Wow! Thanks, Obamacare!
10-23-2013, 03:27 PM
#322
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The following is the full conversation between a potential customer and a customer service representative for Healthcare.gov. The spelling and grammar represent the exact conversation as it took place.
[09:33:52 am]: Please be patient while we're helping other people.
[09:33:57 am]: Welcome! You're now connected to Health Insurance Marketplace Live Chat. Thanks for contacting us. My name is Dean. To protect your privacy, please don't provide any personal information, like Social Security Number, or any other sensitive medical or personal information.
[09:34:17 am]: Dean: Welcome. How can I help you?
[09:34:23 am]: Adrian: In the application process I am at setup 7 of family & household. Clicking Save & Continue does not allow me to move forward.
[09:34:55 am]: Dean: I apologize for the inconvenience. I understand that it is frustrating.
[09:35:17 am]: Dean: Thanks for your interest in the Health Insurance Marketplace. We have a lot of visitors trying to use our website right now. That is causing some glitches for some people trying to create accounts or log in. Keep trying and thanks for your patience. You might have better success during off-peak hours, like later at night or early in the morning. We’ll continue working to improve the site so you can get covered. You have until March 2014 to enroll.
[09:35:43 am]: Dean: Don't lose your sanity over this website. Try it. If it doesn't work, walk away. Try it tomorrow.
[09:36:08 am]: Dean: You have two months to apply, enrole in a plan, and make your first premium payment, to get coverage starting Jan,1,2014.
[09:36:18 am]: Adrian: This isn't a login problem.
[09:36:32 am]: Adrian: What you sent seems like a canned response.
[09:36:55 am]: Dean: It was .
[09:37:03 am]: Adrian: I had the login problems for the first 11 days.
[09:37:28 am]: Adrian: I have until Oct 30 to make a decision about coverage for my family. I don't have until March
[09:38:13 am]: Dean: Inagine you are stuck in this site's rush hour traffic . You still exist .You just aren't going anywhere
[09:38:39 am]: Adrian: Rush hour?
[09:38:50 am]: Adrian: This isn't rush hour.
[09:39:11 am]: Adrian: Do they pay you to make jokes?
[09:39:15 am]: Dean: Millions of people want to do this yesterday.
[09:39:30 am]: Adrian: Now you sound like a fortune cookie.
[09:39:49 am]: Adrian: Next you are going to tell me about advise from strangers?
[09:39:54 am]: Dean: I'm flattered.
[09:40:10 am]: Adrian: You have no way to assist those that ask for help?
[09:40:24 am]: Dean: Don't run with sissors
[09:40:41 am]: Adrian: Why is there even a chat option on the page if you can't lookup an application and assist?
[09:40:43 am]: Dean: You can contact the Health Insurance Marketplace Call Center. Their telephone number is 1-800-318-2596. They may be able to assist you.
[09:40:54 am]: Adrian: Then what is the chat function for?
[09:41:08 am]: Dean: Information
[09:41:27 am]: Adrian: What information? The phone number of the call center?
[09:42:01 am]: Dean: I can't use your personal information, the call center can
[09:42:46 am]: Adrian: I am not talking about PII, just step seven that Save & Continue won't work on.
[09:43:20 am]: Dean: We are available to help you 24 hours a day, 7 days a week. You can reach us toll free at 1-800-318-2596. Hearing impaired callers using TTY technology can reach us at 1-855-889-4325. In addition to English and Spanish, we can provide assistance in a number of languages through an interpretation service. We are closed on Memorial Day, Independence
[09:44:59 am]: Dean: Thank you for contacting Health Insurance Marketplace Live Chat. We are here to help you 24 hours a day, 7 days a week.
[09:45:20 am]: 'Dean' has left the chat session.
[09:45:22 am]: Your chat session is over. Thanks for contacting us, and we hope we've answered your questions. Have a great day.
[09:45:22 am]: 10/11/2013
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10-24-2013, 03:10 PM
#323
Forgive me for the source, but this is the only link I can find at the moment.
Opt-Out Obamacare Penalty Can't Be Enforced -- Unless You Get a Tax Refund - The Rush Limbaugh Show
Opt-Out Obamacare Penalty Can't Be Enforced -- Unless You Get a Tax Refund - The Rush Limbaugh Show
Let me read this to you from the joint tax committee. They talk about the mandate here. "The penalty applies --" this is for not having insurance. "The penalty applies to any period the individual does not maintain minimum essential coverage and is determined monthly. The penalty is assessed through the Code," the tax code, "and accounted for as an additional amount of federal tax owed." So it's tax.
"However," look at me. "However, it is not subject to the enforcement provisions of subtitle F of the Code. The use of liens and seizures otherwise authorized for collection of taxes does not apply to the collection of this penalty. Non-compliance with the personal responsibility requirement to have health coverage is not subject to criminal or civil penalties under the Code and interest does not accrue for failure to pay [the fine] in a timely manner."
Therefore, the only way that they can collect the penalty or the fine is by taking money from your refund. If you are not owed a refund, they cannot get money from you. They can't issue a lien. They can't garnish your wages. They can't use any of the normal procedures available to them if you owe them money, even though the Supreme Court has said it's a tax. So for those of us -- I mean, folks, I'm in fat city. I'm in fat city because I always structure to where I owe money. Well, not entirely. There have been years. But if you structure your taxes so that you do not get a refund, you do not have to buy insurance and you do not have to pay a fine 'cause they can't collect it from you if you don't have a refund due.
"However," look at me. "However, it is not subject to the enforcement provisions of subtitle F of the Code. The use of liens and seizures otherwise authorized for collection of taxes does not apply to the collection of this penalty. Non-compliance with the personal responsibility requirement to have health coverage is not subject to criminal or civil penalties under the Code and interest does not accrue for failure to pay [the fine] in a timely manner."
Therefore, the only way that they can collect the penalty or the fine is by taking money from your refund. If you are not owed a refund, they cannot get money from you. They can't issue a lien. They can't garnish your wages. They can't use any of the normal procedures available to them if you owe them money, even though the Supreme Court has said it's a tax. So for those of us -- I mean, folks, I'm in fat city. I'm in fat city because I always structure to where I owe money. Well, not entirely. There have been years. But if you structure your taxes so that you do not get a refund, you do not have to buy insurance and you do not have to pay a fine 'cause they can't collect it from you if you don't have a refund due.
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10-24-2013, 03:18 PM
#324
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i was JUST going to post this.
see: Opt-Out Obamacare Penalty Can't Be Enforced -- Unless You Get a Tax Refund - The Rush Limbaugh Show
that was in my copy and paste. :(
so ill just post this:
Millions of Americans Are Losing Their Health Plans Because of Obamacare | The Weekly Standard
and let me re quote so Ryan_G can say something about how he didn't have the correct perspective on the manner but can "change his mind".
see: Opt-Out Obamacare Penalty Can't Be Enforced -- Unless You Get a Tax Refund - The Rush Limbaugh Show
that was in my copy and paste. :(
so ill just post this:
Millions of Americans Are Losing Their Health Plans Because of Obamacare | The Weekly Standard
The U.S. individual health insurance market currently totals about 19 million people. Because the Obama administration's regulations on grandfathering existing plans were so stringent about 85% of those, 16 million, are not grandfathered and must comply with Obamacare at their next renewal. The rules are very complex. For example, if you had an individual plan in March of 2010 when the law was passed and you only increased the deductible from $1,000 to $1,500 in the years since, your plan has lost its grandfather status and it will no longer be available to you when it would have renewed in 2014.
These 16 million people are now receiving letters from their carriers saying they are losing their current coverage and must re-enroll in order to avoid a break in coverage and comply with the new health law's benefit mandates––the vast majority by January 1. Most of these will be seeing some pretty big rate increases.
These 16 million people are now receiving letters from their carriers saying they are losing their current coverage and must re-enroll in order to avoid a break in coverage and comply with the new health law's benefit mandates––the vast majority by January 1. Most of these will be seeing some pretty big rate increases.
and let me re quote so Ryan_G can say something about how he didn't have the correct perspective on the manner but can "change his mind".
“Let me be exactly clear about what health care reform means to you,” Obama said at one rally in July 2009. “First of all, if you’ve got health insurance, you like your doctors, you like your plan, you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you.”
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10-25-2013, 08:06 AM
#325
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CareFirst says 76,000 customers will lose current coverage due to Obamacare | WashingtonExaminer.com
CareFirst BlueCross BlueShield is being forced to cancel plans that currently cover 76,000 individuals in Virginia, Maryland, and Washington, D.C., due to changes made by President Obama's health care law, the company told the Washington Examiner today.
That represents more than 40 percent of the 177,000 individuals covered by CareFirst in those states.
That represents more than 40 percent of the 177,000 individuals covered by CareFirst in those states.
Originally Posted by Obummer
“Let me be exactly clear about what health care reform means to you,” Obama said at one rally in July 2009. “First of all, if you’ve got health insurance, you like your doctors, you like your plan, you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you.”
Originally Posted by Braineack, from this thread from Jan 2013
No one thought it would be different; that's the point. Obamacare is going to destory the entire industry so everyone HAS to buy into a single payer system--this was the whole plan to begin with.
Last edited by Braineack; 10-25-2013 at 08:16 AM.
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10-25-2013, 08:15 AM
#326
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Health insurance cancellation notices soar above Obamacare enrollment rates | The Daily Caller
Insurance carrier Florida Blue sent out 300,000 cancellation notices, or 80 percent of the entire state’s individual coverage policies, Kaiser Health News reports. California’s Kaiser Permanente canceled 160,000 plans — half of its insurance plans in the state — while Blue Shield of California sent 119,000 notices in mid-September alone.
Two major insurance carriers in Pennsylvania, Insurance Highmark in Pittsburgh and Independence Blue Cross in Philadelphia plan to cancel 20 percent and 45 percent of their total plans, respectively.
Nearly 800,000 New Jersey residents’ health-care plans will not longer exist in 2014, forcing insurers to create new ones for individuals and small business owners that hew to the Obamacare’s new regulations, The New Jersey Star Ledger found in early October.
Two major insurance carriers in Pennsylvania, Insurance Highmark in Pittsburgh and Independence Blue Cross in Philadelphia plan to cancel 20 percent and 45 percent of their total plans, respectively.
Nearly 800,000 New Jersey residents’ health-care plans will not longer exist in 2014, forcing insurers to create new ones for individuals and small business owners that hew to the Obamacare’s new regulations, The New Jersey Star Ledger found in early October.
Originally Posted by A person who changes his mind
Again, [the Affordable Care Act] is for people who aren’t happy with their current plan. If you like what you’re getting, keep it. Nobody is forcing you to shift.
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10-25-2013, 03:08 PM
#327
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Elderly patients sick over losing doctors under ObamaCare | New York Post
New York State Medical Society President Sam Unterricht is demanding a congressional probe after learning that one health carrier alone, UnitedHealthcare, is terminating contracts with up to 2,100 doctors serving 8,000 Medicare Advantage patients in the New York metro region.
The are 2.6 million elderly New Yorkers who receive Medicare, the public heath-insurance program for the elderly.
The are 2.6 million elderly New Yorkers who receive Medicare, the public heath-insurance program for the elderly.
Originally Posted by ORLY?
“Let me be exactly clear about what health care reform means to you,” Obama said at one rally in July 2009. “First of all, if you’ve got health insurance, you like your doctors, you like your plan, you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you.”
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10-25-2013, 03:10 PM
#328
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Obamacare Costs One Indiana School District $6 Million | The Weekly Standard
"In the past, we've told you about the new federal healthcare law and how small business and local governments have been hit," said the anchor. "The next area affected by the law could be education."
The reporter adds, "The affordable care act has had its proponents as much as it's had its opponents. In the last few months we've heard different stories from private and government employers on the cuts, they've had to make. However, in Vigo county some of those cuts will come at the cost of education."
"So what we had to do the other evening at the board meeting was to cut worker's hours to below 30 because we cannot afford to offer health care to every employee," says the superintendent
It would cost $6 million a year to provide health care to every employee who works more than 30 hours, says the superintendent.
The reporter adds, "The affordable care act has had its proponents as much as it's had its opponents. In the last few months we've heard different stories from private and government employers on the cuts, they've had to make. However, in Vigo county some of those cuts will come at the cost of education."
"So what we had to do the other evening at the board meeting was to cut worker's hours to below 30 because we cannot afford to offer health care to every employee," says the superintendent
It would cost $6 million a year to provide health care to every employee who works more than 30 hours, says the superintendent.
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10-28-2013, 11:19 AM
#329
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“Most people are going to keep their own plan,” Axelrod said in a discussion with Senator Tom Coburn (R., Okla.). “The majority of people in this country — the vast majority of people in this country — are keeping their plan.”
Originally Posted by Obama
“Let me be exactly clear about what health care reform means to you,” Obama said at one rally in July 2009. “First of all, if you’ve got health insurance, you like your doctors, you like your plan, you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you.”
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10-28-2013, 11:21 AM
#330
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Florida Woman's Insurance Rate Increases 10X Under Obamacare | The Weekly Standard
"When I got this bill, I was outraged," CBS quotes a 56-year-old Florida resident who got dropped from her health care plan.
Her new plan will be 10 times higher than what she's paying now, jumping from $54 a month to $591.
"What I have right now is what I'm happy with, and I just want to know why I can't keep what I have," says the woman. "Why do I have to be forced into something else?"
Her new plan will be 10 times higher than what she's paying now, jumping from $54 a month to $591.
"What I have right now is what I'm happy with, and I just want to know why I can't keep what I have," says the woman. "Why do I have to be forced into something else?"
Originally Posted by obama
“Let me be exactly clear about what health care reform means to you,” Obama said at one rally in July 2009. “First of all, if you’ve got health insurance, you like your doctors, you like your plan, you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you.”
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10-29-2013, 10:09 AM
#333
Obamacare now seems completely like another move by the administration to eliminate the middle class by merging it with the lower class. You hear him all the time talk about helping the poor, providing for the doless/worthless, giving them stuff, and helping them pull out of the lower class into the middle class. You never her our campaigner and chief talk about taking the middle class into the upper class, improving the lives of the middle class, and so on. Now we have all these stories coming out about people who were paying $150-200 a month for insurance being dropped from their plans and being forced to pay $500. Why? Because they are now being forced to subsidize the lower class. Again, dragging the middle class down to pull the lower class up.
Health care is not a right. It is an earned privilege. If you don't earn that privilege you don't get it. Now that it has become a right, it is screwing over the many who fought to earn the privilege.
Health care is not a right. It is an earned privilege. If you don't earn that privilege you don't get it. Now that it has become a right, it is screwing over the many who fought to earn the privilege.
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10-29-2013, 11:44 AM
#336
Obamacare now seems completely like another move by the administration to eliminate the middle class by merging it with the lower class. You hear him all the time talk about helping the poor, providing for the doless/worthless, giving them stuff, and helping them pull out of the lower class into the middle class. You never her our campaigner and chief talk about taking the middle class into the upper class, improving the lives of the middle class, and so on. Now we have all these stories coming out about people who were paying $150-200 a month for insurance being dropped from their plans and being forced to pay $500. Why? Because they are now being forced to subsidize the lower class. Again, dragging the middle class down to pull the lower class up.
Health care is not a right. It is an earned privilege. If you don't earn that privilege you don't get it. Now that it has become a right, it is screwing over the many who fought to earn the privilege.
Health care is not a right. It is an earned privilege. If you don't earn that privilege you don't get it. Now that it has become a right, it is screwing over the many who fought to earn the privilege.
Those that are not eligible for medicaid, but are eligible for subsidies are getting notices that to keep their private healthcare policies, they must pay greatly increased premiums.
They can go onto obamacare and get policies that cost more also, but they are eligible to get on the government subsidies putting more and more people (that would not normally be dependent on the government) in that position.
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10-29-2013, 01:33 PM
#338
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While it is not the main problem, it is a big part of getting people dependent on the government:
Those that are not eligible for medicaid, but are eligible for subsidies are getting notices that to keep their private healthcare policies, they must pay greatly increased premiums.
They can go onto obamacare and get policies that cost more also, but they are eligible to get on the government subsidies putting more and more people (that would not normally be dependent on the government) in that position.
Those that are not eligible for medicaid, but are eligible for subsidies are getting notices that to keep their private healthcare policies, they must pay greatly increased premiums.
They can go onto obamacare and get policies that cost more also, but they are eligible to get on the government subsidies putting more and more people (that would not normally be dependent on the government) in that position.
Okay, upon further review, I think you may be technically corret. If you have employer-sponsored health insurance with premiums that are less than 9.5% of your income, I do not think you can purchase through the exchanges.
However, if the employer-sponsored plan has its premium go up so much that you now are paying over the 9.5% threshold, you are eligible for those exchanges.
If you made $50k, your employer-sponsored insurance premiums (your cost) would need to be over $4,750 per year ($396/month) to break that threshold. I suppose that's possible from what some of you are saying. [2nd edit: This cost comparison is only for what an individual plan would costs you; not what you might be paying for a family plan.]
[1st edit: Correction. I guess you can buy from the exchanges no matter what, but you are only going to be eligible for subsidies to reduce the premium costs if your ESHI is considered "unaffordable" (>9.5%).]
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10-29-2013, 01:36 PM
#339
I am not sure this is accurate. I'm trying to find a reputable primary or secondary source, but I was under the impression that if your employer offered health insurance, you were not eligible to purchase a plan through the exchanges.
Okay, upon further review, I think you may be technically corret. If you have employer-sponsored health insurance with premiums that are less than 9.5% of your income, I do not think you can purchase through the exchanges.
However, if the employer-sponsored plan has its premium go up so much that you now are paying over the 9.5% threshold, you are eligible for those exchanges.
If you made $50k, your employer-sponsored insurance premiums (your cost) would need to be over $4,750 per year ($396/month) to break that threshold. I suppose that's possible from what some of you are saying.
Okay, upon further review, I think you may be technically corret. If you have employer-sponsored health insurance with premiums that are less than 9.5% of your income, I do not think you can purchase through the exchanges.
However, if the employer-sponsored plan has its premium go up so much that you now are paying over the 9.5% threshold, you are eligible for those exchanges.
If you made $50k, your employer-sponsored insurance premiums (your cost) would need to be over $4,750 per year ($396/month) to break that threshold. I suppose that's possible from what some of you are saying.
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10-29-2013, 01:49 PM
#340
I am not sure this is accurate. I'm trying to find a reputable primary or secondary source, but I was under the impression that if your employer offered health insurance, you were not eligible to purchase a plan through the exchanges.
Okay, upon further review, I think you may be technically corret. If you have employer-sponsored health insurance with premiums that are less than 9.5% of your income, I do not think you can purchase through the exchanges.
However, if the employer-sponsored plan has its premium go up so much that you now are paying over the 9.5% threshold, you are eligible for those exchanges.
If you made $50k, your employer-sponsored insurance premiums (your cost) would need to be over $4,750 per year ($396/month) to break that threshold. I suppose that's possible from what some of you are saying. [2nd edit: This cost comparison is only for what an individual plan would costs you; not what you might be paying for a family plan.]
[1st edit: Correction. I guess you can buy from the exchanges no matter what, but you are only going to be eligible for subsidies to reduce the premium costs if your ESHI is considered "unaffordable" (>9.5%).]
Okay, upon further review, I think you may be technically corret. If you have employer-sponsored health insurance with premiums that are less than 9.5% of your income, I do not think you can purchase through the exchanges.
However, if the employer-sponsored plan has its premium go up so much that you now are paying over the 9.5% threshold, you are eligible for those exchanges.
If you made $50k, your employer-sponsored insurance premiums (your cost) would need to be over $4,750 per year ($396/month) to break that threshold. I suppose that's possible from what some of you are saying. [2nd edit: This cost comparison is only for what an individual plan would costs you; not what you might be paying for a family plan.]
[1st edit: Correction. I guess you can buy from the exchanges no matter what, but you are only going to be eligible for subsidies to reduce the premium costs if your ESHI is considered "unaffordable" (>9.5%).]
For me, my health insurance will go up some (yet to be determined) because of the new requirement to cover preexisting conditions, but we will be unaffected by the flood of new morbidly obese smoking mouth breathers who will completely destroy the exchanges and cause premiums to go crazy.
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