Name:	lucky67 -	Reply
Subject:	Jobs
Date:	3/6/2015 8:37:39 AM

ok Logic says:as unemployment drops, more people working--thus those people should come off Obama Care & less should sign up

Name:	copperline -	Reply
Subject:	Jobs
Date:	3/6/2015 9:58:58 AM

Not exactly.    Healthcare.gov isn't just a welfare program for people who are unemployed & disabled..... it's the same policy you can purchase directly from the insurance companies outside the marketplace except you can participate in an insurance pool with other subscribers.  It's a way for everyone to get the benefits of group rates, to not be faced with the prohibitive prices of individual policy pricing....or employers who change their employee healthcare policies annually in response to their needs to hold down expenses.

That's exactly the concept behind employer-sponsored insurance pools, except the policy is portable (you keep it when you change jobs) ... and (if you qualify for tax credits), your premiums are adjusted to your income.  If you don't qualify for tax credits, you pay a premium just like any other medical insurance plan....based on group rates.

I'm glad unemployment is down, more people can have salary income & healthcare insurance....  The ACA simply gives us a much needed option we didn't have before.   I expect that more businesses will opt to direct their employees to Healthcare.gov in the future and rid themselves of the hassles of managing small group policies.... this a headache most employers would be glad to be rid of.

Name:	wix -	Reply
Subject:	o-BAMAcare's $6,000 deductible
Date:	3/6/2015 11:20:25 AM

Really insures everyone will be on Medicaid sooner or later.  Absolutely the most stupid part.

Name:	wix -	Reply
Subject:	Mistake..Family Deductible is $10,545
Date:	3/6/2015 11:28:48 AM

Sorry, my mistake.  Family deductible is above.

Name:	GoneFishin -	Reply
Subject:	Employment and Obamacare
Date:	3/6/2015 12:27:33 PM

Obamacare has helped many become self employed with health benefits. Most who are oppossed have health benefits.and follow a party line with their talking points. I wonder if the same would opposse Medicare if it were on the drawiing board? I suspect they would yet it allows sick seniors to have insurance with full coverage for pre existing.It has extended the lives of millions in this country. Yet, it is a single payer health program.

Name:	wix -	Reply
Subject:	Employment and Obamacare
Date:	3/6/2015 3:41:45 PM

Yeah buddy, that Medicare is some wonderful freeby.  Paid SS and Medicare taxes my whole working life, now my wife and I pay over $7,200 per yr for Medicare B, Supplemental, and Drugs, Part D.  That's some wonderful "single payer" system.  Goofy, you are so much fun......

Name:	GoneFishin -	Reply
Subject:	Employment and Obamacare
Date:	3/6/2015 9:08:32 PM

Never said it was FREE.

Come on now. Medicare with  Supplement $0 deductible coverage. No network or referrals. Over 65 with full coverage including D for $300/month each for you and wife  and you are complaining. Just like the Right...give it to me FREE. For your sake, I hope your supplement is  rated based your age at entry (.ie AAPR) rather than attained age that increases each year as you get older regardless of the plan experience.

Attained age is cheaper when you join but catches up as you age and can get quite expensive.

Name:	wix -	Reply
Subject:	Goof Head - Dance, Dance, Shuffle, Shuffle
Date:	3/6/2015 10:30:46 PM

In one post you tell us how wonderful single payer is, then you pull the o-BAMA B.S. shuffle and say, "oh well I didn't say it wouldn't cost anything"  BS.  My last insurance payment before Medicare was about $100/month more than it was after I went on Medicare, after you have to add all the extra commercial coverages Medicare won't pay.  Don't tell us about how wonderful single payer is......it's about as good as every other gubment funded program is.....

BTW, I noticed you did not respond to my post about the o-Bamacare deductible of $10,545/yr for a couple so called insured under your beloved ruler's wonderful insurance program....now that really sucks.

Name:	wix -	Reply
Subject:	Employment and Obamacare
Date:	3/6/2015 10:31:48 PM

I missed the stupid response you deleted.  What was it?

Name:	MrHodja -	Reply
Subject:	Goof Head - Dance, Dance, Shuffle, Shuffle
Date:	3/6/2015 11:24:52 PM

Goofy simply ignores the inconvenient.  Must be nice to live in his world....except we know his world is not sustainable.

Name:	GoneFishin -	Reply
Subject:	Obamacare Deductible
Date:	3/6/2015 11:42:49 PM

Your example is the deductible for the least expensive plans.... Catastrophe and Bronze. They are the low premim high dedcuctible for those who   are healthy. The plans go up in premum and lower the deductible so that someone who has health issues can pay a higher premium with lower deductible. The low plan Bronze that you quoted is designed to pay 60% of the medical expenses while the Platinum plan is designed to pay 90% of the expenses.

Name:	GoneFishin -	Reply
Subject:	Goof Head Doesn't Dance
Date:	3/7/2015 12:13:45 AM

 If everything  I write is BS to you, then I am either a BS artist Class 1 or wasting my time responding. You may disagree or not understand, but tell me what was BS?

I never said Medicare is free. It is common knowledge that Part B...doctor visits will cost you based on your income. I can't comment on your plan before you beccame eligible for Medicare. Was it a Company plan with employer contribution? Where you paying the entire premium? Was it 100% coverage with no deductibles like your combined Medicare and Supplement plan? 

Remember, a 90 year old pays the same Medicare premium as you. It is one big pool... the younger seniors subsidize those who are older. Healthy subsidize those who are sicker. So, your premium may seem high to you but the 90 year old gets a bargain. It is like school taxes for seniors. You pay it and subsidize those with kids. Someone did it for you when your kids went to school.

Name:	wix -	Reply
Subject:	Goof Head CAN'T Dance
Date:	3/7/2015 10:15:22 AM

O-BAMAcare was sold to the dimokrap world as a way to insure the "uninsured".  With that excuse, it is reasonable to assume that first time purchasers are not going to go for the Platinum (extra expensive policies); therefore, the Bronze policy terms are stated most often.  Wonder how many of these o-BAMA insured can afford the $10,545 deductible before they get any coverage.....few, if any.....this just shows how the bait and switch dimokrap program works.  Goof, I do have a clear understanding of how insurance really works.  I would love to see the honest number of "insured" that have actually paid for o-BAMACare policies...not the millions whose health policies were cancelled for non-conformity who have been counted, but the real ones....  BTW, I was self-employed and paid all of my pre-Medicare premiums....to answer your question above.

Name:	architect -	Reply
Subject:	Tell me all you free marketeers
Date:	3/8/2015 2:15:26 PM (updated 3/8/2015 2:19:25 PM)

If Obamacare is so disasterous and such a threat to our "private" healthcare system, then why did insurance and other healthcare related stocks spike last week when Justice Kennedy asked questions that made it appear he might side against the plaintiffs?

Several years ago during the healthcare debate I posted my belief that the secret to controlling health insurance costs was to mandate that each and every individual citizen or family be required obtain private health insurance directly or through a government exchange with no refusal permitted due to pre-existing conditions, age, sex, race etc.  Those who could not pay would receive subsidies or tax credits.  NO employer would be permitted to provide health insurance either fully or partially paid by either employer or employee. Businesses would be completely out of the health insurance equation. This would bring true competition to health insurance because each citizen begins to shop around for coverage.  I believed this then and still do today.  At the time MM even had some kind words for my proposal.  Obamacare got us part of the way there and the yearly increase in premiums has slowed drastically (FACT) and in 18 months the percentage of uninsured has dropped more than 20% from over 17% uninsured to under 14% (FACT). In KY and AR, where democratic governors managed to get state exchanges established, the number of uninsured has dropped 55% and 45% respectively (FACT).

Name:	wix -	Reply
Subject:	Archy - pie in the sky
Date:	3/8/2015 7:31:51 PM

Answer to first paragraph--o-BAMA bought off the insurance industry with his packet of lies and they restructured their business to screw the insured for the benefit of the hallowed one.  Panic is rampant in the insurance industry because SCOTUS may kill o-BAMAcare and kill their grand plan at the same time.  Stock will fluctuate with the mood of SC.

Your utopian theory of a perfect healthcare world is just that---an impossible theory.  Fact:  Private industry's intelligence far exceeds that of politicians and bureaucrats. 

Name:	architect -	Reply
Subject:	WIX...read the dang post
Date:	3/8/2015 8:00:21 PM (updated 3/8/2015 8:08:44 PM)

Please show me where my "Pie in the sky" proposal advocates anyone other than the private providers offering health insurance.  I specifically make it clear that the private insurance carriers would continue to provide the policies, collect the premiums and pay the claims.  The only people that would no longer have any involvement is the employer...a responsibility I suspect most would gladly give up. The whole idea of employer provided health insurance did not arise until WW II when it became a way to keep employees during a time when a manpower shortage made keeping workers of paramount importance.  Why should your employer be involved in your health insurance any more than any other type of insurance.  Good grief...you people are hopeless.  No idea is ever of any worth unless it is offered by a rightwinger.  The idea itself is not important...only where in the political spectrum it comes from.

Name:	copperline -	Reply
Subject:	Tell me all you free marketeers
Date:	3/8/2015 8:15:09 PM

  My neighbor is in an very difficult pickle.  (No BS, this is really happening next door....).   At 64, he is 2 years away from retirement from a 30 yr career in the construction industry.   He works for a large national company, and is a well-paid manager.   His wife is 10 yrs younger than he is and will need private insurance for about 10 years after he becomes Medicare eligible.

And his company is moving him to Iowa.

With 20 yrs of equity in his home, 2 yrs from retirement... he has no interest in goingto Iowa & is adding up the costs of what is being forced on him:   Should he  take whatever he can get for his home and buy another one in Iowa?  What will be the real costs moving so far away from friends & family?  One thing is for sure, he is being forced to make a life-changing decision ... and soon.

I talked to him about the benefits of buying insurance from the ACA-created insurance pool, but he is opposed right now.   He says he is suspicous of Obamacare, but admits he hasn't researched it.   He hasn't looked into it because he's heard so much talk about how bad it is.  But moving to Iowa solely to keep his medical insurance doesn't make a lot of sense to him either.     If he buys a policy thru the federal exchange, he has the option to change jobs and remain in his home.    If he has a cut in salary (which is very likely to happen), he can get insurance with complete portability.   Hs family's healthcare will not be contingent on the demands of his employer... and he has more options.  

It makes all the sense in the world for this fellow to participate in Obamacare and no sense at all to incur the risks of a forced job transfer if he can avoid it.   There could be lots of advantages to him.  In the event of a drastic change in his income, his premiums could be adjusted by the tax credits.  His wife will be protected until she become Medicare eligible in 10 yrs.   He doesn't have to sell his home and move.  

He is comfortable with employer-group coverage because it has always worked this way, I get that.  Yet he is in a huge bind.   With Obamacare, there are options he wouldn't otherwise have.  

That's why its a good thing.

Name:	wix -	Reply
Subject:	Archy
Date:	3/8/2015 8:26:01 PM

Let's talk about how you dimokraps are gonna convince your beloved unions to give up control of healthcare contracts.  Unions are dying and healthcare is about their last finger hold.  How ya gonna do it?

Name:	wix -	Reply
Subject:	Tell me all you free marketeers
Date:	3/8/2015 8:35:21 PM

Most of us face similar decisions and close to retirement decisions are difficult.  Your simplistic explanation leaves out all the critical points so that you can attempt to make a point about o-BAMAcare.  I agree portability is an advantage, but at what cost.  How long to retirement?  How much loss if he doesn't move.  As usual, your point leaves far too much information in the dark....kinda like Billary's emails. 

Name:	copperline -	Reply
Subject:	Tell me all you free marketeers
Date:	3/9/2015 12:50:30 AM

I didn't leave anything out and you are right.... portability is a good thing.   You can thank Obamacare for making that possible.

Name:	wix -	Reply
Subject:	Copper boy
Date:	3/9/2015 10:03:25 AM

Your over simplified example leaves way too many variables not involving insurance.  Is the capital gain in his house $10 Mil or $100 K?  He has insurance portability and insurance for wife now, so insurance is not a factor if he moves.  Is he fully vested in his retirement with company, if not, he's going to Iowa.  If he retires and stays, does his company offer insurance as part of package?  His career decision does not depend on o-BAMA's whims ( insurance).  

Name:	GoneFishin -	Reply
Subject:	Hey Wizard Wix
Date:	3/9/2015 2:39:15 PM

You just can't accept the truth. The guy is against Obamcare cause of what he has read from people like you. It gives him the freedom to make decisions about his future that most did not have 2 years ago. He can even start his own business and have health insurace available for his wife while he is covered by COBRA. 

I hope the Supreme Court rules against the Government and we will see how the Right in Congress handles it. What would be you approach? The Right had 8 years under Bush and did nothing to extend coverage. You guys bit** without solutions. Then you pi&& and moan when something is passed.

Name:	wix -	Reply
Subject:	Goofdummy
Date:	3/9/2015 4:25:36 PM

Now you dun dunnit.  COBRA has nothin' to do with oBAMAcare.  COBRA has been around for years.  If He quits he gets to choose between COBRA and idiotcare.  If he goes with idiotcare he may lose his doctors...in spite of what the head idiot lied about.....and his deductible will go sky high.  Enough trying to educate you three libs, I'm outta here.

Name:	GoneFishin -	Reply
Subject:	WIZARD WIX
Date:	3/9/2015 4:58:37 PM

Let me restate it for you. He is 64 so COBRA will take him to Medicare. The issue is the wife. Never suggested that COBRA was part of Obamacare.  Now, with Obamacare seniors like you can marry a young chick and cover her with Oamacare while you use Medicare.

Name:	copperline -	Reply
Subject:	WIZARD WIX
Date:	3/9/2015 6:58:37 PM

Well, my neighbor certainly doesn't think this is a simple situation.   It's a financial crisis.   First, selling his home won't be an easy fix... nobody wants to put their property on the market as a 'distressed seller', that's a sure way to lose ground (and capital gains).   Imagine the complications he faces.    How long will he have to wait for a buyer and a price he would want?  Should he invest in another home in Iowa knowing that he will only want to live there 2 years?     Most important is that the home is the one he was preparing to retire in, and has been integral to his retirement planning.   Ultimately, he also has to factor in the incalculable costs of moving away from friends and family...    And, of course, this may not be the last time his job wants him to move.   All in all, he was heading into a good, well planned & secure retirement.... and is now wrestling with the real possibility of financial damage at the worst possible time.

My point is that the ACA is giving him some options he would not have had otherwise, he could use it to continue with his retirement plan and protect his family.   I also wanted to point out that he is suspicious of Obamacare for vague and unexplored reasons, based on loose talk, rumor and supposition.   

I am finding that people who are opposed to the ACA frequently comment that they are in favor of portability, in favor of not excluding people from coverage due to pre-existing conditions, and like the option of keeping family members on policies until age 26 if they wanted to.   They endorse & welcome these changes, but are still strongly opposed to the law that created the changes they support.   That doesn't make much sense to me.

If only a Republican governor had been the author of the same plan.......  and implimented it so that we could see how it worked first.    

To bad people don't remember it like that.

Name:	GoneFishin -	Reply
Subject:	Hey Copperline
Date:	3/9/2015 7:37:30 PM

First, understand I support Obamacare.

I have little sympathy for your neighbor. He is not dying of some incuable disease. He is not losing his job...he is being transferred just like millions before him. He does not have to pull kids out of school. He has an opportunity to live in another part of this great country. He can rent his house until he decides to retire and move back. His problem is that he is just insecure. Tell him to be thankful he has an opporunity to transfer and to suck it up and go rent an apartment in Iowa. It is neat to live in another area and to meet new friends.

I have lived ini CT..NJ..FL..AL..GA and have friends in each of those states.  Some on the Right and some on the Left.

Name:	h_hob -	Reply
Subject:	Hey Copperline
Date:	3/9/2015 7:58:28 PM

GFY, you lie as much as obama.  You have no friends on the right.  It's a shame your mother didn't teach you, "You can go to Hell for telling a lie, just the same as stealing."

Name:	JohnGalt -	Reply
Subject:	WIZARD WIX
Date:	3/9/2015 8:15:32 PM

What was the number one reason that dems lost seats in both houses. 

Name:	copperline -	Reply
Subject:	Hey Copperline
Date:	3/9/2015 8:57:00 PM

Points well taken, and true.   He isn't one of those folks hanging on by a thread in this country, but I intentionally mentioned him because I thought that too much of the narrative about Obamacare has been that it's a rigged welfare program for single mothers.  It's important to talk about the realities of the ACA for people who are successful, have worked hard & built something for themselves... and find that the realities of the marketplace can really blow up their personal financial plan.   I get that the Right is totally opposed to all things Obamacare, but also note that we are beginning to hear about parts of the law that nobody would want repealed... 

And how it is beneficial to the Middle Class (like this forum)....  who might reconsider their opposition.

Name:	architect -	Reply
Subject:	FACE IT PEOPLE
Date:	3/9/2015 9:03:13 PM

Most of you nuts on this forum would be singing the praises of of the ACA if it had been approved lock, stock and carbon copy in 2005 and today was universally known as W-care!!  If Obama announced he was so disenchanted with the democrats he was resigning from the party and joining the GOP most of you would switch parties because you refuse to be in any group Obama is associated with.  You hate him so much you dispise having to breath the same air.  I have been following politics since the Eisenhower years and have never seen such lack of comity and willingness to accept that the "other side" may occasionally make a reasonable point!!

Name:	JohnGalt -	Reply
Subject:	FACE IT PEOPLE
Date:	3/9/2015 9:14:47 PM

My point is that it was not just the people of this forum that voted against obamacare but voters nation wide. Candidates from the left tried to distance themselves from him. 

Name:	wix -	Reply
Subject:	Let's review o-BAMAcare
Date:	3/9/2015 10:26:35 PM (updated 3/9/2015 10:55:58 PM)

The reason for your.beloved forced insurance program was to insure the Un-insured, and for that goal o-BAMAcare is a miserable failure.  There are 30-40 million uninsured people in the US, and the idiot won't admit to how many un-insured O-BAMAcare (OC) has insured...probably 2-3 million, a few million more were put on the welfare ins Medicaid which has nothing to do with OC.  The idiot (O-BAMA) lies to exaggerate his proclaimed success of the program, but won't validate it.  Why did he have to turn the whole industry upside down to gain a couple million new insured?  Makes no sense.  Is insurance portability nice, sure, but that could have been accomplished with a simple law as could pre-existing condition ins--my family experienced this problem and were easily covered with a state run program covered by the ins companies selling in that state.  Easy to fix nationwide.  The move for gubment required ins is quite simply a power grab to further control citizens.  Healthcare represents 10% of GDP and the future of the industry is in doubt....is that a threat to America....You Betcha...

Why do Americans hate O-BAMA?  No, not because of his tan color, it's because of his policies, and his obvious hatred of Americans.  Name one positive thing he has done for Americans....Just One.  This vile man deserves no respect, and gets little.

BTW, the 11 million the idiot claims to have insured under OC include the several million (5-6) who had their policies cancelled as non-conforming plus an untold number who, for whatever reason bought OC....maybe true dimokraps, maybe 50,000 of 'em.

Name:	GoneFishin -	Reply
Subject:	Let's review o-BAMAcare
Date:	3/9/2015 11:17:11 PM

What's your point? That Obama is tan and you are a racist?  Hey Dude, why didn't the idiots in your party solve the issue if it is so easy? You rant and rave with no solution except they could do this and that. They sat on their fat azz so the Dems did something. Perfect...he^^ no...but they at least did something just like your hero Romney did in MA. 

Name:	copperline -	Reply
Subject:	Let's review o-BAMAcare
Date:	3/9/2015 11:21:16 PM

about pre-existing conditions, you said ' our family had the same probem, but was able to easily get coverage thru state run program covered by the insurance companies that sell in this state".    Why would you NOT want a similar program to be available to everybody?