Tuesday, October 29, 2013
Obama Lied, Knew Millions Would Lose Their Health Insurance
By now,most Americans are beginning to understand that when President Obama told Americans that if they liked their doctor, their present health plan, they'd be able to keep it, it simply wasn't true.
However, as we're now finding out, it goes far beyond that. The president deliberately lied, knowingly lied, along with his team.
In another, astonishing random act of journalism, NBC, of all places revealed that ObamaCare was deliberately constructed to destroy the health coverage of millions of Americans and force them on to government exchanges, with much less coverage and far higher premiums. And this president knew it all along:
Four sources deeply involved in the Affordable Care Act tell NBC NEWS that 50 to 75 percent of the 14 million consumers who buy their insurance individually can expect to receive a “cancellation” letter or the equivalent over the next year because their existing policies don’t meet the standards mandated by the new health care law. One expert predicts that number could reach as high as 80 percent. And all say that many of those forced to buy pricier new policies will experience “sticker shock.”
None of this should come as a shock to the Obama administration. The law states that policies in effect as of March 23, 2010 will be “grandfathered,” meaning consumers can keep those policies even though they don’t meet requirements of the new health care law. But the Department of Health and Human Services then wrote regulations that narrowed that provision, by saying that if any part of a policy was significantly changed since that date -- the deductible, co-pay, or benefits, for example -- the policy would not be grandfathered.
Buried in Obamacare regulations from July 2010 is an estimate that because of normal turnover in the individual insurance market, “40 to 67 percent” of customers will not be able to keep their policy. And because many policies will have been changed since the key date, “the percentage of individual market policies losing grandfather status in a given year exceeds the 40 to 67 percent range.”
That means the administration knew that more than 40 to 67 percent of those in the individual market would not be able to keep their plans, even if they liked them.
Yet President Obama, who had promised in 2009, “if you like your health plan, you will be able to keep your health plan,” was still saying in 2012, “If [you] already have health insurance, you will keep your health insurance.”
“This says that when they made the promise, they knew half the people in this market outright couldn’t keep what they had and then they wrote the rules so that others couldn’t make it either,” said Robert Laszewski, of Health Policy and Strategy Associates, a consultant who works for health industry firms. Laszewski estimates that 80 percent of those in the individual market will not be able to keep their current policies and will have to buy insurance that meets requirements of the new law, which generally requires a richer package of benefits than most policies today.
Actually, Laszewski estimates that as many as 16 million Americans will lose their health insurance because of ObamaCare.
Note the part I emphasized.Any changes made to your existing policy after March 23, 2010 when this tyranny became law disqualified it to be grandfathered, even if they were choices you made yourself, such as eliminating coverage for maternity care if you or your spouse was past childbearing age, eliminating an adult child from your policy because he or she obtained his or her own insurance, or increasing the co-pay for yourself and your employees slightly to keep costs down or to add more employees to your policy. It doesn't matter...even if you are perfectly satisfied with your coverage as it is, your insurance company will be told your policy doesn't meet ObamaCare standards and that cancellation letter will go out informing you that you no longer have health insurance come January 2014.
The Democrats are busily spinning this and trying to blame the insurances companies, since the companies are the ones issuing the cancellation letters. But the truth of the matter is they have little choice in the matter. Unless you are employed by a very large company or government agency (like a city or state bureaucracy) that can afford to absorb the expense of compliance with ObamaCare's arcane requirements because they can spread the cost out among a large group of employees, or unless your employer is politically connected enough to get a waiver or a subsidy like members of the governing class, you are likely to lose your insurance because private companies will be unable to absorb the cost of insuring small groups or families with individualized coverage.
Once you're forced to shop the exchanges, you'll discover what so many Americans already have... the sticker price of ObamaCare's Bronze coverage,the cheapest available with the highest deductible and the lowest sticker price is going to cost a family of five, two adults and three children, in excess of $20,000 per year. And that's a conservative estimate, guaranteed to go up as more and more healthy young adults opt to pay the penalty and the system needs more taxpayer dollars to cover the Medicaid patients whom qualify for the subsidies.The Medicaid patients signing up for ObamaCare in droves, and are the vast majority of those signing up for the exchanges. There's always an unlimited demand for free stuff at someone else's expense.
That also applies if you are fortunate enough to get your insurance through a very large company or government agency. At present, you're able to keep your present insurance,but your time is coming. While you may not lose your insurance outright, at least at first, you can expect vast increases in your co-payments to cover the cost of ObamaCare compliance.
Even worse, since ObamaCare unlike most current insurance policies does not allow any payments to 'out of network' doctors whatsoever, all it's going to take is a heart attack, a car accident or a similar emergency where immediate treatment is required at the closest available facility to put the average American who is forced to buy 'coverage' through ObamaCare into bankruptcy. That alone should blow the White House claims that the cancellations are due to insurance companies declining to meet standards for 'increased coverage' out of the water.
ObamaCare's failure is what was planned from the start, with the resulting misery and chaos ending with millions of desperate Americans being herded in single payer and the Sovietization of America's healthcare.Even the Medicaid patients who are happily signing up for their free coverage have no clue about what is ultimately in store for them.
The president bloviated a great deal about being a 'warrior for the middle class' during the 2012 campaign. Given what he knew about ObamaCare at the time, the term 'rapist' would have been more appropriate. Including the parts about the desire for power, domination and control. We've already seen how the president used the IRS to attack his political enemies. Imagine what will happen when they have access to all your data and can decide who gets a medical procedure and how long they have to wait to receive it based on how you voted or whom you donated to.
No wonder the president lied about it.
Here's another thing to consider. The president has the power to call up the HHS and instruct them to change the regulations and honor the promise he made again and again for two years. He isn't doing this because he was always determined to break that promise.
And that's illustrative of one of the main problems with the current occupant of the Oval Office, something that comes up again and again. He has no moral core, no standards of what most of us would refer to as common decency. It's a common thread running through his stance on infanticide, his use of the IRS as his political goon squad, the misuse of a trillion dollars worth of 'stimulus' to pay off his political allies, his cavalier ignoring of Federal Law, Fast and Furious, Benghazi, and the myriad of other scandals swirling around the Obama White House. And it runs through ObamaCare as well.