What Every American Should Know – Minus the Parts We Don’t Want You To Know

dem healthcare reform

Okay… So, I got this from the Obamacare Explained website. They have it listed by bullet point. Let’s go over it… Shall we?

Here is a simplified ObamaCare explanation of what every American should know about our new health care law. The Affordable Care Act (ACA) does a lot, luckily most of us don’t need to know the details, let’s take a look at what we do need to know:

Uhm… ⏰ Ding Ding Ding So, what you’re saying, essentially, is… drop your pants, bend over and enjoy the ride!

• ObamaCare does’t create health insurance, it regulates the health insurance industry and helps to increase quality, affordability and availability of private insurance.

So, you (the government) are going to take over the healthcare industry? Kinda like when ya took over the auto industry…? Y’all did a bang up job with that one. One can only hope you do half as good with the medical industry.

• Most people who currently have health insurance can keep it.

Suspicious use of the word “most”. Perhaps figuring out who is ‘most’ is one of those details we don’t need to worry our pretty little heads with…

• Young adults can stay on their parents plan until 26.

Well thank goodness. It’s becoming so expensive to put a roof over my adult child’s head. This will help a lot. Never mind the fact that he doesn’t have a job, sits in front of the TV all day, playing video games and eating donuts. It’s all good though. When his heart fails at 30 – he’ll have insurance!

• If you don’t have coverage, you can use the new Health Insurance Marketplace to buy a private insurance plan.

What is this new “Health Insurance Marketplace”? This falls under things our pretty heads don’t need to worry about, right? There’s more than just one plan? Not just “insurance”…? Or is this where we choose between wanting coverage that will inject collagen in my head or that new kidney I’ve been waiting on?

• Open enrollment in the Health Insurance Marketplace goes from October 1st, 2013 to March 31st, 2014.

What? No exemption?

• If you don’t obtain coverage or an exemption by January 1st, 2014 you must pay a per-month fee on your federal income tax return for every month you are without health insurance.

Whoa Whoa Whoa… If I don’t have insurance because I can’t afford it and I don’t get insurance because I can’t afford it, I’m going to pay a fee for not getting something I can’t afford to buy…? It’s kind of like charging me a fee for not spending money I don’t have. And I thought the banks were bizarre for charging me a fee, which I don’t have, when I DID spend money I didn’t have… I’m dizzy. Who ordered waffles…?

• In 2014 the fee is $95 per adult ($47.50 per child) or 1% of income, whichever is higher. The family max is $285.

Oh sheesh. Where do I start…? “In 2014…” meaning that in all subsequent years the amount “could” change? $95 per month – per adult -or- 1% of my income, whichever is HIGHER … Okay, so now that fee you’re charging me for not having insurance I can’t afford is a fee based on the MOST amount of money you can get out of me and not the least? Wait… How is this helping me again? I must have missed it somehow.

So far, I’m about as impressed as the house cat is with the new dog.

• The cost of your marketplace health insurance works on a sliding scale. Those who make less, pay less.

Ah yes… The golden egg of this whole thing… Do less work, save more money! Nothing like motivating Generation X and Y to contribute LESS to society. How does this encourage them to do less, you say? Have you forgotten youth? Do the least amount possible and get the most possible. Those just past that proverbial ‘line’ on the scale will do less to drop into that lower monthly amount. Those smack in the middle or near the top of the next line will stop progressing and marinate right where they are just to save the money. Nothing like motivating mediocrity!

• American making less than $45,960 as individual or $94,200 as a family of 4 may be eligible for premium tax credits through the marketplace. Tax credits subsidize insurance premium costs.

Suspicious verbiage “may be eligible”.

• If you are able to get qualified health insurance through your employer you won’t be able to receive marketplace tax credits unless the employer doesn’t cover at least 60% of your premium cost, doesn’t provide quality insurance or provides insurance that exceeds 9.5% of your families income.

• If you are able to get qualified health insurance through your employer you won’t be able to receive marketplace tax credits unless your employer doesn’t cover at least 60% of your premium cost, doesn’t provide quality insurance or provides insurance that exceeds 9.5% of your families income.

I’m bothered as to why this paragraph was listed twice. Okay, so… I can’t get insurance through the marketplace if my current insurance doesn’t suck or if they “exceed 9.5% of my family’s income”…? So, better coverage disqualifies me? Perhaps you meant if the cost doesn’t exceed…

• Up to 82% of nearly 16 million uninsured young U.S. adults will qualify for federal subsidies or Medicaid through the marketplace.

Suspicious wording – again! “Up to…”, “nearly” … So, could be 1%, could be 80%… Who knows?

• You don’t have to use the marketplace to buy insurance, but you should fill out an application to see if you qualify for assistance before shopping for insurance outside of the marketplace.

Well sure… Why not cancel the insurance you have now, sign up for a ‘government’ insurance and just pray that it doesn’t fold like every other entity the government has meddled in.

• The ACA does away with pre-existing conditions and gender discrimination so these factors will no longer affect the cost of your insurance on or off the marketplace.

Well that’s good. Now it’s only the “rich” kids that are discriminated against. Serves them right though. They should have chosen to be born into a poor family. Not our fault they didn’t choose to be born poor… or a minority…

• You can’t be denied health coverage based on health status.

Only wealth status…

• You can’t be dropped from coverage when you are sick.

But you can if your long lost aunt remembers you in her will. Or if you hit the lottery…

• Health Insurers can’t place lifetime limits on your coverage. As of 2014 annual limits are eliminated as well.

Hmmmm… I guess that $94,200 ‘limit’ isn’t a ‘limit’ at all. Wonder what it is then? Oh… Wait… That affects the rich. Right. They don’t count. Forgot. Silly me!

• All new plans sold on or off the marketplace must include a wide range of new benefits including wellness visits and preventative tests and treatments at no additional out-of-pocket cost.

Because, by golly, I have a right to have a doctor tell me whether or not my son’s hang nail is causing his 99˚ temp. And the doctors are right to force me to get vaccines, even if my child is completely immune without the booster. Or force me to get my daughter the HPV vaccine at 14…

• All full-time workers who work for companies with over 50 employees must be offered job based health coverage by 2015. Employers who do not offer coverage will pay a per-employee fee.

Or, they’ll fire off some of their employees because they can’t pay them and the expensive coverage fees. There will be more people out of work, but that’s okay because they’ll have healthy insurance!

• Small businesses with under 50 full-time employees can use a part of the marketplace called the SHOP (small business health options program) to purchase group health plans for their employees.

So, determined by the number of employees, not the amount of money my company makes a year? Seems odd to give families discounts based on income but not a business… che che che che – rip! Here that? That was the pink slips printing up as we speak!

• Small businesses with under 25 full-time employees can use the marketplace to purchase subsidized insurance for their employees.

See above. And what if I happen to run a website and have 2 employees? Do I now have to provide subsidized insurance for them? (If so, say good-bye to Clean Funny Pics folks…)

• Medicare isn’t part of the marketplace. If you have Medicare keep it!

Wonderful… Because it’s SO awesome just as it is! It’s not like our old folks – the ones that made this country you’re now taking a giant dump on – need extra care or anything. Psh. We’ll just ship them up to Canada and send them off on blocks of ice…

• Medicaid and CHIP are expanded to provide insurance to up to 16 million of our nations poorest.

There’s that suspicious verbiage again… “up to” 16 million of the poorest…? Not all the poorest, just an amount up to 16 million of them… clicks tongue got it.

Meanwhile, many doctors and nurses are retiring early because out of all of them – they’re the ones that get screwed the worst. All the work at school – studying – and for what? To get the same amount as the schmuck in a cubicle…
HEALTHCARE

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Posted in Government/Politics, In the Headlines, Just For Fun, Just Sayin'
  • Sarah Rose

    Thanks for stripping the candy-coating off of government terms. You’ve captured something very uncommon: common sense! This deserves to be printed and passed around. … Right after those pink slips finish printing…

  • http://beyondbw.blogspot.com Crayl

    You have great points…PLEASE, could you change the back ground colors? It made your post so hard to read, and I want it read! I want people to wake up to what’s really going on. I am sharing this post….

    • http://beyondbw.blogspot.com Crayl

      Now I am mystified…after I made a comment the whole post look changed. I apologize. The rainbow stripes are gone.

      • http://www.shelleybroadway.com Shelley

        I highly doubt that is you as I have web maintainer people who may be working on it for me at the moment… :)

  • Colter Chase (Triple C)

    so… say good bye to the free market and hello to the soup line.

    • http://flamewalker04.wordpress.com educatedpanther

      And… unemployment…

      • https://www.facebook.com/awesomechase Colter Chase

        and say bye to good health care…

  • http://leahenglundbrick.wordpress.com leahmbrick

    Sorry to butt in when it’s clear that we’re starting from very different points of view, and I want to be respectful, but I find it very offensive that you assume that making more money is the same as working harder and being more useful to the rest of society. That may be true in certain fields, but the overall trend of the economy (more service jobs, the very very few manufacturing jobs disappearing, the salaries of CEOs and those at the very top going up while the salaries of the people under them aren’t) means that is not true for many Americans. As someone who has worked traditional office jobs and also service industry jobs, I can say that the service jobs were much more demanding. Also, the government is stepping in, because bluntly, the insurance industry was not treating many people well. It is a real problem that people who have pre-existing conditions were being denied insurance – and one that profit motives won’t fix. There is no profit motive to take on a customer who in all probability will cost you much more money than they will pay you. I agree that it is silly for companies to not be charged a sliding scale based on profit figures – that’s a great criticism. I hope we can come up with better solutions than the affordable care act – but it is in place because there were real problems with the system before, and the projections (which I’ve talked over with some health-systems-type-title-people) were that they were going to get much much worse. But lets try and stay away from making character judgements based on income. Thanks!

    • http://www.shelleybroadway.com Shelley

      I’ve worked those type jobs too. Hated it. Worked CRAZY hard while the dude in charge sat in a comfy chair, behind a desk making phone calls! I was 17 when I first entered the workforce and saw this sort of thing. We were out front, working, hauling, moving, hanging, changing, etc The guy in charge was in his office most of the day, came out every once and again – gave the place a once over and was back to his comfy chair. I went home with aches and pains, from all the work, and in great need of a chiropractic adjustment. Then, I run into my boss at the chiropractor, who needs an adjustment from where he played too much golf over the weekend.

      Annoyed and fed up, I asked him one day why it was that he sat in the cushy job, got paid 5 times as much as I, and did 10 times less work. He pointed toward the wall and at a piece of paper in a frame.

      Really? That was it? Yep. A college education and hard work from the ground up. Still didn’t seem fair to me – but – I gave it a shot. Got an education and, through a lot of hard work, money and very little free time – I too got a college education and moved on up.

      Okay… So, that little story is mostly crap. Except for the fact that I busted my rear going to college full time while working full time and that I have worked many a hard labor job. Point is – hard work is hard work. You (the in general you) can’t expect to roll over and land in a CEO position. The work isn’t the same – but it’s up to you which route you take. Or you can choose neither and stay right where you are.

      It is only you that can change it. Don’t like the view from where you’re at? Change it.

    • http://loricamper.wordpress.com Lori

      Whatever problems there are/were in the insurance industry, it’s not the government’s business to fix.

  • https://www.facebook.com/helen.kalinkewicz Helen Horner Kalinkewicz

    Shelly,
    There are thousands of people with college degrees that do not have jobs right now. Lots of teachers and other highly qualified people are out of work. One can’t assume that if you go to college you are going to get a high paying job. There are very few out there. I often wonder why people think that healthcare should be based on the amount of money you make. Isn’t part of the American Dream health and happiness? What about our senior citizens that busted their butts for less than $2 an hour in their day? Or a person that is disabled? These people aren’t just lazy. It generally takes 2-3 years to obtain a disability rating. It is not an easy process. What person that you pass on the street would you not wish to have health care? As a citizen of this country, it should be everyone’s basic right, along with food and shelter. It is what separates America from the Third World countries. Is that what we really want to become by not caring about those less fortunate?

    • http://www.shelleybroadway.com Shelley

      There are thousands of people with college degrees that do not have jobs right now. Lots of teachers and other highly qualified people are out of work. One can’t assume that if you go to college you are going to get a high paying job. There are very few out there.

      I’m sure there are. Just like there are far more without degrees that don’t have jobs. Doesn’t change the fact that sitting on ones rump complaining about the raw deal they were given isn’t really doing anything to help oneself.

      I often wonder why people think that healthcare should be based on the amount of money you make.

      Oh, I don’t know. Probably the same reason that those who wrote this “Obamacare” coverage based the amount of coverage and costs on how much money you make. Or did you not realize that? Guess it’s different, somehow, when it’s based on how much money one makes – and you agree with how it’s done.

      Isn’t part of the American Dream health and happiness?

      I suppose that may be part of the American dream. I’m sure it is… a “dream”… Not a “right”. Remember, the Declaration of Independence says “Life, Liberty and the pursuit of happiness” it does not say “Life, Liberty and Happiness” If that is part of the American dream for you, awesome. Go pursue it. However, happiness is not ever going to pursue you and it’s quite hard to pursue anything from ones couch.

      What about our senior citizens that busted their butts for less than $2 an hour in their day? Or a person that is disabled? These people aren’t just lazy. It generally takes 2-3 years to obtain a disability rating. It is not an easy process.

      For the love of all that is good and holy – when or where did I say ANYTHING that made you believe that I don’t want to help our Senior Citizens? (I didn’t. The healthcare bill actually helps them LESS than they are already being helped, but I digress.) Or that I don’t think the disabled should have healthcare? (I didn’t). You’re taking something I said and trying to apply to something that has nothing to do with the original topic or point.

      What person that you pass on the street would you not wish to have health care?

      Not one single one. I wish they would all have healthcare. Which person that I pass on the street would I not want to be forced to pay for their health care? Crack dealers, meth users, prostitutes, drunks…

      As a citizen of this country, it should be everyone’s basic right, along with food and shelter.

      Awesome. Wonderful. It’s not, however, their right to take away my rights by making me pay for it. Seriously – when was the right to CHOOSE the things I want to do with my money taken away? I mean… The people who want to remove my right to CHOOSE what I do with and how I spend my money are the same ones who insist a woman has a right to CHOOSE abortion. I guess I only have a right to choose the things that YOU are okay with me choosing. Why is it a woman can CHOOSE to abort a baby, but I can’t CHOOSE whether or not I want to pay for her choice? Good gosh a mighty who ordered waffles – again!

      It is what separates America from the Third World countries. Is that what we really want to become by not caring about those less fortunate?

      Again… When did I say I don’t care about the less fortunate? Clearly, you’ve not read comments or replies. We give to the less fortunate – a LOT. I’ve given cars to people. Laptops. Clothing. Even opened my home and allowed an acquaintance who found himself without a home for a couple months to live in my home. Why is it assumed that because I would like to CHOOSE who, how and in what way I help and care about the less fortunate, that I don’t care about them at all?

      Forgive me if I would rather help those that are trying to help themselves rather than those screaming that it is someone else’s responsibility to help them. It reminds me of the woman that was living in a hotel with a boyfriend and their TWELVE children. She was screaming at the news cameras that someone needed to come and take care of her children. Ranting that the government wasn’t tending to them, and should be, while puffing on a cigarette. You honestly think it’s right that we’re forced to take care of someone who is too irresponsible to take care of themselves? Somehow, I’m wrong because I don’t want the money my husband makes -working in a non air-conditioned or heated warehouse for hours a day- to pay for this woman and her kids because she couldn’t be bothered to buy a $3 prophylactic while she was at the store buying cigarettes and lottery tickets?

      Oh, wait. Forgot… She has a right to choose how she spends her money. It’s just not anyone else that does… Yeah… That makes sense.

      • https://www.facebook.com/aubrey.johnson.378 Joe Johnson

        This was a hoot to read. I read the health care web site as well and I agree with you Shelley. Seems a bit odd to penalize someone who cant afford to get the insurance in the first place. Reminds me of when California required everyone to have auto insurance.

  • https://www.facebook.com/chantelle.marie.357 Chantelle Marie

    Thank you Shelley! I am disabled, but NOT on disability! Why? My parents taught me that NOTHING is handed to me and I have tried to teach my the same to my children. I started working at 15, for $3.50 an hour. My first “grown-up” job was as a receptionist in a hospital making $6.68. I was married AND pregnant. I have busted my behind for 25+ years. I am disabled, single, have no dependents, and if I want(ed) Obamacare, I would have to pay almost $400 per month. I went to the website and ran the numbers. So because I make more than $45,960, have never gone on disability, and busted my behind to better myself I get ZERO tax credit.
    And yes, some days I do get to sit back while “others” work. I have worked HARD to put myself in a position to be able to do that. Without having a college degree.
    A big problem in todays society is people think that at 25, after 1 or 2 years of work, they should be able to obtain (or be handed) all of the things that I have worked hard to obtain myself. It is absolutely infuriating to see/hear someone who is perfectly capable of hard work refuse to work hard!

    • http://leahenglundbrick.wordpress.com leahmbrick

      Please! Let’s stop kicking those who are down! I appreciate that you worked really hard, and I am glad that things worked out for you eventually. But please stop berating a generation that is continually hearing from economic experts that no matter how hard they work, they will not be able to achieve the lifestyle there parents did because the economic system in this country has changed. Blame the democrats if you want, blame the government – while I disagree, and tend to blame the disproportionate amounts of power that large multi-national corporations have – I think it’s fair to examine the political system and am happy to learn something from you. But please don’t insult the people who have been hurt the most by the recession, who are told they will never recover. Please! show compassion for the individuals and discuss the errors of the system, or disagree with personal opinions without personal attacks. I will try to do the same when I disagree with individualism.

      • http://flamewalker04.wordpress.com educatedpanther

        If you were offended, then you need to work harder.

        There was no personal attacks in that post. It’s true… we are witnessing quite possibly the most selfish generation ever… most entitled. Most of the well off don’t have it handed to them… they work their butts off. I have no compassion for anyone who works for a couple years and expects a golden benefits package. It doesn’t work that way.
        The problem is definitely not corporations. Corporations are absurdly regulated already. The problem is the liberal left from the 60s and 70s who want to live in some fantasy utopian country. “Gotta pass it to know what’s in it”. That is what is ruining this country… and judges who try to make laws constitutional instead of ruling based on how it is written…not corporations who are only doing what they are SUPPOSED to (with a few exceptions, like the banks giving bad loans – at the pressuring of the liberals in congress and the fed btw, but they still did it anyways, so shame on the banks)… making money. A corporations’ whole being is about making money, for the owners/investors, for being able to pay the employees, and to be able to provide the services that people want and need. The employees then spend that money on other goods and services, making a profit for other businesses, who then pay their employees, and make profit to return to their investors, and so on and so on.

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  • http://pumabydesign001.wordpress.com bydesign001

    Reblogged this on PUMABydesign001's Blog.

  • http://pumabydesign001.wordpress.com bydesign001

    Excellent assessment of Obamacare.

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