Medicaid increases by 10 million since ObamaCare rollout

Still waiting for details on your previous policy.

 

As in? It was a policy with Coventry healthcare.

Also, it doesn't matter what info I share with you, you will still continue to be so proud of all the free healthcare given out and you will continue to tell those of us who are burdened with the cost to shut up and be happy about it, and you will continue to talk about money saved, all while ignoring the working taxpayers who are trying to figure out where the extra $400+ for their monthly premiums is supposed to come from.

 

what about those who are unable to work due to ongoing medical/mental conditions? Do we deny them medical coverage?
Because they are not working taxpayers? Or work minimum wage jobs as opposed to being on welfare?? Don't you think their needs to be a safety net for them ?

 

Those with disabilities is a whole other thing, and yes, I have no problem with them receiving their healthcare at no cost as long as their disability is a true disability, not an addicted meth head who can't hold a job. As for minimum wage workers, well, if an adult has to work a minimum wage job, they have made some horrible decisions and they need to be held responsible for figuring out what to do to have the necessities in life. It's not my responsibility. Simple as that.

 

That's what the program was intended to accomplish.

Of course, in wingnut world, it would have obviously prefereable for the ten million additional Medicare patients, and the nearly ten million Obamacare patients to do without any kind of health insurance......

 

And in the mind of liberals, no one should ever have to do without anything.

Thats part of the problem in America today, no one is expected to deal with any consequences at all. Libs think we should have this even playing field so that even that person who decides to drop out of school and do nothing with their life can still have top notch healthcare and a cell phone. Not to worry, those who furthered themselves and worked hard will pay for it, as it's the right thing to do. If there were more consequences, I would bet we wouldn't see half of the problems we see today. There would be more reason to work and better yourself since personal responsibility would be expected and if you don't do it, the consequences suck and you have to do without the things you want and need.

 

Like I said, if you have seen your rates rise considerably one of three conditions exist.
You employ mostly very young people -- the premiums have risen for them.
The policies you used to supply left you and your families exposed.
You haven't shopped the policies enough.
That is not my experience these last two years.
Oh yeah, our costs went up. But this year by only 4%.
We're used to mid teens.

As for your credit. I've got news for you.... that's not because of Dodd Frank. That's because a few big banks and their underwriter nearly melted down the economy.
Dodd Frank is in place to attempt to stop it from happening again.

There was just too much risk in the system. And yes, Dodd Frank means their cash on hand vs liability ratios are much higher. And yes they have to continually prove this health to ensure FDIC qualification on behalf of their depositors. Indeed, a business must be really healthy for the lines of credit we were once used to.

But think about what you are saying. You who seem proud to proclaim there are no longer any democrats working for you.

You desire that the banks weren't so heavily regulated so that your credit rating could get you a larger line. Essentially you want to be able to take on more risk and want your bank to be able to take on more risk -- but, I would presume, still be able to have the feds back up depositor's money to the tune of 100,000/per depositor.

Sounds to me that you want to be able to finance your cake and eat it to.
I prefer the conservative approach.

Some businesses didn't and will not survive these tighter risk parameters.
And, frankly, you and I both know -- they shouldn't.
Many fail and add to the cost of capital for those of us who run fiscally sound and conservative businesses.

Those that adapt their models will survive and prosper.
Adaptation case in point ---

With less than 25 employees you may want to consider researching (on the health exchange) individual policy costs and comparing them to your plan costs.
A friend of mine who owns and eye ware boutique found that on the exchange the exact same policy would cost him double if he provided it as a business owner to his employee than if his employee just purchased it themselves. The best reason he could get from that provider as to why the price is more for a business than an individual? The provider believed the business customer would pay more because they could. I got news for ya. That condition doesn't exist because of the ACA. That's free market modeling right there. blaming the ACA just gives the underwriter cover.

He's giving his employees a raise to cover the health insurance and will cover the deductible out of an FSA account the business set-up.
It saves him money, moves more of his profits to shelter thus helping his pnl.
His model looks even more attractive to his financial institution.

This blaming of the ACA for all of the ills of providing and getting health coverage is lazy and weak.
There's still plenty of free market principals to leverage in the system, if one gets over the change and gets to work.
It's in place exactly to help your bottom line.
And it will -- if you are willing to deal with change.

Perhaps you want to consider hiring just one democrat who can help you navigate the change.

max

 

Hello!?!
Compare your policy now to the one you had.
Welcome to the real world of personal responsibility.
Health Care is expensive
Sounds like you are just now finding that out.
Thank goodness!
The rest of us were tired of paying for the care your policy did not cover.

max

 

Keep saying it, you might believe it. I've already explained this to you but you refuse to listen because it goes against your talking points.

Please, make sure to write this post 10 more times to others who are paying for the 10 million new medicaid recipients.

 

And how dare you talk personal responsibility to those like myself who have to work harder to keep paying for all the millions who get subsidies and medicaid.

 

Talking about premium and deductible without the real details is meaningless.
Pull out the old policy. Did you ever actually read it? You know all that fine print?
Or were you fortunate to live in a state that required discolsure prior to ACA?

Did you have a lifetime limit?
What was your daily medication allowance?
What procedures were not included?

Compare apples to apples and see what you see.

You may be tired of hearing it, but it doesn't change the condition.

max

 

So you are denying that my premiums have increased so that others can have the gov't subsidies and medicaid? If not, where do you think that money comes from? You can't be this stupid, please help us out.

 

You were paying for it in health care cost.
Who the heck do you think paid for it before they were on medicaid.
Health care payments don't grow on trees.

Drop the ideology for just a moment and think it through.

max

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YES I am. It;'s the whole point of the ACA.
YOU PAID FOR IT IN HIGHER HEALTH CARE COSTS!
It costs us more to treat these folks when they show up in emergency rooms tham when they have insurance.
It's really not the freakin difficult to follow if you want to.

max

 

No, you keep saying my premiums are higher because my new plan under the ACA is so much better, and I'm telling you that my premiums are higher so that others can keep sucking off the gov't teet and get free or reduced healthcare. I know healthcare payments don't grow on trees, I have to make a payment myself every single month. Why don't you go spew your talk about personal responsibility to all your gov't moochers.

 

So now they have free insurance and my premiums doubled, yes I see how much better it is for me now. ::::rolls eyes:::::. I'm done discussing this with you, you keep telling me about personal responsibility out of one side of your face, then you tell me how I should love paying for the new millions of medicaid recipients out of the other side.

 

Seems to work just fine everywhere else that has nationalized healthcare. I don't hear any conservatives in England whining about not having to pay medical bills while walking out of the hospital/dental surgery/doctor with their credit cards intact...
Naturally there is the private option, but who in their right mind wants to pay for treatment when it is available free of charge at the point of delivery elsewhere?

 

Do you honestly believe, and I mean honestly believe that a business owner does not shop around? And, thanks for your big picture perspective. I can assure you, my employees could care less about it when they all understood what Dodd/Frank did to us. It hit small business in a way that no Democrat wishes to discuss. It hurt people. Also, did you not pay attention to the part where I said i reduced coverage to save money?

Your talking points are great, and good for you for having them. Me, I have a business to run, people to employ and I lose sleep over it every day. That is how it works when you own a business. You don't get a day off but i chose that life and expect zero sympathy for it.

How does pulling a line of credit away from a profitable business, with good credit history, actually help the country?

I'd like one Democrat politician to explain that to me.

 

I know you do not mean to completely getting read of the military. But the world is on fire and our military already stretched beyond what is necessary. Decreasing military in favor of increasing entitlement spending is a sure way for a social and national disaster.

 

Right wingers are ever so in love with their corporate welfare so this isn't likely to happen but it sure is a good idea.

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Health care costs in general are getting lower:







ACA = saving money and lives every day!

 

Can you tell me how many real new subscribers can Obamacare count toward its sucess, considering 6 mln policyholders had their policies canceled due to incompartability with Obamacare at the onset and 3 mln employer issued policies were just made incompatible with Obamacare on Thanksgiving eve?

 

Whatever you're selling, we don't want it over here!

Britain's cherished, lousy National Health Service

"Two studies show that the National Health Service performs poorly compared to other nations. Yet the British were the most satisfied with their healthcare of all the populations surveyed"

You Brittons happy with (*)(*)(*)(*)ty healthcare... Go figure

 

^ easy - that's because contrary to the right wing myth that people lost coverage, millions more now have insurance coverage thanks to ACA which continues to save money and lives every day

 

This is actually quite common.

The hardest hit customers under the old way insurance was rated were individuals and small businesses.

This is because insurance companies take the statistics of the group (that is the pool of employees) and rate that risk as a whole. So, if you're a business with 25 employees, your group is 25, and your insurance rate will reflect what the insurer has to charge to cover their considerable overhead and make a profit by fulfilling their contract for only those 25 people.

Similarly, individuals were all rateds as groups of one.

After the ACA, the exchanges took hundreds of thousands of "groups of one" and soon "groups of 25" and put then in groups of hundreds of thousands, spreading the risk.

This is the core idea, and the reason why it is largely working as planned.

Of course, there have been exceptions. And so far the GOP has shown no honest interest in working to fix the shortcomings of the law and making it work.

I expect that to change, although it will probably take another Presidential election for that to happen. In the meantime, we'll see a steady trickle of red states setting up exchanges and expanding Medicaid.

And we'll see more scare stories from people who didn't shop, didn't compare their options, and just took their insurance company's word for it.

 

A millions more, eh? How, how? Help me with the math here, friend... How many millions more now have coverage, considering 6mln policyholders had their policies canceled at the onset due to incompartability with Obamacare, and 3 mln more employer issued policies wer just made incompatible with the law, by Obama on Thanksgiving eve? How many millions more of a happy Obamacare subscribers are out there, eh?

 

Interesting article. Wages are the value of ones labor. The principles of supply and demand apply. With production jobs steadily moving overseas, mostly due to tax and regulatory burdens, the demand for labor goes down. Add to that millions of illegals pouring over the borders for decades with a complicit Government that allowed that to happen along with the amnesty's of 1986 and 2014 and you get an oversupply of labor for the diminishing demand for that oversupply and you get plummeting wages thereby increasing the wealth gap.

Obama's "Executive Amnesty" just made a bad situation much much worse.

Let's look at the components of manufacturing goods and getting them to the market place. Administration, cost of material, production, transportation and labor.

Administration:

An American company producing goods overseas typically have the bulk of their administrative staff in the U.S. and some where the manufacturing is actually done as liaison.

This creates American jobs and is good. However, it could be better if all the administration jobs were on U.S. soil

Cost of Materials:

Generally the cost of materials doesn't vary much depending on where it's made and where it needs to be transported considering import fees and tariffs of the country of manufacturing.

Companies have always shopped for this depending on the above factors and the total cost and quality.

Production:

This would include the costs of the building, taxes and energy used in the manufacture of goods to be sold.

This is where U.S. manufacturing get clobbered. Ponderous taxes and regulations both state and federal drive the cost of goods sold well above those same costs overseas. The rising cost of energy due to the "renewable's" requirements makes sure they are headed overseas.

Transportation:

The cost of getting the finished product from the manufacturing facility to the market place.

Advantage U.S. Moving goods to be sold from one place within the country to another costs far less considering distance, tariff's and import fees.

Labor:

Wages and benefits depending on the supply of labor.

Again this is where U.S. manufacturing get clobbered. Countries that pay less than $1.00 an hour for production workers have a distinct advantage over the U.S. where labor advocates are clamoring for $15 an hour for doing the same work. The Government is doing their part to drive the cost of labor down by importing and making legal millions of foreign workers.

What would you do to make the situation better considering increases in prices will result in less sales.



The price P of a product is determined by a balance between production at each price (supply S) and the desires of those with purchasing power at each price (demand D). The diagram shows a positive shift in demand from D1 to D2, resulting in an increase in price (P) and quantity sold (Q) of the product.