Posts Tagged With: Health Insurance

 
 

Obamacare Just Keeps Getting Better


Comment: Obamacare WOW
01-25-2013

Does this catch go for States that allow people to break the law, Federal and State law by allowing them to Smoke Marijuana in Violation of smoking in public places, and get cheep insurance, in other words it seems that Marijuana by State standers is not dangerous to where as smoking a cigarette is.

Come on you blooming Idiots, clean out your brains and show that you are smarter than a Politician who let this law be passed, Oh, I for got, they have a hole burning in their Capitals to make more money for what they have lost by people who quit smoking at their push for higher TAXES, or was that for health reasons for medical costs to the States insurance fund.

208382_334907706613555_1057883061_nAll these states have created their own problems for taxes being lost due to GREED for money and not commend since on how to spend money wisely, and throw it at their pet projects which does nothing for the good of the people.

What can you expect the RICH run the Government, and the RICH are in the Government Offices.

Obama’s IRS Threatens Employers Over Obamacare (independentsentinel.com) So you want Obamacare, Now your Jobs are in jeopardy if you don’t do what Obama wants. Ha Ha Ha Haaaaa

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Penalty could keep smokers out of health overhaul

By RICARDO ALONSO-ZALDIVAR | Associated Press
01-24-2013

WASHINGTON (AP) — Millions of smokers could be priced out of health insurance because of tobacco penalties in President Barack Obama’s health care law, according to experts who are just now teasing out the potential impact of a little-noted provision in the massive legislation.

The Affordable Care Act — “Obamacare” to its detractors — allows health insurers to charge smokers buying individual policies up to 50 percent higher premiums starting next Jan. 1.

For a 55-year-old smoker, the penalty could reach nearly $4,250 a year. A 60-year-old could wind up paying nearly $5,100 on top of premiums.

Younger smokers could be charged lower penalties under rules proposed last fall by the Obama administration. But older smokers could face a heavy hit on their household budgets at a time in life when smoking-related illnesses tend to emerge.

Workers covered on the job would be able to avoid tobacco penalties by joining smoking cessation programs, because employer plans operate under different rules. But experts say that option is not guaranteed to smokers trying to purchase coverage individually.

Nearly one of every five U.S. adults smokes. That share is higher among lower-income people, who also are more likely to work in jobs that don’t come with health insurance and would therefore depend on the new federal health care law. Smoking increases the risk of developing heart disease, lung problems and cancer, contributing to nearly 450,000 deaths a year.

Insurers won’t be allowed to charge more under the overhaul for people who are overweight, or have a health condition like a bad back or a heart that skips beats — but they can charge more if a person smokes.

Starting next Jan. 1, the federal health care law will make it possible for people who can’t get coverage now to buy private policies, providing tax credits to keep the premiums affordable. Although the law prohibits insurance companies from turning away the sick, the penalties for smokers could have the same effect in many cases, keeping out potentially costly patients.

“We don’t want to create barriers for people to get health care coverage,” said California state Assemblyman Richard Pan, who is working on a law in his state that would limit insurers’ ability to charge smokers more. The federal law allows states to limit or change the smoking penalty.

“We want people who are smoking to get smoking cessation treatment,” added Pan, a pediatrician who represents the Sacramento area.

Obama administration officials declined to be interviewed for this article, but a former consumer protection regulator for the government is raising questions.

“If you are an insurer and there is a group of smokers you don’t want in your pool, the ones you really don’t want are the ones who have been smoking for 20 or 30 years,” said Karen Pollitz, an expert on individual health insurance markets with the nonpartisan Kaiser Family Foundation. “You would have the flexibility to discourage them.”

Several provisions in the federal health care law work together to leave older smokers with a bleak set of financial options, said Pollitz, formerly deputy director of the Office of Consumer Support in the federal Health and Human Services Department.

First, the law allows insurers to charge older adults up to three times as much as their youngest customers.

Second, the law allows insurers to levy the full 50 percent penalty on older smokers while charging less to younger ones.

And finally, government tax credits that will be available to help pay premiums cannot be used to offset the cost of penalties for smokers.

Here’s how the math would work:

Take a hypothetical 60-year-old smoker making $35,000 a year. Estimated premiums for coverage in the new private health insurance markets under Obama’s law would total $10,172. That person would be eligible for a tax credit that brings the cost down to $3,325.

But the smoking penalty could add $5,086 to the cost. And since federal tax credits can’t be used to offset the penalty, the smoker’s total cost for health insurance would be $8,411, or 24 percent of income. That’s considered unaffordable under the federal law. The numbers were estimated using the online Kaiser Health Reform Subsidy Calculator.

“The effect of the smoking (penalty) allowed under the law would be that lower-income smokers could not afford health insurance,” said Richard Curtis, president of the Institute for Health Policy Solutions, a nonpartisan research group that called attention to the issue with a study about the potential impact in California.

In today’s world, insurers can simply turn down a smoker. Under Obama’s overhaul, would they actually charge the full 50 percent? After all, workplace anti-smoking programs that use penalties usually charge far less, maybe $75 or $100 a month.

Robert Laszewski, a consultant who previously worked in the insurance industry, says there’s a good reason to charge the maximum.

“If you don’t charge the 50 percent, your competitor is going to do it, and you are going to get a disproportionate share of the less-healthy older smokers,” said Laszewski. “They are going to have to play defense.”

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Categories: Abuse, America, Corruption, Democrats, GREED, Health, Money, Obama, People, Profiling, Republicans, Rich, Taxes, White House | Tags: , , , , , , , | Leave a comment
 
 

Move over World War 1 and 2, Great Depression and WW 3 is Comming


 

A comment for today’s COWARDS (a person who lacks courage in facing danger, difficulty, opposition, pain, etc.) you have disgraced this Country.
09-27-2012

Has this Country learned any thing in the last Ninety Years, it does not look like it has learned any thing but how to be greedy and want more, and self-centered, this Country and the World  is COMING apart and all you can do is complain about a call over some stupid Sports Game, building another Sports Arena, or admiring your self in the mirror.

When is this Country going to get a back bone and stop letting Politicians, Lobbyists, Environmentalist, Special Interest Groups, and Religious Groups tell you what you are going to wear, what you are going to buy, what Health Insurance to buy, and how long you are allowed to live.

Look back 47 years, a song Eve of Destruction   http://youtu.be/DhEwpRcPozE written by P. F. Sloan in 1965 and song by Barry McGuire, has any one learned any thing from what that song is about, NO, this Country means nothing to the American Citizen any more, it only stands for a Free meal that you don’t have to work for, free Health Insurance that some one else pays for, wait what do you mean that some one else will pay for, well if you fall in that poverty level and you don’t have the money, then who is going to end up paying, SOME ONE ELSE (that’s Obamacare, don’t have an income, then some one else ends up paying), Spending Money that you don’t have,  like Building Sports Arenas, Eyesores they call scenic get a way’s, and then let them fall apart, wasting money on speed bumps on roadways, race tracks at intersections, planting Trees and shrubs down the middle of streets,  and then saying it is for public safety, and the American People say OK, not NO, and for get about Americas Safety and their Children’s, and if this is not a greedy and lazy country today than I don’t know what is.

Do you want Americas Safety, if not than keep cutting our military, and open the doors wide to terrorism. Here is a Question: How would you like to see your child or Grand Child sodomized and raped and drug down the street alive and then killed in front of you, AND you can not do any thing to stop it but stand there and watch it, WELL this is exactly what you are doing by doing nothing and letting the Government and the Courts run your life and tell you what to do.

It is up to you, a free Country or a Country that has a Dictator Government (almost there now), what happens if Obama gets another four years and he has changed the Constitution around to where he can run as long as he wants, would you be up for that, this could be any one if you let it, but this is Americans Government Not the other way around. And if you think that I am for Romney for get it I don’t trust ether one of them, But I can see what Obama has done to this country already, and that is not what we need, more destruction of America and more freedom lost.

Now you have the up coming of World War Three or the Grand Daddy of  Depressions, you can take your pick because you will probably have both and you will not be able to stop it because you did not care when you had the chance, you just turned your back and let this Government do what ever they wanted.

You have Presidents that care more about OTHER Countries and their aid than they do HERE, they don’t want to work with any one, they would rather be Bullies of the World and change how they live and their Religion, which is sacred in this Country, but no, they can not keep their nose out of OTHER Countries religion or how they live, and now they are doing the same thing here in this Country, if they keep it up here they lose every thing that our Ancestors fought for.

Categories: America, Children, Democrats, Financial Crisis, Freedom Lost, GREED, Health, JOBS, Obama, People, Politics, Republicans, safety, White House | Tags: , , , , , , , , | Leave a comment

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