mandatory" insurance. I choose to, because I want real health care, not government shitbaggery.

      If this is an issue for you, move to Holland, pussy. BTW, they'll require you to pay out of pocket for certain treatment.

      Luckily, since as an old guy I'm covered by whinging shitbags like you, it means I have more money to spend on vacations and hunting expeditions to exterminate helpless animals.

      Now, if we can just eliminate the unfairness of older people paying more (Holland makes everyone pay the same), you can pay even more of my bills, and I'll have more money to spend in Africa and Canada, killing their surplus animals.

      So please, fix healthcare some more. I'm loving it. Shut up and pay my medical bills, you little shit.

    235. Re:Officials say? by Anonymous Coward · · Score: 0

      Oh, yes--the "Crazy" idea of requiring 50 year olds to pay for maternity coverage is standard in Holland, and much of Europe.

      It might help if you actually had a fucking clue what you were talking about before being all smart and stuff.

    236. Re:Officials say? by Anonymous Coward · · Score: 0

      However, if you abuse the police service by claiming you need service when you don't, it's called "filing a false police report" and you pay a fine/go to jail for that. There are no "optional" police services.

      If you abuse the fire department by calling in a fire at your house when there isn't one, you either a) pay for their time and effort, or b) get charged by the police for "filing a false fire report" and you pay a fine/go to jail. There are no "optional" fire services.

      With medicine, pretty much everything is optional. Really. You don't get fined/go to jail for failure to go to the doctor. The worst might be that your kids aren't allowed in public school if you can't prove that they have the proper vaccines and/or you might be disallowed from foreign travel. However, everything else is optional (in the sense that it's not required by law). You may WANT the treatment to extend your life, or fix a broken bone, or change the shape of your nose, but in reality, these are all optional services.

      Now, with the ACA (or Obamacare as some call it), you will pay a fine (in the form of higher taxes) for not having insurance.

      While I think we all agree that SOME LEVEL of healthcare is a fundamental service that should always be given with no questions asked and be automatic, what most people disagree about is what should be included in that level of care.

      I personally believe that contraceptives should not be included. Not for religious reasons either. But because if you can't afford the consequences of getting pregnant (or getting your partner pregnant), then you shouldn't have sex. Period.

      The problem is that nobody wants to say "The line is here." because that means that someone, somewhere might die as a result of not getting a specific treatment, or might have a "lower quality of life."
         

    237. Re:Officials say? by Anonymous Coward · · Score: 0

      Yes, I love that 20somethings are working second part time jobs to keep me covered, so I can use the money I save on a hunting trip to Namibia.

      Now shut up and pay my medical bills, you little shit.

    238. Re:Officials say? by Anonymous Coward · · Score: 0

      Most people have barely enough surplus income to handle a more trivial emergency such as a broken vehicle. Hardly anyone can afford to have two months' rent banked anymore, let alone enough money in the bank to fund a serious emergency.

    239. Re:Officials say? by Anonymous Coward · · Score: 0

      That's only because you haven't been paying attention, can't read or can't comprehend information that is before you. I'm sure you have a long list of examples for "regularly misleading its viewers", however, something tells me you get your "what fox just said" from Ed Schultz or MSNBC.

    240. Re:Officials say? by Anonymous Coward · · Score: 0

      Because they can afford to pay for the very best for their specific problem, and even travel to his location, and stay there for as long as they need to.
      Meanwhile, 75% of America who can't afford to pay for the best heart doctor have to deal with the doctor they picked out of their insurance plan network, and if they need a specialist, they get a recommendation from their doc...and while he might suggest they see the best in the biz, well, he is not in their plan, and they can't afford him.
      Another 24% can pick anyone in the local phone book...if they can afford that person.

      Asking why the rich from various countries come here for health care is like asking why the rich from various countries buy a Ferrari, rather than a typical car made in their country.

    241. Re:Officials say? by _Sharp'r_ · · Score: 1

      You may want to also factor in that insurance in NY is much more expensive than in many other parts of the country. The OP didn't specify a location, so it's difficult to tell, but I've had plans on the individual market before that were $350/month for a family of 6 in one state (after paying $1300/month in a high cost state), so $165/month for an younger individual doesn't seem unreasonable to me.

      Now, of course, the whole country is being forced into NY/NJ/MA-style expensive plans, so that all goes way up...

      --
      The party of stupid and the party of evil get together and do something both stupid and evil, then call it bipartisan.
    242. Re:Officials say? by micahraleigh · · Score: 1

      If the American system is such a failure, why did 80%+ of Americans like their health insurance?

      Who are you to tell them they are wrong?

      And why are so many people trying to get into this country?

    243. Re:Officials say? by quantaman · · Score: 1

      I've never watched or read anything by Ed Schultz and I can't stand MSNBC.

      I get it from various online analysts, The Daily Show, RightWingWatch.org, and by watching actual clips of Fox News.

      A couple quick examples are Fox's infamous reaction to the "ground zero mosque" and their demonization of one of the fundraisers who happened to be Fox's #2 shareholder (of course they'd never tell a viewer). They also employ contributors who claim in other venues that Obama tried to nuke the US.

      So. Do you have any examples of MSNBC telling whoppers as large as the Ground Zero nonsense or employing contributors as whacky as Erik Rush?

      --
      I stole this Sig
    244. Re: Officials say? by Rob+Y. · · Score: 1

      Some of them do, some of them don't. I agree that the website doesn't make it very easy to find out. But that's an indictment of the insurance industry - not obamacare's version of the health insurance industry. Obamacare attempts to solve the 'what's covered' part, but does nothing to get you into any particular doctor's office. A truly universal system would be much better. Let it have copays, deductables, whatever disincentives the fiscal scolds deem necesasry to keep usage down. But there need to be standards of coverage and universal acceptance by providers. Without that, you still have a hellish industry of healthcare denial massquerading as healthcare delivery.

      --
      Posted from my Android phone. Oh, I can change this? There, that's better...
    245. Re:Officials say? by Anonymous Coward · · Score: 0

      We're all getting screwed way more than we should because we didn't have balls to say to hell with wall street and insist on a single-payer system.

      No, you're getting fucked way more than you should--and helping to fuck me over as well--by insisting on such idiocy as a government controlled health care system. You are too stupid to live. I hope you die of ass cancer, from taking Obama's cock so willingly and often.

    246. Re: Officials say? by Bartles · · Score: 1

      It's completely naive to think that decisions made about the funding apparatus for health care won't affect healthcare itself. Yes it is surprising, in fact impossible, to believe that Kathleen Sebelius has devoted more time to my health insurance than I have. How does defending full-blown authoritarianism feel?

    247. Re:Officials say? by Anonymous Coward · · Score: 0

      Sure. The only thing is:

      You can put enough cops on the streets to meet demands of crime. (Well, no, you can't, but you can put enough out there to make it look like you're secure.)

      You can put enough firefighters in stations close enough to fires to put them out. And, By the Way, many areas of the country historically *DID* have pay-for-fire-fighting services. And damn straight, if you weren't a subscriber paying them, they'd show up and let your house burn. http://en.wikipedia.org/wiki/Rural_Metro#Fire_Protection_Services

      What you can't do is put enough physicians out there, at a reasonable cost, to take care of the demand for healthcare services. No country has yet managed to do this, anyway: completely satiate the demand for unlimited, free healthcare at government expense.

      Is paying $500,000 for one person with cancer to live six months longer a reasonable cost? Is a million dollar-plus heart transplant something everyone should just be able to have? And if so, how long does it last before your pay starts getting docked to pay for you neighbor's care - or up the street?

      Under the current system, if you have an emergent condition a hospital cannot turn you away. (News flash: Damn few hospitals go bankrupt, and those that do are usually due to inept management.)

    248. Re:Officials say? by Magius_AR · · Score: 1

      Young people are the poorest age group. Middle aged and older people are the wealthiest age groups. Why should relatively poor young folks continue to pay more and more and more to subsidize their relatively rich elders?

      What's ironic is that these supporters of ACA are the same ones decrying the gap between the rich and the poor. It's laughable.

    249. Re:Officials say? by Anonymous Coward · · Score: 0

      Have you investigated the "better than our" system in Britain, or Canada?? NO, or you wouldn't make that statement... that is unless you are (and probably are) an agent of the administration. In any case you are wrong.

    250. Re:Officials say? by Anonymous Coward · · Score: 0

      Really? Salon is a flaming liberal rag. The last election, multiple non-partisan organizations determined that Fox News' News coverage (not editorials) was the most even out of all the major news outlets. This is despite what you might think...

      BTW, number 2 was CNN, MSNBC was the worst most partisan news outlet.

      And yes, only one major news outlet leaned right, but it leaned less right than every other outlet leaned left...

    251. Re:Officials say? by Anonymous Coward · · Score: 0

      What is fair? Huh? Fair is arbitrary. I can say one thing is "fair" and you can say something else is "fair". "Fair" is an idiotic way of measuring the effectiveness of a law. Its an even MORE idiotic reason for making a law. Its like outlawing purple because I don't like purple.

      How about this. I don't think its "fair" that I am stuck with way to bright white skin, i want a better natural tan, and so the government should give away free instant tan lotion! I should have more olive skin!!!

      "Fair" is immeasurable. "Fair" is arbitrary. "Fair" reduces law to personal opinion.

    252. Re:Officials say? by Anonymous Coward · · Score: 0

      The question becomes better for whom? If you are a person who worked hard to get an education in afield that is marketable, found a good job with good benefits, put away a some money for a rainy day, were responsible then its not good for you. The American system has worked pretty good for me. Can it be better? Sure, what can't be improved.
      No need to destroy a system that mostly works for a majority of people so that a minority of people might get health care.
      If socialized medicine is so good then why do some Canadians come to the U.S. for treatment. Why do people in England who can afford it bypass NHS and pay for medical coverage? Its because as in all things socialist you get the lowest common denominator. Lowest paid doctors, lowest quality of doctors. Government administration, lowest patient satisfaction. Not to mention the fact that when a private insurance company turns down you treatment you can take them to court. Who do you go to when the government decides its not worth treating you, because you are old, disabled, politically unpopular?

    253. Re:Officials say? by quantaman · · Score: 1

      And elephants are very small if you only look at one of their hairs.

      Maybe Fox News is fair if you take out all the commentary. But if you take out the commentary it's not really Fox News.

      --
      I stole this Sig
    254. Re: Officials say? by Anonymous Coward · · Score: 0

      To all those who are now engrossed in minutia,with regard to finding some fault in the Affordable Care Act: it's a done deal. Improvements will be made. It's the LAW. Let's stop crying in our beer and move on to more pressing matters.

    255. Re:Officials say? by Bitmanhome · · Score: 1

      I don't care "how it was sold," I can only be a responsible human and analyze the claims for myself. It's obvious that:

      • the hospitals support it because it means they can continue overcharging;
      • the insurance companies support it because it forces ALL health care money to go through their hands;
      • the public support it because they believe it means free health care;
      • the politicians know there's no way to make a workable plan, but the public wouldn't shut up about it so they pushed something through;
      • and, most importantly, this is clearly socialized medicine, though more complicated than other countries.

      I don't understand the anger at the perceived lies. Insurance is fundamentally a fraud, and health care costs are also fraudulent. You're already happy with this level of corruption, and you're happy with encoding this corruption into law. Why are you suddenly unhappy with the way it's being done?

      --
      Not that this wasn't entirely predictable.
    256. Re:Officials say? by CodeBuster · · Score: 1

      No. I disagree with the notion that all insurance is fraud. Insurance is all about paying a small amount of money now to offset the risk of a catastrophic loss at some future date. The basic concept of insurance is economically sound, but health "insurance" here in the United States is peculiar in that it pays for costs which are neither uncertain nor catastrophic in nature. This has the result of creating a system in which the consumer neither knows nor cares about the prices of routine goods and services and providers of those goods and services likewise have no incentive to reduce prices or even improve quality because their customers are paying only part of the bills and indirectly at that. The health insurance market doesn't have to be corrupted, it's stupid and ill conceived government regulations that make it so in the United States.

    257. Re:Officials say? by Bitmanhome · · Score: 1

      No, you're thinking of banks. The purpose of insurance is to take your money and provide as little as possible, as long as you keep paying the premium. That insurance is useful these days is due to regulation, but it's not in the nature of insurance to behave this way.

      The rest of your paragraph I totally agree with, except the last line -- It's not the government who's corrupting the system, it's the insurance company requesting laws that reflect their true nature, and the public constantly demanding free health care.

      --
      Not that this wasn't entirely predictable.
    258. Re:Officials say? by sumdumass · · Score: 1

      lol.. You are in the same trap and thinking you are getting somewhere. Nowhere have you shown that United Healthcare's actions or any of them would have happened without the ACA's regulations making them happen.

      It's like congress passed a law saying you cannot cross the street on Sunday and you observing no one crosses the street on Sunday then cite everyone stopping that practice on that day as the reason instead of the law's requirements.

      The ACA requires many changes. The Cleavland Clinic is nixing a crap load of jobs because of it. Local hospitals are giving doctors the boot in favor of nurse practitioners. Nothing you mentioned can be shown not to be directly because of the ACA's requirements.

  6. toot by nebulus · · Score: 0

    It would be a disaster if this thing actually worked. Don't anger those with the money.

  7. Re:(plus one Infovrmative) by Anonymous Coward · · Score: 0

    Ha, good one. You almost had me.

  8. "Vast Majority"? by Anonymous Coward · · Score: 0

    Given government practices, I believe the term "Vast Majority" was defined in a rider clause to some obscure "Save the Children-Feed up Pork" bit of legislation as:
        * A number which can be interpreted as positive based on the needs of the agency which is quoting it, so long as it meets at least the 2 of the following (642) requirements:
            i. Must be a real number. ("Real" having been defined in line 18, paragraph ZB, page 382, section N, subsection(s) c.,d. of the "Feed Really EgrEgious Denominations Of Money to the Republican Or Conservative Klingon Species ("FreedomRocks) Act.)
            ii. Must be able to obfuscated in no less than 40 (double spaced) pages of irrelevant statistics and methods hiding the method whereupon the number was derived.
            iii.......
            iv. PROFIT!

  9. Hope it works well. by Anonymous Coward · · Score: 0

    I hope it works well now and that millions sign up for healthcare insurance.

  10. Here's What I Know by Anonymous Coward · · Score: 5, Insightful

    I'm unemployed and without insurance. If I go to the dentist's office to get a small no-anesthesia filling, as I did last week, they will accept $116 from an insurance company but will charge me $167 for exactly the same procedure because I'm a cash payer. When an insurance company pays them, they deduct the difference between $167 and $116 as a "loss" to reduce their taxes. Obviously, they've got quite an incentive to do that.

    It's not just dentist's offices. Those are the shenanigans going on with tens of thousands of health care providers across the US, it's to the tune of tens of billions of dollars of "losses" pulled out of thin air, and it has to fixed before any of this is going to improve. Subsidizing private insurance companies with taxpayer money and mandating that people sign up with them while allowing insurance companies to keep skimming profits out of the system and penalizing cash-payers is the wrong thing to do.

    1. Re:Here's What I Know by Anonymous Coward · · Score: 4, Insightful

      They really need to just ban health insurance completely. It is the only thing that will fix things at this point.

    2. Re: Here's What I Know by Anonymous Coward · · Score: 0

      Here's what you don't know. The reason the cash rate is so high is so that the vast majority of payments (that are from insurance companies) are at least reasonable. If it takes $100 for a procedure to be reasonably profitable without gouging the consumer, the "cash price" has to be set at $175 so that the final cost of $100 can be "negotiated". If the cash price were set at $100, the insurance company would negotiate an untenable price point. Welcome to the ridiculous world of for-profit insurance.

    3. Re:Here's What I Know by 6ULDV8 · · Score: 2, Interesting

      I saw the same issue when I turned 50. The cash price for a colonoscopy was between 3 & 4k (didn't get an exact figure), but they settled for $1000 from my insurance company.

      --
      Pull my finger for my public key.
    4. Re: Here's What I Know by Anonymous Coward · · Score: 0

      The write off is not tax deductible. It's just that insurance companies can negotiate with scale whereas you are a single individual
      Of course, you could offer less prior to receiving the service and see.

    5. Re:Here's What I Know by AvitarX · · Score: 1

      They pay less taxes because they make less money, duh.

      Just like if you make less money you pay less taxes too.

      They can either book it as $167 income, with a $51 reduction to the income, or as simply $116 income, either way it's equivalent, they don't get to take the $116 income and $51 deduction paying taxes on only $65.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    6. Re:Here's What I Know by whoever57 · · Score: 3, Interesting

      You think that's bad? Here's my experience: hospital bill: $22k. The negotiated rate that the hospital received was $1.9k for full payment from the insurance company. That's less than 9% of the original bill. Not 90%: 9%.

      --
      The real "Libtards" are the Libertarians!
    7. Re:Here's What I Know by Anonymous Coward · · Score: 0

      If I go to the dentist's office to get a small no-anesthesia filling

      You had your tooth drilled without anesthetic? Not even a shot to numb the jaw? That's crazy. No dentist that I know of would do that. That's just nuts.

    8. Re:Here's What I Know by Charliemopps · · Score: 3, Informative

      Go to a different dentists. There are plenty of them out there now that DONT accept insurance. The cost of doing business with insurance companies is too high. My wife works in the field, and for every dentist, there are 2 to 3 assistants, 1 or 2 hygienists and then 3 to 4 people to deal with billing and the insurance. Stop accepting insurance and now they only need 1 person for billing. Suddenly procedures are cheaper. As long as you're not getting a crown, they can be significantly cheaper (crowns are mostly made out of the office at a lab)

    9. Re:Here's What I Know by Anonymous Coward · · Score: 0

      I get about the same amount -below- the insurance price when I pay cash. I live in Nebraska. Where do you live?

    10. Re:Here's What I Know by Anonymous Coward · · Score: 0

      Any time you have "health care" and "profit" i the same sentence you will have trouble. Those guys are there to make a profit, the biggest profit they can make. They are not there to provide a service. To help you. They do it, half-heartedly since ... they kinda have to.
      The solution to something better (not perfect, mind you) is simple: single payer. no more insurance companies. no more profits. prices could be then regulated by the govt as well. no, you don't need to make 1mil$ per year doctor, 200k should be enough.

      or, something like: if you dont have competition in a field, for a drug, for a procedure, we dictate the price. once 5 or more start providing the same product, we let the market forces dictate the price.

      there are ways. there needs to be a will. and people to wake up.

    11. Re:Here's What I Know by Maxo-Texas · · Score: 1

      You (and the colonoscopy below) need to negotiate in advance.

      I have friends who have both payed less (a LOT less).

      My dentist offers me 75% of the insured price for cash.

      Friend got her colonoscopy for $750.

      She had to wait 3 months and come in at 8am. SAME place insured, it was over $1500 (my portion was $358), I came in on 1 week advance notice at 9am.

      Otherwise- same procedure. Maybe even the same doctor.

      The approach is, "I have cash- I'm shopping on price- what do you charge for this?"

      Obviously doesn't work for emergency care but I read about one person who prearranged their knee surgery (anesthesiologist & all) for less than my insurance co-pay.

      In fact, I suspect increasingly the co-pay is the real price.

      --
      She was like chocolate when she drank... semi-sweet at first and then increasingly bitter.
    12. Re:Here's What I Know by Anonymous Coward · · Score: 0

      This. Right here. This is the root of why the US health care system is broken.

      Insurance companies have (with the help of major providers) essentially formed a cartel, effectively blocking access to reasonably-priced medical care for the uninsured by using their existing customer base to influence prices. The "negotiated" difference is dumped on those who don't have membership in the cartel.

      A regulation that afforded uninsured people prices similar to what insurance-selling incorporated-people actually pay would go a *long* way toward improving the existing system.

    13. Re:Here's What I Know by Anonymous Coward · · Score: 0

      It's not just that. We also need to deal with patent reform concerning prescription drugs.

      Maybe this whole healthcare mess will push us towards single-payer UHC sooner than latter.

    14. Re:Here's What I Know by Bite+The+Pillow · · Score: 1

      I'm sure you misunderstand how this tax thing works. You could "write it off" as in you will never see the money, but "write it off as a loss" makes no sense. The $116 is the negotiated rate, which the insurance company can demand as a result of :
      1) referring patients (via listing who accepts the insurance)
      2) buying in bulk
      Since the rate is negotiated, the $167 is the expected price, not a loss. I really doubt this helps anyone financially.

      If I get a $400 charge, and owe $42 after insurance pays, wouldn't it be to their advantage, if things are as you say, to write it off rather than call me and mail me bills?

      I'm not going to go research it, but it doesn't make sense at all.

      State Farm, which is one of the largest insurance companies, took in $33B in premiums, and paid out $21B. With fees and such (including I assume paying people), they lost $1.5B in 2012. How do they make money? They take your premiums, $114B currently, and invest it.

      http://www.statefarm.com/aboutus/company/annualreports/annualreports.asp

      Economics is rarely simple. They employ people, and buy bonds, and pay taxes (look at the report). I agree with your premise, that this was not done correctly, but you made your point so horribly that you actually convinced me you're wrong.

      As for why it was implemented the way it was, well politics is rarely simple either.

    15. Re:Here's What I Know by fahrbot-bot · · Score: 1

      The list price for a one month supply (one bottle of pills) of my wife's chemotherapy medicine, Temodar, back in 2005 was $11,000 (not a typo). Through her HMO, her co-pay was $40 - with my BC/BS, it would have been 10% ($1,100). Had she live long enough, she would have needed up to 4 months of treatment.

      Pro Tip: When your pharmacist says, "I really hope you have insurance," tighten up your sphincter.

      --
      It must have been something you assimilated. . . .
    16. Re:Here's What I Know by Anonymous Coward · · Score: 0

      If you bill $200 and collect $100 you have $100 in income and you don't get to reduce it to zero by claiming the difference between $100 and $200 as a loss.

      The shenanigans you refer to are a figment of someone's imagination.

    17. Re:Here's What I Know by Anonymous Coward · · Score: 0

      That is not my experience. Typically because a person is ensured the price of that procedure is higher.

      An example: MRI on knee
          - Listed Price $850

      Being a Canadian they knew I was not covered - so I got the "Canadian discount:"
          - List price $850 - $400 Canadian discount = $450 (if I had paid in cash I would have probably got a Cash discount as well).

      So an insured person with 70% coverage would have to pay $850 - 595 (covered by insurance) = $255.

      If you go into a hospital and offer to pay directly and not have them have to deal with insurance companies - you will find the price reduced by up to half in many cases.... since they are guaranteed - paid now.

    18. Re:Here's What I Know by Anonymous Coward · · Score: 0

      I always ask to pay their lowest non-medicare / state-care insurance price. I've had one billing specialist tell me they couldn't reveal it. So I said I'll just start at 1/2 and move my way up and you tell me when it's something acceptable. She agreed as did the DDS. The reason for the higher price for the uninsured is because the insurance companies pay based on what the doctors in the area "advertise" as their price. However, they are free to negotiate a lower price on per-person bases.

    19. Re:Here's What I Know by claytongulick · · Score: 1

      I'm sorry, but you clearly have no idea how taxes on small businesses work. There is no "loss" or any of that nonsense. You can do taxes in two different ways, either cash basis or accrual. Either way, you pay tax on what you actually earned. This is simpler with the cash basis. The thing you may be getting confused with is when business pay tax on accrual, which is where they pay tax based on "booked" revenue, rather than actual revenue. In this case, if the actual revenue doesn't match what the booked revenue was, they are able to make an adjustment so that they only pay tax on what they actually earn.

      You seem to have a (fairly typical) liberalish distaste for business - based on your clearly uneducated portrayal of how business operate. If you think that there's some sort of incentive for a small business like a dental office to earn $116 instead of $167, you're very misguided.

      Additionally, you also clearly have no idea how insurance billing and negotiation work. Insurance billing and rates are done typically off of ICD9 codes, and are based on UNC (Usual and Customary), which in turn is based of of a multiple of medicare reimbursement. The provider charges a multiple of UNC as a standard practice, and then will go through a fairly difficult and lengthy negotiation process with the insurance company in order to "settle" at an agreed upon reimbursement. In fact, this process is so lengthy and difficult, there is an entire industry in health care that's dedicated to doing nothing but this, and to handle these negotiations. Take a look at a company called NCN (Nation Care Network). They are an example.

      Because of the difficulty getting reimbursed in a timely manner from the insurance companies, and the cost involved in these negotiations, the providers will frequently inflate the amount they are billing, with full knowledge that they will not be reimbursed for this amount. They do this as a negotiating tactic for the insurance companies. This is the high "inflated" bill you're referring to.

      It is extremely rare that anyone would actually pay that inflated amount. In fact, the providers will normally give you a nice discount off of UNC if you pay directly because it saves them the expense and hassle of getting reimbursed from the insurance companies.

      The problems with the healthcare system in this country are not a result of evil money grubbing providers, or even of evil money grubbing insurance companies. The problems with the cost of healthcare are directly attributable to the regulatory environment.

      If you doubt this in any way, go do some research. Go look at the cost of healthcare prior to medicare/medicaid, and then the cost of healthcare afterwards. Even a trivial bit of research will show you the huge spikes in costs. These spikes in cost are a direct result of the command economy approach to price setting in healthcare, and the fact that these rate tables are used as a basic for UNC.

      The notion that adding even more of a command economy and a harsher regulatory environment is going to somehow make things better is ludicrous. The idea that putting the same people who have demonstrated their willingness to systematically abuse power in almost every scenario where power has been granted... that these people are going to make all of our lives better... this is nonsense and everyone knows it.

      This entire healthcare law is about one thing: power. Anyone who is intellectually honest will recognize that. The disagreement is with whether granting these sweeping powers to a bureaucracy will make things better or worse. I don't know for sure, but I have my suspicions. Or we could ask the flood of healthcare workers and doctors that are fleeing the profession what they think about it all.

      I suspect we, as a country, are going to get yet another lesson in "the law of unintended consequences".

      --
      Drinking habits can be dangerous. You can choke on the cloth and the nuns will wonder where their clothes are.
    20. Re:Here's What I Know by Anonymous Coward · · Score: 0

      You have a strange idea of how tax works. You can't write off the difference between what you're paid and what you would like to be paid as a "loss". Otherwise every company would price their goods at twice the price, sell them at a 50% loss, claim write off on the 50% they didn't get paid and end up taxed on $0.

      What you are seeing is the effect of the dentist needing a starting negotiating position on price (a "standard rate") from which it can offer a "discount" to the insurance company while still making a profit. Unfortunately as a cash-payer you're ending up with the pre-negotiated ticket price.

      If you're literally paying with cash you might want to try asking them if they can offer a cash-payment discount - you're saving them overhead (and CC processing fees) so maybe they'll go for it.

    21. Re:Here's What I Know by Anonymous Coward · · Score: 0

      When an insurance company pays them, they deduct the difference between $167 and $116 as a "loss" to reduce their taxes. Obviously, they've got quite an incentive to do that.

      Citation, please.

      I have relatives in the field. Look at it this way. The dental clinic sets a price based on time, materials, overhead, and type of procedure, etc. Generally, the clinic expects the patient to pay the difference ($167-116) up front since they have a good idea what the insurance company will pay. There is one wrinkle though -- and it may be what you're referring to -- if the patient is on certain government assistance (Medicaid, I believe), the cost of the procedure is a fixed price, even if it means a financial loss to the dental office. I'm not aware this can be claimed as a tax loss, so thanks for the tip.

      You're lucky that dental office wasn't trying to trap you into one of those $10,000 treatment plans to crown all your teeth like some of the commercialized dental companies tend to do.

    22. Re:Here's What I Know by mikechant · · Score: 1

      You had your tooth drilled without anesthetic?

      I have this done *at my request* and the dentist does not seem surprised. I find the injections much more painful than the drilling (many of my teeth have been filled so much they seem to have very little sensation left in them). It's just a faint dull pain for a short time, no big deal.

    23. Re:Here's What I Know by cecst · · Score: 2

      I'm unemployed and without insurance. If I go to the dentist's office to get a small no-anesthesia filling, as I did last week, they will accept $116 from an insurance company but will charge me $167 for exactly the same procedure because I'm a cash payer. When an insurance company pays them, they deduct the difference between $167 and $116 as a "loss" to reduce their taxes.

      Paper losses like this are not tax deductible. I work with a medical office, and that is one of the first tax-related truths they discovered.

      On the other hand, taking advantage of people is unfortunately part of human nature. The nice part about paying cash is you can say, "I will pay you in full now. If you bill the insurance company, you have to submit a claim and pray that they pay and not recoup the payment in the future. And, please give me your best price now because I am going to three of your competitors who are conveniently located in this same neighborhood and will ask them their best price. Then I will choose, and I won't be back if your office is not the winner."

      This is called capitalism: make it work for you!

    24. Re:Here's What I Know by Anonymous Coward · · Score: 0

      When an insurance company pays them, they deduct the difference between $167 and $116 as a "loss" to reduce their taxes.

      Uhm, no. Either they're cash-based accounting, in which case the report the $116 that they receive, or possibly, maybe, if they're accrual-based they book the $167 billed, then deduct the $51 that they don't get paid, thus reporting a net of, drumroll please, the $116 that they actually got paid.

      Sorry numnutz, but it's always better to get the money and pay taxes on it than to not get the money. You'd think somebody without a job would have noticed that ;-)

      Those are the shenanigans going on with tens of thousands of health care providers across the US, it's to the tune of tens of billions of dollars of "losses" pulled out of thin air, and it has to fixed before any of this is going to improve.

      Wow, that's just... so... stupid... How in the hell did crap like that get modded up???

    25. Re:Here's What I Know by Anonymous Coward · · Score: 0

      Maybe "out there" but not "out here". Procedures might be cheaper at places that do not accept insurance but free advertising and customer retention due to insurance plans is gone.

    26. Re:Here's What I Know by Anonymous Coward · · Score: 0

      Excellent point. Many of the hospitals prefer the cash from the uninsured.

    27. Re:Here's What I Know by whoever57 · · Score: 1

      If you doubt this in any way, go do some research. Go look at the cost of healthcare prior to medicare/medicaid, and then the cost of healthcare afterwards. Even a trivial bit of research will show you the huge spikes in costs. These spikes in cost are a direct result of the command economy approach to price setting in healthcare, and the fact that these rate tables are used as a basic for UNC.

      While I don't discount the possiblity of some infuence from Medicare/Medicaid, I think that your argument is an over simplification. Look at just about every other country that provides univesal healthcare, yet costs are far lower.

      The biggest problem is that healthcare providers are paid for failure. They bill for every procedure, whether it was necessary or effective. Hospitals with poor hygene can look forward to re-admission of patients (and more billing) with post-operative infections, etc..

      --
      The real "Libtards" are the Libertarians!
    28. Re:Here's What I Know by sribe · · Score: 1

      They can either book it as $167 income, with a $51 reduction to the income, or as simply $116 income...

      I believe that they do not actually have a choice--because they have inventory, they are required to use accrual accounting, which I think would require they book the $167 as income when billed then separately book the $51 reduction against it when paid.

      You're right of course that they still pay tax on what they're paid. (In fact I made the same point in an earlier AC post which for some reason never showed up.) But the requirements of accrual accounting lead to confusion among those ignorant of such things.

    29. Re:Here's What I Know by Bengie · · Score: 1

      Well, the point of a mostly free market is to charge as much as the market will bare. When you're talking about your life, there's not much choice, it's not optional. Free market does not function when the consumer does not have a choice.

    30. Re:Here's What I Know by AvitarX · · Score: 1

      We don't do it that way where I work, of we are a small company, so it may be less strict.

      We use accrual, but we reduce the invoice amount with a discount, thus dropping the revenue. We don't say we made the full amount, then drop it when we are paid.

      The way I see it, the reduction in income happens at the moment of procedure (as much as the income itself does anyway), but I'm sure there are reasons and ways to legally do it other ways.

      For example perhaps the insurance discount comes with payment at a certain time, that style discount would accrue at time of payment, also perhaps booking it as a "payment" from doctor to insurance company may give the doctor a better idea of the cost of business with such and such a company.

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    31. Re:Here's What I Know by sribe · · Score: 1

      We use accrual, but we reduce the invoice amount with a discount, thus dropping the revenue. We don't say we made the full amount, then drop it when we are paid.

      The way I see it, the reduction in income happens at the moment of procedure (as much as the income itself does anyway), but I'm sure there are reasons and ways to legally do it other ways.

      If you take the discount at invoice time, I'm sure it's legal to do exactly what you say you do. But aren't there times where the insurance payment is different than you expect? Perhaps it's easier in dentistry, due to there being fewer total procedures. But I can tell you that for physicians, they often don't know what they're actually going to be paid--in fact it's easy to find many many reports of insurance companies withholding the contract price schedules from smaller practices, in direct violation of the law.

    32. Re:Here's What I Know by AvitarX · · Score: 1

      I'm not in a field paid with insurance, and I can see what you mean about them not knowing what they're getting, considering any time I've received care, they send the whole amount to the insurance company and then reduce it (as shown in my EOB).

      --
      Wow, sent an e-mail as suggested when clicking on "use classic" banner, and got a fast response that addressed my msg
    33. Re:Here's What I Know by Shadoefax · · Score: 1

      ... they deduct the difference between $167 and $116 as a "loss" to reduce their taxes.

      I recently had an angioplasty to install a couple of stents. I got a copy of the bill the hospital sent to the insurance company. Total cost: ~$60,000. What the insurance company paid the hospital: ~$2,000. My co-pay: ~$600. So the hospital gets to write off ~$57,400? It's all just a big game and it sucks ...

      --
      All my signatures are stolen from other people. Including this one.
    34. Re:Here's What I Know by Anonymous Coward · · Score: 0

      Take them to court for discriminatory pricing practices.

  11. Translation by Anonymous Coward · · Score: 1, Funny

    "We instructed the IETF to change HTTP, 4xx now means the same as 2xx".

  12. Overheard at CGI... by Anonymous Coward · · Score: 5, Funny

    BOSS: Our mandate is to make this site work for the vast majority of users in two weeks. Otherwise we don't get a bonus. And by "we" I mean "I".
    ENGINEER ERNIE: But there are millions of users! Right now the site can only handle 200 simultaneous users, and we just don't have the hardware for more. If we work our asses off and spend a bunch of money on servers, we might be able to get it up to ten thousand. That's nowhere near the vast majority.
    BOSS: Damn it, I promised my son I'd buy him a Cessna for his birthday. I need that bonus! You guys had better think of something quickly.
    ENGINEER DAVE: I think I have an idea...
    BOSS: Spit it out, man!
    ENGINEER DAVE: ... well, I just thought you could hire a few competent engineers for a change. That might get the job done.
    BOSS: Look, I tried that. It was nixed by the big shots -- they don't want to develop a reputation for competence, okay? You've gotta figure something out that works with our current human capital.
    ENGINEER ERNIE: Uh, I have an idea. Say again what the mandate was?
    BOSS: We have to make the site work for the vast majority of users in two weeks.
    ENGINEER ERNIE: That's what I thought. So if we just drive away all the users right now, then we will have no users in two weeks, right?
    BOSS: Yeah... how does that help?
    ENGINEER ERNIE: Well, what's the vast majority of zero?

    [Silence]

    ENGINEER DAVE: But... but...
    BOSS: Shut up and start sabotaging the code, or you're fired.
    ENGINEERS: Yes, sir!

    1. Re:Overheard at CGI... by shentino · · Score: 1

      Sadly this doesn't seem fictional.

    2. Re:Overheard at CGI... by Anonymous Coward · · Score: 0

      If you believe that is in any way a realistic scenario, then you are a drooling idiot.

    3. Re:Overheard at CGI... by nwf · · Score: 1

      Bah, that implies there WAS a plan. I think it was more just an ad-hoc collection of contracts that accreted a non-functional web site as a result.

      --
      I don't know, but it works for me.
    4. Re:Overheard at CGI... by Anonymous Coward · · Score: 0

      Pretty sure it was just a joke.

  13. Yeah sure. by Anonymous Coward · · Score: 0

    Healthcare still sucks ass and is expensive and semi-useless. But at least the website works now!

    Now it can deny useful coverage and overcharge people as intended.

    great.

  14. I played with it just now by sandytaru · · Score: 4, Informative

    Zippy and responsive. Each page was uncluttered, and what little info I had to give to "see plans in my area" was reasonable. I got back a dozen quotes in under a minute just clicking through things.

    Now, the actual registration process is probably more complex, but if the rest of the website responds as beautifully as it did for me during those dozen screens I saw, then they really did a good job fixing it.

    --
    Occasionally living proof of the Ballmer peak.
    1. Re:I played with it just now by Anonymous Coward · · Score: 0

      Zippy and responsive. Each page was uncluttered, and what little info I had to give to "see plans in my area" was reasonable. I got back a dozen quotes in under a minute just clicking through things.

      Now, the actual registration process is probably more complex, but if the rest of the website responds as beautifully as it did for me during those dozen screens I saw, then they really did a good job fixing it.

      Good, then that's one less thing Fox News has to whine about.

    2. Re:I played with it just now by BLKMGK · · Score: 4, Informative

      Okay, I tried it based on your post. In Chrome it brought up no quotes at all, I saw Ghostery block some Google analytics. I fired up the dreaded IE and after entering my zip and hitting enter I had a series of potential quotes in seconds.

      Yup, this is WAY better than it was before when I couldn't get past the front page. I'll be pinging a few of my friends who need this to check it out too.

      --
      Build it, Drive it, Improve it! Hybridz.org
    3. Re:I played with it just now by phantomfive · · Score: 1

      It seems to be rendering strangely for me in Firefox. The text "Find Health" is bleeding into the top blue bar, or maybe it's just a strangely designed page. I guess that's not enough to break things, though.

      In any case, that's just the front end. Apparently there's another 30% that needs to be completed.

      --
      "First they came for the slanderers and i said nothing."
    4. Re:I played with it just now by Anonymous Coward · · Score: 1

      Right. Because bitching about how the page was dysfunctional was just something that Fox complained about. Oh, that's right, the leftist "news" agencies refuse to question the Dear Leader so we're fucked when it comes down to getting an honest response for them when it comes to the corruption and contempt that this administration has for anyone but their closest allies.
       
      So, yeah, fuck Fox news... give me filtered bullshit from the left that still scoffs at Bush making grammar errors but gives Obama a pass on shit like using the IRS like an attack dog.
       
      This nation is truly fucked.

    5. Re:I played with it just now by Shados · · Score: 1

      That part of the site was never all that bad. Its the registration process that had issues.

    6. Re:I played with it just now by Anonymous Coward · · Score: 0

      Foxnews.com now is running China v. Japan airspace/Biden as their lead story. I guess they checked out the new ACA website too!

      lol - Ailes
      lol - Rove
      lol - Murdoch

    7. Re:I played with it just now by chill · · Score: 1

      Nice troll. That article was published on 11/19, which is 11 days ago.

      And he was talking about needing to build the accounting, reconciling and payment systems -- which won't really come into play until January. They have nothing to do with the general public who is signing up.

      --
      Learning HOW to think is more important than learning WHAT to think.
    8. Re:I played with it just now by sandytaru · · Score: 1

      Actually, wasn't one of the biggest complaints on Oct 1 the fact that you had to complete the registration to even see the quotes?

      --
      Occasionally living proof of the Ballmer peak.
    9. Re:I played with it just now by bwcbwc · · Score: 3, Insightful

      There's a difference between "The administration f-ed up the website and they deserve legitimate criticism." vs. "See, this proves that Obamacare sucks." There's also a difference between criticizing Fox when it really goes right-wing wack0, and just generic bashing because you don't like their slant.

      Ladies and Gentlemen, you may now remove your blinders. Yes, ALL of you.

      --
      We are the 198 proof..
    10. Re:I played with it just now by phantomfive · · Score: 1

      Nice troll. That article was published on 11/19, which is 11 days ago.

      So, what? You think they did 40% of the development in 11 days?

      --
      "First they came for the slanderers and i said nothing."
    11. Re:I played with it just now by samwichse · · Score: 1

      Just checked it out, and in about 45 seconds, I was looking through the qualified plans (had to lie about my state so I didn't get sent to the state exchange). The enrollment area could be screwed up, but I'm not checking that, since I have insurance through my employer and my state has its own exchange, so I couldn't use it anyway.

      Overall, from what I've been hearing on the news, I was expecting something that looked like msn from 2005 viewed in Netscape, and the plans to be terrible and expensive, but the prices actually seem better than what my employer's paying now for similar deductibles.

      This was on Opera, BTW.

  15. performance? try getting the back end working. by Anonymous Coward · · Score: 0

    I'm not sure I care about site performance if I can't get past the verification step. The first time I called they said try back in 24hrs. The second time I called they said "Try it on a weekend!", the third time, "Try back after the 1st of the month"...

  16. Re:define "performing well" by msauve · · Score: 0, Troll

    We have property taxes, income taxes, social security taxes, now medical taxes. The plan to force everyone to participate in the dollar economy instead of being able to subsist on their own takes another step. We can't have anyone think they're responsible for themselves. From each according to his ability, to each according to his need.

    The usurers and overlords are pleased.

    --
    "National Security is the chief cause of national insecurity." - Celine's First Law
  17. Re:define "performing well" by Aighearach · · Score: 5, Insightful

    Canada has more health care than Americans do, and they're not slaves.

    Are you completely sure that health care is slavery?

  18. Re:/. has gone full right winger... by Anonymous Coward · · Score: 1

    with all of these anti-ObamaCare stories. By recognizing the problems, YOU are supporting the Republicans in their war against allowing minorities to have healthcare. The editors here should be ashamed of themselves.

    You sir, are a fucking idiot.

  19. Officials... by Bartles · · Score: 1

    ...have said a lot of things about the ACA and Healthcare.gov, the vast majority of which turned out to be false. I would not expect anything different now.

  20. Re:define "performing well" by mlw4428 · · Score: 1

    So you're proposing to pay for the increases in health insurance I've had to pay for over the last 10 years? By my approximation you owe me an additional $50,000 plus interest. So were you going to pay with cash, gold, silver, cashier's check, or money order?

  21. Re:/. has gone full right winger... by Anonymous Coward · · Score: 1

    Uhh.. sorry to break it to you, but the guy who left Dick Cheney's rollback of habeas corpus in place, has been killing thousands of women and children with flying killer robots, and defends the violation of the constitutional rights of hundreds of millions of Americans is a full-on right wing Republican by any other name. If you don't see that the core premise of "Obamacare" is to subsidize the profits of a bunch of private insurance companies with taxpayer money and make it illegal to not buy their products, you should try taking off your party blinders.

  22. Resolves as 127.0.0.1 everywhere outside the US? by wonkey_monkey · · Score: 1

    C:\>ping www.healthcare.gov

    Pinging bh.georedirector.akadns.net [127.0.0.1] with 32 bytes of data:

    --
    systemd is Roko's Basilisk.
  23. I tested it two weeks back by 140Mandak262Jamuna · · Score: 4, Informative
    It was already doing better. Since I knew I would not qualify for subsidy and already had employer provided insurance it was just a dry run. But still it worked mostly. Quite a few quibbles. Help opened a new tab and I did not realize I was on a different tab and spent a while looking for way out of the maze of helps and explanations. A few clickable links did not change the mouse pointer. But I was able to go all the way and compare the plans and prices and see that my employer is giving us gold coverage, and the cost was comparable. I was actually surprised by the "low" prices. Was expecting a sticker shock because "must take all comers", "no lifetime cap", "mental health coverage" etc. But not bad. Plans went from 600$ a month to 900$ a month for gold. So it was not bad even when there was this huge media frenzy.

    Basically all accounts created in the first week ten days must be abandoned and fresh account created. If you try to continue with the old account, it would retrieve an old incomplete corrupt data file and you are screwed. But start a new account, new email id, and it would be a breeze for most people. If you want to check your subsidy etc I heard there were trouble. Also heard that most troubled were older people unfamiliar with internet and web pages and were intimidated by all the new fangled terms and legalese.

    Two days back got an email saying, "why don't you try again?". I logged in opened a chat window and asked "williams" to cancel that account. He said dont bother it will time out and die by itself.

    --
    sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    1. Re:I tested it two weeks back by Bartles · · Score: 1

      Did you actually apply for enrollment, or were you just looking at the Kaiser estimates? In other words did you actually give them you income data, age, zip, SS number, and wait for the status email containing the pdf notifying you of your acceptance or rejection? Because only then are you allowed to actually look at plans, and only if you were accepted.

    2. Re:I tested it two weeks back by 140Mandak262Jamuna · · Score: 4, Insightful
      No. By that time, they have removed the restriction and allowed me to browse the plans, save the plans and compare the plans. Only thing was the prices shown were the "full retail" price and there was a nagging side bar that kept saying "your actual cost could be lower please complete this form", "click here" "please please please click here".

      The reason for the whole fiasco was they decided not to show the full retail price till people actually complete the eligibility because the politicians thought the sticker shock would be too much. That last minute change to hide the price till the income verification was done was the root cause of all problems. The income verification involves social security number, getting info from the hub etc etc. They could have rolled in income check and eligibility check even before the plan pricing was finalized. But that is all monday morning quarterbacking.

      One of the first thing they did was to just open it all up for comparison shopping to reduce the load of window shoppers. Even now I am not sure how well the subsidy eligibility portion of the site is working. But for straight up comparison of plans and pricing, you could do it anytime. This alone is going to change the landscape of medical plans for everyone. Many small companies, people with "trustable" friend/broker etc were all buying health insurance blind. Pricing was very opaque and plans were not comparable at all. Right now so many people are figuring how trustable their friendly neighborhood broker had been.

      Subsidy is nearly 100% at 32K income for a family of 4, sliding down to zero at 96K for a family of four. The median family income in USA is around 50K and around 75% of the people make less than 100K. Very few people with more than 100K were without health coverage prior to ACA/Obamacare. So vast majority of the 40 million Americans without healthcare would be eligible for subsidy. It is not going to be easy for the Republicans to roll back this program. No matter how bad the web site is, it would be impossible to go back to the bad old days of preexisting condition, "we will collect premium and cancel your policy if you get sick" health insurance company days.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    3. Re:I tested it two weeks back by Bartles · · Score: 1, Troll

      You realize that the estimates you were seeing are not accurate?

      I though one of the big reasons this law was passed is because we were spending too large a portion of GDP on Health Care. How does rigging the system so everyone's rates go up, adding a bunch of people who were already eligible for medicaid to medicaid, and offsetting a portion of the newer higher prices with taxpayer subsidies lower the portion of GDP we spend on healthcare?

      It sounds to me like the only thing we accomplished is giving health insurance companies access to tax revenues. I'm not thinking that will do much to control costs.

    4. Re:I tested it two weeks back by sonamchauhan · · Score: 1

      > Plans went from 600$ a month to 900$ a month for gold.

      Wow - that seems a lot. I live in Australia. Here private health insurance plans go for much cheaper - even when you factor out a rebate the Government provides for taking private insurance (i.e. a rebate for not using the public health system.)

      E.g.: http://www.frankhealthinsurance.com.au/quote
      --
      (Select zip code 2000)
      You're a family living in NSW with adults aged 35 and 32. Your Private Health Insurance Rebate tier is 'don't apply rebate'.
          -- Better Hospital and Some Extras with 50% Back = AU $244.40/month
          -- Best Hospital and Lots Extras with 50% Back = AU 359.20/month

    5. Re:I tested it two weeks back by blackraven14250 · · Score: 1

      On the website, anyone whois eligible for Medicare/aid is told they aren't eligible for health care plan subsidies and directed towards whichever they're eligible for.

    6. Re: I tested it two weeks back by Bartles · · Score: 1

      In fact if you are deemed to be too poor, you aren't allowed to shop for subsidized insurance on the exchange. Your only option for subsidized insurance is medicaid. That in my mind violates equal protection, and actually is somewhat evil.

    7. Re:I tested it two weeks back by Anonymous Coward · · Score: 0

      really ? ? ?
      600-900 bucks PER MONTH is 'not bad' ? ? ?
      that is about the amount i saw for myself, as well...
      600 bucks for SHIT coverage with 10-20 thousand deductible (meaning EVERYTHING short of a life-threatening illness comes out of our pockets)...
      my wife ? well, guess she is on her own... sorry, honey...

      *assuming* her quotes are about the same, that is 1/3 to 1/2 our take home pay for INSURANCE, NOT HEALTHCARE...

      AND the shit won't even help if i DO get sick; and WHAT do you think the odds are that if/when we DO get serious issues we get screwed and end up bankrupt anyway ? ? ?

      1/3 to 1/2 my TOTAL INCOME, GONE, and i will have shit for it...
      thank you, sir, may i please have another ! ! !

    8. Re: I tested it two weeks back by 140Mandak262Jamuna · · Score: 1

      But what about people who mistakenly believe they have a "better than platinum" policy for just 165$ a month, end up in a hospital, discover a whole encyclopedia Britannica of fine print, declare bankruptcy and saddle me with all the stranded cost in my insurance policy?

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    9. Re:I tested it two weeks back by 140Mandak262Jamuna · · Score: 1

      Nah, it was a gold plan. 1.5K deductible, 20-80 for another 1.5K. Total out of pocket maximum was 3K.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    10. Re: I tested it two weeks back by drinkypoo · · Score: 1

      What about those people is that health insurance is not health care.

      I hope that this is a step in the right direction, but that's all it is. Until we stop demanding that health care provide monetary profit, we're going to continue to have these problems. As if health weren't profit.

      --
      "You're right," Fisheye says. "I should have set it on 'whip' or 'chop.'"
    11. Re:I tested it two weeks back by Anonymous Coward · · Score: 0

      The reason for the whole fiasco was they decided not to show the full retail price till people actually complete the eligibility because the politicians thought the sticker shock would be too much. That last minute change to hide the price till the income verification was done was the root cause of all problems.

      Yes, but even with that reasoning the decision was still indefensibly stupid. Just ask for income and show the price, verify later. Or even show all the prices and income ranges to begin with.

      Right now so many people are figuring how trustable their friendly neighborhood broker had been.

      Yes. And let's just that for the past 15 years I'd been very lucky in that regard ;-)

    12. Re: I tested it two weeks back by 140Mandak262Jamuna · · Score: 1

      Some context for you Dinky. Bartles claimed he had better than platinum coverage for 165$ a month. Asked to state if his insurer ever actually paid out any claim, he turned very reticent. Many pointed out that there is 50-50 chance he would rake up bills thinking he had platinum coverage and then would be left holding the bag because his platinum level plan was all bogus. Caught him bad mouthing ACA here so brought up that thread.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    13. Re: I tested it two weeks back by Bartles · · Score: 1

      I love how all these experts seem to know more about my insurance than I do. I think I already posted it in a different thread, but here's a link to a description of my plan. http://www.ehealthinsurance.com/health-insurance-companies/dean-wisconsin/benefit-detail/?health-plan=699

    14. Re: I tested it two weeks back by 140Mandak262Jamuna · · Score: 1

      Did you ever file a large claim? Did they pay?

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    15. Re: I tested it two weeks back by Bartles · · Score: 1

      No, because I'm healthy. Interestingly, they are the only insurer that offers exchange plans in my county. Dean Care is pretty popular in WI, if they had a history of breaking the law and not paying, people would know about it.

    16. Re: I tested it two weeks back by Bartles · · Score: 1

      Interesting that you are now "reticent" to criticize the quality of my insurance, and have now moved the goalpost to whether it actually pays out.

    17. Re: I tested it two weeks back by 140Mandak262Jamuna · · Score: 1
      Please do check what happened to people who filed any claims, from that company.

      My brother is self employed and is in excellent healthy family. Just 600$ a moth. His friend started out ages ago at the same rate, but unfortunately got a chronic condition requiring lots of therapy. Not hospitalization or anything. The friend's premium is well over 1500$ before ACA. You are taking a big risk, if you ever have to file a claim, they might jack up your rates or cancel your policy outright. In the pre ACA era, with a preexisting condition you would have been devastated. It is because of that exposed risk your old policy was so cheap. They were planning to dump you the moment you file a claim or jack it up way beyond what ACA is asking you to pay.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
  24. Re:define "performing well" by Anonymous Coward · · Score: 0

    We've already had medical taxes, but they came in the form of income taxes for everyone to pay for the uninsured who were guaranteed benefits. About time they paid their fair share.

    I still think we should have had a single payer system, with perhaps an optional Rolls Royce version available to cover extras.

  25. Re:define "performing well" by ColdWetDog · · Score: 3, Insightful

    Oh stop it. You can go off into the wilds and stay away from the IRS, UPS, AT&T and likely the NSA. Very, very few people stay completely off the grid. If you want to have the benefits of civilization, then you have to pay for it. That said, the ACA isn't going to help (or hurt much), the entire system is screwed up six ways from Sunday, but if you want to have any chance of reasonable rates you have to spread the costs as far and as wide a possible.

    Perhaps there should be a way to opt out - you sign a form (and get branded, RFID'ed, tatooed or whatever) and you don't get to go to the ER. You don't get Police or Fire protection. You don't get mail. You can live your life in whatever rugged fantasy world you create for yourself. Goodluckwiththat.

    --
    Faster! Faster! Faster would be better!
  26. DoubleClick and Optimizely in use. by Animats · · Score: 2

    Watching the home page load, this shows up:
    [17:06:07.510] GET https://stats.g.doubleclick.net/dc.js [HTTP/1.1 304 Not Modified 40ms]
    [17:06:06.192] GET https://cdn.optimizely.com/js/166688199.js [HTTP/1.1 304 Not Modified 40ms]

    Hm.

    1. Re:DoubleClick and Optimizely in use. by Anonymous Coward · · Score: 0

      Yeah. I saw that too. WTF?

    2. Re:DoubleClick and Optimizely in use. by Anonymous Coward · · Score: 0

      Looks like they found a tool to combine and compress all of their javascript files so each client isn't making 35-40 HTTP requests to load a single page the first time. I'll bet it also caches well now. Looks to me like this was managed by someone who either didn't, or wasn't allowed to, build in the minimum of a month of additional testing and optimization this thing needed.

    3. Re:DoubleClick and Optimizely in use. by rev0lt · · Score: 1

      DoubleClick is ad-related: http://en.wikipedia.org/wiki/DoubleClick Optimizely is a javascript-based A/B testing platform, quite common these days

    4. Re:DoubleClick and Optimizely in use. by Animats · · Score: 4, Informative

      WTF?

      Optimizely is a complicated scheme for serving slightly different versions of a site to different people and seeing what that does to usage patterns. This allows testing different advertising approaches, or field-testing new versions of a site to a fraction of the user base. It's not inherently evil.

      DoubleClick code is being loaded because HealthCare.gov uses the Google Tag Manager. ("Tag" in this context means "web bug", not "hashtag".) Google Tag Manager is a system for managing sites that have so much web tracking that they need a management system to keep it all straight. The Tag Manager itself doesn't track anything; it just loads other code that does, based on an configuration stored on Google servers. Each tracking code source has its very own privacy policy and intrusiveness. HealthCare.gov is trying (at least for me) to load CrazyEgg, Google Analytics, Doubleclick, and ChartBeat. Which trackers are loaded is controlled by Google's config. Google generates a page of Javascript for each site and injects all the tracking code. This replaces the old approach of putting tracking code directly into web pages. Here's what it injects into Healthcare.gov. (Minified Javascript, not easy to read.)

      Google here has the power, should they decide to use it, to extract any data they want from any page or form in Healthcare.gov by downloading a suitable tracker. Whether you think this is evil depends on how much you trust Google.

    5. Re:DoubleClick and Optimizely in use. by sandytaru · · Score: 1

      AdBlock didn't catch anything. My little stop sign didn't have any numbers on it. So whatever they're using DoubleClick for, it's not to supply an advertisement that AdBlock could catch.

      --
      Occasionally living proof of the Ballmer peak.
    6. Re:DoubleClick and Optimizely in use. by Anonymous Coward · · Score: 0

      Not necessarily evil, merely mind-bendingly fucking retarded.

    7. Re:DoubleClick and Optimizely in use. by Animats · · Score: 1

      AdBlock didn't catch anything

      No ads are being loaded, just trackers. Abine's DoNotTrackPlus caught CrazyEgg, Google Analytics, Doubleclick, and ChartBeat, but not Google Tag Manager itself.

      If a site signs up for Google Tag Manager, it gets DoubleClick tracking whether the site owner wants it or not. Here's what DoubleClick knows about you.

      The Tag Manager system has a whole API for snooping on what the user is doing and sending the data back to Google or another server. "For example, you may want to fire a conversion tracking tag when a user clicks the Submit button". The tracker can also grab information from a form being submitted and send it to Google's tag manager server.

    8. Re:DoubleClick and Optimizely in use. by drinkypoo · · Score: 1

      Google here has the power, should they decide to use it, to extract any data they want from any page or form in Healthcare.gov by downloading a suitable tracker. Whether you think this is evil depends on how much you trust Google.

      At this point, I'm just wondering if Google will take over the government (Is that going to be Google Government, or Play Government?) or the government will take over google. Either way, most of us sign up for it willingly and it controls our lives. I personally balked at network statistics collection and google now, because I don't really need google to know what I'm doing now. Remember when we used to joke about google knowing where we were at all times, so that you could search for people? You really can do that with anyone who makes themselves dependent on Google Now, without any exaggeration. You can know where they are and what they are doing with just a few clicks.

      I hope Google takes over the government, because Google is a lot more efficient than the US Gov. Obviously there's serious down sides to that improvement of efficiency (is this where I invoke Godwin?) but at least it would be cheaper than what we have now.

      --
      "You're right," Fisheye says. "I should have set it on 'whip' or 'chop.'"
  27. Tried to Sign Up, Already Frustrated by thepainguy · · Score: 4, Informative

    So I'm in the process of trying to sign up for healthcare.gov. I'm already having problems, because it won't accept my e-mail address as my username, even though it would appear to fit the criteria.

    "The username is case sensitive. Choose a username that is 6-74 characters long and must contain a lowercase or capital letter, a number, or one of these symbols _.@/-"

    If they are having problems explaining the most basic things, I'm not hopeful.

    The site is also less secure for me because none of my standard, extremely secure, never before had a problem with them passwords will work for it. That will force me to write it down, making the site inherently less secure.

    5 Minutes later...

    LOL. What an absolute piece of garbage of a web site. I tried to change my username to just the username of my email address and the site says it's invalid. It should be valid based on the instructions, but no joy. If they actually want the username to contain a number, then that's a joke; it's something I've never seen before on ANY website EVER.

    WHO LAID OUT THE REQUIREMENTS FOR THIS SITE? JOE BIDEN? HAVE THEY NEVER EVEN USED THE INTERNET?

    When sites come up with new, unusual standards for usernames and passwords (e.g. must contain a %, *, or ^), then they are making the site less secure because they are increasing the odds that people will have to write down their usernames and passwords.

    1. Re:Tried to Sign Up, Already Frustrated by artor3 · · Score: 3, Informative

      it won't accept my e-mail address as my username, even though it would appear to fit the criteria.

      "The username is case sensitive. Choose a username that is 6-74 characters long and must contain a lowercase or capital letter, a number, or one of these symbols _.@/-"

      If they are having problems explaining the most basic things, I'm not hopeful.

      It looks like the period is the invalid character. Interestingly, having a period in the username gives a different error message than the one used for any other invalid character. I'm guessing they're scanning the string in two separate places, and forgot to remove the one that doesn't like periods.

      When sites come up with new, unusual standards for usernames and passwords (e.g. must contain a %, *, or ^), then they are making the site less secure because they are increasing the odds that people will have to write down their usernames and passwords.

      What are you talking about? The site doesn't require you to use special characters in your password. It just says 8-20 characters, containing one uppercase letter, one lowercase letter, and one number. That's pretty standard.

    2. Re:Tried to Sign Up, Already Frustrated by thepainguy · · Score: 1

      The password requirements state...

      "It can't contain your username or any of these characters = ? ( ) ‘ " / \ &"

      It just so happens that I use one of those characters in my standard secure password. I've never had a problem with that character before except for one site (which ironically is my bank, and which forces me to use a password that is less secure than my standard password due to its banning special characters.

      Seriously, all of these different password standards are a huge cause of security problems.

    3. Re:Tried to Sign Up, Already Frustrated by thepainguy · · Score: 1

      I've NEVER seen a site require a number in the username. How 1997 is that?

    4. Re:Tried to Sign Up, Already Frustrated by artor3 · · Score: 1

      That's very different from "must contain a %, *, or ^", which is what you said in your first post. Lots of sites have similar requirements.

      Why do you have a "standard secure password"? That's an oxymoron. If you're really concerned about security, you shouldn't be using the same password on multiple sites. Just get a password safe.

    5. Re:Tried to Sign Up, Already Frustrated by Anonymous Coward · · Score: 0

      my standard secure password

      *head explodes*

    6. Re:Tried to Sign Up, Already Frustrated by thepainguy · · Score: 1

      Sites that rule standards characters in or out are driving down security because all of the standards vary. Maybe that is by design, to prevent standard passwords, but the end result for 99% of the population isn't something that is more secure.

      In terms of standard passwords, I'd like to introduce you to the ordinary person who can't handle a different password for every site. I can't for sites that I don't regularly visit, like healthcare.gov.

    7. Re:Tried to Sign Up, Already Frustrated by thepainguy · · Score: 1

      Welcome to the real world where people can't remember different username and password combinations for different sites.
      Deal with it.

    8. Re:Tried to Sign Up, Already Frustrated by philip.paradis · · Score: 1

      It just so happens that I use one of those characters in my standard secure password.

      Why are you using the same password (or even very similar passwords) on multiple sites, especially for sites that involve sensitive personal healthcare and financial data? Are you aware that this very practice is the source of greatly increased rates of personal information compromise and identity theft, as compromising one set of credentials makes it much easier to access other systems? Further, are you aware that you're rolling the dice every time you create an account anywhere when it comes to whether the password you supply will even be properly hashed? Have you managed to entirely miss the nastier cases involving large organizations storing passwords in plaintext, or using deeply flawed hashing measures (outdated/weak algorithms, failing to use salt, etc) that fall to analysis within seconds?

      With practices like yours, why are you dispensing security advice?

      --
      Write failed: Broken pipe
    9. Re:Tried to Sign Up, Already Frustrated by thepainguy · · Score: 1

      Because I am a normal human being, not a programmer, and I can only remember so many username and password combinations.

      P.S. I am trying to distribute insight into how ordinary people think and work. Based on comments like yours, that is something that seems to be sorely needed.

    10. Re:Tried to Sign Up, Already Frustrated by philip.paradis · · Score: 1

      Based on comments like yours, you're not not a normal human being. You are a lazy human being. Normal people might ask "gee, how might I solve this problem?" Instead, you're adopting the "oh no, it's too hard" attitude.

      I've been working with normal people who manage to memorize multiple passwords for fifteen years. They aren't programmers, either, although some people are naturally better at this than others. For those who have a lot of passwords to manage, there are a wealth of options available, including things like KeepPass, Password Safe, and many others. There are "local only" options, online options, portable options, etc.

      Again, your fundamental problem is that you're lazy, and you're encouraging others to be lazy and adopt terrible security practices. Stop dispensing security advice, and stop attempting to speak for what others can or can't handle.

      --
      Write failed: Broken pipe
    11. Re:Tried to Sign Up, Already Frustrated by Anonymous Coward · · Score: 0

      KeePass
      Deal with it.

    12. Re:Tried to Sign Up, Already Frustrated by aardvarkjoe · · Score: 1

      I can't for sites that I don't regularly visit, like healthcare.gov.

      My grandmother uses a password safe, and she still talks about "downloading the facebook." If you can post to slashdot, you can use a password safe.

      --

      How can we continue to believe in a just universe and freedom to eat crackers if we have no ale?
    13. Re:Tried to Sign Up, Already Frustrated by thepainguy · · Score: 1

      When in doubt, blame the user and not the system.

      Pretty standard.

    14. Re:Tried to Sign Up, Already Frustrated by thepainguy · · Score: 1

      Oh, and I'm not dispensing security advice. I'm telling you what's going on in the real world. Whether you listen or not is your choice, but it doesn't change anything.

    15. Re:Tried to Sign Up, Already Frustrated by philip.paradis · · Score: 1

      Oh, the real world? Would that be the real world where multiple floors worth of offices at a company have employees using sound password management practices, frequently utilizing tools just like the ones I and others have pointed out?

      Listen to yourself. You're trying to cover up for your own inability to take simple information security measures with baseless appeals to your imaginary view of what the world is like. You are dispensing security advice by attempting to continue to push that view, essentially making the case that it's perfectly normal and reasonable to continue doing stupid things because, hey, you do those stupid things.

      Maybe the people around you share your attitude, but I assure you it isn't universal. So now you have a choice: either continue being ignorant and lazy, or do something useful with yourself and help those around you as well.

      --
      Write failed: Broken pipe
    16. Re:Tried to Sign Up, Already Frustrated by thepainguy · · Score: 1

      You are out of touch with reality. It's awesome that your company is so enlightened, but I've worked as a consultant at many many places and I know what things look like in the trenches.

    17. Re:Tried to Sign Up, Already Frustrated by 140Mandak262Jamuna · · Score: 1

      I used firstname.middlename.lastname as the user id and it accepted it. Password requirements were not too strange. I used one capital letter, one numeral and one special character, all other letters were lowercase. Looks like you are exaggerating a little.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    18. Re:Tried to Sign Up, Already Frustrated by 140Mandak262Jamuna · · Score: 2

      So you ignored what the website told you, decided to use a password that meets your idea of what a secure password should be and you are shouting in all caps about how bad the site was. Then you admit there are vaunted private sector banks which use worse password rules. Is it possible you were a little biased?

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    19. Re:Tried to Sign Up, Already Frustrated by philip.paradis · · Score: 1

      A consultant, eh? I've run a consulting firm of my own. I'm not talking about my company in particular, either. Instead, I'm referring to the great many places I've seen both good and bad password management practices being employed. The difference between us in reference to the latter case is the fact that I've helped people find simple tools that would solve simple problems like these, thus preventing further issues down the road.

      It's disturbing that you would attempt to use your work history as a consultant to reinforce (yet again) acceptance of bad information security practices. Perhaps your clients needed someone a bit more informed to help those in the trenches, and it makes me wonder what other bad practices you've spread around over the years.

      --
      Write failed: Broken pipe
    20. Re:Tried to Sign Up, Already Frustrated by Anonymous Coward · · Score: 0

      What you said was oxymoronic, you oxymoron.

    21. Re:Tried to Sign Up, Already Frustrated by artor3 · · Score: 1

      In terms of standard passwords, I'd like to introduce you to the ordinary person who can't handle a different password for every site. I can't for sites that I don't regularly visit, like healthcare.gov.

      Okay, since you're saying that, I'm guessing that you're just unaware of how user-friendly password safes are these days. Go download KeePass. Create a single, very strong password. I use a full sentence with a few misspellings and inserted special characters, so it's easy to remember. Generate a password file, and stick it in Dropbox, or whatever service you like, to sync it between all your computers and (if applicable) your phone.

      It will generate random passwords like "2YWD+aV8d#MWKq5j3_Gl" for you, based on whatever criteria you tell it to use, store them securely along with your username and the website's URL. Just click the stored link, and then hit CTRL-V to have it enter your credentials into the website. It even clears the clipboard afterwards for you. It really couldn't be easier.

      I've got multiple family members, including my 98 year old WWII veteran grandpa, using password safes. I don't even want to argue that the Obamacare website isn't still buggy (the period in the username thing proves that it is). But if you care about online security, you'd really be doing yourself a favor by using a password safe.

    22. Re:Tried to Sign Up, Already Frustrated by Anonymous Coward · · Score: 0

      OMG you can't use your email as your username???? Quick, REPEAL OBAMACARE!!!

    23. Re:Tried to Sign Up, Already Frustrated by Tetetrasaurus · · Score: 1

      If all you guys have to complain about is you can't use your email address as your username, which by the way is the norm for most health care, bank, and credit card sites, I think that's a standing ovation of how good it is.

    24. Re:Tried to Sign Up, Already Frustrated by Anonymous Coward · · Score: 0

      Your username seems appropriate -- do you find that you get frustrated often? How does that make you feel?

    25. Re:Tried to Sign Up, Already Frustrated by volmtech · · Score: 1

      Most people will create an account at HOME. I will keep my written down username and password in the same non-secure filing cabinet I keep my tax and banking records. Actually I was keeping them on the back of an old envelope while I tried to get the site to work and wife tossed it in the trash while I went to the bathroom. Jokes on her, I used her name and our cats name as passwords. No one will ever think of that.

    26. Re:Tried to Sign Up, Already Frustrated by dwpro · · Score: 1

      No critique of your experience, but I recommend keepass. It's the only sane way to manage the the discrepant password mandates and change requirements across the bazillions of accounts I manage. Segment the passwords into different keystores if it suites you better.

      --
      Millions long for immortality who do not know what to do with themselves on a rainy Sunday afternoon. -- Susan Ertz
    27. Re:Tried to Sign Up, Already Frustrated by Anonymous Coward · · Score: 0

      LOL. What an absolute piece of garbage of a web site. I tried to change my username to just the username of my email address and the site says it's invalid. It should be valid based on the instructions, but no joy. If they actually want the username to contain a number, then that's a joke; it's something I've never seen before on ANY website EVER.

      Well, I've seen it, and lately it seems be becoming much more common.

      When sites come up with new, unusual standards for usernames and passwords (e.g. must contain a %, *, or ^), then they are making the site less secure because they are increasing the odds that people will have to write down their usernames and passwords.

      Totally agree. But if you pay attention to the patterns of user name and password requirements, it quickly becomes obvious that many managers that set these policies have no clue whatsoever about security, and are simply copying what others in their field have done. Thus stupid new requirements spread like infections.

    28. Re:Tried to Sign Up, Already Frustrated by isorox · · Score: 1

      The site is also less secure for me because none of my standard, extremely secure, never before had a problem with them passwords will work for it. That will force me to write it down, making the site inherently less secure.

      If you're reusing passwords, it's not secure.

      When sites come up with new, unusual standards for usernames and passwords (e.g. must contain a %, *, or ^), then they are making the site less secure because they are increasing the odds that people will have to write down their usernames and passwords.

      They will, and it will be far more secure than using "my5tr0ngP@$$w0rd!" that you reuse on other sites.

    29. Re:Tried to Sign Up, Already Frustrated by Anonymous Coward · · Score: 0

      When sites come up with new, unusual standards for usernames and passwords (e.g. must contain a %, *, or ^), then they are making the site less secure because they are increasing the odds that people will have to write down their usernames and passwords.

      Writing down passwords isn't problematic, if the paper is kept secure. Leaving the paper lying on your desk at work is a Bad Thing(tm), but leaving the paper in your wallet or in a drawer in your bedroom is pretty decent, it may be better since you can have a truly good password.

    30. Re:Tried to Sign Up, Already Frustrated by mcgrew · · Score: 1

      That will force me to write it down, making the site inherently less secure.

      Not if you keep it in a secure place, like where you keep your money and credit cards.

  28. Re:Resolves as 127.0.0.1 everywhere outside the US by gmueckl · · Score: 1

    Same here, strangely enough. Looks like a measure to avoid load caused by foreigners that got curious from all the bad reporting that this website got.

    --
    http://www.moonlight3d.eu/
  29. Re:define "performing well" by TooMuchToDo · · Score: 5, Informative

    Not only does every first world country other than the US have some sort of universal healthcare/single payer system, the US spends more than every other country for healthcare for a lower level of care/poor outcomes.

    USA! USA!

  30. How Much Would Obamacare Cost the First Family? by theodp · · Score: 1, Informative

    If one plugs the First Family's income and ages into the web-based DC Health Link Calculator, the annual health care cost estimates for the Obama household come out to be $20,125 (Bronze), $19,537 (Silver), and $21,902 (Gold), not a good deal at all when compared to the starting-at-under-$200-a-month family health coverage available to the President and Congress through the Federal Employees Health Benefits Program. By the way, if the Obama family members were 10 years older and their combined household income was reduced to $95,000, the estimated cost would be a staggering $26,339 (Bronze), $25,728 (Silver), and $29,021 (Gold).

    1. Re:How Much Would Obamacare Cost the First Family? by Anonymous Coward · · Score: 0

      The following four provisions, alone, would have provided substantially better than the health care reform achieved by the PPACA:

      (i) For licensed medical/dental/vision practices that employ doctors, nurses, physician assistants, or any other health care providing employee: when providing a service to an uninsured patient, the practice is required to charge no greater than the median or mean (whichever is lower) of the rates for that service that they typically allow health insurance companies to pay.

      (ii) Practices may not discriminate on the basis of insurance coverage (or lack thereof) when determining whether to offer services to and/or accept a particular patient.

      (iii) Open access to Medicare, with income-adjusted rates, for anyone who is denied a policy by an insurance company.

      (iv) Allow Medicare to negotiate rates on services and prescription drugs just like private insurers do.

      This would undo the insurance companies' stranglehold on access to basic preventative medical care (self-pay would be feasible) and access to care for non-life-threatening injuries (payable with savings, or via a private insurance policy, or via Medicare). Catastrophic accident/injury/disease/disorder polices would naturally emerge and be priced far lower than they are currently.

      The high-income market would suddenly find themselves actually able to pay for most day-to-day non-life-threatening events, the middle income market could choose between private insurance (for wider access) and Medicare (for lower premiums), and the low-income market would at least have access to a subsidized single-payer system to keep their heads above water and maintain the ability to work / earn income in the face of illness/injury. People who opt out of all of these would, in an emergency, be provided life-saving care just as they are today, but be billed at the rate Medicare pays (multiplied by an income adjustment factor).

      Currently, the uninsured are being charged $40 per pill for some drugs that insurance companies pay 40 cents per pill for. I'd think addressing this issue would be far more important than any kind of coverage mandate or subsidy to a private insurer.

    2. Re:How Much Would Obamacare Cost the First Family? by TubeSteak · · Score: 2

      You know how we could have avoided all this mess?
      Single-payer health care.

      Instead we're implementing a Plan B that Republicans have been actively working against at both the State and Federal levels.

      --
      [Fuck Beta]
      o0t!
    3. Re:How Much Would Obamacare Cost the First Family? by 140Mandak262Jamuna · · Score: 2

      Fudging the numbers a little? The opm site rates in DC for basic self is 200$ biweekly. For high family coverage it is 450$ from employee, another 450$ from the employer. Per pay period. There are 24 pay periods. The total premium works out to, surprise!, 21600$.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    4. Re:How Much Would Obamacare Cost the First Family? by sandytaru · · Score: 1

      Medicare for all would have been much simpler and much easier to understand AND to implement, but we can't have that now. Because that's socialism. Or anti-freedom, or something.

      --
      Occasionally living proof of the Ballmer peak.
    5. Re:How Much Would Obamacare Cost the First Family? by bwcbwc · · Score: 1

      Good point, except that the reduction in costs for the uninsured would be accompanied by a (smaller) increase in payments from the insurance companies and a corresponding increase in premiums. You're right that the whole "negotiated rate" thing from the insurance companies is code for "if you don't give us this low-ball rate, we won't put you in our network and our customers won't come to your office."

      --
      We are the 198 proof..
    6. Re:How Much Would Obamacare Cost the First Family? by phantomfive · · Score: 1

      You know how we could have avoided all this mess? Single-payer health care.

      I'm really interested in hearing your plan for transitioning to single-payer that isn't a mess. That isn't something easy, you know. You can't just wave the single-payer wand over everything and expect it to go well.

      --
      "First they came for the slanderers and i said nothing."
    7. Re:How Much Would Obamacare Cost the First Family? by Anonymous Coward · · Score: 0

      Uh, there are 26 pay periods (52 weeks / 2 = 26)

      Premium comes out to $23400, which is higher than the gold rate the idiot mentioned. (comparing family rates to self rates? either he is a moron or a malicious moron)

      Yes its nice to have the employer pick up part of the tab, but that is true for the private sector too.

    8. Re:How Much Would Obamacare Cost the First Family? by Anonymous Coward · · Score: 0

      Point gladly taken. It seems the PPACA has had a similar effect on private insurance premiums -- I'd need a room full of economists to compare those two increases, but on the whole it seems to me that some sort of price correction in the private insurance market *has* to happen one way or another in order to expand access to care.

      IMHO, private insurance companies have been artificially lowering premiums over the last couple decades by kicking out everyone who even *looks* like they might get sick or need continuing care, by excluding and/or refusing to pay for treatment of things like major depression and maternity care, and even requiring "prior authorization" for prescription drugs that were prescribed during a visit started in the ER (where it's impossible to actually do that; I had this happen to me). From this initial set, expanding the insured pool is almost certain to cause premium increases.

    9. Re:How Much Would Obamacare Cost the First Family? by phantomfive · · Score: 1

      Looking at your link (this one), it says the monthly premium for Bronze is $1161, but the annual total cost is $20,125. How does that work?

      --
      "First they came for the slanderers and i said nothing."
    10. Re:How Much Would Obamacare Cost the First Family? by Anonymous Coward · · Score: 0

      I'd think it'd need to be done in stages -- start widening access to Medicaid and Medicare, making it available (e.g. for an income-adjusted monthly cost, initially) to anyone who's been denied a private insurance policy, or for additional age/income brackets around the currently-allowed ones. Let the single-payer system negotiate with providers like a private insurance company, and produce documented and substantial cost-savings/efficiency.

      As the single-payer pool inevitably grows, start folding premiums in to the base income tax (perhaps with partial refunds or credits for the remaining set of people who have private insurance). Watch as people become comfortable with single-payer care for routine/non-life-threatening conditions, and insurance companies readjust their policies toward catastrophic/life-threatening scenarios.

      I'm confident that people, when given a chance to use single-payer health care, will stop arguing against it based on theory, and start deciding based upon their own experience and actually-existing facts. The lack of a surprise explanation-of-benefits and clinic bill, for me, would alone be worth the switch.

    11. Re:How Much Would Obamacare Cost the First Family? by Anonymous Coward · · Score: 0

      A Plan B that they all, oddly enough, seemed to support (and even literally enacted) before Barack Obama was elected.

    12. Re:How Much Would Obamacare Cost the First Family? by Tetetrasaurus · · Score: 1

      Seeing as most every other first-world country in the world has waved that very wand, probably wouldn't be too hard for us to do, don't you think? Or do you think we are less capable than other countries?

    13. Re:How Much Would Obamacare Cost the First Family? by gnu-sucks · · Score: 0

      Let them eat Obamacare

      http://www.investors.com/image/RAMclr-101713_CLR.jpg.cms

      (Michael Ramirez is the most awesome cartoonist ever)

      His other stuff:
      http://www.investors.com/editorial-cartoons/michael-ramirez/

    14. Re:How Much Would Obamacare Cost the First Family? by phantomfive · · Score: 1

      You think that most other first-world countries in the world waved a wand and it worked, just like that? You don't think their healthcare programs grew and changed over decades?

      --
      "First they came for the slanderers and i said nothing."
    15. Re:How Much Would Obamacare Cost the First Family? by Anonymous Coward · · Score: 1

      Medicare is already in place and one of the most efficient govt. agencies. They set the rules, procedures, standards, and price structures for most of the medical world. Expand Medicare to cover ALL US citizens.

    16. Re:How Much Would Obamacare Cost the First Family? by Tetetrasaurus · · Score: 1

      I see you don't share the "can do" attitude that makes our country great, so much so you think we can't even do what every other major country has done, much less do it much better, which apparently with your low opinion of our country, you don't think is possible.

    17. Re:How Much Would Obamacare Cost the First Family? by phantomfive · · Score: 2

      I see you don't have an understanding of the difficulties of a healthcare system, and somehow think that if you have a good attitude, everything will be alright.

      With that viewpoint, you'll make it far in an imaginary world.

      --
      "First they came for the slanderers and i said nothing."
    18. Re:How Much Would Obamacare Cost the First Family? by Tetetrasaurus · · Score: 1

      I think your unpatriotic vitriol should get you a visit from those who dedicate their lives to provide you the freedom to spread such drivel. Love it or leave it.

    19. Re:How Much Would Obamacare Cost the First Family? by theodp · · Score: 1

      Check out the GEHA HSA Family Coverage. Just $116 bi-weekly AND the government kicks back $1500 of it annually into your HSA. Includes dental, 100% unlimited preventive care, and only $3,000 deductible for medical. Pretty good deal, unless I'm missing something. :-)

    20. Re:How Much Would Obamacare Cost the First Family? by theodp · · Score: 1

      Total annual cost, the site explains includes "annual total out-of-pocket spending (which includes premiums, co-insurance and co-payments) for average use of health services." According to Bloomberg, "Bronze plans, the cheapest and least generous, are designed to cover about 60 percent of medical costs and carry higher deductibles," resulting in additional expenses which can reach $12,700 per family.

    21. Re:How Much Would Obamacare Cost the First Family? by phantomfive · · Score: 1

      I think your unpatriotic vitriol should get you a visit from those who dedicate their lives to provide you the freedom to spread such drivel.

      It already has.

      --
      "First they came for the slanderers and i said nothing."
    22. Re:How Much Would Obamacare Cost the First Family? by phantomfive · · Score: 1

      Thanks for the info.

      But wow, it's hard to believe that average out-of-pocket spending is that high. I figured most people went to the doctor a lot less than that.

      --
      "First they came for the slanderers and i said nothing."
    23. Re:How Much Would Obamacare Cost the First Family? by Tetetrasaurus · · Score: 1

      And you're still spewing the same hate? Evidently you don't learn your lesson. Keep it up. You will.

    24. Re:How Much Would Obamacare Cost the First Family? by theodp · · Score: 1

      Forget about the gravely ill and injured - just those who age normally or get pregnant will see enough doctors to keep the average up despite no-medical-bill slackards like you. :-)

    25. Re:How Much Would Obamacare Cost the First Family? by phantomfive · · Score: 1

      You're the weirdest person I've ever talked to on Slashdot. Really.

      --
      "First they came for the slanderers and i said nothing."
    26. Re:How Much Would Obamacare Cost the First Family? by Tetetrasaurus · · Score: 1

      Now you resort to ad hominem, when you've got no other nonsense to spew? That's pretty lame, but honestly, given what you've been saying, I'm really not surprised.

    27. Re:How Much Would Obamacare Cost the First Family? by phantomfive · · Score: 1

      Now you resort to ad hominem, when you've got no other nonsense to spew?

      Go take a logic class, that wasn't ad hominem.

      It was abuse.

      --
      "First they came for the slanderers and i said nothing."
    28. Re:How Much Would Obamacare Cost the First Family? by Anonymous Coward · · Score: 0

      You need to learn your history (especially recent history)

      You mean the "Plan B" that had absolutely no Republican input (they were locked out of the committee rooms)

      "Plan B" came from scared Democrats who knew it would never happen and even then they need to bribe the last 12 or so because even Democrats were going to vote against if it weren't for the last-minutes closed door deals (remember it was all going to be open and on C-SPAN?) and most of those Dem Senators that took the bribes lost their re-elections to either Reps or other Dems. (some of which ran on un-doing the ACA, one Dem even put a Rifle round through it in their campaign ads) and that was just the Senate, they lost the House big time after that. (and haven't been able to get it back since)

      Republicans had nothing to with the ACA, Dems had total control of the whole govt. at the time (House, Senate, and White House)

      The entire ACA/ObamaCare was/is/and will be a DEMOCRAT/LIBERAL caused problem! Republicans/Conservatives had NOTHING TO DO WITH IT!

    29. Re:How Much Would Obamacare Cost the First Family? by Tetetrasaurus · · Score: 1

      If you're seriously at the sad point of just wanting the last word, please, go for it. Embarrass yourself further. Take care.

    30. Re:How Much Would Obamacare Cost the First Family? by phantomfive · · Score: 1

      heh

      --
      "First they came for the slanderers and i said nothing."
    31. Re:How Much Would Obamacare Cost the First Family? by TubeSteak · · Score: 1

      You mean the "Plan B" that had absolutely no Republican input (they were locked out of the committee rooms)

      Plan A was a single payer system.
      The most generous way to describe the Republican position on Plan B (the individual mandate) is that they were for it before they were against it.

      Assuring Affordable Health Care for All Americans October 1, 1989
      http://www.heritage.org/research/lecture/assuring-affordable-health-care-for-all-americans

      Obamacare's hidden parentage
      http://www.economist.com/blogs/graphicdetail/2013/10/daily-chart-1

      Timeline of the health care law
      http://www.cnn.com/2012/06/28/politics/supreme-court-health-timeline

      A healthcare history lesson for the GOP
      http://articles.latimes.com/2013/oct/15/opinion/la-oe-mansbridge-obamacare-democrats-single-payer-20131015

      The entire ACA/ObamaCare was/is/and will be a DEMOCRAT/LIBERAL caused problem! Republicans/Conservatives had NOTHING TO DO WITH IT!

      You can have your own opinion, but you can't have your own facts.
      The legislative and ideological history of the law is out there for you to read.
      You must have slept through a year of headlines and negotiations to have such a poor grasp of the what happened with the law.

      --
      [Fuck Beta]
      o0t!
    32. Re:How Much Would Obamacare Cost the First Family? by Anonymous Coward · · Score: 0

      Assuring Affordable Health Care for All Americans October 1, 1989
      http://www.heritage.org/research/lecture/assuring-affordable-health-care-for-all-americans

      You mean the event titled "Health Care for the Poor and Underserved." So why did the Democrats do a one-size fits all for the whole country instead of expanding Medicare/Medicaid? And I don't see how something from 1989 has anything to do with the previous Democrat-Controlled Congress in 2009-2010 session years.

      Obamacare's hidden parentage
      http://www.economist.com/blogs/graphicdetail/2013/10/daily-chart-1

      In other news the word "the" is also found a large percentage of documents when cross-referenced. (That's really grasping at straws cherry-picking random words/ideas from "any" bill/topic, like "Nursing home transparency" being used in the chart on the page you linked to)

      Timeline of the health care law
      http://www.cnn.com/2012/06/28/politics/supreme-court-health-timeline

      Your own link proves the opposite since the Dates mentioned when the ACA was passed was under "Democrat" control of congress. (You just proved my point)

      A healthcare history lesson for the GOP
      http://articles.latimes.com/2013/oct/15/opinion/la-oe-mansbridge-obamacare-democrats-single-payer-20131015

      I'm not sure what this article was getting at but it was way after the ACA was passed and after Democrats lost control in the house.

      The entire ACA/ObamaCare was/is/and will be a DEMOCRAT/LIBERAL caused problem! Republicans/Conservatives had NOTHING TO DO WITH IT!

      No need to repeat here.

      You can have your own opinion, but you can't have your own facts.
      The legislative and ideological history of the law is out there for you to read.
      You must have slept through a year of headlines and negotiations to have such a poor grasp of the what happened with the law.

      And you have yours but your "facts" did not address the majority of my Opinion (most were from way before or way after it's passage and have nothing to do with it when it was done)

      Name one Republican who voted for the "Current" bill when it was passed.

      Name one Republican who wrote any of the law/amendments when it was being drafted 09-10. (Dems held them in backrooms in the middle of the night after they went home, sounds real honest of them doesn't it?)

      It was DEMOCRATS who wrote and passed the current law when they had a super-majority. Passed under the most corrupt practices ever seen (bribes, backroom last-minute deals to even their "own" party, labor unions/lobbyists/obama/democrat BFFs getting exemptions,etc...) They even argued before the Supreme Court that it was not a tax at the same time telling the justices that they had the authority under the tax laws since it was a tax (they even called them out on it a few times)

      This law would have "NEVER" passed in the first place from even Democrats if they went around saying what they are now about the details. (which is why it should be repealed and the whole thing started over from scratch with an honest debate by both parties)

    33. Re:How Much Would Obamacare Cost the First Family? by 140Mandak262Jamuna · · Score: 1

      Again this is just the employee portion of the premium. Typically employer pays 80% of the premium. I am not able to find the actual percentage in that site.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    34. Re:How Much Would Obamacare Cost the First Family? by theodp · · Score: 1

      Government kicks in $755 a month, for a toal of $1006. But ultimately you can't ignore what real individuals pay, as Congress is learning as employees threaten to quit government work if they have to buy their own insurance through government exchanges. Older workers were shocked to learn that this means paying 3x-4x their old premium contribution. While Obamacare does bring affordable coverage to those with limited income, the so-called "good deals" may be financially crippling to those whose incomes make them exempt for subsidiaries (starting at about $45K for individuals) if they have to purchase their own insurance through the exchanges. Adding insult to financial injury, a younger billionaire could pay a lower premium that's less than half the cost paid by someone older who makes $45K.

    35. Re:How Much Would Obamacare Cost the First Family? by 140Mandak262Jamuna · · Score: 1
      You seem to be working too hard to misunderstand things. The premium shoots up 3X to 4X not because they are forced to use this network over the other network. It shoot up because Congress wrote the law to take away the employer contribution. If the employer contribution is taken away it shoots up 6X (165$ to 1006$) in the old system. And if some employer suddenly decides to not to pay a portion he/she used to, the employees will be upset, government or not.

      This level of misunderstanding and misstatements has to be deliberate.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
  31. Re:define "performing well" by Anonymous Coward · · Score: 0

    I'm interested in your theories. I have a deadly cancer treated successfully in the US, all paid for by private insurance with nearly no wait times on any treatments or anything ever denied.

    Which of these other countries do you speak of that I would have gotten better treatment or a better outcome?

    Reality doesn't seem to match your rhetoric.

  32. FU by Anonymous Coward · · Score: 0

    FU in spades.

    QED

  33. Not for me just now by Anonymous Coward · · Score: 0

    Well, I just tried it out for the third and final time and well, if you consider "working well" the same
    as calling a passed-out stoner as sober then it is working just fine dude.

  34. Re:define "performing well" by nbauman · · Score: 2

    Oh stop it. You can go off into the wilds and stay away from the IRS, UPS, AT&T and likely the NSA. Very, very few people stay completely off the grid. If you want to have the benefits of civilization, then you have to pay for it.

    Or as Adam Smith said, those who benefit from society have an obligation to pay for the costs of running society.

  35. Re:define "performing well" by nbauman · · Score: 2

    Are you completely sure that health care is slavery?

    War is peace.
    Ignorance is strength.

  36. Re:define "performing well" by Aighearach · · Score: 5, Insightful

    Which of these other countries do you speak of that I would have gotten better treatment or a better outcome?

    In any modern developed country other than the US, you would have gotten similar treatment and since we know you responded well to treatment, you'd have the same outcome. Obviously you can't get a better outcome than successful treatment.

    For people without insurance, of course, the outcomes are often vastly different because in the US that means they'll likely have to delay treatment.

  37. UK by Anonymous Coward · · Score: 1

    My father was diagnosed with prostate cancer last year. Prognosis without treatment was 5 years tops. Was taken in to hospital a week later, had an operation to remove the cancer, had further treatment, support afterwards to make sure everything was working, and regular checks until he was finally given the all clear.

    Reality very much does match the rhetoric, it's just that you seemingly choose to ignore it.

  38. Re:define "performing well" by nbauman · · Score: 0

    So you're proposing to pay for the increases in health insurance I've had to pay for over the last 10 years? By my approximation you owe me an additional $50,000 plus interest. So were you going to pay with cash, gold, silver, cashier's check, or money order?

    You were paying twice as much as the Canadians did because we don't have a government-run health care system like the Canadians do.

    Send your bill to the insurance companies who overcharged you.

    Send your bill to the politicians who got campaign contributions from the insurance companies.

  39. Re:Resolves as 127.0.0.1 everywhere outside the US by SuperKendall · · Score: 1

    It resolves to e8132.dscb.akamaiedge.net (23.7.74.194) in the U.S. if you care to take a gander. Not to say it won't reject you when you get there via IP too.

    --
    "There is more worth loving than we have strength to love." - Brian Jay Stanley
  40. Re: define "performing well" by Anonymous Coward · · Score: 0

    France, England, Japan, Norway....shit even Cuba....adds up just fine

  41. Re:define "performing well" by Anonymous Coward · · Score: 0

    They are Obama is dealing this health care cost is all wrong though, he even admitted that obamacare will not decrease costs because it dose nothing to do decrease it. I have not gone to the hospital for 20 years, but when I'm forced to pay the health insurance tax (courts said it was a tax), then I'm going to the hospital as much as I can and needed to get my value out of it, so my money will not be used by someone else.

    Police and fire is paid by property taxes in most states, and you can avoid it by not owning a house. This is the first time you will be taxed for NOT doing something, and should not happen if the courts were not full of corrupt democrat judges.

  42. Where you paying the entire cost by sjbe · · Score: 5, Interesting

    At least not in my case. I was paying $165 for a better than platinum level plan.

    Were you paying the entire bill for that plan? Did you have a large deductible? Most people that get health insurance have a major portion of the tab picked up by their employer. They think they pay $165 or whatever their price is because they never see the actual full cost of the plan. I've spent a LOT of time looking at health insurance plans in recent years. I have NEVER seen anyone get a plan with that much in the way of features for that kind of price unless they were paying a huge deductible. I had a catastrophic coverage plan a few years ago that had a $5000 deductible but had pretty good coverage after that and the price was around $150/month. But that first $5000 was entirely on me.

    I run a manufacturing company. We provide health insurance for our employees and have picked up 50% of the cost. Our group rate for a pretty good 80/20 HMO with a zero deductible (roughly equivalent to a gold plan) cost about $525 per employee per month. Net cost to our employees is around $260/month since the company pays half. The plans we've found under the new regulations for the Affordable Care Act will give similar coverage for about $200-300/month (varies with age but always a lot less than current cost) or almost a 40% reduction in total premium over what we pay now. Furthermore a lot of our employees will qualify for subsidies so the coverage will cost even less.

    While this whole roll out has been a fiasco, at the end of the day the people who work for me are mostly going to end up with similar or better coverage for less money. Furthermore their coverage will not be tied to their employment with us which is LONG overdue. No one should EVER lose health coverage just because they lost a job.

    1. Re:Where you paying the entire cost by Bartles · · Score: 1

      Perhaps you don't understand what a better than platinum plan is. I buy individual insurance, I am not member of a group plan like your manufacturing company has.

    2. Re:Where you paying the entire cost by Anonymous Coward · · Score: 1

      I think you are full of crap (most likely) or haven't read the fine print in your "better than platinum" plan (more generously), as these seemingly inexpensive plans would have just use a rider to dump someone if they actually tried to use any services.

    3. Re:Where you paying the entire cost by Anonymous Coward · · Score: 0

      People keep talking about the subsidies like they are a great thing that will help everyone. I've look into how they work, and most who think it will help them will be shocked at how little it helps. Here is how it works:

      The subsidy is an income tax credit, not money handed to you.
      If you pay no income tax, you get NO subsidy. Those making below $17k will get NOTHING.
      The subsidies reduce based on income up to $43K, you make over $43k you will get NOTHING.
      Now the secret. The large majority of people earning below $30k pay nearly nothing in income tax (This all excludes SS/Medicare payroll taxes), so they will get NOTHING.
      By the time you are over $30k the subsidy is getting pretty small, maybe half the size of someone making $0 (who wouldn't get it anyways).
      So in order to get a subsidy your income has to be between $30k and $43k, but the closer to $30k the better you are, unless you have deductions like kids and a mortgage, where you pay nearly no income tax anyways.

      I had been wondering how they could afford all the subsidies they were promising, and I spent time looking it up. It turns out they will be much smaller than expected and going to far fewer people than expected. I'm guessing they are hoping no one figures this out until after next November.

    4. Re:Where you paying the entire cost by nctritech · · Score: 1

      You obviously didn't catch the "I am self-employed" part.

    5. Re:Where you paying the entire cost by 140Mandak262Jamuna · · Score: 2
      Have you actually filed any claims totaling more than 2000$ in any year? Did they pay? Without hassles?

      There are millions of people like you, who thought they had "platinum coverage", checked themselves into a hospital and ended up with more than 200K in bills. The insurance company would dredge up fine print and limit the total pay out to some small number leaving the policy holder holding the bag.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    6. Re:Where you paying the entire cost by Anonymous Coward · · Score: 0

      I have and they did.

      I love how all your Obama dick sucking morons think you know all there is about the healthcare industry and but don't know shit about me. You are all fucking control freaks and I hope you die a slow death from cancer.

    7. Re:Where you paying the entire cost by bwcbwc · · Score: 4, Informative

      In fact, this happened to my wife before we got married. She had "student insurance" at her college, but when she actually needed to use it for surgery, she found out she'd be on the hook for half the bill -about $10k almost 20 years ago. Fortunately she found out before actually scheduling the surgery. Since she's from Germany she was able to head home and get it done under the German "socialist" program. Bottom line under the old market was that you'd pay $800/month (at least in FL) for full/platinum-style insurance that actually provides the same level of coverage as a good employer plan. In most cases, if you were under private insurance, only a major medical/catastrophic policy makes sense -- true insurance rather than health-care funding.

      --
      We are the 198 proof..
    8. Re:Where you paying the entire cost by Anonymous Coward · · Score: 0

      He is not full of crap. I have a family of 3. Me (28), my wife (27), and our 1 year old daughter. We paid $620 for our entire family for a plan from a reputable insurance company with $1000 deductible per person (many services available before the deductible is met). We have never had problems with the insurance company paying out. I'm not sure what the cost was per person; I'm pretty sure my wife was more expensive than myself by a good bit. Probably enough so to make my cost in the $180 range. Starting January 1st, our plan is being "revised" to be about 1/3 as good as it is now, including much higher copays, $2500 deductibles, the works. If we want something even remotely close to what we had before, we're looking at close to $900/month. Interestingly, low deductible plans are almost impossible to find now!

    9. Re:Where you paying the entire cost by SumterLiving · · Score: 2

      "Obama dick sucking morons"? Can I use that statement sometime because it will settle a bunch of discussions at work, at the dinner table and in line at the grocery store. Best argument ever...or maybe not, but think if you keep using, you'll win every time...wink, wink.

    10. Re:Where you paying the entire cost by Bartles · · Score: 0

      Free student insurance is for when you have strep throat and need an antibiotic prescription, it is not for when you need surgery. If your wife had read the policy she would have realized this. She can read, right?

    11. Re:Where you paying the entire cost by Anonymous Coward · · Score: 0

      I'm sure you've been there done that. Feel free.

    12. Re:Where you paying the entire cost by Bing+Tsher+E · · Score: 1

      Just make sure you wipe off your chin before saying anything, dude.

    13. Re:Where you paying the entire cost by Anonymous Coward · · Score: 0

      In NC, individual rates are increasing across the board by about 50% under ObamaCare.

    14. Re:Where you paying the entire cost by Tetetrasaurus · · Score: 1

      Good argument for universal health care. Thanks!

    15. Re:Where you paying the entire cost by khallow · · Score: 1

      While this whole roll out has been a fiasco, at the end of the day the people who work for me are mostly going to end up with similar or better coverage for less money.

      Love that optimism. Unless you hire a lot of people with pre-existing medical conditions (there are businesses that do that by happenstance, such as campgrounds that require you to have your own RV - that's heavily weighted to an elderly population), I don't think that's going to be the case.

      Keep in mind that that insurance will also have to be purchased not just once, but for the rest of your employees' lives. Just because you might be right this year about a cost reduction, doesn't mean you'll be right in the years to come. I think instead you will end up being very wrong.

    16. Re:Where you paying the entire cost by jamstar7 · · Score: 1

      In NC, individual rates are increasing across the board by about 50% under ObamaCare.

      North Carolina refused the Medicaid expansion and federal funding for it, and spent the money the feds gave it to set up an exchange on something else. Typical red state. In fact, the ONLY red state to implement the Medicaid expansion AND provide an exchange is Kentucky, but they rebranded it as something other than Obamacare/ACA. Some red states just expanded the Medicaid coverage, like Arizona.

      --
      Understanding the scope of the problem is the first step on the path to true panic.
    17. Re:Where you paying the entire cost by Anonymous Coward · · Score: 0

      ok so if that is the case will I be getting a raise when I go into the ACA? I mean if my employer is paying me another 250$ a month to cover the money they were "paying me" before??

    18. Re:Where you paying the entire cost by 140Mandak262Jamuna · · Score: 1

      Looks like you have never filed a claim for an amount more than the premium you paid in any year. I suspect the "better than platinum" policy you are talking about is a myth, or you did not read the fine print, or you were sold a crappy policy by a trusted insurance agent. In a sane world, if you were not so consumed with anger towards the Democrats or Obama or the liberals or the progressives, you would be thanking your lucky stars or you favorite God for getting you out of that policy before you racked up thousands of dollars in hospital bills.

      --
      sed -e 's/Chuck Norris/Rajnikant/g' joke > fact
    19. Re:Where you paying the entire cost by Anonymous Coward · · Score: 0

      What's that? her insurance sucks? But every other one of your posts is how insurance is awesome and never fails to pay out and has no fine print.

      How can this be?

    20. Re:Where you paying the entire cost by Bartles · · Score: 1

      It's the Dean500 individual plan. Go ahead and look it up on DeanCare's website.

    21. Re:Where you paying the entire cost by Bartles · · Score: 1

      Another thought just occurred. If she had a copper level plan bought from the exchange she would still be responsible for more than 10k. So I don't really see how the ACA changes anything.

    22. Re:Where you paying the entire cost by Bartles · · Score: 1

      Here's a Ford Finto you can have for free. What? It exploded? Why didn't you shop around for a different car? Didn't you read the fine print that said there was an elevated risk for immolation?

    23. Re:Where you paying the entire cost by Bengie · · Score: 1

      My wife went to one of the top hospitals in the USA to get a specialized hormone level blood screening. A week later, got something in the mail saying it cost $5,000, but "this is not a bill". A month later, got a letter saying it was covered 100%.

      Another time she got an MRI for migraines. The doctor didn't recommend it as "needed", so the insurance company disputed it and only covered it 80% instead of 100%. No fuss.

      According to the "fine print", they had grounds to out-right not pay a penny for that MRI.

      Like our highly ranked nation education, our hospitals are also ranked high in the nation, so many people come from out of state to get the best care from us. The hospital system uses this money to help subsidize local citizens to keep prices down for us. We get the best of both worlds, cheaper prices and better care because the rest of the nation is too busy trying to cut costs by lowering quality, causing the richer population to flock to us for services. Just another situation where the opposite effect happens.

    24. Re:Where you paying the entire cost by sribe · · Score: 1

      I love how all your Obama dick sucking morons think you know all there is about the healthcare industry and but don't know shit about me. You are all fucking control freaks and I hope you die a slow death from cancer.

      And now that you have exposed yourself as an ignorant buffoon, we can all carry on safely with the assumption that you have no fucking idea what your insurance plan did not cover. Especially those of us who work in the medical industry and pay attention to this stuff as part of our jobs!

    25. Re:Where you paying the entire cost by Anonymous Coward · · Score: 0

      North Carolina refused the Medicaid expansion and federal funding for it, and spent the money the feds gave it to set up an exchange on something else.

      That has exactly what to do with rate hikes? Nothing really.

    26. Re:Where you paying the entire cost by jamstar7 · · Score: 1

      North Carolina refused the Medicaid expansion and federal funding for it, and spent the money the feds gave it to set up an exchange on something else.

      That has exactly what to do with rate hikes? Nothing really.

      Yes, actually. In blue states, rates are going down because the risk pools are expanding like they should. See California, for instance.

      --
      Understanding the scope of the problem is the first step on the path to true panic.
    27. Re:Where you paying the entire cost by Anonymous Coward · · Score: 0

      When you get an employer sponsored plan, the employees do not get to have subsidies.

  43. Re:define "performing well" by the+eric+conspiracy · · Score: 2

    Not to mention the 20% or so that have no coverage at all.

    Private healthcare FTW!!

  44. So what? by ChrisMaple · · Score: 1

    Mussolini got the trains to run on time. That the mechanisms of tyranny are working is not a good thing.

    --
    Contribute to civilization: ari.aynrand.org/donate
    1. Re:So what? by Anonymous Coward · · Score: 1

      That's a myth. He did not have shit to do with any trains or their relative punctuality.

  45. Re: define "performing well" by Anonymous Coward · · Score: 0

    He said his treatments were fully covered and that he had no problem accessing treatments. We have the best doctors in the world, so I'm not sure how any of those countries could be *better*. He's statistically more likely to have a worse experience in those countries.

  46. The damage is already done by Anonymous Coward · · Score: 1

    The brand is tainted, and the politicians who supported it suffered loss of confidence. The fact is the website itself was meaningless. The underlying statutes are the problem, and will continue to hound the democratic party for years.

    Write a bad law, pay the consequences.

  47. Re:define "performing well" by Anonymous Coward · · Score: 1

    Link
    Looks like in the UK I would not have gotten adjuvant treatment for my cancer, like I did in the US. The UK does not perform adjuvant treatment to melanoma surgery, period.

    So I guess that makes you a liar, unless you are claiming the UK is not a modern developed country. I bet you didn't know the above fact because it wasn't part of the talking points you keep reading. Those of use DEALING with healthcare actually have to deal with those "details" about actual treatments that might save our lives.

  48. Re:define "performing well" by Anonymous Coward · · Score: 0

    Fuck you, got mine.

    Well, that's nice and I'm happy for you, but you would have probably been fine anywhere. We're trying to figure out how to get people who can't afford private insurace to have successful outcomes, too, like all the other first world countries seem to manage to do.

  49. Re:Resolves as 127.0.0.1 everywhere outside the US by Anonymous Coward · · Score: 0

    Works in Canada.

  50. American greed killing people by Anonymous Coward · · Score: 0

    Hello,

    There is a huge amount of ignorance exhibited here, and I really expected better from slash dot readers.

    I am an expatriate Australian. Australia has had universal healthcare for 40 years. Everyone pays into Medicare, similar to the US Medicare tax, however it is not restricted by age. Why was it necessary to create the current behemoth of a website when the delivery system already existed?

    As for the various Republican shills here, wanting everyone to "die in the street" if they can't afford healthcare, just remember that you could be dying in the street in the future. And I for one would prefer you to get care, even when you can't afford it.

    1. Re:American greed killing people by PPH · · Score: 1

      Why was it necessary to create the current behemoth of a website when the delivery system already existed?

      Because health care in the USA involves more than 50 separate regulatory bodies and delivery bureaucracies. Health insurance has traditionally been regulated on the state level*. And the states and insurance companies refused to let go of this system. And then there's Medicare (and also Medicaid). Federal programs that are in many cases administrated by the individual states for the benefit of powerful special interest groups (the old and the poor). None of which wanted their little slice of privilege messed with.

      So we had a system with N government entities all involved in regulating and delivering health care dollars. Where N might be well over 100. All Obamacare did was to make that N+1.

      *One of the sales pitches of Obamacare was portability. But health care insurance isn't portable across state lines due to regulatory jurisdictions. One thing the ACA should have done was to throw every state insurance commission out of the health biz.

      --
      Have gnu, will travel.
    2. Re: American greed killing people by DigiShaman · · Score: 1

      State lines? I've been told it's not even portable across county lines!

      --
      Life is not for the lazy.
  51. Re:define "performing well" by DexterIsADog · · Score: 5, Insightful

    Slavery. Good one.

    If you don't want to participate in this society, don't. Sure, none of the civilized countries in Europe will take you, but maybe you can get into Rwanda. Then you can see firsthand what actual slavery looks like.

  52. My prices are 10x reduced by Anonymous Coward · · Score: 0

    I had some routine blood tests from LabCorp. The official price was about $1000. I paid about 100$ because I had insurance, even though the insurance didn't actually pay for anything (high deductible) - I just got to make use of their negotiated rate that was 1/10 of the official one. That's seriously messed up.

  53. Nope. by mosb1000 · · Score: 1

    Still not working for me.

  54. Re:define "performing well" by Anonymous Coward · · Score: 0

    Link
    Looks like in the UK I would not have gotten adjuvant treatment for my cancer, like I did in the US. The UK does not perform adjuvant treatment to melanoma surgery, period.

    So I guess that makes you a liar, unless you are claiming the UK is not a modern developed country. I bet you didn't know the above fact because it wasn't part of the talking points you keep reading. Those of use DEALING with healthcare actually have to deal with those "details" about actual treatments that might save our lives.

    The jury is still out on adjuvant treatments for malignant melanoma. More treatment does not always mean better treatment.

  55. Whittle's Rebuttal by smittyoneeach · · Score: 1

    A legitimate alternative to the ObamaCare insanity from Mr. Virtual President.

    --
    Get thee glass eyes, and, like a scurvy politician, seem to see things thou dost not.--King Lear
  56. Hey Americans! by Sigvatr · · Score: 1

    Just wanted to let you know that socialized healthcare has worked out great for the past several generations. Sincerely, the rest of the world. PS: We find your internal bickering over issues the rest of the world solved decades ago hilarious. Keep up the good work!

    1. Re:Hey Americans! by ABEND · · Score: 1

      The primary motivation against socialized healthcare in the U.S. is to maintain a state of decentralized power. We want our Federal Government to have less power not more power. When the U.S. Government has control over healthcare in the U.S. it will have significantly increased its power over a significant part of the U.S. economy. Add that power to the power of the U.S. military and the rest of the world may start thinking that maybe decentralized power in the U.S. looks like a pretty good idea.

      --
      In all seriousness:
  57. Re:define "performing well" by sumdumass · · Score: 1, Troll

    Or how about a way to opt in if you ever need to goto the ER and cannot pay. That is the most enraging portion of this law, it treats people as if they are guilty of a future crime and demands they make restitution before ever committing it. Just as you said, people without insurance will go to the ER and not be able to pay for it which most of the people without insurance have never done and probably will never do.

    So perhaps this entire pit of bullshit would be easier to swallow if the mandates were removed and people who actually do need insurance after the fact pays a penalty of some sort, they become enrolled. Most insurance companies will require a years wait before covering someone with a preexisting condition so make the penalty two years coverage payments and an obligation to keep the insurance for 5 consecutive years after. Then you will only have people who are in positions like you describe who are impacted by the laws. It is like only charging and convicting people of robbing banks when they actually do rob banks.

  58. Re:define "performing well" by sumdumass · · Score: 1

    Canada's government controlls the health care not some private company which is what Obamacare is. It would be different if you had to pay taxes and the government functioned, but for the first time since America was a colony of England, simply by being a citizen, you are forced by law to purchase something from a third party private company. Traditionally, this was only true if you participated in certain activities and had the options to not participate. Now the only way you can avoid participation is moving to another country and denouncing your citizenship or dieing.

  59. My Plan by SumterLiving · · Score: 2

    I had a non-group plan that just got canx. It cost me $15 a month, covered every known and unknown med procedure with no deductible or co-pay. Now my premiums have gone up to $256 a month because of all the Obama dick sucking morons. Or maybe I'm lying just to make sure the Tea Party can continue partying for another few years. Hope this post helps.

    1. Re:My Plan by samwichse · · Score: 1

      I've noticed a lot of these type of posts on every online news article that even mentions Obama.

      I've got very good employer health care coverage, and there are always a ton of posts saying something like: "My insurance premiums are going up from [unreasonably low number] to [high number] thanks to Obamacare." Either I and everyone else I've ever personally talked to is getting ripped off, or there are indeed a bunch of sock-puppets purposefully spreading disinformation.

  60. Re:define "performing well" by Anonymous Coward · · Score: 0

    That's because we're bombing every country for you. Whiny bitches. And where's the thank you card or a get well card? How rude.

  61. My brother.... by MAXOMENOS · · Score: 1

    ....used Healthcare.gov from Illinois and he reported that his experience was quick and painless.

  62. for a lower level of care/poor outcomes by csumpi · · Score: 1, Insightful

    You are just fucking kidding, right? You get better care at our emergency rooms than in intensive care anywhere else.

    Apparently you have missed the whole point of the ACA. Which was to make the best of the best health care we have here in the US available for a larger group of people.

  63. Insurance is the problem by Frankie70 · · Score: 1

    Typically, you insure against disaster/catastrophies. Having a cough or a cold or a minor injury is not a disaster.
    Home Insurance doesn't cover your day to day repair stuff.

    That's how medical insurance should be. Medical costs increase because a doctor now has staff to deal with the insurance bureaucracy and billing. And the doctor has to figure out what's covered not covered etc.

  64. First Family-Easy Solution by Anonymous Coward · · Score: 2

    In the USA we spend 8100 dollars per person in the USA for healthcare. Simple solution to save a lot of overhead money right off the top, one insurance for everyone that covers all needs paid on a sliding scale for anyone with under 100,000 income per family they pay one price. Everyone for 100,000 to 300,000 they pay another price, everyone with income over that gets screwed.

    That will dramatically right out of the gate reduce costs of healthcare since we spend nearly 30% on ADMINISTRATION. That is approximately 2733 of that 8200 dollars on overhead a large part of that is the INSURANCE COMPANIES!

    "An update of that analysis more than a decade later, after the diffusion of managed care and the widespread adoption of computerization, found that administration constituted some 30 percent of U.S. health-care costs and that the share of the health-care labor force comprising administrative (as opposed to care delivery) workers had grown 50 percent to constitute more than one of every four health-sector employees." --business week

    That's 1/3 less.

    Next offer free school for doctors in exchange for set prices on healthcare services for doctors that have above a 3.5 out of 4 average in college. That will greatly reduce the costs of services.

    Next put a cap on prices paid for hospital equipment. One buyer for all equipment buying in bulk and distributing it throughout the USA to hospitals and doctors offices. Equipment prices paid in the USA is crazy higher than other countries. That will save a ton of money.

    Next setup flat tax rate on all US sales no exceptions if you sell it in the USA you pay taxes on it simple as that across the board for everyone, kill the rest and that will save a ton of money on taxmen.

    Next stop fighting costly wars that we can't have a hope to win. That will save future 14 trillions paid and huge healthcare costs.

    That is just a start.... b52

  65. Nope, still not working for me by frnic · · Score: 1

    As of 11:30 Saturday, it was still not any faster and still doesn't complete for me. Took about 20 minutes to get all the way through for me and my wife. And at the very end after reviewing and signing, I get an error and it never verifies my ID. So, no change from last month ... yet.

    1. Re:Nope, still not working for me by bhmit1 · · Score: 1

      Same here, still waiting for my identity verification.

      Got all the way to the "verifying identity" step a week or two after launch and have been stuck there ever since. Sent in my drivers license and SSN scans and never heard back. All I received (before my ID had a chance to be verified) was a file called "IndentityProfingFailureNotice.pdf" (sic) that cannot be opened. It's been over a month waiting for them to check my credentials. Apparently I have a message according to a banner that I can close, but I don't see anywhere on the site to check messages.

      Unfortunately, since I applied during the initial rush, the phone number to the 3rd party credit reporting bureau was not taking any calls, and I'm not longer able to use that method to verify my identity. And I still question why the credit reporting bureau thought I had pets that I'd taken to a vet and a phone number on the other side of the state. Seems like they were mixing up my identity with someone else. (Yes I check my credit reports for identity theft, nothing there. And you can't report a bad security question to the bureaus, at least not that I can see.)

  66. Re: define "performing well" by paiute · · Score: 3, Insightful

    We have the best doctors in the world, so I'm not sure how any of those countries could be *better*.

    I would rather be seen by an average doctor early in my illness instead of a superstar doctor late into it.

    --
    If Slashdot were chemistry it would look like this:Cadaverine
  67. Firefox can't establish a connection to the server by Anonymous Coward · · Score: 0

    .. at www.healthcare.gov.

    'nuff said.

  68. If the site was broken because the law is flawed.. by Lendrick · · Score: 3, Insightful

    ...now that the site works, does that mean that the law isn't flawed? Or are the people who made that argument just going to backtrack now?

  69. seems speedy to me (in dialup terms) by Anonymous Coward · · Score: 0

    So to render the homepage, an average of a second seems reasonable? I did not post to a form to find out. What crap.

    httping healthcare.gov ...

    PING healthcare.gov:80 (healthcare.gov):
    connected to 23.78.167.205:80 (230 bytes), seq=0 time=1155.39 ms
    connected to 23.78.167.205:80 (230 bytes), seq=1 time=676.95 ms
    connected to 23.78.167.205:80 (230 bytes), seq=2 time=703.38 ms
    connected to 23.78.167.205:80 (230 bytes), seq=3 time=1265.81 ms
    connected to 23.78.167.205:80 (230 bytes), seq=4 time=1353.09 ms
    connected to 23.78.167.205:80 (230 bytes), seq=5 time=780.69 ms
    connected to 23.78.167.205:80 (230 bytes), seq=6 time=811.66 ms
    connected to 23.78.167.205:80 (230 bytes), seq=7 time=841.58 ms
    connected to 23.78.167.205:80 (230 bytes), seq=8 time=1117.90 ms ...

    --- healthcare.gov ping statistics ---
    9 connects, 9 ok, 0.00% failed, time 17277ms
    round-trip min/avg/max = 677.0/967.4/1353.1 ms

  70. Officials? by Anonymous Coward · · Score: 0

    You mean the same "officials" that said things like:

    "If you like your plan, you can keep your plan PERIOD!"

    "If you like your doctor, you can keep your doctor PERIOD!"

    "It will only cost $900B"

    "etc..."

  71. 500 million lines of code.. by Anonymous Coward · · Score: 0

    ..could never have been tested and debugged thoroughly in that amount of time.

    AND the government is running it.

    This program will never work. Ever.

  72. Re:define "performing well" by Anonymous Coward · · Score: 0

    I highly suggest you google "cancer survival rates in the UK"

  73. www.healthcare.gov just redirects to 127.0.0.1 by mal0rd · · Score: 1
    No wonder it's so fast.

    09:16:31> dig www.healthcare.gov @4.4.4.4
    ^C 09:18:15> dig www.healthcare.gov @8.8.8.8

    ; <<>> DiG 9.8.3-P1 <<>> www.healthcare.gov @8.8.8.8
    ;; global options: +cmd
    ;; Got answer:
    ;; ->>HEADER<<- opcode: QUERY, status: NOERROR, id: 8850
    ;; flags: qr rd ra; QUERY: 1, ANSWER: 3, AUTHORITY: 0, ADDITIONAL: 0

    ;; QUESTION SECTION:
    ;www.healthcare.gov. IN A

    ;; ANSWER SECTION:
    www.healthcare.gov. 28 IN CNAME www.geodirector.hc.gov.akadns.net.
    www.geodirector.hc.gov.akadns.net. 28 IN CNAME bh.georedirector.akadns.net.
    bh.georedirector.akadns.net. 11649 IN A 127.0.0.1

    ;; Query time: 47 msec
    ;; SERVER: 8.8.8.8#53(8.8.8.8)
    ;; WHEN: Sun Dec 1 09:18:17 2013
    ;; MSG SIZE rcvd: 130

    1. Re:www.healthcare.gov just redirects to 127.0.0.1 by shallot · · Score: 1

      I guess "bh" means black hole. I'm blackholed, too, when accessing it from outside of the US. It could be a poor man's DDoS protection method.

    2. Re:www.healthcare.gov just redirects to 127.0.0.1 by acoustix · · Score: 1

      I guess "bh" means black hole. I'm blackholed, too, when accessing it from outside of the US. It could be a poor man's DDoS protection method.

      So, Americans who are outside the country cannot sign up on the WORLD WIDE WEB?

      Yeah, I would say this is definitely a government project.

      --
      "A plan fiendishly clever in its intricacies"- Homer Simpson
  74. Re:Resolves as 127.0.0.1 everywhere outside the US by matthewv789 · · Score: 1

    For YOU it does, but that's the whole point of the Akamai "georedirector", is to find the nearest server TO YOU.

  75. In Soviet Slashdot! by Anonymous Coward · · Score: 0

    I love all the comments about knowing what I need and that my needs are meaningless in comparison to those of the many.

    In Soviet Slashdot, the website signs up you!

  76. Re:define "performing well" by Anonymous Coward · · Score: 0

    Not only that, other countries don't force you to purchase health insurance, force me to register on a website, then wonder what the hell I'm going to pay.

  77. Re:define "performing well" by jamstar7 · · Score: 1

    Oh stop it. You can go off into the wilds and stay away from the IRS, UPS, AT&T and likely the NSA. Very, very few people stay completely off the grid. If you want to have the benefits of civilization, then you have to pay for it.

    Or as Adam Smith said, those who benefit from society have an obligation to pay for the costs of running society.

    Tell that to the 1%. All they're interested in is buying politicians to make sure they keep getting federally mandated profits.

    --
    Understanding the scope of the problem is the first step on the path to true panic.
  78. If a private sector insurance salesman promised that, it would be called business as usual.

    --
    A house divided against itself cannot stand.
  79. Re:define "performing well" by cascadingstylesheet · · Score: 1

    Canada has more health care than Americans do

    Um ... what does that even mean? "More" "health care"?

    Measured in what? Nanoseconds? Furlongs?

  80. Excatly right by Anonymous Coward · · Score: 0

    Precisely.

    In a way the bad web site put off the death of Obamacare for 2 months because people kept thinking the problem is/was the poorly conceived web site.

    In fact, the problem is a poorly conceived plan.

  81. While India and China are racing to space ... by Anonymous Coward · · Score: 0

    ... the Americans are still mired with a dumbfucked website !

    Attaboy, America !

  82. Re:Resolves as 127.0.0.1 everywhere outside the US by Anonymous Coward · · Score: 0

    Is rejected:

    Invalid URL

    The requested URL "/", is invalid.
    Reference #9.9d23bc3.1385902992.d15aa6

    Though as an expat living in one of those dreaded socialist states, I just get my health insurance here.

  83. Re:Resolves as 127.0.0.1 everywhere outside the US by jez9999 · · Score: 1

    For me (in the UK) it resovles to 23.74.87.205, but the connection gets reset if I try to load the web page. Tried proxying through my US server, and the page loads. Looks like they don't want non-US IP addresses!

  84. I don't know about healthcare.gov by mark_reh · · Score: 1

    but I just got a letter from my insurance company that says that they will pay for only 4 of the 22 physical therapy visits my doctor requested. Thank GOD ALMIGHTY and PRAISE JESUS we don't have single payer healthcare in this country! I'd hate to have someone from the government standing between me and my doctor! I sleep much better at night (when my shoulder lets me) knowing that some accountant at the insurance company has MY best interest in mind and knows what is best for me.

    1. Re:I don't know about healthcare.gov by the+eric+conspiracy · · Score: 1

      Once you get to be 65 you will get to experience Medicare. It's the closest thing we have to single payer in the US. It does work pretty well.

      However they have coverage limits too. Stricter than many private plans.

      The fact is that there is no such thing as unlimited medical care on this Green Earth.

  85. Back to the original question by donheff · · Score: 1

    I logged on in the early days of October to disastrous effect. After multiple attempts and cache clearings I was able to register but could not progress very far. Now I am able to pull up and edit my application with no "serious" glitches. The site still throws up poorly designed pages, imposes goofy requirements, and loads slower than would be optimal. It does, however, appear to get the job done which is what counts in a critcal government service. Unfortunately, I don't actually qualify for ACA coverage so I was not able to test the critical identity verification process.

    1. Re:Back to the original question by MyHair · · Score: 1

      The site still throws up poorly designed pages, imposes goofy requirements, and loads slower than would be optimal. It does, however, appear to get the job done

      I'm sorry, are you talking about healthcare.gov or slashdot.org here?

  86. Re:define "performing well" by Anonymous Coward · · Score: 0

    I live near Cleveland, home of some of the very best and largest hospital systems in the United States. It is not uncommon to see Canadians down here, having driven down to Cleveland for medical care. These tend to be the wealthier Canadians, the ones who can afford for US-based medical insurance.

    Why do they buy US-based medical insurance and go to the hospitals here instead of the ones in Canada if the Canadian system of care is so exceptional and superior?

  87. As a Canadian... by iONiUM · · Score: 1

    I find the "OMGZ i have to get health insurance this is slavery!!!11!!" posts to be insane.

    Canada's health care isn't perfect, but I have never had to pay a dime for going to the doctor, hospital, or any operation (and I've had a few). I've never even thought about it. When I was kid, I just always assumed doctor's were free. In addition, I make "normal" (slightly above the national average) money, and I can afford a reasonable house, a normal car, etc. without more debt than just a mortgage. I am not a slave, my quality of life is high, and I have no complaints.

    So, what's the problem here? Why is there such an irrational fear to a health system that is obviously working in many other countries? Health care shouldn't be something you worry about because you can't afford it. That's a totally asinine approach to me.

    1. Re:As a Canadian... by Yosho · · Score: 1

      One thing you have to keep in mind is that this isn't health care, this is health care insurance.

      You pay the insurance company every month, and then if you need to go to the doctor or have an operation, you still have to pay for that, too. If you're lucky, the insurance company will cover some or most of it, but you'll still be paying. My wife had to have surgery earlier this year, and I'm on a fairly good insurance plan, but between all of the doctor's visits, tests, and the hospital stay and surgery itself, it easily cost us several hundred dollars. The insurance company covered several thousand, which is certainly nice, but it still wasn't cheap for us.

      Fortunately, her surgeon managed to convince the insurance company that it was a mandatory procedure. Insurance companies also frequently pay little or nothing for procedures or drugs that they consider optional. My wife also has a pill she takes to prevent debilitating migraines, which they consider optional, so we get to pay a pretty good amount for that. We can afford it, but a poorer family definitely would not be able to.

      Personally, I think having a health care system like Canada's would be great, but the ACA is far from that.

      --
      Karma: Terrifying (mostly affected by atrocities you've committed)
    2. Re:As a Canadian... by iONiUM · · Score: 1

      You are right, mostly. Canada actually has "insurance" as well, it's just that the health insurance is done provincially. For example, here is OHIP, which anyone who lives in Ontario will tell you, is our Ontario Health Insurance Plan: OHIP. And, I do pay for this every month as well, but it's indirect. It's through my income tax fees, which is much higher than in the US, and through our 13% HST tax.

      Our gov't health insurance also doesn't cover everything. For example optometrist visits and dental is not covered, nor are drugs. Typically these are augmented by company insurance plans. But you are right in that all required surgery/doctor appts/tests (i.e. non-elective), are covered, and there's no deductible. I wish ACA had of gone all the way, for the sake of the US citizens.

  88. I'm going to put on my Fox News hat here... by mark_reh · · Score: 1

    and ask a few questions regarding healthcare.gov:
    "Could it be that the problems with the site were made worse by hackers being paid to cause problems?"
    "Could it be the RNC and health insurance industries that paid those hackers?"

    I have no evidence- I'm just asking the questions...

  89. Re:define "performing well" by mark_reh · · Score: 1

    I get your point, but actually, in most states, if you want to drive a car you are forced to buy insurance. It's been that way for a loooong time.

    Of course, the insurance companies charge more for those most likely to use the insurance, and they routinely deny coverage to people, forcing high risk people to to buy from last-resort type insurers who charge an arm and a leg and provide little actual coverage, similar to what the health insurers have done.

    The original principle of pooling money to pay for claims was tossed out years ago when the insurance companies figured out they could make more money by keeping more of the pool for themselves by only insuring those who are unlikely to be filing claims and by redefining coverage limits.

    In theory obamacare addresses this, but in the end it will simply make the insurance companies richer and even more powerful (as in buying more congressmen and senators than they already own) because of tax payer funds being given to insurers to cover those who can't afford insurance at rates set by those same insurance companies. What a brilliant scam!

  90. Re:define "performing well" by hey! · · Score: 1

    Well, measured by what they spend, they get a whole lot less healthcare. Measured by outcomes, they've got measurably better health

    They've got slightly higher longevity figures (82 vs 79), expected years of healthy life (70 vs 67) and significantly lower infant mortality rates (4.27 per 1000 vs. 5.9), while at the same time spending LOTS less money (as of 2010, US: $8233 vs. Canada:$4,445). The per capita cost discrepancy is even more dramatic when you consider that at the time 17% of Americans had no insurance at all, and an unknown number more were under-insured with junk plans.

    So what the figures show is that Americans get more health care, Canadians get better health outcomes.

    --
    Post may contain irony: discontinue use if experiencing mood swings, nausea or elevated blood pressure.
  91. Citation needed by sjbe · · Score: 1

    Perhaps you don't understand what a better than platinum plan is. I buy individual insurance, I am not member of a group plan like your manufacturing company has.

    I understand perfectly well thanks but since you don't know me I'll overlook the condescending remark. Frankly, if you claim to be getting a "better than platinum" plan for $165/month without being a member of a group and with a deductible under $3000 I'm going to call bullshit unless you can provide some actual evidence. Even for a healthy 20 year old you simply cannot get a non-group plan for that kind of cash that will actually cover anything unless it has a huge deductible. Prove me wrong. What specific plan do you have with what insurance company? What specifically does it cover and what is the deductible?

    1. Re:Citation needed by Bartles · · Score: 1
      Individual plans cost less than group plans. Group plans are expensive for healthy people because they have to subsidize the non-healthy people in the plan. Here's my plan:

      http://www.ehealthinsurance.com/health-insurance-companies/dean-wisconsin/benefit-detail/?health-plan=699

  92. Already have the quotes by sjbe · · Score: 1

    Love that optimism.

    No optimism needed. I pay our bill each month right now so I know to the penny what we currently pay and I have gotten quotes directly from Blue Cross and Priority Health for what coverage they will get next year. The full cost of the plan *will* be less than it is now (by about half for most) and their out of pocket will in most cases be equal or less as well. This is not supposition on my part. I'm merely reporting what our company has experienced.

    Keep in mind that that insurance will also have to be purchased not just once, but for the rest of your employees' lives. Just because you might be right this year about a cost reduction, doesn't mean you'll be right in the years to come.

    Just like it always has been. Do you have a point to make you can back up with some actual facts or are you just chicken little-ing?

    1. Re:Already have the quotes by khallow · · Score: 1

      Do you have a point to make you can back up with some actual facts or are you just chicken little-ing?

      The health insurance subsidies pay all but a fixed percentage of the subject's income. So if health insurance for a policy doubles in cost, it still appears fixed in cost to the subsidized person buying the insurance. This is a huge inflationary dynamic that just got inserted into health care and it'll get worse when employer-based policies are subject to this new regulation next year.

      That's what happened with higher education in the US. A bunch of subsidized loans and financial aid programs created a market where prospective college students could borrow arbitrary amounts of money and were insulated for a time from the actual costs of their education. That resulted in higher education costs rising several times faster than inflation in other parts of the economy.

      So what happens when the unsubsidized insurees see huge cost increases in their health insurance and the federal government sees huge cost increases from health insurance subsidies? For the former, we see even more incentive to act in ways that shift cost to others, such as deliberately earning less so that one can qualify for subsidies or dropping health insurance altogether until its need is perceived.

      For the federal government, we'll see a huge incentive to push more people onto Medicare/Medicaid, because that is cheaper for the federal government. And then, incentive to reduce costs of the Medicare/Medicaid programs by reducing the services provided or the quality of the services provided.

      These are classic tragedy of the commons problems.

      No optimism needed. I pay our bill each month right now so I know to the penny what we currently pay and I have gotten quotes directly from Blue Cross and Priority Health for what coverage they will get next year. The full cost of the plan *will* be less than it is now (by about half for most) and their out of pocket will in most cases be equal or less as well. This is not supposition on my part. I'm merely reporting what our company has experienced.

      There is an obvious legal saying that applies here, "past performance is not necessarily indicative of future results". You may have as you claim saved a few pennies today. But in the process, medical care has via subsidized medical insurance become even more inflationary than it was.

      We still have yet to see the employer mandate kick in. I foresee that will result in a lot of people dropped from employer-based health insurance plans, particularly if the part time loophole isn't patched (that is, the tactic of employing enough people who work less than 30 hours so that the total number of people who work more than 30 hours is less than 50, a big Obamacare threshold).

  93. Why would any healthy person do this? by Plugh · · Score: 1

    The poor slobs now have to sell you health care EVEN IF YOU ALREADY HAVE AN EXPENSIVE CONDITION

    Now why, why would any more or less healthy person who is not expecting a baby sign up for health care? Pay the small fine, it's cheaper. Pay out-of-pocket for the one or two times you need to see a doctor or get a flu shot this year. It's still cheaper.

    And if you find out that you have cancer, a heart condition, or (like myself) a chronic condition like ulcerative colitis which is going to require tens of thousands of dollars' worth of health care every year to manage... well, THEN sign up, and get the Gold option, and laugh at the clueless corporate fucks in the insurance industry who thought that getting into bed with the government and forcing everyone to buy their product, would actually result in moar profit...

    1. Re:Why would any healthy person do this? by the+eric+conspiracy · · Score: 1

      You sign up because shit happens.

      I could make a long list, but let's just pick one example of something that actually happened to my wife. She was shopping in a supermarket one day, and stepped back on to a section of floor that had been used at one time for a display freezer chest. For some reason the support for that section of floor had been removed the previous day (I guess they were planning some kind of modification) and it fell in.

      My wife fell partially into the hole and got some pretty unpleasant injuries including a few broken bones. She was then taken to the hospital and treated for he injuries.

      We then sued the grocery store and recovered damages about a year later.

      If it weren't for health insurance we would have been out of pocket for some pretty substantial medical bills for that year. We might have had to take a loan to pay.

      Sure you can pay the fine. I don't care. But there are some things you might want to have insured, and health is one of them.

    2. Re:Why would any healthy person do this? by Plugh · · Score: 1

      You can get the health coverage *after* breaking the bones. You might have to pay for ambulance and the first day of treatment, but nothing after. Statistically, people who sign up before needing the insurance are ... innumerate.

    3. Re:Why would any healthy person do this? by the+eric+conspiracy · · Score: 1

      The first day of treatment was by far the most expensive. Like about 80%. There were two surgeries, diagnostic imaging and so forth. Getting medical coverage after the first day would have covered 2 days in the hospital and rehab from the broken arm/separated shoulder, but that's about it.

      Really I'd expect healthy young people would have most of their medical needs from accidents or pregnancies. You time to plan for the care for the latter, but not the former.

    4. Re:Why would any healthy person do this? by Anonymous Coward · · Score: 0

      We then sued the grocery store and recovered damages about a year later.

      Yes, well, now imagine a tort state, where after a car accident you (and your own insurance company, you'd better hope) are responsible for your own medical care until that day comes when you have the one and only chance to settle with the at-fault driver's insurance company, or, in the alternative have to sue them because they think this might be a case where they can get away without paying.

      Imagine carrying three years' of expenses for doctors, nerve tests, spinal surgery, injections, ablations, barbitages, MRIs, physical therapy, cognitive therapy, and on and on, then having to fight like hell to get reimbursed, and to get paid for a wild-ass estimate of future expenses. Imagine further that your own insurance company gets reimbursed out of your settlement before you do--as do the lawyers and expert witnesses. Imagine further that if the insurance company offers you, for example, a settlement of 1/4 of the medical expenses paid, and they then somehow convince a jury not to award you more than that, then you become personally responsible for paying their trial costs.

      Yep, that really happens, way more than you know. Currently three and a half years into it, depositions started, trial scheduled for next year...

      I should have a beer with Scott Adams. Our anger levels are currently rather similar.

    5. Re:Why would any healthy person do this? by ewieling · · Score: 1

      The fines go up over time by 2016, the penalty will be at the greater of 2.5% of taxable income or $695 per adult and $347.50 per child (up to $2,085 per family). After 2016 fines increase with inflation.

      --
      I really shouldn't have used someone else's email address for this account.
  94. Confused about the ACA hate by Cantankerous+Cur · · Score: 2

    I mean, I know we don't live in a particularly nice society. Heck, I just read an article about how much we distrust one another in the US. The fact is that society functions better if we try to take care of each other. Dog eat dog fails in the long term.

    Yeah, I get it. Some of you are paying more now. But how is that any different than paying more in taxes for road construction or schools? You may never drive on those roads or send children to those schools. However, you are investing in the infrastructure of our society. Likewise, with the healthcare, you are investing in the people that make this society possible. Investing in people means less sick people, less defaulting on loans (by those sick people), and ultimately, lower costs for all goods because labor becomes a bit cheaper by virtue of fewer sick people.

    For those of us that support the ACA, we're fighting against shortsightedness. This is better for society, period. Still, even if you are such a monster that can't see past your own wallet, this will benefit you directly. Albeit, in small ways that will never be the least bit obvious.

  95. Oh My God by Anonymous Coward · · Score: 0

    What are republicans going to complain about now?

  96. Still Broken by Anonymous Coward · · Score: 0

    Still broken for me...and the idiots on the live chat are not very helpful!!!!

  97. Re:If the site was broken because the law is flawe by Anonymous Coward · · Score: 0

    ...now that the site works, does that mean that the law isn't flawed? Or are the people who made that argument just going to backtrack now?

    I don't know, but that's a great hypothetical question. If these were actual people rather than straw men then I guess we'd eventually find out.

  98. healthcare web site by volmtech · · Score: 1

    I managed to set up an account. Halfway into entering my personal information it returned an error and suggested I try again in 30 minutes.

  99. Re:define "performing well" by nbauman · · Score: 1

    Oh stop it. You can go off into the wilds and stay away from the IRS, UPS, AT&T and likely the NSA. Very, very few people stay completely off the grid. If you want to have the benefits of civilization, then you have to pay for it.

    Or as Adam Smith said, those who benefit from society have an obligation to pay for the costs of running society.

    Tell that to the 1%. All they're interested in is buying politicians to make sure they keep getting federally mandated profits.

    There's more of us than there are of them. All we have to do is vote for politicians who will follow the interests of the citizens who elected them.

    Although we seem to have difficulty doing that. There appears to be something wrong with democracy.

  100. The US does NOT have the best health system by sjbe · · Score: 1

    You are just fucking kidding, right? You get better care at our emergency rooms than in intensive care anywhere else.

    The available facts do not support your argument. The US is paying way more money per capita than anyone else for worse outcomes than a large number of other countries. While there are areas where the US does lead the pack (particularly research and medical technology), the US does not have the best results for life expectancy, immunizations, or average cost of a hospital stay among other important categories. The data on outcomes simply does not support the assertion that the US has the best healthcare system because the US does not get the best results overall nor does it get the best results per dollar spent.

    1. Re:The US does NOT have the best health system by csumpi · · Score: 1

      Maybe you should talk to the Canadians who are dying to get down here for some cancer treatment. If the US health care is not much better, why would they want to do that?

    2. Re:The US does NOT have the best health system by Bengie · · Score: 1

      Anecdotal stories don't count. On average, Canada has better prevention, detection, lower overall cancer morality rates, and better 5 year post treatment expectancy rates than the USA in almost all categories of cancer. What you can't do in Canada is buy your way to the front of the line like in the USA.

    3. Re:The US does NOT have the best health system by csumpi · · Score: 1

      Facts, or never happened.

  101. Re:define "performing well" by Anonymous Coward · · Score: 0

    "If y'all don't laaaik it yer cn geeeyit aaut," huh? Well, fuck you, sir. People like you ruin the Internet and most other public forums.

  102. Gapminder by sgtrock · · Score: 1

    Gapminder's main site

    Go ahead, check out the stats. By any measure, the US is NOT number one when it comes to health care and we spend a higher percentage of our GDP than everyone else for demonstrably poorer results.

  103. CNN says otherwise by LynnwoodRooster · · Score: 1

    CNN tries it and it still fails, but now it fails after they collect all your information... So at least the NSA and IRS are happy!

    --
    Browsing at +1 - no ACs, I ignore their posts. So refreshing!
  104. Insurance has nothing to do with health care... by Anonymous Coward · · Score: 0

    Insurance is a ponzi scheme, health care comes from apples, carrots, greens...you know, raw food that grows in the ground, not in a lab.

  105. Is it just me... by Anonymous Coward · · Score: 0

    Or do all the pro-ACA posters here sounding siminar-callerly ? There is a small nugget of stories here that stink like paid posters. I have not met one person or business owner in my town that is happy with the new prices and plans. Those for whom the price was reduced were getting insurance on their own under subsidies for the first time. They were previously covered via parents or work.

    And all the users who keep telling me that the uninsured are raising the prices for the rest of us, of the medically bankrupt, three-quarters of that group had insurance, at least when they first got sick.

  106. who are these 'officials' ? by Anonymous Coward · · Score: 0

    Are they the same ones who said there never was a problem?
    Or the ones responsible for the problem?
    Or the ones who dont care if it works or not as the control is all they actually care about. ??

    Which liars are saying this to us now?

    "Performing Well" and "Performing Well under actual use" are two different things.

    Not a problem. The taxpayers are still footing the bill no matter what a fiasco the whole thing is.

    FO

  107. WNC by Anonymous Coward · · Score: 0

    Will Not Comply.

    Will not sign up, will not pay for freeloaders.

    And just to make it perfectly clear, if you are a freeloader with your hand out, go fuck yourself.

    1. Re:WNC by sribe · · Score: 1

      Will Not Comply.

      Will not sign up, will not pay for freeloaders.

      And just to make it perfectly clear, if you are a freeloader with your hand out, go fuck yourself.

      That is incoherent nonsense. If you do not have health insurance, then you are a freeloader in spirit--even if you've been lucky so far, you are deliberately putting yourself at risk of having to choose between freeloading and dying, and I'm pretty sure I know which one you'd choose. If you do have health insurance, then what do you mean you will not sign up? The signing up, the whole fricking healthcare.gov, is just for two things: getting the subsidy if you qualify, and window shopping if you want--insurance is perfectly available directly from the insurers if you don't qualify for a subsidy, also still available through brokers who have been helping people select plans for decades.

  108. And ChartBeat and CrazyEgg by Animats · · Score: 1

    Google here has the power, should they decide to use it, to extract any data they want from any page or form in Healthcare.gov by downloading a suitable tracker. Whether you think this is evil depends on how much you trust Google.

    It's even worse than that. Those little bits of "tracker" code being injected are written and controlled by each tracking service. So not just Google, but CrazyEgg or ChartBeat staff could upload spyware into HealthCare.gov's site.

    Google does a little checking on the injected code, mostly to make sure it won't crash the page with bad Javascript syntax. Each snippet of tracking code is enclosed in a try-block, so one tracker won't abort the other trackers. But there's no indication that Google takes any steps to limit the intrusiveness of the tracking.

    CrazyEgg collects every click on every page. This is used to generate a "heat map" of web page usage, and can be misused to find out which check boxes and buttons someone used when signing up for health insurance.

    Of course, all these parties claim they won't do bad stuff.

  109. Obamacare Website by Anonymous Coward · · Score: 0

    No matter how anyone pitches it, the Obamacare website still does not work. I was able to create a profile, but it will not take me to the next step to determine eligibility. It appears that the software module connecting to the IRS does not work.

  110. There's no direct benefits by tjstork · · Score: 1

    Let's cut to the chase and admit that the ACA is a moral argument. If there was a benefit to me, somehow, I'd have a check in the mailbox. There isn't one. The only reason that we put up with this federal slavery is to make a few people feel good about themselves, that, we're all pitching in for their causes because the people doing the most preaching don't really want to pay for their causes themselves.

    The rest of us are just slaves to their dreams. No matter how good they are, they are still tyrants, and that must never be forgotten, and no man that preaches, should ever be trusted. Always remember that to make someone else's life better, government ruined yours.

    --
    This is my sig.
    1. Re:There's no direct benefits by Cantankerous+Cur · · Score: 1

      *facepalm* I'm pretty sure I explained how it directly benefits you. And yeah, there isn't going to be a check in the mail. It's going to be very slightly cheaper goods because labor costs will be slightly reduced. It's no different than having a good road system that reduces the amount of gas needed to transport those same goods. How will you quantify that? Pfft. Maybe someone will do a study one of these days. So far as I'm concerned, my argument is axiomatic logic.

  111. Actually you are slaves by tjstork · · Score: 1

    In the sense that, if your country was so voluntarily willing to pitch in for health care, then you wouldn't need taxes to make it compulsory, would you? Just saying. As it is, there is at least a credible minority of people in Canada who are essentially slaves - they are working for something they don't want, and, you don't speak for them....

    --
    This is my sig.
    1. Re:Actually you are slaves by Aighearach · · Score: 1

      You might want to look up the word "slavery," I doubt it will say anything about "paying taxes you don't like."

  112. They don't want the coverage! by tjstork · · Score: 1

    First off, let's establish that these 20% don't want the coverage. Otherwise, there would not be a law that forces them to buy it. So, why don't you rephrase your tragedy as "not everyone is paying for what I want.", which is more accurate.

    --
    This is my sig.
  113. Re:If the site was broken because the law is flawe by sribe · · Score: 1

    ...now that the site works, does that mean that the law isn't flawed? Or are the people who made that argument just going to backtrack now?

    Wait. WTF? You mean the same assholes who voted >40 times to repeal it even though they knew they did not have the votes to prevail?

  114. Better still, just shut down the government by tjstork · · Score: 1

    No, we have a democracy and we can change the rules of society. We can completely shut down the federal government and if you want to have single payer in your state, go ahead and have it, just don't foist it off on everyone else's so you can feel good about for yourself for wrecking the lives of those people that are managing their health risks in ways that makes more sense to them.

    --
    This is my sig.
    1. Re:Better still, just shut down the government by DexterIsADog · · Score: 1

      More hyperbole. Well, you convinced me. Let's stop treating the U.S. as if it were the United States of America.

  115. Re:define "performing well" by Bengie · · Score: 1

    Cuba has higher 5 year survival rates for all types of cancer, than the USA. Yay, we're behind Cuba.

  116. Re:define "performing well" by Aighearach · · Score: 1

    I invite the analysis using any well-intentioned metric.

  117. Re:define "performing well" by sumdumass · · Score: 1

    I don't think the driving a car example is close to relevant. You can always opt out of driving by taking public trasnportation, relying on friends and family, walking or riding a bike and so on. You cannot opt out if the health insurance mandate unless you leave the country and renounce citizenship or die. I suppose being incarcerated could give you a way also but that illistrates just how different this is.

    It doesn't really matter what the intent is or how the justification is presented, you simply cannot get around the fact that once born, or a lawful citizen in the US, you are obligated to pay a third party private company else face penalty under the law with absolutely no due process at all. For many, no sugar coating or slick talk will make that acceptable.

  118. Re:define "performing well" by jamstar7 · · Score: 1

    Oh stop it. You can go off into the wilds and stay away from the IRS, UPS, AT&T and likely the NSA. Very, very few people stay completely off the grid. If you want to have the benefits of civilization, then you have to pay for it.

    Or as Adam Smith said, those who benefit from society have an obligation to pay for the costs of running society.

    Tell that to the 1%. All they're interested in is buying politicians to make sure they keep getting federally mandated profits.

    There's more of us than there are of them. All we have to do is vote for politicians who will follow the interests of the citizens who elected them.

    Although we seem to have difficulty doing that. There appears to be something wrong with democracy.

    Get rid of the Citizens United decision, and fund presidential campaigns strictly through income tax, and we'll do just fine, thank you. The problem is lobby money, particularly when it's dark money like a lot of the Republican 'nonprofits' that are around strictly to fund 'friendly' pols.

    --
    Understanding the scope of the problem is the first step on the path to true panic.
  119. Re:define "performing well" by sumdumass · · Score: 0

    lol.. I guess reality is a troll.

    Nothing said was not true. the argument, or one of the main arguments for the mandate is exactly that people with insurance are paying for those without when not everyone without gets treatment they cannot or do not pay for. Therefore, people who have never done so are now obligated to pay a third party in order to try and make the greedy people's insurance cheaper or face a penalty under law with no due process rights involved at all.

    Marking something a troll cannot ever get around that simple fact.

  120. Re:define "performing well" by Anonymous Coward · · Score: 0

    They would know.... :)

  121. Really? by brunnegd · · Score: 1

    Beauty is in the eye of the beholder.

  122. Re:I played with it just now j/k by FragHARD · · Score: 0

    ???? How much did the DNC just pay you to put that comment on here??? was it as much as the other poster boys are getting at reddit... I wonder ;)

    --
    FragHARD or don't frag at all
  123. Fuck you and fuck your "society" of assholes by Anonymous Coward · · Score: 0

    I got a better idea. How about you die, hopefully in the most miserable and painful way possible, and then this finally becomes a free country again? With a lot cheaper oil to boot.

    You don't have a fucking clue, of course. That's why you make such a good slave.

  124. Re:If the site was broken because the law is flawe by Lendrick · · Score: 1

    I saw people making this exact argument over and over right here on slashdot. They aren't strawmen.

  125. Obamacrap by Anonymous Coward · · Score: 0

    I won't be mandated and I won't sign up for this socialist trash.

  126. Re:If the site was broken because the law is flawe by Anonymous Coward · · Score: 0

    The site mot working is simply a symptom of the real problem. The government is generally incompetent. Even in warfare the government is generally incompetent, they are only saved by the fact that the people (governments they are fighting are even more incompetent.)
    The site was broken because the premise of government intrusion into health care at this level is flawed. The law is flawed to the same extent.
    Does the site really work? If it does that means the back end has been fixed too doesn't it? We know that's not happened.