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Is America Ready for Obamacare?

Specific answers to questions about what Obamacare means to consumers.

by
Rich Baehr

Bio

September 12, 2013 - 12:00 am

Another sizable group of uninsured are illegal immigrants, estimated at five million or more. These individuals would not be eligible to participate in the exchanges under Obamacare, and would continue to be ineligible even under the Senate’s version of immigration reform. However, immigration-reform advocates are now pushing hard to get that provision changed.  Even if they fail, the president has shown recently that he can change immigration policy by executive order.

Overall, the number of uninsured who were locked out of the insurance market because of denial of coverage or high-priced policies was only a fraction of the total uninsured population — probably less than 20% of the total uninsured, and less than 3% of all Americans.

Because this number was so small compared to the total population, the bill was sold as insuring coverage for 50 million Americans, even though 80% of this group, if not more, could already obtain insurance either through government programs or the insurance market. Many without insurance were simply unwilling to buy insurance.

That history of non-purchase decisions is a threat to the success of the Obamacare initiative, especially with regard to the new state exchanges. Those with incomes above the Medicaid eligibility limits can now purchase policies on the exchanges with guaranteed issue, and in many cases, with a partial subsidy from the federal government.

The big question: how many who have not bought policies in the past will choose to do so starting in October?

A second question: how many individuals now provided health insurance by corporations will soon find themselves needing to navigate the exchanges as a result of decisions made by their companies? Will their employers look to reduce their hours below 30 per week, or to terminate a corporate policy and dump all employees onto the exchanges?

The Obama administration recently announced that the employer mandate to provide health insurance for full-time workers (defined as those working over 30 hours per week) for companies with 50 or more employees would be waived for a year. As a result, the next year will be an opportunity for companies to move employees from company coverage to the exchanges, since the individual mandate to buy insurance is still scheduled to begin with the exchanges opening on October 1.

The  exchanges will likely offer attractively priced policies for those with pre-existing conditions who were denied coverage, or for those who could only buy very expensive policies or were stuck in group insurance plans whose cost increased rapidly from year to year. This is also likely to be true of older individuals too young to qualify for Medicare who have seen their health insurance costs rise rapidly in the individual market.

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All Comments   (16)
All Comments   (16)
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uptil I looked at the paycheck which had said $5732, I didnt believe that...my... father in law was like truly making money in there spare time at their computer.. there friends cousin had bean doing this 4 less than 11 months and resantly cleared the morgage on their apartment and bought a top of the range Chevrolet Corvette. my latest blog post http://www.wep6.com
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45 weeks ago
45 weeks ago Link To Comment
I was just talking with a recruiter who wants me to take a new job. When it came to health care benefits, he was defensive and I was probing.

From my point of view, a very critical function of an employer is running interference on medical insurance. An individual will find it increasingly difficult to navigate the system and prohibitively expensive to get insurance. A group plan offers big advantages in information processing and in buying power.

Liberals seem to know that and intend to crush private powers wherever they exist outside government.

Of course the pre-Obamacare medical system has its problems too and politically, there needs to be a vision from free market advocates for a reform to both counter Obamacare and to improve the pre-Obamacare system.
46 weeks ago
46 weeks ago Link To Comment
If it had truly been a free market in the first place, we wouldn't have needed "reform" of the system at all.
Our (self-purchased) insurance was quite affordable till the state we live in started regulating what insurance companies had to cover for everyone, regardless of what the customer actually wanted. Then we stopped being able to purchase insurance from out of state. Then it got REALLY expensive. Now, as they gear up for compliance with obamacare, it has become absurd.
Let a REAL free market fix it.
46 weeks ago
46 weeks ago Link To Comment
When the leftstream media is done, the low-information voters will blame the coming fiasco on Republicans' failure to fix Obamacare.
46 weeks ago
46 weeks ago Link To Comment
The short answer is no, the US is not ready for this takeover.

The regime knows this but the intent was not to have a workable system but to destroy the private health insurance industry, which it is doing very well.

Thus, the people will clamor to the government to fix it all.
46 weeks ago
46 weeks ago Link To Comment
Instead of an omnibus or a CR why don't House R's just go back and do an agency by angency/committee by committee procedure like they used to. This way the entire process doesn't revolve around one component of government. When they get to the HHS portion of thr funding they can fight it out on a narrowed battlefield. It robs Democrats and the President from the blame game of pinning a government shut down on the R's. It puts all the focus of the Obamacare fight squarely on it rather than diluting it through the legitimate cries for funding of the rest of government. My guess is that the R leadership doesn't want the work or for this path TO work.
46 weeks ago
46 weeks ago Link To Comment
Clearly, the ''Affordable Care Act'' IS NOT affordable. Obama has provided a plethora of waivers ranging from unions to congress. Contrary to Obama's disingenuous rhetoric everyone in America does NOT get a "fair share." Moreover, our political & business elites do NOT play by the same rules as the public. In short, plutocrats continue to control this nation based on self-serving ends.
46 weeks ago
46 weeks ago Link To Comment
Easy answer: No.

Welcome to Policy On The Fly.
46 weeks ago
46 weeks ago Link To Comment
I can't afford health insurance, and I won't beg for Medicaid. That exhausts my control of the situation.
46 weeks ago
46 weeks ago Link To Comment
My wife has a preexisting condition. She is bipolar. We struggled unsuccessfully for months to find major medical health insurance for her. We were finally able to join a high-risk state supported pool plan. High deductibles, very basic coverage and extremely high premiums. We have now been informed that the pool will "be out of business" by January 2014 forced to quit because of Obamacare. Not to worry though, we were given a web address to "shop" for replacement insurance for my wife. The link they gave us is dead.

Welcome all to the world of Government run health care.
46 weeks ago
46 weeks ago Link To Comment
Just curious what you considered high deductibles, basic coverage and high premiums? We've had to buy our own insurance for 25 years also, and have always had high deductibles, basic coverage, and high premiums also. In the last 3 years, while the insurance company has been gearing up with compliance to obamacare, our deductibles haven't changed, but our premiums have sky rocketed. We're paying over $15K a year for a 70/30 plan with a $4K deductible. We make $50K a year. 3 years ago we were only paying $10K a year.
I suppose we're "lucky". So far, our insurance company is staying in the state. 3 of the 5 that were here have decided to discontinue coverage here.
If Obama REALLY cared about getting people covered, he'd have done something about allowing companies to provide coverage across state lines. That would make a huge difference in prices for consumers. But no, he doesn't actually believe in competition. He believes in fascism.
And yes, one point in the article was that Many without insurance were simply unwilling to buy insurance. I know that to be true. I know people who said insurance was too expensive, but they managed to always have Hawaiian vacations and new cars, dinners out several nights a week, and all the newest phones and TV's. But not medical insurance. It's too expensive.
Priorities. Government never takes human nature into account when it's running over our rights with its Sherman tanks.
46 weeks ago
46 weeks ago Link To Comment
70/30 with 10K deductible @ $9k per year for my wife alone. I'm retired and on Medicare. Our total yearly premiums run about $12k. Medication adds another $4k so retirement is not as rosy as we had hoped.
46 weeks ago
46 weeks ago Link To Comment
It's a bear. We haven't even hit our 60's yet. I shudder to think what we'll be paying before medicare kicks in. If it ever does. Good luck to you too.
46 weeks ago
46 weeks ago Link To Comment
I can tell you what Obamacare will mean to me: My insurance company has already told me that my premium will go up 30% when it takes affect.
46 weeks ago
46 weeks ago Link To Comment
ObamaCare should called Dem Vote buying Care, Bill & Hilary pushed for it in 1994 and no one wanted it, in 09 no one wanted it but the Left Liberals got their way with Obama as he pushed it thru in back door deals with low life Dems - this entire scam is a way for Dems to tell the POOR we did this for YOU now VOTE, Illegals WE DID THIS FOR YOU- now vote, Dead people we paid for your burial no VOTE 3 times
46 weeks ago
46 weeks ago Link To Comment
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