Tag: healthcare

UPS announced today that it is dropping the spousal coverage for 15,000 employees because of the cost of Obamacare.

2:40 pm

Finding out what’s in it: UPS announced today that it is dropping the spousal coverage for 15,000 employees because of the cost of Obamacare.

To the Obama administration and the Democrats, this is proof that Obamacare works. According to a spokeswoman for U.S. Department of Health and Human Services, “The health care law will make health insurance more affordable, strengthen small businesses and make it easier for employers to provide coverage to their workers.” Well, obviously!

Orwell called this kind of thinking doublethink, the ability to hold two completely contradictory statements in your brain and see nothing contradictory about it.

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The Obama administration has failed to meet more than half of the deadlines mandated by Obamacare.

9:36 am

Ignoring what’s in it: The Obama administration has failed to meet more than half of the deadlines mandated by Obamacare.

Meanwhile, here’s another example of a company switching all of its workers to part-time to avoid Obamacare. The result is that those employees will not only earn less, they will lose their company health insurance. So much for Obama’s promise, “If you like your healthplan you keep your healthplan.”

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The Obama administration has quietly decided to arbitrarily delay implementation of another Obamacare requirement.

9:25 am

The law is such an inconvenient thing: The Obama administration has quietly decided to arbitrarily delay implementation of another Obamacare requirement.

The New York Times first reported on Tuesday that the administration is giving some insurers and employers a one-year grace period to adhere to the limit, which otherwise would have capped individual costs at $6,350 a year. The full requirement will go into effect in 2015, rather than 2014. The change means some employers — namely, those with more than one benefit provider — could use plans with higher limits or no limit at all on out-of-pocket costs during that period. The grace period apparently was granted earlier this year, though was buried in reams of regulatory material and was not publicly reported until now. Department of Labor guidelines published in February had addressed the delay.

As Rand Paul (R-Kentucky) correctly notes, “The president doesn’t get to write legislation, and it’s illegal and unconstitutional for him to try and change legislation by himself.”

By allowing a president to do this kind of thing, we are losing our democracy.

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How Obamacare discourages people from making more money, discourages businesses from hiring, and discourages everyone from becoming better than they are.

4:42 pm

How Obamacare discourages people from making more money, discourages businesses from hiring, and discourages everyone from becoming better than they are.

But we all know that the real and only reason I mention these unfortunate facts about Obamacare is because Obama is black and that I’m a racist.

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An inspector general report has found that the 24 health co-ops formed under Obamacare are going bankrupt, even before they have opened.

9:20 am

Our government at its best: An inspector general report has found that the 24 health co-ops formed under Obamacare are going bankrupt, even before they have opened to their first customers.

And that’s not all:

Examiner Watchdog investigative reporting project focused on the co-ops began in 2012 and has since uncovered extensive evidence of financial mismanagement, conflicts of interest, failure to file required tax returns, inadequate capitalization and evasion of public disclosure requirements such as the federal Freedom of Information Act. A recent Examiner survey found, for example, that all but one of the 24 co-ops failed to file required tax returns, and several may invoke a highly questionable loophole allowing them to avoid doing so in the future. Even more troubling, two of the co-op loans were awarded to organizations headed by individuals with questionable backgrounds, the Examiner has learned, including an insider trading conviction and a history of child sexual abuse.

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The Obama administration has given Congress and its staff a waiver so that they will not have to pay the full cost increase imposed by Obamacare.

4:09 pm

The law is for the little people: The Obama administration has given Congress and its staff a waiver so that they will not have to pay the full cost increase imposed by Obamacare.

No waiver for anyone else, however. You gotta pay, tough luck. You ain’t an important member of the Washington elite, the royal class, the superior smarter set that makes the laws you (and not they) have to follow.

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The government is months behind in testing the security arrangements of Obamacare.

4:33 pm

O goody: The government is months behind in testing the security arrangements of Obamacare.

“They’ve removed their margin for error,” said Deven McGraw, director of the health privacy project at the non-profit Center for Democracy & Technology. “There is huge pressure to get (the exchanges) up and running on time, but if there is a security incident they are done. It would be a complete disaster from a PR viewpoint.” The most likely serious security breach would be identity theft, in which a hacker steals the social security numbers and other information people provide when signing up for insurance.

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Two graphs that show the depressing trends of the work force for the past twenty years.

12:40 pm

Two graphs that show the depressing trends of the work force for the past twenty years.

Both reveal that, since the crash in 2008-2009, there has been absolutely no uptick, despite the desperate repeated claims of the Obama administration. The American work force, and the economy that work force represents, has shrunk, and shows no signs of recovery.

There is a solution, but no one really wants to risk trying it in our Soviet-style society.

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Of the almost 1 million jobs created in 2013, 77% are part-time.

9:16 am

Thank you Obamacare! Of the almost 1 million jobs created in 2013, 77% are part-time.

Politicians can live in a ivory tower, devising fantasy plans to remake society, but employers who wish their businesses to survive have no choice but to live in the real world. Obamacare makes hiring full time employees too expensive, so to get the help they need the employers of America are converting their staffs to part-timers.

The long term problem with this is that it will be impossible for businesses to really innovate and compete under these conditions. Moreover, the employees themselves will be poorer, either earning less or working more, while actually getting less healthcare insurance coverage.

And for this we can thank Obama and the Democratic Party. Praised be their names!

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The cost of complying with Obamacare is forcing insurance companies to abandon many state markets.

6:23 pm

Finding out what’s in it: The cost of complying with Obamacare is forcing insurance companies to abandon many state markets.

In February 2010, a month before passage of the law, Obama explained at a bipartisan health care summit at the Blair House, “What we’ve said is that if you join one of these exchanges, you will have choice and you will have competition. You will have a menu of private insurance options that you’ll be able to purchase.”

Increasing the number of insurance options for individuals was one of the key ways in which Obama claimed the law would be able to drive down insurance costs. But with less than 70 days before the exchanges are set to open, large insurers are pulling out of states as a result of the health care law, resulting in less choice for consumers, not more.

This is exactly what happened in New York in 1992 when the state legislature passed a law with many of the same components as Obamacare. Insurance companies fled the state, and premiums went up.

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A GAO report has found that heath insurance premiums will skyrocket next year when Obamacare takes effect.

9:31 am

Finding out what’s in it: A GAO report has found that heath insurance premiums will skyrocket next year when Obamacare takes effect.

Starting next year, a 30 year-old earning $35,000 per year would have to pay $2,739 annually for a cheap “bronze plan” on the new health insurance exchanges, even after receiving subsidies, according to the Kaiser Family Foundation’s subsidy calculator. That’s more expensive than any state in the current system, and seven times more expensive than in the cheapest state, Nebraska, where premiums are currently as low as $349 annually.

Even an otherwise comparable 30 year-old earning $25,000 next year, who would qualify for more generous Obamacare subsidies, would have to pay $1,142 annually for a “bronze plan.” That’s still more expensive than current cheap rates in 45 states, and double the current cost in 19 states.

The article has a fascinating table outlining the minimum cost for healthcare in all fifty states. Not surprisingly, in the states that have Obamacare-type regulations, such as Massachusetts and New York, the cost for heathcare is far higher.

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According to a new poll, only 11% of doctors believe that the Obamacare health exchanges will be open for business on October 1, as mandated by the law.

11:24 am

Finding out what’s in it: According to a new poll, only 11% of doctors believe that the Obamacare health exchanges will be open for business on October 1, as mandated by the law.

I found this tidbit from the article, however, far more disturbing, as it describes a detail of the Obamacare exchanges that will surely cause doctors incredible financial pain, and will likely cause them to demand all payments up front:

Jackson said that doctors who don’t have an understanding of those coverage terms could be in for a nasty surprise once the new plans go into effect. That’s because under the rules of the exchange, a patient can go up to three months without paying premiums and still not get their coverage formally dropped by an insurers—but the insurer isn’t obligated to pay claims incurred during the second and third month if that person isn’t paying their premiums for that time, Jackson said. Those rules could mean that doctors end up eating the cost of the care they have already provided, or have their receivables stay unpaid for longer stretches of time. [emphasis mine]

In other words, the law is tilted to allow patients to stiff both their doctors and their insurance companies. How precious.

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A survey shows that three quarters of all small businesses still plan to fire workers and cut hours in 2014 to avoid Obamacare, even though the Obama administration says it will not enforce the law unitl 2015.

2:39 pm

A survey shows that three quarters of all small businesses still plan to fire workers and cut hours in 2014 to avoid Obamacare, even though the Obama administration says it will not enforce the law unitl 2015.

This makes sense. The law is still the law, even if the Obama administration won’t enforce it. If a business doesn’t cut the hours or the number of its workers to avoid the Obamacare mandates, but then does not provide those mandates, its employees can then sue the business and likely win.

The result: Expect the economy to tank next year as this turkey of a law takes hold and chokes the life out of American enterprise.

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Among many other valid points, the Wall Street Journal notes the “lawless” nature of the Obama administration’s announcement yesterday that it will not enforce one legal requirement of Obamacare in 2013.

7:49 pm

The law is such an inconvenient thing: Among many other valid points about the disaster that is Obamacare, the Wall Street Journal notes the “lawless” nature of the Obama administration’s announcement yesterday that it will not enforce one legal requirement of Obamacare in 2013.

This selective enforcement of laws has become an Administration habit. From immigration (the Dream Act by fiat) to easing welfare reform’s work requirements to selective waivers for No Child Left Behind, the Obama Administration routinely suspends enforcement of or unilaterally rewrites via regulation the laws it dislikes. Now it is doing it again on health care, without any consultation from, much less the approval of, Congress.

Sadly, this contempt for the law is becoming rampant. Worse, though the Democrats have generally been the worst offenders, this contempt has not been a partisan affair. Republican politicians have participated as well.

And who will suffer? Not the politicians. It will be the ordinary innocent citizens, who merely want to live their lives freely without hindrance, who will pay the cost.

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The White House today announced that it is delaying until 2015 the requirement in Obamacare that companies with more than 50 employees offer health insurance.

4:27 pm

The Obama administration finds out what’s in it: The White House today announced that it is delaying until 2015 the requirement in Obamacare that companies with more than 50 employees offer health insurance.

The law requires companies that employ 50 or more workers to offer coverage or face fines. The Treasury Department and the White House said that, based on complaints by employers that the system for reporting the coverage was too onerous, they would simplify that system and give employers an additional year to comply. “We have heard concerns about the complexity of the requirements and the need for more time to implement them effectively,” Mark J. Mazur, the assistant secretary for tax policy at the Treasury Department, said in a statement posted online. “We have listened to your feedback. And we are taking action.”

The mandate was originally set to kick in for 2014, but will now start in 2015. The decision effectively means that penalties that would have been assessed against non-compliant businesses will be delayed until 2015. The administration encouraged employers to provide insurance anyway.

In other words, they are finally discovering what everyone on the right has been saying for three years: Obamacare is an unworkable law that is also killing business and industry. Look for increasing numbers of Democrats willing to join with the Republicans to repeal is incredibly stupid law.

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The Obama administration issued finalized rules Friday allowing religious-affiliated organizations opposing the use of contraception to opt out of the Obamacare mandate

11:40 am

The Obama administration issued finalized rules Friday allowing religious-affiliated organizations opposing the use of contraception to opt out of the Obamacare mandate.

While this might suggest the Obama administration has backed down, the rules appear very complex and will probably not work for many religious organizations. Moreover, what about individuals or private companies (such as Hobby Lobby) that also object for religious reasons?

As always, if you nonchalantly rely on the government to dictate the rules for everyone, you guarantee those rules will oppress someone along the way.

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The toxic combination of Obamacare and the proposed Senate immigration bill would create a big financial incentive for employers to hire non-citizens.

5:52 pm

Congress passes a law: The toxic combination of Obamacare and the proposed Senate immigration bill would create a big financial incentive for employers to hire non-citizens.

Under Obamacare, businesses with over 50 workers that employ American citizens without offering them qualifying health insurance could be subject to fines of up to $3,000 per worker. But because newly legalized immigrants wouldn’t be eligible for subsidies on the Obamacare exchanges until after they become citizens – at least 13 years under the Senate bill – businesses could avoid such fines by hiring the new immigrants instead.

Not surprisingly, the idiots who voted for this immigration bill haven’t read it and have no idea this problem exists.

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Two reports issued today have concluded that implementation of Obamacare by the federal government is behind schedule.

9:17 am

Two reports issued today have concluded that implementation of Obamacare by the federal government is behind schedule.

I’m not surprised, considering the opposition to the law combined with its draconian complexity. Even angels — with to cooperation of God and everyone else — would have trouble implementing this mess. Without that cooperation is will be next to impossible.

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A recap of the broken promises of Obamacare.

9:58 am

A recap of the broken promises of Obamacare.

Most of these will be familiar to regular readers of Behind the Black, though the article lays them out very clearly. However, this one is a new one to me:

If your state ran a program to help the uninsured, that’s also a violation, because Insurance is what the ACA is all about. It’s a mandate that you purchase insurance. Any unique solutions generated in one of our 50 incubators must stop even if they have served people well, because they will be in violation of the Affordable Care Act. One of the most successful state Medicaid systems was denied a waiver by the Obama administration despite its proven track record. The worst part of one-size-fits-all solutions is that they are tailored for no one. [emphasis in original]

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A Democratic Congressman thinks it “is simply not fair” to make his staffers subject to Obamacare like everyone else.

9:31 pm

My heart bleeds: A Democratic Congressman thinks it “is simply not fair” to make his staffers subject to Obamacare like everyone else.

The problem it seems is that

Dozens of lawmakers and aides are so afraid that their health insurance premiums will skyrocket next year thanks to Obamacare that they are thinking about retiring early or just quitting. The fear: Government-subsidized premiums will disappear at the end of the year under a provision in the health care law that nudges aides and lawmakers onto the government health care exchanges, which could make their benefits exorbitantly expensive.

Well, ain’t that just too damn bad. As I say, my heart bleeds.

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According to Ohio’s Insurance Department, Obamacare will cause healthcare rates to rise next year by 88 percent.

9:55 am

Finding out what’s in it: According to Ohio’s Insurance Department, Obamacare will cause healthcare rates to rise next year by 88 percent.

What are the drivers of the increase? According to Milliman, the two biggest drivers are (1) risk pool composition changes, such as forcing the young to subsidize the old, and the healthy to subsidize the sick; and (2) Obamacare’s required expansion of insurance benefits, particularly its mandated reductions in deductibles and co-pays.

This is a significant concept to understand. Some people have the impression that the main reason that rates are going up under Obamacare is because of the law’s requirement that insurers cover people with pre-existing conditions. But that accounts for only a fraction—around a quarter—of the rate hike. The rest comes from all the other things that Obamacare does, such as forcing people to buy richer insurance benefits; to buy products with all sorts of add-ons they might not need; to pay Obamacare’s premium tax; and to pay a lot more, if they’re young, to subsidize older individuals.

In other words, you won’t be able to buy the plan you want. Obamacare forces you to buy a more expensive plan, even if you don’t need it.

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Like your health insurance? You may be losing it.

3:43 pm

Like your health insurance? You may be losing it because of Obamacare.

I like this quote best:

“You’re going to be forcibly upgraded,” said Bob Laszewski, a health care industry consultant. “It’s like showing up at the airline counter and being told, ‘You have no choice, $300 please. You’re getting a first-class ticket, why are you complaining?'”

Sadly, I don’t think it will be this good. Many will decide the first class plan is simply unaffordable, and will instead opt out, paying the IRS fine instead. The result, fewer people having health insurance.

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