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Remember those who lost their health care plans

Posted: January 23, 2014 2:00 a.m.
Updated: January 23, 2014 2:00 a.m.
 

This letter is in response to the letter of Nancy A. Meister (“Affordable Care Act: A success story,” The Signal Jan. 17.)

I am very glad she has had such a wonderful experience with the Affordable Care Act. But we must not forget the 6 million people who have lost their health care plans that they were happy with. One of the them is my son.

Recently we found a comparable plan that has a higher deductible, higher co-pay and higher monthly premium, so as you must know we are not happy.

Meister says she did not wait very long for treatment. Give it a couple of years and her story will change.

By the way, Nanette, I hope you do not get very ill, as I believe your plan is not accepted at UCLA Medical or Cedar Sinai hospitals.

These are the hospitals I would like to go to if I was very ill.

 

Comments

tony_dafish: Posted: January 23, 2014 4:59 a.m.

"One of the them is my son."
So a young relatively healthy person, I presume?

"Recently we found a comparable plan that has a higher deductible, higher co-pay and higher monthly premium"
Who is paying into the system at a rate to pay for the older sicker people.

This is exactly as the system was designed, operating exactly as you were told it would, if you were listening or had an ounce of common fiscal sense. I fail to see the reason for shock and outrage here.


OldReliable: Posted: January 23, 2014 6:55 a.m.

We were told our insurance premiums would reduce by $2,500 annually. Has that happened? No! We were told Obamacare's purpose was to provide healthcare to 40 Million uninsured. Has that happened? No! We were told that we could keep our doctor, period. Has that happened? No!

Was Obama was caught repeatedly lying? Yes!


technologist: Posted: January 23, 2014 11:29 a.m.

Moody’s downgrades health insurers, citing Obamacare
Warns of ‘unstable and evolving regulatory environment’

Moody’s Investor Service has changed its outlook for the U.S. health care insurance sector from stable to negative, citing Obamacare’s rollout and the uncertainty it brings.

The private credit rating agency said potential fallout from the Affordable Care Act’s implementation — including changes to the individual market and the impact of the law’s “employer mandate” on commercial group plans in January 2015 — presents the greatest challenge to health insurers’ credit profile. Lower reimbursement rates among Medicare Advantage plans also are creating financial pressure, it said.

“While all of these issues had been on our radar screen as we approached 2014, a new development and a key factor for the change in outlook is the unstable and evolving regulatory environment under which the sector is operating,” Moody's said. “Notably, new regulations and presidential announcements over the last several months with respect to the ACA have imposed operational changes well after product and pricing decisions had been finalized.”

http://www.washingtontimes.com/news/2014/jan/23/moodys-downgrades-health-insurers-citing-obamacare/


technologist: Posted: January 23, 2014 2:47 p.m.

January 15, 2014
Government Itself Still Cited as Top U.S. Problem
Narrowly leads the economy, unemployment, healthcare
by Lydia Saad

PRINCETON, NJ -- Americans start the new year with a variety of national concerns on their minds. Although none is dominant, the government, at 21%, leads the list of what Americans consider the most important problem facing the country. The economy closely follows at 18%, and then unemployment/jobs and healthcare, each at 16%. No other issue is mentioned by as much as 10% of the public; however, the federal budget deficit or debt comes close, at 8%.

http://www.gallup.com/poll/166844/government-itself-cited-top-problem.aspx


Indy: Posted: January 23, 2014 6:15 p.m.

Finally, as we’re seeing, the ACA is moving ahead strongly . . . and if you read the article below:

“Earlier this month, the Obama administration estimated that the wave of cancellations of pre-ACA plans that caused so much panic in Congress a month or two ago had actually left 500,000 people without coverage. That's a lot in absolute terms, but it's a bit more than 1.5% of the entire estimated market for individual insurance exchange plans, and a far cry from the tens of millions who were predicted not so very long ago to be standing at the edge of a coverage cliff. Under a government initiative announced earlier this month, those who still can't find affordable plans will be offered a "hardship" out, allowing them temporarily to purchase cut-rate plans.”
http://www.latimes.com/business/la-fi-hiltzik-20131224,0,1425488.column#ixzz2rBW2PBgS


Indy: Posted: January 23, 2014 6:17 p.m.

Junk mortgages: It just gets worse
In 2007 we dissected one toxic issue. The horror story continues, but can we still learn from our mistakes?
http://money.cnn.com/2009/11/30/real_estate/mortgage_lessons.fortune/index.htm

By Allan Sloan and Doris Burke
Last Updated: December 1, 2009: 9:51 AM ET

NEW YORK (Fortune) -- Back two years ago when the mortgage meltdown was heating up, we wrote an article called "Junk Mortgages Under the Microscope" dissecting a particularly wretched mortgage-backed securities issue peddled by Goldman Sachs.

We wanted to show how these complex securities really worked and how Moody's and S&P, the rating agencies, aided and abetted the process by giving two-thirds of an issue backed by ultra-risky second mortgages the same safety rating they gave to U.S. Treasury securities.

We thought this was a cautionary tale -- but it's turned into a horror story. All the tranches of this issue, GSAMP-2006 S3, that were originally rated below AAA have defaulted. Two of the three original AAA -rated tranches (French for "slices") are facing losses of about 90%, and even the "super senior," safer-than-mere-AAA slice is facing losses of 25%. How could this happen? And what lessons can we take away from it?

Indy: When you look at the credibility of Moody’s . . . well, you decide . . .


therightstuff: Posted: January 23, 2014 6:37 p.m.

tonydafish: """...operating exactly as you were told it would, if you were listening or had an ounce of common fiscal sense..."""

Obamacare is operating exactly as we were told it would? Is this what passes for common fiscal sense on Planet Democrat?

Your leader projected that 2.7-million younger, healthier people would sign up by March 1. They just reported that number is currently 580,000. Your leader has five weeks to quadruple that number. Yes, it's working perfectly.

And Benghazi was not a terrorist attack but a spontaneous reaction to an offensive video...

And we're going to find out who in the IRS was targeting groups that were opposed to Obama...

You're getting sleepy...sooooo s-l-e-e-p-y.....


therightstuff: Posted: January 23, 2014 6:45 p.m.

Indy: """When you look at the credibility of Moody’s . . . well, you decide . . ."""

From the same Obama loyalist who recommends the New York Times for unbiased news, thinks MSNBC is real news, and quotes stories from Fark.com.

When you're trying to get out of a hole, stop digging.




projalice11: Posted: January 23, 2014 7:39 p.m.


"Remember those who lost their health care plans"

Remember those uninsured citizens that didn't have Health Care Plans.


technologist: Posted: January 23, 2014 8:16 p.m.

More reading for you, projalice11:

Exchanges See Little Progress on Uninsured
Early Estimates Suggest That Majority of Sign-Ups Already Had Health Plans

http://online.wsj.com/news/articles/SB10001424052702304149404579326992266662838

ONLINE EXCLUSIVE -- JANUARY 19, 2014 AT 6:09 PM ET
New data suggests majority of health exchange enrollees were previously insured
BY: KAYLA RUBLE

http://www.pbs.org/newshour/rundown/2014/01/new-data-raises-questions-about-affordable-care-acts-success.html


SingleMomOfOne: Posted: January 24, 2014 10:09 p.m.

Gee I am so happy to learn someone is finding success with the ACA...I and my daughter lost our affordable insurance under this atrocious act...premiums went up so high I cannot make the payments, much less a co-pay to see my doctor and have a chronic condition that requires continued care...did I mention I am middle aged and employed? So yes, guess you could say I am one of those statistics...turns out I may have to seek care through the county, the exact opposite this plan meant to counter and I was not brought here by my parents, born in another country, I was born in the valley...so how messed up is that...my employer has stated that all of us must seek insurance through the ACA, so, guess the county doesn't look so bad after all...I despise the hypocrisy


JohnnyCash: Posted: January 24, 2014 10:51 p.m.

"Finally, as we’re seeing, the ACA is moving ahead strongly . . ."

Okay, Indy, you've made yet another post insinuating that the ACA is close to a success without articulating what success is.

I'll give you another chance to go on record now so you can rub it in our faces on April 1; how many must be enrolled for you to consider it a success?

I honestly cannot understand why an individual who possesses the combination of confidence in the law and an advanced education in business, economics and politics would shy away from answering such a simple and straightforward question. You are probably smart enough to predict the exact number of enrolees, but what I'm looking for is something so much easier.

HHS has set their figure at 7 million. What's the lowest number that would still make you feel it is "moving ahead strongly?"


ricketzz: Posted: January 24, 2014 7:00 a.m.

If you compare the rate of subscribers to comparables stats from Romneycare you'd see that people are actually more enthusiastic about the ACA then they were in Massachusetts, where the program is a success.

After full implementation we will see if the "average family" saved $2,500 annually over what they would have spent otherwise; I sustect the number will actually be higher.

Why do you cling like Pennsylvania hillbillies to media outlets that lie to you? You really are mock-worthy and cowardly. Reality will set you free. Fox "News" will turn you into a clown.


17trillion: Posted: January 24, 2014 8:09 a.m.

"After full implementation we will see if the "average family" saved $2,500 annually over what they would have spent otherwise; I sustect the number will actually be higher."

I assume that savings will be sometime after I start paying $4,800.00 more per year starting this month? People have their heads so far up Obama's butt they can't even see daylight.


Indy: Posted: January 24, 2014 8:27 a.m.

therightstuff wrote: Indy: """When you look at the credibility of Moody’s . . . well, you decide . . ."""

From the same Obama loyalist who recommends the New York Times for unbiased news, thinks MSNBC is real news, and quotes stories from Fark.com.

Indy: Notice how the poster completely ‘ignores’ the reality what Moody’s has done in the collapse of the economy.

And rather than deal with that, he goes on a rant about news sources like the “NY Times’ I guess preferring Fox as his true ‘news’ source forgetting that Fox distorts its articles by framing them in ‘conservative ideology’ based positions:

Fox News Wins Lawsuit To Misinform Public – Seriously
http://www.philly2philly.com/politics_community/politics_community_articles/2009/6/29/4854/fox_news_wins_lawsuit_misinform_public
“In February 2003, Fox appealed the decision and an appellate court and had it overturned. Fox lawyers argued it was their first amendment right to report false information. In a six-page written decision, the Court of Appeals decided the FCC’s position against news distortion is only a “policy,” not a “law, rule, or regulation.”
So, Fox and the other gladiatorial cable news channels were given the okay to legally lie right around the time of the Iraq War’s birth – when media lies coincidentally hit a peak in both frequency and severity.”

In any event, distorting newes leads to failure but again, if you ‘ignore’ what doesn’t map to your conservative positions, you’ve taken yourself out of the ‘rational’ side of the discourse and just become a reciter of ideology.

That’s Ok since everyone is free to do that it’s just good to note why they do that . . .


Indy: Posted: January 24, 2014 8:28 a.m.

therightstuff wrote: Your leader projected that 2.7-million younger, healthier people would sign up by March 1. They just reported that number is currently 580,000. Your leader has five weeks to quadruple that number. Yes, it's working perfectly.

Indy: I don’t know, but does Fox understand the sign up end on March 31st?


therightstuff: Posted: January 24, 2014 9:13 a.m.

Indy....read carefully because I'm going to show you how normal people react when they are corrected.

You're right Indy. The deadline is indeed March 31st. I misspoke when I said March 1st. With all of the arbitrary and unconstitutional changes Obama has made for the deadlines of his own law, I made a mistake. I now stand corrected and thank you for pointing out my mistake.

See...wasn't that easy? You should really try it. Your posts give you lots of opportunities.

And you're pulling out that old and now discredited article about Fox News from Fark.com again, Indy? Oh my, that's really sad my friend.


CarpeDiem: Posted: January 24, 2014 2:28 p.m.

As a fomer administrator at one of the hospitals noted in the LTE, I can tell you that while the quality at these hospitals may be good, they are not the only high quality hospitals out there. There are several great hospitals in Los Angeles County and when my friends and family ask for my recommendation I always tell them that these two hospitals are not a must have in your network and offer up other hospitals with equal if not better services. These two hospitals have great tertiary services but these aren't the services that everyone needs access to all the time. These two hospitals are best known for their research and (some) cutting edge technolgy but, many of the technology found there can be found at other hospitals. Consumers should do their research and not be swayed by the "shiny object" that these two hospital seem to offer.

All that said, I know of a health plan that does offer all the UC hospitals in their exchange product - so yes, there are exchange plans that offer coverage to hospitals in the UC system for those who think UC hopsitals is the only place to receive quality care.


JohnnyCash: Posted: January 24, 2014 5:21 p.m.

"Indy: Notice how the poster completely ‘ignores’ the reality what Moody’s has done in the collapse of the economy. "

Speaking of a poster who "completely ignores," are you ready to answer my question, Indy?

Here it is again, just in case you forgot:

How many people need to be enrolled by March 31 for you to consider the ACA a success?


therightstuff: Posted: January 24, 2014 8:33 p.m.

JC, Indy will tell you on March 31st. Whatever that number is, that will be the number chosen as a success for the Obamacare enrollment. That's exactly how president selfie's wh0res in the mainstream media will play it as well.


JohnnyCash: Posted: January 27, 2014 11:13 p.m.

"JC, Indy will tell you on March 31st. Whatever that number is, that will be the number chosen as a success..."

I know, TRS, but we're no better when we allow it to happen. Indy Wasserman Schultz isn't acknowledging the crow today so he won't have to eat it later.

He is such a fraud.


CaptGene: Posted: January 27, 2014 5:12 a.m.

"Indy Wasserman Schultz"

Genius.


ricketzz: Posted: January 27, 2014 6:56 a.m.

I went over the actual footage; Obama says the average family will save $2,500 over a few years, not per year. He never said compared to what, so the whole thing is silly.

Did anyone threaten to impeach Rumsfeld when he said they knew exactly where the weapons were hidden?

Politicians all lie. Why did you think Obama would be any different? I say you are being a "victim" to make a weak political statement: "I am gullible and stupid and the mean Negro in the White House took advantage of me". So be it.


technologist: Posted: January 27, 2014 9:25 a.m.

Regarding crow, a nice turn of phrase, JC.

Is misrepresenting Obama lies now the new (low) standard, ricketzz?

http://www.youtube.com/watch?v=66bgpRRSDD4


JohnnyCash: Posted: January 27, 2014 1:03 p.m.

"I went over the actual footage; Obama says the average family will save $2,500 over a few years, not per year."

I would recommend finding a new source for the "actual footage." The link below is to a compilation of him stating that costs would be lowered by $2,500 "per family, per year."

http://www.youtube.com/watch?v=66bgpRRSDD4

"Did anyone threaten to impeach Rumsfeld when he said they knew exactly where the weapons were hidden?"

Um, yes. Charlie Rangel even introduced eight articles of impeachment on the House floor.

http://www.commondreams.org/headlines04/0507-04.htm

"Politicians all lie. Why did you think Obama would be any different?"

Why are you asking us that question? We were the ones who were concerned about his lack of experience and his strategy of voting "present" in the Illinois legislature to dodge going on the record. We mocked the "Hope and Change" voters for blindly supporting this man.

""I am gullible and stupid and the mean Negro in the White House took advantage of me". So be it."

The race card. Classy.


technologist: Posted: January 27, 2014 2:49 p.m.

We *knew* Obama was lying because it was magical thinking to posit the following:

• Cover the uninsured in the USA
• Mandate and enforce purchase of medical insurance or fine for every citizen
• Mandate Community Rating
• Mandate increased minimum coverage
• Mandate preexisting condition coverage

And as a result:

• Bend the medical insurance cost curve down
• Make medical insurance affordable for all citizens
• Reduce premiums by up to $2500 per family, per year
• Create a net job increase
• Lower the Federal deficit

Seriously, ricketzz. The folks you're railing against here weren't the gullible and stupid ones. We were/are right and it's being reinforced as the avalanche of data the administration and Congressional allies are attempting to conceal is revealed.

There will be a reckoning.


Indy: Posted: January 27, 2014 6:25 p.m.

Therightstuff wrote: Indy....read carefully because I'm going to show you how normal people react when they are corrected.

Indy: This might actually mean something had the conservatives here not use so much condescending nonsense repeatedly over and over . . .

Further, you et al like to repeat the mistake ad nauseam. The only ones ‘entertained’ by this are your fellow conservatives . . .

Therightstuff wrote:You're right Indy. The deadline is indeed March 31st. I misspoke when I said March 1st. With all of the arbitrary and unconstitutional changes Obama has made for the deadlines of his own law, I made a mistake. I now stand corrected and thank you for pointing out my mistake.

Indy: For me, as far as I know, perhaps Obama made that claim for March 1st. I don’t know since I don’t listen to media outlets that beat talking points to death for viewers.

I only noted the signups end on March 31st.

And as we see, with all the innuendo and speculation at places like Fox that nobody would sign up, I just used the track record for Romneycare sign ups as a proxy for Obamacare which is was modeled after.

Now we see the Heritage Institute trying to rewrite history denying same . . . for reasons unknown to me.

But this is how our partisan controlled world works . . . get followers to recite anything whether it’s true or not.

Therightstuff wrote: See...wasn't that easy? You should really try it. Your posts give you lots of opportunities.

Indy: The problem you have with me is that the inconsistencies I point out with your out of context data you see as ‘opportunites’ versus just clarifying points that are out of context used to distort the political discourse for partisan political purposes.

Great. We’ve got ‘free speech’ and people are free to promote nonsense anytime they like.

But you see that stuff far too personally that I do . . . I’m looking for ‘reproducible results’ not ideology based recitals based on ‘focus groups’.

Therightstuff wrote: And you're pulling out that old and now discredited article about Fox News from Fark.com again, Indy? Oh my, that's really sad my friend.

Indy: I’m not sure why you’re in denial about Fox since when I do ‘sample’ their station, their so called ‘anchors’ frame the ‘news’ using conservative ideology positions. Great again . . . they are free to do so as I am to point it out.

In any event, Fox is a biased media outlet focused on promoting conservative ideology based a lot on innuendo and speculation that again just distorts the political discourse.

If you feel that approach is going to help your descendants . . . you’re good to go . . . you don’t have even read my posts . . .


JohnnyCash: Posted: January 28, 2014 9:18 p.m.

"ndy: The problem you have with me is that the inconsistencies I point out with your out of context data you see as ‘opportunites’ versus just clarifying points that are out of context used to distort the political discourse for partisan political purposes."

Out of context data and distortions bug me, too, Indy, so what do you say we get to so,e specifics?

March 31, 2014 is the exact date of the deadline. HHS has set a numerical goal for enrolees. Massachusetts even has the data for their plan for you to study. No bias, no partisanship, no ideological twist, no spin; just real data...the things you're telling us you want.

Now, for the sixth time, tell us how many must be enrolled by the deadline for you to consider it a success.

Have you even thought about this? Are you weary about putting something out there that might fall embarrassingly short? Is this why you're ignoring this question?


CaptGene: Posted: January 28, 2014 5:47 a.m.

Indy Nile: "This might actually mean something had the conservatives here not use so much condescending nonsense repeatedly over and over . . ."

This from the clown that repeatedly tells us how he's here to help us understand what the words we use mean, and that his in depth analysis is provided as a free service. Monumental hypocrisy.


ricketzz: Posted: January 28, 2014 7:22 a.m.

While you morons (right and left) argue endlessly on the unsolvable issues of our day, real life and death issues go ignored.

NADA

TPP

NSA

This is the USA. You must be a Republican or a Democrat, rather than a liberal or a conservative. Only an idiot is 100% one or the other. The art of being an American is to know which way to lean.

Parrotting the output of an admitted propaganda machine run by Plutocrats to support a narrow, pro-business agenda is not the highest form of political expression, unless one is hoping for Useful Idiot brownie points.

Obama lied because the way the mainstream media distorts everything lying was the only way to get this done. He is confident History will decide he did the right thing. Same exact reasoning Bush used when he lied us into War. Only difference, the people advising Obama weren't a bunch of liars.


technologist: Posted: January 28, 2014 12:31 p.m.

There's no justification for the "Noble Lie" in our Republic, ricketzz. Essentially, you're arguing that the end justifies the means. Americans, by a significant margin, reject that prevarication as morally and intellectually bankrupt.

When you disparage others as morons while positing unpersuasive arguments yourself it doesn't reflect well on you.


ricketzz: Posted: January 31, 2014 6:33 a.m.

How so? I'll cop to moron if you cop to effete snob; how's that for a deal?

Reagan taught us greed is good and the end always justifies the means (or have we forgotten all the priests and nuns tossed from helicopters over the Caribbean in the name of preventing populist revolts which might interrupt the flow of cocaine into Compton?) You righties act like everybody trusted government before Obama. That's an invalid assumption.

The only way you can save yourself is to turn off the TV news. Stop listening to so much AM radio (you know what I mean). There are killer music channels on Tune In.


CaptGene: Posted: January 31, 2014 3:41 p.m.

ricketzz: "I'll cop to moron if you cop to effete snob..."

Like we need you to cop to it!


technologist: Posted: February 1, 2014 5:41 p.m.

"How so? I'll cop to moron if you cop to effete snob; how's that for a deal?"

CG called it as only one of those is accurate, ricketzz.

"The only way you can save yourself is to turn off the TV news. Stop listening to so much AM radio (you know what I mean)."

Risible as I consume neither product. I listen to iTunes Radio or my audio collection at my desk and while driving. --edited.



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