Tag Archives: Health Insurance

Gallup poll: Americans think health care is less affordable after Obamacare

Obamacare premium increases by state
Obamacare premium increases by state

Investors Business Daily talks about the latest Gallup poll.


The official name of ObamaCare is the “Affordable Care Act.” So, as it enters its third year, how is it living up to its moniker? Not every well, according to a new Gallup poll. Cost and access to care remain the top concern of 42% of Americans, which is actually up from 2013, the year before ObamaCare went into effect, when 39% cited these as top concerns. And it’s far above 1997, when just 22% listed cost and access as top health concerns.


It’s not hard to understand why. Even those getting generous subsidies through ObamaCare exchanges often find that they can’t afford treatments because of the health plans’ high deductibles.

The New York Times found that more than half the plans offered through the federal Healthcare.gov exchange had deductibles of $3,000 or more. In some states, the median deductible was $5,000 or more.

Sky-high deductibles like that high used to come with extremely low premiums. But thanks to ObamaCare’s many rules and regulations and fees, such plans are a thing of the past.

The Times notes that an Albuquerque, N.M., woman pays $4,800 a year for a plan with a $6,000 deductible. Before ObamaCare, a plan with a $2,500 deductible was available in that state for just $1,625 a year, according to aGovernment Accountability Office review of pre-ObamaCare premiums.

IBD’s Jed Graham found that deductibles for the cheapest ObamaCare plans in 37 major markets climbed an average 7.4% to more than $5,600.

Then, of course, there are the premium spikes many will find when they go to sign up or renew their ObamaCare polices. Not to mention the increasingly narrow doctor networks and other hidden costs imposed by insurers to keep premiums from going up even more.

Yes, health care premiums are way, way up. Obama told us during his election campaigns that health care premiums would go down an average of $2,500. How did he intend to achieve that? By reducing choice and competition, and require insurance companies to cover more stuff, like drug addiction therapy, onto every health care plan.

Here he is promising things to young voters:

The young people believed his honeyed words, and did not ask for evidence to prove the claims that made them feel good. After all, if the words made them feel good, then the words must be true, right?

Should we pick a candidate based on our emotional response to his confidence?
Should we pick a candidate based on our emotional response to his confidence?

So what happened? Health care premiums went up, because the more stuff that your health care plan has to cover (e.g. – drug addiction treatment) the more you have to pay for that health care plan. And so, as I blogged about before, health care premiums have actually gone up $4,865 on average, per year. Yes, this is another case of keep your doctor / keep your health plan claims. Either Obama knows that what he says is false, and says it anyway (evil Obama) or he does not know what he is talking about, but says things that will make people like him anyway (imbecile Obama).

It’s been a fun game for conservatives over the last 7 years to try to decide whether we elected an evil man or a stupid man. My view has always been that Obama is a stupid man, and that’s because unlike every other politician, he’s never released his transcripts. I can pretty much guarantee you that it is all Fs straight down the line. We elected a moron, who just says whatever makes him look good. He has no more idea what he is talking about than a parrot trying to explain the stock market. But he made Democrat voters feel good – and that’s what mattered to them.

Obamacare success: health insurance premiums to rise 20-40 percent in 2016

Obama doesn't have time for national security
Obama on the golf course having fun

This is from the radically leftist New York Times, of all places.

They write:

Health insurance companies around the country are seeking rate increases of 20 percent to 40 percent or more, saying their new customers under the Affordable Care Act turned out to be sicker than expected. Federal officials say they are determined to see that the requests are scaled back.

Blue Cross and Blue Shield plans — market leaders in many states — are seeking rate increases that average 23 percent in Illinois, 25 percent in North Carolina, 31 percent in Oklahoma, 36 percent in Tennessee and 54 percent in Minnesota, according to documents posted online by the federal government and state insurance commissioners and interviews with insurance executives.

The Oregon insurance commissioner, Laura N. Cali, has just approved 2016 rate increases for companies that cover more than 220,000 people. Moda Health Plan, which has the largest enrollment in the state, received a 25 percent increase, and the second-largest plan, LifeWise, received a 33 percent increase.
Jesse Ellis O’Brien, a health advocate at the Oregon State Public Interest Research Group, said: “Rate increases will be bigger in 2016 than they have been for years and years and will have a profound effect on consumers here. Some may start wondering if insurance is affordable or if it’s worth the money.”

[…]The rate requests are the first to reflect a full year of experience with the new insurance exchanges and federal standards that require insurers to accept all applicants, without charging higher prices because of a person’s illness or disability.

Bye-bye private health insurance, hello government-run VA style health care:

In financial statements filed with the government in the last two months, some insurers said that their claims payments totaled not just 80 percent, but more than 100 percent of premiums. And that, they said, is unsustainable.

Here’s Minnesota and Tennessee:

At Blue Cross and Blue Shield of Minnesota, for example, the ratio of claims paid to premium revenues was more than 115 percent, and the company said it lost more than $135 million on its individual insurance business in 2014. “Based on first-quarter results,” it said, “the year-end deficit for 2015 individual business is expected to be significantly higher.”

BlueCross BlueShield of Tennessee, the largest insurer in the state’s individual market, said its proposed increase of 36 percent could affect more than 209,000 consumers.

Missouri, North Carolina, Kansas:

Coventry Health Care, now owned by Aetna, is seeking rate increases that average 22 percent for 70,000 consumers in Missouri. “The claims experience for these plans has been worse than anticipated,” Coventry reported.

In its proposal to increase rates by an average of 25 percent for more than 397,000 consumers, Blue Cross and Blue Shield of North Carolina cited “inpatient costs, particularly in treatment of cancer and heart conditions, emergency room utilization, and cost for specialty drug medications” to treat hepatitis C, breast cancer and cystic fibrosis.

Blue Cross and Blue Shield of Kansas sought increases averaging 37 percent for 2016 and said the increase could affect 28,600 consumers.

“Kansans who purchased these individual plans since 2014 were older, in general, than expected and required more medical services than anticipated,” the company told federal health officials.

Wow, so when Obama promised all kinds of new free things, that actually costs money? I can’t believe it. Why didn’t Obama tell us that it would cost more to do all these things he promised, and that we would be stuck with the bill – not him? I thought he was such a generous guy and was going to pay for all this himself. But it turns out that he was just telling you what he was going to buy with your money.

Insurance companies are raising their premiums in response to Obamacare

This story is from Investors Business Daily.


We pointed out that several states had already tried these “guaranteed issue” and “community rating” reforms, and they’d been a disaster. Higher premiums encouraged the young and healthy to forgo insurance, knowing that they could sign up after they got sick, which drove premiums still higher.

ObamaCare was supposed to avoid this fate by heavily subsidizing insurance premiums and imposing a tax penalty for going uninsured, to get the young and healthy to sign up and keep premiums down.

But when IBD’s Jed Graham looked at the limited number of filings two weeks ago, he noted that insurers were asking for hikes that averaged 18.6%. And as more rate filings became public, that picture hasn’t changed.

In Virginia, for example, just one plan came in with a proposed rate increase below 10%. Three are above 25%. In Texas, Scott & White wants a 32% boost and Humana 30%. Alliance Health Plans in Georgia says that it needs a 37.85% increase.

The reasons given for these huge increases? The insurance pool is older and sicker than expected.

Blue Cross Blue Shield of Illinois, which enrolled more than 329,000 people in the state, wants a 29% hike, saying, “Actual claims experience of the members … is significantly higher than expected.”

CareFirst in Maryland said that its per-enrollee claims shot up 49% in the first year of ObamaCare. WPS Health Plan also cited “the impact of numerous additional taxes and fees imposed upon our plan” as part of the reason why it wants a 19% boost.

It sounds so nice to feelings-oriented voters to cover all kinds of things that some people like, like birth control and sex changes. It sounds so nice to feelings-oriented voters to not turn people away with pre-existing conditions. It sounds to nice to feelings-oriented voters for every plan to cover maternity care – even for people who don’t use it, e.g. – men. But the simple fact of the matter is that when you force insurers to include more coverages and extend coverage to more people, then there will be more claims, and the next rounds of premiums must rise to cover the increased number of claims. That’s how insurance works. Although I doubt the average feelings-oriented Democrat understands that.


What’s more, these big increases are coming before ObamaCare’s temporary industry bailout programs go away. They were specifically designed to protect insurers from big losses, allowing them to keep premiums lower than they might have otherwise.

The cost of claims is going higher. The subsidies to cover the higher claims disappear. The private insurance companies cannot pay the higher claims. The private insurance companies close. The government takes over the health care industry. Taxes go up, to pay for a bloated and wasteful government-run health care system. Patients are forced to wait longer for care, even after paying into the single payer system their whole lives. Conscience protections disappear. More and more unethical behaviors that require health care get covered by the single payer system, encouraging patients to be less responsible since health care is “free”. Tax rates go higher to cover skyrocketing costs of “free” health care. Government decides to cut costs by implementing coerced abortion and euthanasia.

All we have to do is look to Europe and Canada to see how it works. This is how the socialist game plan plays out.

Alliance Defending Freedom wins HHS mandate case: Democrats forced to pay $570,000

Life News has some good news for us.

They write:

The bill is coming due, literally, for the Obama administration over its attempts to force companies to comply with the HHS mandate, that compels them to pay for drugs for their employees that can cause abortions.

The pro-life legal group ADF obtained a settlement in federal court Friday that requires the Obama administration to pay an agreed-upon amount of $570,000 to ADF and allied attorneys who won a lawsuit at the U.S. Supreme Court against the abortion-pill mandate in Conestoga Wood Specialties v. Burwell. 

Conestoga Wood is one of the companies that challenged the abortion mandate in court and the high court eventually sided with them and Hobby Lobby, the most prominent firm taking on the Obama mandate.

“The government does a serious disservice to taxpayers when it pursues unjust laws that force many of them to defend their constitutionally protected freedoms,” Alliance Defending Freedom Senior Legal Counsel Matt Bowman told LifeNews.com. “While this case is finally over, many others remain. We hope the administration will stop defending its indefensible abortion-pill mandate and end its waste of taxpayer dollars on a fruitless quest to force people to give up their freedom to live and work according to their beliefs.”

Alliance Defending Freedom attorneys represent Conestoga Wood Specialties and the Hahn family, Mennonite cabinetmakers in Pennsylvania who appealed to the nation’s high court after a divided federal appellate court ruled against them. The Supreme Court eventually sided with the company.

“The cost of religious freedom for the Hahn family and many other job creators across the country who face this mandate is severe,” added Senior Legal Counsel Matt Bowman. “A family should not face massive fines and lawsuits just because they want to earn a living consistent with their faith.”

The mandate could have cost the family nearly $3 million per month in fines if it doesn’t agree to live contrary to its Christian convictions. It forces employers, regardless of their religious or moral convictions, to provide insurance coverage for abortion-inducing drugs, sterilization, and contraception under threat of heavy penalties by the Internal Revenue Service and other federal agencies if the mandate’s requirements aren’t met.

Conestoga Wood Specialties owners Norman Hahn, Elizabeth Hahn, Norman Lemar Hahn, Anthony H. Hahn, and Kevin Hahn desire to run their company, a wholesale manufacturer of custom wood cabinet parts, in a manner that reflects their Christian beliefs, including their belief that God requires respect for the sanctity of human life.

I try not to think about whose money this is… in a fair world, it would come right out of Obama’s bank accounts.

I took a quick look to see if there were any ADF podcasts on this case, and I didn’t find any.

Pro-life family wins case to avoid paying Obamacare surcharge on health insurance

I'm Scheming Unborn Baby, and I approve this decision
Scheming Unborn Baby scheming about becoming an ADF lawyer

Great news from Life News.


A pro-life leader and his family who lost their health plan due to Obamacare filed suit in federal court this year. The family was suing because they were being forced on to the state’s health insurance exchange, which only offers plans that require them to pay for other people’s abortions.

Barth and Abbie Bracy had insurance through a private insurer, but Obamacare forced the insurer to cancel the policy effective later this year. Forced on to the Obamacare exchange, the Bracys were left only with plans that include a mandatory surcharge used to fund the elective abortions of others. Ironically, Barth Bracy is executive director of The Rhode Island State Right to Life Committee and has warned people of exactly the problems his family is now facing.

The lawsuit also challenged secrecy clauses within Obamacare which forbid Americans from being told prior to enrollment whether the plans they would purchase on an exchange will include abortion coverage. The clauses also forbid Americans from being told how much of the premium is a federally mandated abortion surcharge that pays for other people’s elective abortions.

Now, their attorneys, Alliance Defending Freedom, have informed LifeNews that the Bracy family won’t be forced to pay Obamacare’s abortion surcharge.

Alliance Defending Freedom attorneys voluntarily dismissed their lawsuit against federal and state officials Wednesday after the addition of Obamacare plan options that, for the first time in Connecticut, will not require participants to pay for others’ elective abortions. Despite the Connecticut change, many American families are still being forced to pay hidden abortion surcharges.

“Americans should not have to pay a special fee for other people’s abortions in order to take care of their own family’s health,” said ADF Senior Counsel Casey Mattox. “The Bracy family has experienced first-hand the kind of deception that was used to pass and that continues to pervade this law. While we are pleased that Connecticut families will now have a choice to avoid paying this abortion surcharge, it is a shame that other families won’t have that choice, and that most Americans don’t even know that they must pay this secret fee.”

Federal law forbids taxpayer subsidies for elective abortions; however, the Affordable Care Act requires every exchange plan that includes abortion to collect a separate fee that is used exclusively to pay for abortions. The ACA further forbids disclosure of the abortion surcharge to customers.

So it’s not just this family that won the case – it’s the whole state!!! I think this is just amazingly awesome. We need more people like this to take on the government, and thank God the ADF is there to defend them. We need more Christian lawyers who are willing to take cases like this.