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Expert advises not to panic over the Affordable Care Act

October 23, 2013

There’s been a lot of talk about how one enrolls in insurance provided by the Affordable Care Act, colloquially known as Obamacare....

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(43)

CarlHiller

Oct-23-13 6:37 AM

"If your employer coverage costs less than 9.5-percent of your income and it meets a list of 10 minimum essential benefits, you can shop in the federal marketplace for insurance, but won't get tax credits or cost reductions offered in the law, according to Todd. However, if your coverage doesn't meet those criteria, those credits and reductions will apply to a plan bought within the market." So like "Animal Farm", some are more equal than others. We are living the "Animal Farm" experience today.

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rmiller

Oct-23-13 7:13 AM

A penalty for not carrying insurance? In other words, we are back to "making the individual purchase something?" Is this penalty literally applied to the individual and the employer? If so, two entities are penalized for one inaction? If not employed, the what? If not desiring insurance, for whatever personal reason, still penalized? Some people put money into accounts to cover their basic medical needs. So they get penalized regardless?

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spike2

Oct-23-13 7:58 AM

Has anyone ever paid attention to the FACT that the penalty is deducted from an individual's tax return. This is almost laughable. People don't want others to have health insurance. You pay for the uninsured through your own insurance costs. Same as we all see an increase in homeowners when a disaster takes place in another part of the country.Very few people put enough in medical savings accounts to pay all expenses out-of-pocket. These accounts are great for co-pays, optical and dental needs, etc. that are not fully covered by insurance. These plans are untaxed unless you do not use the full amount within a calender year. The balance remaining is taxed at your normal tax rate.

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eriklatranyi

Oct-23-13 8:06 AM

How does this address those who do not file taxes?

The IRS has over 10,000 new agents just to abuse citizens who do not submit to the will of the elite. Oh, the IRS will only abuse citizens with money.

Illegal aliens and special groups will be given a free pass.

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eriklatranyi

Oct-23-13 8:08 AM

Will the IRS police college campuses, arresting students who refuse to sign-up?

Or is it more likely that the IRS will pursue their parents?

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eriklatranyi

Oct-23-13 8:10 AM

The Obama Administration had over three years to prepare this website and it is a failure.

Just imagine how they are going to handle your claims.

The gov't cannot run Medicaid, Medicare, Food Stamps, etc without massive fraud and waste.

The Obamacare website shows continued incompetence by those who forced this on the people.

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Garben78

Oct-23-13 9:37 AM

And ps you the woman working under the table tending bar and getting wrongful benefits for free you don't need to change nothing as long as you just keep voting for us we won't try to fix what's been broken for years we will just enact something new we ourselves don't want and don't understand sincerely your pal obama and ps remember to like me on Facebook

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Snydbob

Oct-23-13 11:59 AM

eriklatranyi You complained that the Obama administration had 3 years to set this up and the website does not work and also made comment at to how claims would be handles. The administration did not set up the website, they hired someone to do it and that someone didn't do a good job. As far as filing claims, the website is just a clearing house for finding insurance and making the purchase. Claims would then be filed directly with the insurance company with whom you signed up. The government would have nothing to do with claims.

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rmiller

Oct-23-13 12:22 PM

Garben78,

A bit audacious, with your accusation of "under the table money" don't you think? How bout we all worry about those little incidentals during tax filings and whether or not we've been honest....??

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rmiller

Oct-23-13 12:25 PM

Snydbob,

Surely you jest.....claiming the govt. has nothing to do with the actual costs or handling the money. Are you claiming the govt. is doing this for free and their is no cost to anyone, anywhere?

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eriklatranyi

Oct-23-13 12:33 PM

Sydbob said:

"The administration did not set up the website, they hired someone to do it and that someone didn't do a good job."

I think you have not been listening to the reporters who sat with the programming team and how lost they have been with no supervision, no management, no direction from the Obama Administration.

But that is the typical liberal solution....throw money at a crony company and hold nobody accountable for failure afterward.

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Ritty77

Oct-23-13 1:18 PM

"So let me begin by saying this: I know that there are millions of Americans who are content with their health care coverage - they like their plan and they value their relationship with their doctor. And that means that no matter how we reform health care, we will keep this promise: If you like your doctor, you will be able to keep your doctor. Period. If you like your health care plan, you will be able to keep your health care plan. Period. No one will take it away. No matter what." —Obama

Obama is a liar. Period.

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rick424

Oct-23-13 1:27 PM

Nothing has changed for me Ritty. In fact my Health care actually went down a tiny bit, first time that I can remember this happening. Doesn't look like much is changing and going to change either. Where is the doom and gloom coming from?

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Ritty77

Oct-23-13 1:37 PM

Good for you, Rick. My health plan was cancelled, and the cheapest replacement is twice as much. Millions of people are having their policies cancelled.

Obama didn't say "most" or "many." He lied. It's what he does.

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rick424

Oct-23-13 2:39 PM

I am sorry Ritty, I hope all works out for you.

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BornHere

Oct-23-13 2:39 PM

Mine went up $7.00 for my annual deductible and $3.00 more for my prescription plan.

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rick424

Oct-23-13 2:45 PM

This poses another question, why was it canceled? Is this a trick by big business? After I got out of the service and started working in 1977 I had full coverage at no cost to me. This was at a local family run appliance store. Maybe we should look at what happened over all these years that got us into this situation. The current old system has obviously failed. Time for universal health care.

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ericwilliamsport

Oct-23-13 3:17 PM

Shame on you who call the President simply "Obama". This is your President, not your ignorant ******* neighbor. Have some respect for the Office if you can't respect the man. Laughable and sad, how you can call out a liberal while clearly showing none of those "values" conservatives and republicans demand to be elected for. Do you let your children call you by your first or last name only? There is respect for the parent you demand of your children regardless of what they think of your decision, but you lead by no example here. You and I can't imagine the decisions that have to be made from that office. And to come out and call someone a liar outright. Give me a break. Now if the President was in the NRA, I bet you'd call Him Sir or Mr. President then.

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ericwilliamsport

Oct-23-13 3:22 PM

And what a terrible problem to have, the ACA is so UNsuccessful and so many people don't want it, that the system was overloaded for demand.

I like how it helps over 30% of all citizens in all states, more than 50% in many states, and over 70% of citizens in a few states... but I guess it is such a terrible thing anyway.

It shouldn't be news to you that health insurance has raised every year for as many years as I've been off my parents insurance. Luckily now, you can point a finger at the ACA to blame while ignoring the fact it has been going up all the while. Show me a poor insurance company officer. Your healthcare rates were already too high, but the President is the one to blame I guess, not the $40 tylenol.

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ericwilliamsport

Oct-23-13 3:36 PM

As long as we have our iPhones and our Droids that cost $200 just for the privilege to use even before the data and text message plan to go with it that costs us another $1500 over 2 years... and not think twice about how outrageous that is. Yet we think rising health insurance is a rip off still? Nooooo, as long as we get our iPhones, just don't you dare tell me I need health insurance even if I still expect to get emergency treatment from anything from an ear ache to a car accident... But hey at least all your kids have iPhones and data plans now, and the President is the bad guy while the Insurance CEO's are struggling with the decision of where to slip the yacht during tropical storms.

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Ritty77

Oct-23-13 4:31 PM

"And what a terrible problem to have, the ACA is so UNsuccessful and so many people don't want it, that the system was overloaded for demand."

Oh, too much demand. Drink! Demand dropped off 90% the second week and it still didn't work. Obama is wholly dependent on low information dolts who swallow and parrot his lies. You must be so proud.

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rmiller

Oct-23-13 4:43 PM

ericwilliamsport,

Do you own an iphone? If you do, it is none of our business, just asking to hopefully prove a point.

In addition, the office of the presidency is respected, not by calling it by name, but living up to its name. Your CIC, and I say your CIC, because I did not vote for him. Let me clarify things however. He doesn't get my respect because I didn't vote for him. He doesn't get my respect because of the inner man that IMO, does not and has not qualified in any manner for the office of presidency. And, FTR, Bush was called every horrific name under the sun, except president. You want to stay loyal to one who wouldn't stay loyal to you, that's your business, but don't place your desires on my heart. You don't really understand, do you? The majority of Americans don't trust or like this person and the polls are sliding by the day.

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rmiller

Oct-23-13 4:47 PM

The "demand" you speak to eric, is the amount of people in large part, who were most likely curious enough to see how things are really going to work. I feel bad for you Keith. You've worked all your life and for one person's narcissism moment in time, you and millions of others will pay for his vendetta on our country. What about your wife?

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rmiller

Oct-23-13 4:52 PM

"just don't you dare tell me I need health insurance even if I still expect to get emergency treatment from anything from an ear ache to a car accident... "

(1) I thought health care was a choice?

(2) emergency treatment for everything from an earache to an automobile accident? Most accidents are covered by auto insurance and

(3) Hopefully, you nor a loved one will never need to be treated for an automobile or otherwise serious situation. Comparing an earache to an automobile accident? I think you've had your iphone in your ear too much.

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rmiller

Oct-23-13 4:53 PM

" the President is the bad guy while the Insurance CEO's are struggling with the decision of where to slip the yacht during tropical storms. "

Wow eric, you are seething with class envy.

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