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Statisticians Study Who Was Helped Most By Obamacare

HughPickens.com writes We know that about 10 million more people have insurance coverage this year as a result of the Affordable Care Act but until now it has been difficult to say much about who was getting that Obamacare coverage — where they live, their age, their income and other such details. Now Kevin Quealy and Margot Sanger-Katz report in the NYT that a new data set is providing a clearer picture of which people gained health insurance under the Affordable Care Act. The data is the output of a statistical model based on a large survey of adults and shows that the law has done something rather unusual in the American economy this century: It has pushed back against inequality, essentially redistributing income — in the form of health insurance or insurance subsidies — to many of the groups that have fared poorly over the last few decades. The biggest winners from the law include people between the ages of 18 and 34; blacks; Hispanics; and people who live in rural areas. The areas with the largest increases in the health insurance rate, for example, include rural Arkansas and Nevada; southern Texas; large swaths of New Mexico, Kentucky and West Virginia; and much of inland California and Oregon.

Despite many Republican voters' disdain for the Affordable Care Act, parts of the country that lean the most heavily Republican (according to 2012 presidential election results) showed significantly more insurance gains than places where voters lean strongly Democratic. That partly reflects underlying rates of insurance. In liberal places, like Massachusetts and Hawaii, previous state policies had made insurance coverage much more widespread, leaving less room for improvement. But the correlation also reflects trends in wealth and poverty. Many of the poorest and most rural states in the country tend to favor Republican politicians.

52 of 739 comments (clear)

  1. Lemme guess by marcello_dl · · Score: 5, Insightful

    A: the insurance companies.

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    ---- MISSING MISCELLANEOUS DATA SEGMENT --- [sigdash] trolololol
    1. Re: Lemme guess by Anonymous Coward · · Score: 2, Insightful

      Ignoring the insults in your post... You still provided the far more expensive emergency medical care to the former group in the old system. What has changed? Now you know you are doing it?

      Insurance is just cost shifting. These people are still going to have heart attacks and cancer and strokes. Now the cost channels run directly through the insurance co.s, instead of running indirectly through the insurance costs of the uncovered (because the hospital had to charge more due to the poorest being unable to pay etc).

      So basically nothing has changed, except insurance co.s get to insert their useless selves into more people's lives and pocket more money. ACA has always been a corporate handout, it just doesn't explicitly name Haliburton, Boeing, etc and so it gets a pass. The ACA done correctly would have been single payer, put the insurance co.s out of business, etc

    2. Re:Lemme guess by cold+fjord · · Score: 5, Insightful

      Quite right. Obamacare won't be "fully in place" until all of those "temporary wavers" go away, and we are past the front loaded funding to see what it really costs.

      There is still a lot of smoke and mirrors being used to obscure the real cost and ultimate impact of Obamacare. Why do you think that is?

      --
      much of left-wing thought is a kind of playing with fire by people who don't even know that fire is hot - George Orwell
    3. Re:Lemme guess by Archangel+Michael · · Score: 2, Insightful

      Reporting only the fact you like, ignoring the facts you don't on an incomplete process is factually inaccurate at BEST. I've always said, liberal bias isn't what is being reported as much as what is not being reported.

      Case in point, Sarah Palin's daughter Bristol's Bruhahah has been reported on several times (as many as a dozen on one network), while the more serious charge of Cocaine possession caused him to be discharged by the Navy was not covered by most and only once by those that did.

      What is the difference other than liberal disdain for anything "Palin" and covering up anything that makes the current Administration look bad? FYI, the Bidens are part of the "1%" that liberals love to hate (except when it is liberal democrat)

      Mind you, I don't have a dog in this fight between (R) and (D), since I am an (L). I just wish coverage was equal. But then again, I believe that politics is so infused in reporting these days, watching news from either MSNBC or FOX NEWS is only getting part of stories, and why we all should spend more time getting news from raw sources.

      --
      Agent K: A *person* is smart. People are dumb, stupid, panicky animals, and you know it.
    4. Re:Lemme guess by Archangel+Michael · · Score: 3, Insightful

      The fact that cash price for surgery is $65,000 while insurance paid only $6200 is criminal.

      That, and adding middlemen always increases prices. Insurance is middleman.

      --
      Agent K: A *person* is smart. People are dumb, stupid, panicky animals, and you know it.
  2. Re:how many small businesses has Obama killed? by Anonymous Coward · · Score: 5, Insightful

    Bullshit. There are many other factors to blame for it.

    I'm watching the same thing happen in New Zealand right now, but it's because of right wing "I've got mine!" policies.

    The wealthy are hoarding away their money, pay rates for the rest of us are dropping through the floor. It's only a matter of time until we can't afford to spend, and the economy will grind to a halt. That is, unless the wealthy suddenly drop their trillions back into the pockets of the people who actually do the hard work.

  3. Redistribution by jamesl · · Score: 3, Insightful

    It has pushed back against inequality, essentially redistributing income ...

    So it is an income redistribution plan. What we really need is a prosperity plan and other than getting out of the way, that is not something government can do.

    1. Re:Redistribution by pijokela · · Score: 5, Insightful

      People with health care should be more able to prosper because they are healthy and can work. People with untreated sickness are not going to prosper regardless if how incentivized they are to work harder.

    2. Re:Redistribution by mwvdlee · · Score: 4, Insightful

      Every single government thing involving any money at all is an income redistribution plan.

      Corporate tax benefits are income redistribution plans.
      Military spending budgets are income redistribution plans.
      Spectrum auctions are income redistribution plans.

      This particular income redistribution plan is only different in that income is redistributed to the poor instead of the rich.

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    3. Re:Redistribution by Anonymous Coward · · Score: 1, Insightful

      It's a fucking health insurance plan. You know, like you'd expect from a modern society? Once you secure your people's (aka workforce) health, prosperity is more likely to follow. Even a republican should be able to understand the basic economies of scale and return on investment involved here.

      Or you can just do it like Kansas and watch the world burn, I guess.

    4. Re:Redistribution by Anonymous Coward · · Score: 0, Insightful

      It is another of the many trillions of examples of why Republicans have a severe problem with understanding reality around them, that is the low end of the poverty scale of the right wing, the upper scale are the ones that their lives and insurance didn't change one bit, because they already had enough spare money to spend on such things that NO publicly offered option would be better than what they already spend 100k per year or more on (seriously when you're that rich, why do you even need insurance, its not like you couldn't afford a full round of terminal cancer treatment or some other astronomically pricey emergency need with pocket change.)

      in summary: This proves again that the large majority of Republicans are completely and hopelessly retarded, not only did they not see it coming that they were the ones that would benefit most by the change, but they supported those who would run this country into the ground financially and ethically just so they could get another "George Dubyah" in office rather than a member of a minority group. I weep for the future of the Republican party!

    5. Re:Redistribution by drinkypoo · · Score: 4, Insightful

      This particular income redistribution plan is only different in that income is redistributed to the poor instead of the rich.

      And it is no different in that income is redistributed from the middle class instead of the rich.

      --
      "You're right," Fisheye says. "I should have set it on 'whip' or 'chop.'"
    6. Re:Redistribution by Morky · · Score: 5, Insightful

      Also, a workforce not afraid to lose insurance if they leave their jobs is a more mobile workforce, able to migrate to regions with better job markets.

    7. Re:Redistribution by Anonymous Coward · · Score: 4, Insightful

      Which is why Republicans hate it so much.

      Each party has a contingent that is acting against its personal interests. For Republicans it is the poor and for Democrats it is the rich.

      Either way the middle class is screwed, which is why it is disappearing.

    8. Re:Redistribution by Anonymous Coward · · Score: 0, Insightful

      Right wing bullshit, More of that please! Income redistribution my hairy ass. Fucking disgusting ignorant country.

    9. Re:Redistribution by Anonymous Coward · · Score: 4, Insightful

      the people who cry about wealth redistribution never seem to cry about the last 30 years of American productivity re-distribution to the rich.

    10. Re:Redistribution by Mr+D+from+63 · · Score: 4, Insightful

      It is worth noting this article and effort was pushed forth by O-Care supporters. It fails to answer the most important questions.. has your healthcare improved or lowered in cost? Are you using it? There were a lot of free health services available to people before they were required to sign up for O-Care. The fact that many of the (very optimistically estimated) number of those who were added to O-Care rolls did not want or feel they needed it should be considered as well. In other cases, such as ones I am very familiar with, previously covered spouses were forced to move to their own plan if their work provider had coverage available. This means that although a new health care subscriber can now be counted, that person was already covered and that family is now paying more and having to deal with two health plans, which adds its own set of complications and reduces the value of deductibles on a per person basis.

      It is interesting, but not surprising, that the liberal talking points are heavily embedded, a clear flag that the study has an inherent bias. The "poorest states" being conservative sounds counter to only the picture that liberals try to paint of conservatives, not to reality for anyone who pays any attention. Hard working rural America has always been conservative. More often than not, it is the large urban populations that shift state's support bias to liberal, and it is those same urban areas that hold the most desperate and dependent populations of the truly underprivileged.

      Polls can give you the result you intend. This is simply a poll result, not a sophisticated statistical analysis as the title would have you believe. Its not that hard to play with numbers to make any point you want. Those that want to believe the results will, those that don't won't.

    11. Re:Redistribution by Attila+Dimedici · · Score: 4, Insightful

      Yes, but the article is NOT about health care. It is about health insurance. They are not the same thing. Having health insurance is not a benefit if there is no one to provide you with health care, which is what is happening with this law. Most of those who now have health insurance that did not have it before are those who have been added to the Medicaid rolls. Yet the number of health care providers who accept Medicaid patients has fallen.

      --
      The truth is that all men having power ought to be mistrusted. James Madison
    12. Re:Redistribution by dave420 · · Score: 5, Insightful

      You don't seem to realize it's the perverse notion that health insurance companies need to exist which has caused this situation. You should see what happens in civilized countries - people don't even have to think about health insurance (or, if they desire, they can spend up to $100 a month for some perks, but no improvement in treatments, as all treatments are available to everyone). If they need treatment, they go see a doctor. No money changes hands (except in some areas a token fee of ~$10), and people get treated. If a country has true universal healthcare, the amount of bargaining power the health service has means they can get drugs at a fraction of the cost, and in some countries the price for a prescription is the same regardless of what drugs are being prescribed (and usually free for 65s, and pregnant women). How does ~$10 for a prescription sound? Impossible to you, I'm sure. Here's another thing to think about: no-one goes bankrupt because of medical bills. No-one. Not a single person. And this costs less of a portion of the GDP, with comparable (and frequently better) outcomes.

      People who live in these more civilized countries read this shit about the US and simply scratch their heads. The numbers alone are mind-boggling to people whose entire annual medical expenditure is usually under $100, and frequently 0.

      Stop bitching about Obamacare and start bitching about your insurance overlords who simply should not exist, or should be in the business of topping-up an already good healthcare system with comfier pillows and colder sodas.

    13. Re:Redistribution by dave420 · · Score: 4, Insightful

      Get rid of the insurance companies, get universal healthcare, and join the rest of the civilized world. Complaining about the symptoms of a broken system and not the broken system itself is never going to help anyone. Not allowed to use hospitals?? Thousands of dollars a year?? Pathetic. First-world my ass.

    14. Re:Redistribution by cduffy · · Score: 5, Insightful

      Because if you banned pre-existing condition exclusions without forcing folks to be insured, people wouldn't get insured until after they were sick.

    15. Re:Redistribution by thrich81 · · Score: 5, Insightful

      I guess you weren't around during the Great Depression. There is a reason so much of the country became solidly Democratic for a generation after that -- the people who were in it credited FDR for saving their butts when no one else cared. They certainly didn't see the invisible hand of "economic growth" putting food on the table anytime soon back then. You have to live through the hard times in order to be around when things get better through growth. So where are these places on the planet of fantastic prosperity where the government is less intrusive than in the USA now ('less intrusive' includes 'no government provided health care')?

    16. Re: Redistribution by dywolf · · Score: 3, Insightful

      Not really no it hasnt.
      Know why our infrastructure sucks?
      Cause a lot of it was built way back then, and then later in the 50s witht he Interstate expansion, and hasnt touched since.

      We still need roads built and replaced. Bridges. Dams. Airports. Etc. Thats what hte WPA built, and that stuff will always be needful.

      --
      The guy who said the election was rigged won the presidency with the second-most votes.
    17. Re:Redistribution by NoImNotNineVolt · · Score: 3, Insightful

      So it is an income redistribution plan. What we really need is a prosperity plan

      I'd argue that there's certainly plenty of wealth in this country. Net national wealth is $83.7T, so that's about $280k per person (or $301k per person according to a recent Credit Suisse Global Wealth report); most people wouldn't be complaining if their net worth was $280k --- most Americans today have a net worth that is less than $45k. While more prosperity is always nice, it's somewhat unreasonable to make baseless claims that redistribution of wealth is less needed than prosperity. While I can sympathize with the fact that redistribution of wealth may not be compatible with your personal ideology, it would probably be better for everyone if we could discuss these issues in terms of numbers and facts, not political preferences.

      --
      Chuuch. Preach. Tabernacle.
    18. Re:Redistribution by NoImNotNineVolt · · Score: 3, Insightful

      The second were the $150/month genuine catastrophic plans. Insured pays $150/month, and in exchange the obligation of paying the first $10K of the bill, the insurance company might actually cover the remaining $90K. (Also, the insurance company might be able to bargain the hospital down from $100K to $20K, so even if they refuse to cover it, the insured isn't bankrupt.) These are gone, and that kinda sucks.

      Are these plans outlawed by the ACA, like the first set of plans you describe? Or have insurers merely stopped offering them of their own volition? I'm genuinely asking, as I don't know. I haven't heard of any limitations on deductibles imposed by the ACA.

      What ACA proponents don't get is that YES, premiums *DO* have to rise, markedly, and that as long as insurance companies remain middlemen, everyone is going to pay $10K. Because that's your actual actuarial risk including the middlemen's 50% cut.

      If premiums do have to rise (because of the ACA), why? What are the increasing costs? Most arguments I've heard boil down to "my premiums went up, my coverage went down", but something's not adding up. The ACA has capped insurers' profits (to what extent this is effective remains to be seen), so I'm comfortable assuming that the alleged difference in cost isn't simply being pocketed. So where is it going? I can't answer that. The conclusion this brings me to is that either premiums are not going up, or coverage is not going down.

      --
      Chuuch. Preach. Tabernacle.
  4. Puff piece before the elections by Squidlips · · Score: 3, Insightful

    It must be nice to have the State-run Media on you side

  5. Re:Camps mixed up by drinkypoo · · Score: 2, Insightful

    And then you have a tiny minority of the super rich, who are strongly favored by right-leaning policies, asking the government to tax them more...

    FTFY. For every Warren Buffet there's a hundred fucks who won't cough up a dime unless you punch them in the gut.

    --
    "You're right," Fisheye says. "I should have set it on 'whip' or 'chop.'"
  6. Re:Proof Republicanism is the major cause of pover by Anonymous Coward · · Score: 0, Insightful

    Republicanism === 'the right to be born well' W.E.D. Stokes, 1917

    A fascinating read about the core principals of the Republican party.
    (Note, this only applies to the top Republicans, the average "joe" working
    republican isn't like this.)

    Republicans === Eugenics

  7. Re: how many small businesses has Obama killed? by Anonymous Coward · · Score: 5, Insightful

    By far the biggest impact from Obamacare has been the expansion of Medicaid. That could've been accomplished without messing with my private insurance.

  8. Re:You shouldn't need insurance for most things by Extensa30 · · Score: 5, Insightful

    That you have to pay "cash" to get medical attention strucks me as hard as if you'd had to pay to have the police assiting you, or that if you had to pay to get your children into the school. All of those are basic rights that any development country considers "essential". Of course you pay for them, but you do so in your taxes... and if you want a premium service, then yes: you can use your cash as much as you want, and have hot blonde nurses for all I care. American republicans are fucked up around private healthcare. Why don't they ask for only-private police? that only serves and protects those that can afford it? or only-private education?

  9. Re:Camps mixed up by Bing+Tsher+E · · Score: 1, Insightful

    Warren Buffet never coughs up a dime without being forced to. He just grandstands about the issue. Rhetoric is not action.

  10. Re:how many small businesses has Obama killed? by thaylin · · Score: 4, Insightful

    you can always move to another state more in-line with your ideology without renouncing your citizenship.

    In theory that works great, in practice it does not work at all.

    --
    When you cant win, ad hominem.
  11. Re:how many small businesses has Obama killed? by Anonymous Coward · · Score: 0, Insightful

    "In theory that works great, in practice it does not work at all."

    Republican policies in a nutshell.

  12. republicans sucker the masses by jsepeta · · Score: 4, Insightful

    the republican party is incredibly successful at turning the victims of their legislation into their voter base. democrats SUCK at messaging.

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    Remember kids, if you're not paying for the service, YOU ARE THE PRODUCT THAT IS BEING SOLD.
  13. Re:how many small businesses has Obama killed? by RoccamOccam · · Score: 2, Insightful

    Are republicans so stupid that they can not see it's a Republican system? Because as a Democrat I wanted a system closer to Canadian Healthcare as it works.

    Because a single Republican governor implemented a similar system in a Democrat-controlled state, then automatically, this is a Republican plan that all (or even a majority of) Republicans across the nation supported? What a stupid statement! It completely flies in the face of actual facts.

    Every single Republican in Congress opposed this plan. Republican voters overwhelmingly opposed (and still oppose) this plan.

    The Democrats had complete control of Congress and the Executive Branch and they passed what they wanted to pass.

    This clusterfuck is all on them. If it wasn't so terrible, it would be laughable that Democrats keep trying to pin the blame on the Republicans for this mess

  14. What a partisan, biased summary by PeeAitchPee · · Score: 1, Insightful

    What about older people forced to pay for pregnancy coverage they'll never use? What about healthy 20-somethings whose affordable plans (called "junk plans" by liberals, but perfectly adequate coverage for a demographic that very rarely needs anything but coverage in case of catastrophic events) were cancelled even after Obama LIED and said "if you like your insurance, you can keep it?" You don't want to mention those things because it's more regressive taxation from so-called progressives. If you liberals are hell-bent on getting rid of every inequality you think you see, why do you insist on taking money from your fellow middle-class Americans to do it instead of from the big corps you claim to despise so much? THAT's why ObamaCare is so damn unpopular, and part of the reason the Democrats will get wiped out in next week's elections. People are sick of your bullshit.

  15. Re:how many small businesses has Obama killed? by dywolf · · Score: 5, Insightful

    They opposed it because they oppose everything that Obama does.
    Whatever he does, they support the opposite. No one cared about Common Core originally, and it was implemented in 43 states. But as soon as Obama said it was a good idea, everyone on the started freaking out and saying it was the worst EVAH.
    When he suggested bombing Syria they said no way.
    When he was reluctant to bomb Russia/Ukraine they said we needed to.
    If he said cyanide was toxic they would stand on the Capitol Steps and chug it just to spite him.
    If he cured cancer they'd complain he was putting doctors out of work.

    It's a Republican plan because they came up with it 20+ years ago.
    Nearly every key aspect of it comes from the GOP plan that Heritage came up with around 1989.
    Most everything in the plan is oriented around implementing and supporting a free market, ie existing insurance industry, based solution to expanding care. Even the mandate originates with Heritage, and is essential to preventing free riders so that the insurance based approach can work.

    Further, the GOP HAS NO HEALTHCARE PLAN. They keep saying they want to repeal Obamacare, but when asked about what they'd replace it with, they have no answer. the few who actually give an answer, invariably end up describing something that resembles Obamacare.

    Dems went with a Romneycare clone because they figured, hey, we're never going to get a nationalized healthcare system through congress, not yet. But they themselves implemented this thing up in Mass., and it's working pretty good, so lets do that. Let's compromise. Instead of pushing for a NHS, we'll push for increased access using the a market based approach thorugh the insurance companies. So thats what they did.

    Its not terrible.
    Its not a cluster.
    And GOP opposition is just smoke and mirrors.
    The only one flying in the face of the facts is YOU.
    You completely ignorant of the facts, of history, and the context.

    --
    The guy who said the election was rigged won the presidency with the second-most votes.
  16. Re:Camps mixed up by laird · · Score: 5, Insightful

    Question: Not a single Republican voted for Obamacare, so exactly how does it make it their "wet dream"?

    Answer: Because Obama adopted the Republican plan in an attempt to unify the parties in implementing healthcare reform. The Democratic plan was Single Payer, which was cheaper, simpler, and more effective. Obama agreed to the more expensive, complex and ineffective Republican plan in an attempt to get Republicans to engage in the reform.

    Unfortunately, Republicans immediately turned against their own plan, because they cared more about preventing reform than in their own reform plans.

    The shame is that the Democrats didn't then go back to their own plan and push that through. Unfortunately there were enough Democrats tied to the insurance industry (Lieberman....) that, combined with 100% Republican obstruction, they were able to force the country to waste $trillions on insurance company waste. Because what's waste to us is record profits for insurance companies.

  17. Re:how many small businesses has Obama killed? by nucrash · · Score: 4, Insightful

    "In theory that works great, in practice it does not work at all."

    Republican policies in a nutshell.

    The first statement holds true for a lot of political ideologies. Welfare sounds like a great system to end hunger, and we assume that no one would want to live on government assistance. Some people are perfectly happy giving the minimum though.

    Taxes and exemptions sound ideal too except you have people who are going to take every exemption to end up not paying a dime.

    --
    Place something witty here
  18. Re:how many small businesses has Obama killed? by Anonymous Coward · · Score: 0, Insightful

    No one cared about Common Core originally, and it was implemented in 43 states.

    Common Core was another piece of legislation that "had to be adopted first to see what was in it". The federal government offered millions of dollars to states that would commit to Common Core before the standards had even been decided/disclosed..

  19. Re:how many small businesses has Obama killed? by RoccamOccam · · Score: 3, Insightful

    So, which Republicans voted for the ACA? Which provisions were inserted into the ACA to garner those votes? For that matter, what Republican support was needed to overcome a filibuster? Which provisions were inserted into the ACA to get Republican support in order to overcome that filibuster? Geez, just own up to the responsibility for what your party has done.

  20. Re: how many small businesses has Obama killed? by gtall · · Score: 4, Insightful

    Not only that, if the polls are to be believed, Romney is now the frontrunner for the GOP Prez candidate for 2016.

    The basic problem is that the U.S. let the insurance companies into the health care system back in the 60's and didn't implement national health care under Teddy Roosevelt who wanted it.

    Now we have death panels...not the panels the Republicans waxed wet dream like during the passage of the ACA but the ones the insurance companies run. Yes, those are indeed death panels just like the ones the Republicans warned us about.

    Currently, Americans pay for health care through a company and individual tax. That allows the insurance companies to suck up as much as they can because they amortize risk, they do not amortize outcomes. So if your doctor schedules extra needless tests to protect against possible lawsuits, that cost has been built into the system if you have health insurance. The doctors are only too happy to order them because the insurance company will pay, it is built into their risk assessment of what your life is worth to them.

  21. Re:how many small businesses has Obama killed? by pr0t0 · · Score: 5, Insightful

    I disagree with the premise that "ObamaCare" and the ACA are the same thing. When Obama introduced his framework for health care reform, it included, among other things, a single-payer system. Controversial to be sure, but a key part of the plan. The republicans focused on that and the individual mandate as their two key talking points of opposition. The former was framed as a government takeover of healthcare, and the latter as unconstitutional. The democrats dropped the former to make it more palatable, presumably thinking something is better than nothing and perhaps it will be added in time. The republicans were quick to jump on board with that probably thinking without the single-payer element, the whole thing was dead. The latter was deemed constitutional by the supreme court, breathing new life into the legislation.

    While the republicans termed the whole notion of healthcare reform as "ObamaCare" as a pejorative, in my mind the ACA is actually more of an inadvertent compromise between the democrats and the republicans. It wasn't the intention of the republicans to add things in and take things out as a means of compromise. What they did, they did to kill the legislation; but it didn't work out that way. In the end, the ACA is a democrat-led effort for healthcare reform with many compromises made to please, and at the behest of, republicans.

    While the republicans didn't vote for the legislation; the legislation that passed has their fingerprints all over it.

    But all of this is just political theater and bullshit. If any of you think your party is "right" or fighting for and representing your interests, you are deluded and probably of only average intelligence.

    --
    I'm sorry, but your opinion seems to be wrong.
  22. Re: how many small businesses has Obama killed? by Anonymous Coward · · Score: 2, Insightful

    Costs have gone up and coverage down for a lot of people exactly because of the 'Affordable' Care Act. The only people who really benefit are those who get highly subsidized coverage now because they don't make much money.

  23. Re:This is what the polls say by radl33t · · Score: 4, Insightful

    to be fair, none of them know any details about it no matter what you call it.

  24. Worst law in the history of the United States. by schematix · · Score: 5, Insightful

    My family insurance rates went from ~$400/mo for a PPO plan in 2012, to ~$750/mo in 2013, and now just under $1000/mo in 2014, all with declining levels of coverage. Thank you 'Affordable' Care Act. Even a modest 6-figure household income can't realistically afford $1000/mo for health insurance so we dropped it. It doesn't end there either. After $12k in premiums, i have exposure for another $6000 per year. So now we have a bare bones plan and contribute less to the system overall. Worst law in the history of the United States.

    --
    Scott
  25. Re:how many small businesses has Obama killed? by ScentCone · · Score: 2, Insightful

    I see, so instead of constructively engaging to modify a plan built on a Republican plan, they decided to take their ball and go home. That's so mature of Republicans

    The legislative agenda surrounding the 100% partisan ramming-through of the ACA precluded any Republican involvement. The Republicans put forth a constant barrage of their own ideas and (looking back on them) very accurate predictions about all of the wreckage that the ACA is now causing. Harry Reid and Nancy Pelosi ran the entire show, and shut down any involvement by Republicans. Those two leaders of the Democrat party, and the chief executive, actively and deliberately lied - over an over again - about the nature of the law and the fallout that would come from it. That's why more people opposed than supported it as it was being rammed through, and why even more people are opposed to it now. The way in which the Dems carried on at the time is about to cost them a lot of legislative seats, and the president who championed this new tax/entitlement redistribution plan is spiraling downward in terms of any public support for his priorities.

    The Republicans had no ability to "constructively engage" in the creation and underhanded passage of the ACA. They could only shout out loud about how outrageous so much of it is, since their votes - in committee and generally in the house and senate - were incapable of impacting the law.

    --
    Don't disappoint your bird dog. Go to the range.
  26. Re: how many small businesses has Obama killed? by ScentCone · · Score: 3, Insightful

    Yeah, cause emergency rooms are turning away people in droves.... try again...

    No, they're not, of course. But people with modest income are no more "insured" than they were before. That's the whole point. What is a family who makes $45,000 a year (gross) supposed to do with a $12,000 deductible? Well, at least they're insured now, right? Right. Thanks, Pelosi, Reid, and a Obama! Oh, and of course millions of other people who DID have insurance they wanted and could use, no longer do, and that's about to happen to millions more when the illegally-delayed changes hit the employer-provided plans. After the election, of course.

    --
    Don't disappoint your bird dog. Go to the range.
  27. Re:You shouldn't need insurance for most things by mark_reh · · Score: 4, Insightful

    That's like saying that rich people have to pay taxes shown in the tables that the IRS provides to everyone with their tax forms. There are so many accounting tricks and loop-holes in the laws that that 15-20% limit is NEVER going to be achieved. The real solution to the problem is universal healthcare funded directly by tax payers. The republican complaint against it is that you'll have to hire an army of people to administer it- BIG GOVERNMENT! What we have now is insurance companies with armies of administrators and lawyers working to prevent spending on health care because it is more profiable to collect premiums and not pay money out. With a single-payer system you have an army of people working to ensure spending is going to health care and not fraud. I know which I would rather fund.

  28. not "helped" by superwiz · · Score: 4, Insightful

    Being forced to buy insurance is not "help." It's being forced to buy insurance. It may be a good idea for some, but calling it "help" is misleading. Most people with this insurance will see more of their money spent on premiums than they would receive in payments even when they do get sick and need medical care. The medical care savings accounts would have been much more helpful for most people in reducing their medical costs and in forcing them into long-term responsible behavior. But we couldn't do that. That would be too Republican an idea.

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    Any guest worker system is indistinguishable from indentured servitude.
  29. Re:You shouldn't need insurance for most things by tazan · · Score: 4, Insightful

    Yeah, a few years ago when I was young and didn't have insurance there was a cash doctor in town. Her office didn't take insurance at all, you paid in cash. And her cash price was the same as I would later pay for a copay when I did get insurance. That does make me think most of the cost of a doctors visit is overhead for insurance record keeping and wonder if there is any benefit to it.

  30. Re:how many small businesses has Obama killed? by dywolf · · Score: 4, Insightful

    Actually they did propose it. Several times. Especially in the 90s they would dust off their plan and push it as the alternative freemarket alternative to socialized medicine aka HillaryCare.

    No, they're not embarrassed by the plan, some candidates in comeptitive disctricts trying to keep their jobs aside.
    The website was a disaster, but for anyone familiar with government contracting, not surprising either. That's not a flaw with the law, but with governemtn contracting practices.

    And what deleterious effects?
    You're the one that needs to face reality.
    The law is working. It is doing what it was supposed to do.
    Not one GOP dire prediction has come true.

    --
    The guy who said the election was rigged won the presidency with the second-most votes.