Why I’m Republican and Love Obamacare

OK, Money Talks News readers, I’ve psyched myself up, and I’m ready to upset a whole bunch of you. Yes, I am ready to out myself as an Obamacare lovin’ Republican.

I know some of you think MTN is shilling for Obama, but let me assure you if there is an editorial directive on health reform, I haven’t seen it. However, I have seen your reaction to posts by Stacy Johnson and Karen Datko on the subject and, as a freelance contributor to the site, I asked if I could add my perspective.

To be clear, the comments in this article are my opinion and mine alone and should not be construed as representative of the site in general.

I’m also quite sure some of you have your fingers hovering over the R-I-N-O keys so let me start by giving you my Republican credentials and political views.

  • I’ve never voted for a Democrat in my life other than maybe when I was 18, didn’t know what I was doing and voted for people based on how patriotic their names sounded.
  • I’m worried our entitlement programs have turned into a handout and not a hand up. Without better accountability measures, I think our current system traps families in a cycle of poverty.
  • I would love to be able to invest my own Social Security money because with the government in charge, I don’t think my money is going to be waiting for me at retirement time.
  • I’m concerned with our punitive tax system. We say it’s the American dream for everyone to make it big, but if you succeed, by golly, we’re going to take your money away and give it to someone else.
  • I think less government is better government, except in cases of life and death (which is where I think health insurance falls).

So that said, this is why I love the Patient Protection and Affordable Care Act, or Obamacare as it is so affectionately called by some.

I love that it will help ensure everyone has access to care

I’ve been reporting on health reform since before the law passed, and in the early days, there was a lot of concern about government death panels deciding who would get care and who would be left to die.

Well, we already have our own version of death panels: It’s called health insurance. If you have coverage, you get treatment. If not, well, tough for you.

True story: When my husband was diagnosed with esophageal cancer, the parting words of the doctor who did the endoscopy were, no joke, “I hope you have health insurance. Because you’re going to need it.”

Boy, was he right. When I called the cancer center for general information, they asked for our insurance information. When I made the consultation appointment, they asked for our insurance information. When we showed up, they checked our insurance information. In the middle of the consultation, we met with a finance guy who, that’s right, checked our insurance information.

And then get this. We show up for the first chemo visit, my husband is hooked to the IV and the nurse says she needs to wait a minute before getting started. When my husband asked why, she said it was because they needed to reconfirm our insurance coverage. My husband asked what happens if the insurance company says they won’t pay, and the nurse told him they would probably pull us back to meet with a financial adviser and they might need to change the treatment plan.

In other words, if you don’t have health insurance, you get sub-par treatment.

That brings me to the next reason I love Obamacare.

I love that it gives new options for those with pre-existing conditions

If you have only ever had insurance through your workplace, you probably think the health insurance system is great. I know I did when I had group coverage. But if you are one of the 5 percent of Americans who buy their own insurance, it’s a different story.

One huge difference is how pre-existing conditions have been treated under the law. The Health Insurance Portability and Accountability Act of 1996 limited the ability of group insurance plans to exclude coverage for pre-existing conditions. However, no such protection was extended to those buying individual plans. If you had a pre-existing condition and needed to buy your own health insurance, you were up the proverbial creek and without an oar.

Here’s my real-world example – one that helped change my view on health insurance. In the summer of 2010, in anticipation of leaving my office job, which provided our family insurance, I received a quote for individual coverage that was $800 a month with a $7,000 deductible. And that was the good plan out of multiple choices.

My husband was diagnosed with cancer a few months later and then our options dwindled down to exactly zero. Fortunately, a 1986 federal law – the Consolidated Omnibus Budget Reconciliation Act (COBRA) – gave me the right to continue to buy my former workplace policy for 18 months. It cost $1,300 a month but, hey, what else are you going to do if you need coverage?

Then after 18 months, thanks to that same federal law, our insurance provider was required to offer us an individual insurance plan. This mercifully dropped our premiums to $800 a month but gave us a $5,000 deductible. However, we were grateful to just have insurance since my husband’s pre-existing condition meant no one else would cover us.

You may be thinking there were high-risk pools for those with pre-existing conditions, right? Well, in our state, you needed to be uninsured for six months to be eligible. That’s not much help to people who have immediate medical needs.

It may also be crossing your mind that people could just get a job or they should have gotten health insurance earlier or it’s such a small percentage of people affected that we shouldn’t bother changing the system. Maybe or maybe not, but again, we’re talking about people’s lives here. I find the attitude of “too bad for you” to be disturbing, particularly when it comes from my fellow Christian Republicans.

I love that it focuses on preventive care and essential services

On a different note, I love that Obamacare is requiring insurance companies to provide free preventive services and cover essential services.

I know mandates go against the pro-business party line, but as a Republican, I appreciate the fiscal soundness behind this strategy. It makes more sense to pay $6,000 a year to help someone manage their diabetes than it does to have them develop end-stage renal disease, which can cost upward of $70,000 per year per patient.

Same thing goes for mental health services which, prior to the passage of Obamacare, were not covered by 1 in 5 individual health insurance plans. Under the law, mental health and substance abuse services are essential health benefits and must be covered by all new health insurance plans.

Does mandating mental illness coverage increase our health insurance premiums? Perhaps, but I can’t believe our costs will go up more than the estimated $200 billion we are already paying annually as a result of untreated mental illness. And that doesn’t include the emotional price we pay when someone’s untreated mental illness leads to tragedy.

In the short run, paying for preventive services and essential health benefits might cost us a little more. However, after crunching the numbers, I like to think my fiscally conservative friends would agree, in the long run, paying for preventive care simply makes sense.

I love that it gives premium assistance to working families

So many government assistance programs are geared toward people living at or just above the poverty limit, and I love that Obamacare is extending some financial love to the working middle class.

Many people work long hours to make ends meet and stay off the welfare rolls. If the government is going to be doling out money – and we all know it is – I’m glad these families are finally getting a piece of the pie.

Plus, as with preventive care, I would rather give working families a couple hundred dollars a month to supplement their premium payments and keep them covered rather than have us pay for their emergency room visits.

I love that it’s a start … but I’m not convinced it’s the answer

Finally, I love that Obamacare is getting the conversation started. It’s not perfect by any means, but it has moved what is, quite frankly, a life and death issue to the forefront.

That said, I am not convinced the Patient Protection and Affordable Care Act is the answer to our health care problems. These are my concerns:

  • Constitutionality. Despite the fact I was secretly rooting for the bill, I was shocked when the U.S. Supreme Court ruled it constitutional. While I understand the reason for requiring everyone to get health insurance, the mandate seems like overreach of government authority. My hope would be that if affordable health insurance becomes widely available, everyone would be smart enough to take advantage of it without a government requirement.
  • Government incompetence. My second concern is that the government may simply not be up for the challenge. Despite having three years’ advance notice, the online marketplace was and is a mess. It took at least 10 hours of my time to get my application in and, in the end, a technical difficulty preventing me from even being able to view my plan choices. Instead, I had to rely on a phone operator who had a questionable level of knowledge to explain the available plans. Couple that with all the people having trouble accessing their benefits, and I’m starting to wonder if the government is causing more harm than good.

So the law isn’t perfect in my mind, but at least it’s moving our health care system in the right direction — a direction that ensures we don’t leave marginalized people to die.

There you have it: That’s why I’m Republican and love Obamacare. Feel free to tell me why I’m wrong in the comments below or on our Facebook page.

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Comments & discussion

We welcome your opinions, but let’s keep it civil. Like many businesses, we reserve the right to refuse service to anyone. In our case, that means those who communicate by name-calling, racism, using words designed to hurt others or generally acting like an uninformed bully. Also, comments that include links to email addresses or commercial websites typically aren't posted. This isn't a place to advertise your business.

  • Daickl

    I think you’re right about Obamacare, and I think its a shame the Republicans won’t work together to make it better. I believe if they were willing, we could have an Affordable Care Act that would be world class.

    As for your comments on our punitive tax system. (I’m concerned with our punitive tax system. We say it’s the American dream for everyone to make it big, but if you succeed, by golly, we’re going to take your money away and give it to someone else.) I believe that this great country made it possible for everyone to make it big, and in doing so, it’s only right they give back to that great country. They shouldn’t feel it’s a punitive tax, rather a privilege to be able to do so. There are millions living in other countries (China, North Korea, Russia, Cuba, etc.) who would love that opportunity.

    • catedean

      Daicki. Certainly you can’t possibly have forgotten the several plans the Republicans pushed for Healthcare reform.

      http://1.usa.gov/1dHsEeC

      http://cnnmon.ie/1jKzIKX

      http://bit.ly/1hT789P

      http://bit.ly/1hT7eyd

      http://cbsn.ws/1eYyetb

      You know all the plans the DEMOCRATS refused to even read or comment on. They promptly threw them all away and pushed this / Their monstrosity forward. Not one Republican voted for it. Remember too, that Republicans tried to at least have a conversation in hope to meeting at the table TOGETHER with Democrats. They were met with Obama announcing … “The Election is over…. I WON.” Nice way to start a good faith collaboration for the benefit of the People of the United States, huh? Perhaps you should refresh your memory. I supplied some useful links as to what happened in 2009. Even a run down to compare at the time the differences between what Republicans were proposing, and Democrats. have a great day.

      • Ruby

        This is a selective memory of attempts at a conversation about healthcare. Remember when the townhall meetings congress were having in their particular states were shouted out by “conservatives?” Or that last minute conversation TOGETHER Republicans wanted to have after almost a year of “no, no, no” to everything suggested even previous Republican ideas was to start over, not to tweak the bill where it was but to start over. And at this time we all know about the Republican leadership meeting within days of Obama becoming president to make sure any “good faith collaboration” was derailed. I think McConnell’s quote was “to make sure he is a one term president.”
        If in fact Republicans had negotiated in good faith we would have a better bill. Instead of over 40times voting to repeal the bill they still have an opportunity to improve it if they wanted to help.

        • catedean

          >>Remember when the townhall meetings congress were having in their particular states were shouted out by “conservatives?”

          Why Yes, I do. I also remember that People were FREAKED out because the Bill (which was NEVER read by a D-Rep) exposed all it’s glory to those people when they actually READ THE BILL, and had questions at those Townhall meetings that needed answers from their Representatives. Shouting?? I remember that those Representatives were scared to confront people that were DEAD SET AGAINST a Government take over of their personal Health Decisions. Wouldn’t YOU be a bit upset if your life was hijacked by people who were voted into office to represent the will of the constituents and then they voted against those people? Hell Ya, I’d be upset. Plus I don’t think it’s absurd to expect answers to my questions about parts of the bill that drastically effect my life. Something those Reps should have expected. Some of those Reps did expect that, and hired SECURITY people to escort those people out of the meetings if they asked ANY QUESTIONS about the Healthcare Bill. If you’d like I could post so Youtube videos to refresh you memory. It’s always nice to repost scenes of Grandma and Grandpa being manhandled by some schmo and physically removed from a Townhall meeting.

          All in all, Looks like those people that took the time out of their life to show up at those Townhall meetings (probably most of them doing something like that for the FIRST time in their life) were right! It is a disaster! Premiums are MUCH higher than was was repeated by their Reps, and the President of the United States, over and over again. Deductibles are astronomical, and then you have co-pays that are problematic on top of all the out of pocket expenses that will be difficult to deal with. So where is the DEAL? Where are the 2500.00 savings each Family was to see? Why are people losing their Doctors? Why are Hospitals closing? Why is it hard to find a Doctor in California to see you if you bought your insurance on the exchange? Why are they raiding Medicare of 700 B dollars to fund Obamacare? It’s all happening and effecting people and they are not going to accept a “He said She said explanation.” Maybe that’s what you need to feel good about the Democrat Party that has screwed our Economy, and Healthcare.

  • Robert

    It is as simple as stated. Health care must not be a privileged benefit. In the short and the evolutionary perspective we will see a society of greater health, understanding, productivity and cooperativeness simply through an equality of health care. It is a small necessary step to rekindle our potential.

  • Tired!

    Not everyone has a positive experience. It’s costing my daughter her job. It will also cause her family to have to pay almost $900 per month for medicine for one of their children. Frankly, out of a family of 10 only one will be helped. We are working class people. I agree that all should have access to health care, but firmly believe this is not the way. Maybe if we could close some of the loopholes for unauthorized people to use the system, and also cut out fraud, the system might work better. Let’s face it. From what I’ve seen, this is just one big mess. In “trying to help” some, others are screwed. What a trade off!!

    • TeeTime

      Would you care to point out cases of fraud and those that are unauthorized to get ACA.

      • joeythew

        There’s fraud inherent in every system. Fraud, Waste, and Abuse needs to be tackled.

  • archon41

    No, conservatives don’t believe “doling out money” is the reason we created government. I see no mention in your discussion of what Obamacare is going to cost. With the exception of the ill or subsidized, the cost is going to be shocking for those trying to obtain coverage through the exchanges. According to the Humana website, a 62 year old couple earning as little as $65,000 a year can expect to pay almost $1,300 a month for the most inexpensive policy with a $2,500 deductible. The cheapest plan (bronze) costs only $431 a month, but has a $6,300 deductible, which must be satisfied before any payment is made for illness, injury or emergency visits. This is “affordable”? Healthy, working families who can’t qualify for subsidies are going to go without insurance, while others enjoy their subsidized good fortune. This takes us to the issue of what Obamacare is going to cost the public. There is simply no way enough “pajama boys” can be herded into the exchanges to make them actuarially sound. The underwriting losses of the insurers, despite glib assurances to the contrary, are certain to be massive, and we now know that the public has artfully been manipulated, through covert “risk corridors,” into making good those losses. No true conservative would have countenanced the duplicity and deception resorted to in making it possible for Obamacare to become law. There should have been full disclosure of the costs, and a principled discussion of the most effective ways to assist those who can’t afford or qualify for insurance.

    • Brian Skinner

      This time may be more durable. Insurance and hospital executives in Massachusetts, Illinois and California, among other places where reforms have gone the furthest, report a consensus that spending growth had become unsustainable, and that expectations that Washington would force changes to the system spurred them to make changes themselves.
      Whatever the reasons, the overall slowdown in health costs has led to lower 2014 insurance premiums than analysts anticipated. That means not only cheaper plans for many consumers, but significant savings for the government.
      One study by the liberal Center for American Progress, for instance, found that an average individual premium for a plan with relatively high out-of-pocket expenses in the insurance marketplaces is $3,900, about 16 percent lower than the $4,700 expected. If those savings were to stick, the Affordable Care Act would cost about $190 billion less than expected over the course of a decade, the center estimated.

    • enkelin

      Republicans have no problem doling out trillions to Banks and Big business especially military contractors. But let someone try to help average Americans and the GOP goes all “oh Hell NO”

    • Jenny

      “a 62 year old couple earning as little as $65,000 a year can expect to pay almost $1,300 a month for the most inexpensive policy with a $2,500 deductible. The cheapest plan (bronze) costs only $431 a month, but has a $6,300 deductible, which must be satisfied before any payment is made for illness, injury or emergency visits. This is “affordable”?” We are a family of 7 making $51,000 per year!!! before Obama Care we paid for a policy through my husbands work that was a $4000 deductible per person including prescriptions! Even after that you still had to pay “cost share” of another $1000! this is all “in network” everything was double those amounts if our Dr was not in the “network”!! NOW that was not affordable. Today we pay our state for coverage and a small “cost share” with every Dr visit & prescriptions. Thank you Obama…I am glad you Care about us!!!

    • joeythew

      Who has $6,300 lying around with heating costs, gas, food etc. going up. Unreal.

  • Y2KJillian

    My husband is going to retire January 2, 2015 on a pension, our savings, and our 401K. He won’t take Social Security until he’s 66. He has rheumatoid arthritis and I have diabetes, and before Obama/Romney/ACAcare, other than Cobra we had no options. His company’s current health plan is quite good, after many years of changing from plan to plan trying to keep it affordable for his employer…I spent a bad week trying to put the whole plan together when my husband announced last Monday afternoon that he’d had it; he hurt too much and was exhausted every day, and was going to retire whether I was ready or not (I do the finances). After some ridiculous mistakes (inputting our annual salary as “monthly”, for example, resulting in the Washington State exchange deciding we made $626,000 a year), I finally found some quotes from “Obamacare.”
    Cobra would cost us $600 a month, plus $5,000 each and $6,000 each deductible, co-pay, and co-insurance amounts. More or less. The drug plan is reasonable and has no deductible, but the co-insurance amounts are high. We pay about $300 a month for medication, and that would continue if we took Cobra. (That’s 3600 a year for pills, powders, and injectibles.)
    On the WA state healthcarefinder site, I found a gold plan that, at our projected retirement income of $36,000, would cost only $549 with only a $400 annual deductible for both, and of course the usual total out of pocket of $6,000 each. Once the deductible is paid, the drugs are covered with only a $15 co-pay each; figuring we take about 10 different medications, that would be $150 every three months, rather than what we’ve been paying.
    Is all this set in stone? NO. Is it better than nothing? YES. Does America, the last 1st world democracy on earth that does NOT offer national health care to its citizens deserve something much better? YES. Aussies, Brits, Germans, Japanese, even Costa Ricans all get “FREE” health care. Sure, they pay it from their taxes, but it allows reasonable household budgeting because it doesn’t vary depending on whether or not you are sick or had an accident or –whatever. We would get used to it, too. Germans, for example, when we lived in Berlin for a year, said they paid 25% of their income, period, across the spectrum of income–eveyrone paid 25%. For that they got health care, education including college (if they could pass the tests), far more vacation time than we get here, and they LOVED it.
    Of course, their government isn’t policing the world, spending anywhere like the amounts or percentages of their national dollars on military/industrial complexes.
    This author talks about smaller government. I find the Republicans tend to be the same size…it just spends the money on the military, about ten times bigger than the next four nations on earth spend on theirs, rather than on citizens’ services.
    We’re at a crossroads, people. This is a reasonable first step…I hope I live to see the day America wakes up and gets decent, because not providing health/medical care to our citizens is a national disgrace.
    JillianY2K .

    • Sandra Kendall

      Get your facts straight before you use them to convince others. I’m married to an aussie, have lived as an “aussie” have brit relatives and what you say is a farce ! Our aussie daughter has been waiting two years for whats being called a “simple” operation to correct a heart defect discovered after her daughter was born 3 years ago. Took a year to figure out what the sudden rapid heart rate that causes her to pass out all the time was being caused by. Figured it out, now must wait for her turn in this ridiculously underfunded “free” system. My “aussie” sister-in-law with breast cancer, well you wouldn’t want any of your family put through what she has been put through, thats for sure. My Canadian aunt (another free system) comes to the US because the waiting list is so long to get anything done. As far back as 1997 the Australian government mandated all “workers” purchase their own private health insurance because the “free” system could no longer pay for it all. I know this for a fact because I was living there with my Aussie husband and as an american permanent resident was covered under these laws. I’m not even arguing here the pros/cons of the Obama mess, there are many but YOU…….need to get your facts straight before you start attempting to use heresay to convince others that the world is perfect outside the US. It is NOT !!!!!!!! In fact, go live in one of those countries to figure out what the truth is if you don’t believe me. What you are doing is just like those going to the polls and voting based on what you have “heard”, not on the facts that you have worked to inform yourself of.

      • Lisa Fabre

        Wow. The ignorance and meanness of your reply is unbelievable! YOU need to learn the difference between “facts” and “experiences”!! Just because your experiences with healthcare are bad and her experiences are good does not make her guilty of telling a “farce”. Nor does it make you an expert on healthcare in other countries. I am an American who lived in Canada for four years and had a baby there via c-section. The healthcare I received was great. And most of the Canadians I know and met are perfectly happy with their system. But that’s called my personal “experience” and if you are going to have a valid, civil discussion about healthcare, all you can really do is share your “experiences’ with others. But to tell someone they are telling a farce, or accusing them of voting without being informed is just plain ridiculous. You sound like a perfectly “Ugly American” to me!! Shameful.

        • joeythew

          So because your experience was good and hers was not you stoop to calling her an Ugly American. SMH.

          • Lisa Fabre

            Well I’m SMH at your inability to comprehend what you read. She’s acting like an ugly American because she personally attacked another commenter who had a different experience than her. We all have different experiences and noone’s are more or less important than the other’s. See the difference??

          • thenextgenius

            Lisa Fabre, go troll somewhere else please.

          • Lisa Fabre

            I’m defending someone who was personally attacked because her experiences were different than someone else’s and I’m the troll??? That’s hilarious! And kind of sad….. I hope that void you have in your heart gets filled soon. Peace.

        • reeblite

          she can’t help it, it’s typical republican hate mongering. i’m overjoyed with my new affordable healthcare, god bless you, president obama.

      • Debbie

        Thank goodness Obamacare is nothing like the system in England or Australia. Maybe you may want to check the facts. We are all buying insurance from the private sector and get our care from the private sector. The fact that we will all soon have health insurance does not turn our system into theirs. Stop listening to Fox news, they are not as fair and balanced as they would have you believe.

  • Debbie

    As many of your points can be valid, there are many, many concerns for those of us who have been paying high insurance premiums and deductibles ($10,000) for over 25 years on PPO Plans. My spouse & I were able to keep our current health insurance plan by doing so we incurred an additional $75/month added to the policy. The bad news is we just had a rate increase in September for an additional $100+/month. My spouse had a scheduled surgery on January 17 (originall scheduled in October 2013) and the Monday before the surgery we received a call from the Dr. that the procedure was now considered experimental and will not be covered by insurance including the Surgery Center. The Dr. received the letter on January 10 stating the procedure would no longer covered by insurance plans beginning January 9 (definately no warning). At this point my spouse has already done pre-operative tests including bloodwork, EKG and Chest X-Ray which we will paying out of pocket since we have $10,000 deductible). This particular procedure/surgery has been in practice for more than 2 years, and results showing 80%+ positive patient results. The surgery would cost out of pocket $7000+ and would not be applied toward deductible or discounted by insurance. It would be illegal for the Dr. to submit a claim to insurance. However, just a few weeks ago it was approved by the same insurance company/policy. So we are paying alot more for our monthly premiums, however, we no longer can have any necessary procedures we need.

    This is the result of everyone now having insurance, and someone else picking up the costs of pre-existing conditions and normal care being covered at lower premiums. I don’t find that to be fair those of us who have paid high premiums all these years and now have to pay cash for surgery. I am being told by numerous physicians that many procedures are being canceled and unless it is life or death emergency most surgeries and procedures are no longer covered. Also people who have been on dialysis for years on insurance are losing their coverage for dialysis. They must pay cash in order to stay alive. We believe everyone should have the right to have insurance, however, it seems like those who are finally starting to get ahead in life are going backwards in order to support the new laws. If the Obama’s need a surgery or procedure it won’t matter the Government (WORKING Americans) will pay for it for their rest of their lives. These issues will never affect them. We don’t have that luxury as hard working Americans trying to get ahead, and when we do the government takes more of it. There should be some incentive for Americans who are trying to get ahead in life, (or as described above as the American Dream for everyone to make it big), not more taxes and less insurance coverage which encourages people to be lazy and do less.

  • Isaiahdolan

    I also would love to see everybody covered. We already spend 18% of our GDP on healthcare. Denmark, which offers good healthcare to 100% of it’s citizens only spends 12%GDP. Why can’t we replicate them for 15% GDP? (Why? Because of insurance companies and lawyers, etc.)

    But Obamacare is not the answer – it is simply a dysfunctional nightmare composed by various special interest groups. Sort of like how a committee was supposed to design a horse and came up with a donkey.

  • mar5t1n

    You asked for comments about why you’re wrong to love obamacare. You’re not wrong, you can love any thing you want. That is certainly your right. Now let me say what I feel. You are not fully informed enough to love obamacare as a totality, because even though it does have some positive things (I doubt all of us even agree on how many there are, because a positive to you may be negative to others), there appear to be at least as many(same doubt obviously could be applied) if not many more negatives, and it isn’t the count of the negatives that is of concern, but the impact. And you quite swimmingly addressed some those impacts in your article. Premium assistance is a euphemism for higher taxes and sharing the wealth (how is that assistance otherwise possible)? There is no such thing as “free” anything, most people have learned this by now. It is not getting the conversation started, it is already a law which curtails productive conversation to some degree. The originating conversation which resulted in obamacare seemed to me to be quite one sided, that used to called a dictate. Constitutionality is definitely an issue, government incompetence has already been fully displayed and is reinforced almost daily, and other ideas less intrusive to the total process have been shut out. Lastly, with rare exception obamacare has NOT and by nearly every measure imaginable to an intelligent thinking human will not accomplish the stated goals. Everyone will never all have coverage, the bill itself plans to have some 30 thou uncovered (about same as start point). Costs are hardly what a rational person would call affordable, no adequate plans have been made to provide the additional medical personnel to take care of the expected newly covered, hidden taxes and fees are ridiculous, and to answer your wondering, that’s a definite yes to the gov’t is doing more harm than good.

  • tango_zulu

    I’m a Democrat and I love Obamacare

    Before the ACA I had a real concern that with the aging baby boomers and the increased healthcare
    costs my insurance company might not be around when I needed them. The ACA risk corridor provision, insures that if my insurance company does not make enough money from the premiums payments collected, the taxpayers will subsidize their profits. This insures that the CEO will get his annual million dollar bonus. I now feel reassured they will be there when I need them.

    • Brian Skinner

      Obamacare specifically prohibits that. Out of every dollar taken in, 80 cents MUST be spent on claims and ONLY 20 CENTS can be kept for administrative expenses. For the last 2 tears millions have gotten a check back from their insurance carrier. The million $$ bonus will have to come out of the 20 cents and that wont happen

      • tango_zulu

        Brian you might want to look at the annual report for some of the insurance companies. Humana posted a net income of 1 billion 222 million again that was net income.

  • Tricia Campbell

    You are certainly entitled to your opinion, but as a person who lived under nationalized medicine for six years (when I lived in the UK), I can tell you BY EXPERIENCE that it’s not all it’s cracked up to be. The wait times to see general practitioners (not to mention specialists!), the minimally acceptable treatment (oh, you think you have a gall stone? go home and take some Maalox because we can’t remove them for at least six months), the constant run around trying to get the care you need, are all things we have to look forward to under this horrible plan. Yes, I agree that those who have no coverage need to be cared for, but I don’t think that ruining the perfectly fine healthcare that over 80% of Americans enjoyed, just so 10-12% can be covered was worth it. And, as someone below stated, the damage this will do to our economy in the long run will be horrifying. If your taxes haven’t risen already, hold onto your wallet because it’s just a matter of time. You may be a Republican, but you’re certainly not an informed one.

    • Ruby

      The damage was already being done. Over the last 10-15 years the rate of healthcare cost far out paced inflation. Most of the people who filed for bankruptcy did so because of healthcare cost. People were using the ER to treat things they should have had taken care of by a clinic provider. To cover the cost of treating the uninsured, the insured were charged more. We are not that country that accepts that a hospital won’t treat you if you come into their ER. Some people are ok with that in theory but not in practice.
      No matter what you pay in premiums healthcare insurance is not free. There are costs be it in medications, some just aren’t covered or your copay is costly,same with homecare and rehab. If you have an employer sponsored insurance and haven’t tested it by being sick you really don’t know how good it is, you just know whether you like what premiums you pay. It doesn’t take much for someone to become unemployed and in need of affordable healthcare.

      • Dale Nye

        The funny thing is that it is estimated that those people will still be using the ER. Has anyone tested Obamacare yet. The only stories I have heard are people who tried and found out either they did not have insurance, or that is was not accepted. Sorry, but Obamacare is going to be a disaster and all you people loving it are in for a rudse awakening.

  • Jo2Jo

    Healthcare Savings Account and Catastrophic care Insurance

  • glenzo59

    The socialist healthcare systems that we find in the western world are the result of demographics. I call it a demographic indulgence. Babyboomers post WWII spent the past 60 years young, earning and healthy. It was a large population of these folks supporting a much smaller population of older folks. Now, the Boomers think that its their turn to collect. Unfortunately, we will find in the coming next decades all of those ‘wonderful’ government run healthcare systems in the Western world be bursting at the seams and many will suffer. In the USA, Obamacare does nothing to address the problems in the heath systems in the USA and we will end up with Less people covered, POORER services, LESS access, and at a GREATER Expense. This is the legacy of government. Incompetence mixed with a blizzard of bureaucracy will be a lethal combination for many many people.

  • tango_zulu

    Oh I did, But you didn’t mention that it more significantly limits their losses. The way it is written an insurance company would be better off at 110% of projected cost than at 100%. You may need to do a little math to understand the Idea and how that works. Sort of the same thing as mark up vs Margin.

  • tango_zulu

    All I have to Ask is, what did you personally do to help these people. Did you donate money, did you organize a fundraiser. Or are you one of those who think other people should do something about it. Did you even take the time to write a letter and express your opinion. Bet none of the above. I am so tired of people expounding on the plight of the poor and sick while they , sit on their butt and wont actively do something. And yes I have done all of the above more than once. Every Democrat I have met wants to help the poor, the sick, the downtrodden, so long as they can use someone Else’s money and they don’t have to deal with up close and personal. There is a name for those people hypocrites.

    • Dan

      The ignorance of your post is typical, but still saddening. Every word you said applies 100% to the police, FBI, and military. Have YOU stepped in to help save your neighbors from theft or assault? No, didn’t think so. Have YOU incarcerated any bandits to protect others from their mischief? So, by using MY MONEY to protect YOUR property YOU are a hypocrite too. (Why should people in outside New York or D.C. have to spend a nickel for the “war on terror”? Most states don’t have high profile targets, and so it’s a waste of their money to go after Al Qaida. …See how stupid and selfish your logic truly sounds?) There is a major fundamental difference in conservative and liberal ideology = individual action vs. systemic action. Liberals choose systemic action because it has a far better chance of bringing widespread aid. Individual action is “catch as catch can.” Voting for reforms with a willingness to pay for it with taxes goes a lot further towards helping large numbers of people than simply handing a sandwich to a poor person. It might be elitist and impersonal, but it’s more effective.

      • tango_zulu

        Your post is the one that is saddening it clearly shows the liberal mentality. I am a supporter of the the local law enforcement organization and contribute every year to the fund for injured police and the families of the brave law enforcement people who put their safety at risk for my welfare. Do you, bet not. I also contribute to several homeless shelters even though they get federal funding the money never seems to be enough you are right they are better equipped to help the many then I am. I contribute to an organization that provides medication to those who can not afford it, free of charge, again they do a much better job than I alone can, again they get federal and state funding and again the money is never enough BUT I don’t Say It’s the Governments Responsibility to take care of these people I do something about it: Something no liberal or only a very few liberals are willing to do open my wallet and help.

        When I was in high school I volunteered at a summer camp for underprivileged and disabled children and yes I did grunt work there, I cleaned the kitchen, I helped cook and anything that was required of me did you do anything of the kind. I bet not. from your post the only effort you have made to help and change the lives of those in need is to vote, and make it the responsibility of other people . Wow! how great a thing that was. Bet you feel good about yourself. Your post Confirms my understanding of the liberal mindset Let someone else do it!!.

        I chaperoned a sleep over for high school seniors in the Subdivision club house were I lived. the next morning as I cleaned the grill in preparation to feed the high schoolers, one of the well know liberals made a condescending remark loud enough for all to hear that I cleaned the grill like I had experience,meaning I was low class because I must have worked in the service industry. I let it go no point in calling out a mindless ,elitist self,righteous liberal moron is there.

        Thank you for confirming my belief about Liberals

  • Brian Skinner

    What Republicans don’t want: Florida woman cries tears of joy after getting $3.19 Obamacare policy
    JoAnn Smith, a 60-year-old Florida woman, is making headlines as the latest Obamacare success story. Smith told NBC News that she “just instantly burst into tears” when she was able yesterday to sign up for a $3.19 a month health insurance policy through Obamacare.
    Smith described the low-cost of her federally-subsidized plan as “totally mind-blowing” and praised the Obamacare call center agent who assisted her sign-up as “the most loveliest of helpers.”
    Previously, the aging Smith had been uninsured. The company for which Smith is a medical transcriptionist does not offer coverage to its employees.
    “They took a vote at the company and people wanted more money in their pockets,” Smith was reported as saying. “I have had four paycuts in one year.”
    Smith’s new, highly affordable Obamacare policy will cover her household, including her unemployed husband Eric, age 56
    Republicans who are praying for the failure of Obamacare do not want stories like the one told by JoAnn Smith to get out, but Smith’s Obamacare success story bodes well for Democrats running for re-election in 2014.
    Republicans who are praying for the failure of Obamacare do not want stories like the one told by JoAnn Smith to get out, but Smith’s Obamacare success story bodes well for Democrats running for re-election in 2014.

    • shortcake12

      Yeah of course she loves it….but what about the rest of us who are subsidizing her cost. There is no way anyone should be paying this little amount for insurance especially if they are working!!!

      • glj

        Yes, that is an absurdly small amount for a working person. There should be some agreed, national rates. As for subsidizing though, we still were paying for uninsured people before. As the writer says, it is much cheaper to pay for someone to manage their diabetes than to have them have a major medical breakdown, then have to pay for that (6K per year vs 70K per year in the given example). Prevention is better (and cheaper) than cure, and now millions more people have access to prevention. However, I think the ACA is not the solution to our health care issues. It is just a stopgap measure on the way to true universal health care, like they have in every other advanced nation of the world. Could take 20 years to get there though, and the existing system will have to collapse first. That might be ugly – as the doctor quoted in the article said, “Hope you have insurance. You’re going to need it”.

    • DCP the Lesser

      She hasn’t received her bill yet. Wait until she does. Unfortunately, I can pretty much guarantee that her story won’t get broadcast by NBC News when it hits the fan. You still have to pay your premiums and get the subsidy at the end of the year, at tax time (unless things have changed recently and I missed it all). So, hopefully, they are putting aside money to pay the premiums in their budgeting. But, even there, lurking in the shadows, are their likely massive deductibles for a policy like the one she has, before the insurance company starts paying on certain medical procedures that may well crop up for them at their ages. As I said, she hasn’t gotten the bill yet to see the sticker shock. I bid JoAnn Smith good luck and Godspeed. She is going to need it. Unfortunately, the mid-term elections will speed by before the real damage to the pocketbook will be seen.

  • Brian Skinner

    Well said. I worked for Obama’s campaign in 2012 and got the chance to meet him a number of times. He is very down to earth and easy to talk to. I support Obamacare but I have to admit I live in MA so we are used to it. I am surprised that when Mitt pulled this, no one wailed. We did wait till the last minute but we found out the sun still shines.

    4. Massachusetts

    > Pct. obese: 22.9% (2nd lowest)

    > Cardiovascular deaths per 100,000: 217.7 (5th lowest)

    > Physicians per 100,000: 196.1 (the highest)

    > Pct. visiting dentist in 2012: 76.2% (the highest)

    Massachusetts had the second lowest obesity rate in the country last
    year at just 22.9%, compared with more than 27% nationwide. The state’s
    health care system has provided a model for the federal health care
    reforms. More than 96% of the state’s population had health insurance,
    considerably better than any other state in the nation. And
    Massachusetts residents used their coverage. A higher rate of the
    population had their cholesterol checked and went to the dentist than in
    any other state. The state also benefits from the availability of
    primary care physicians. In 2011, there were nearly 200 physicians per
    100,000 residents. Additionally, a greater percentage of adolescents in
    Massachusetts were immunized than in all but one other state.

  • TeeTime

    It’s good to know that you will be refusing SS, Medicare, and the ACA. That way, it will be more for us no-count potheads, who lay in our feces. Is there any way you could cut back on using the highway, postal, and any other government subsidized system. It will mean more for us ne’er-do-wells on food stamps who are out to bleed you dry. Thanks and have a lovely, libertarian life.

  • tcidda

    u would be a fool

  • Betty

    I am an 80 year old widow. Both my husband and I had full working careers, and paid our income taxes and our Social Security taxes. My husband’s employer, a bank, paid our HMO coverage. When he retired, we went on Medicare, but we still paid additional premiums each month to maintain our HMO. Our coverage was excellent; we received wonderful care, including hospice services when my husband passed away a year and a half ago. I am personally still covered by this same HMO, Kaiser Permanente. Enter my 50 year old bipolar, gay daughter. Until the Affordable Care Act, neither my daughter nor her partner were able to afford coverage. My daughter works at marginal jobs, warehouse work, which does not offer coverage. I have been desperately worried about them….since my daughter’s partner has polycystic kidney disease.
    Can you even begin to image the relief I feel when I find out that, because of the Affordable Care Act, they are both fully covered for both medical care and prescriptions? (Bipolar meds are very expensive.)

  • shortcake12

    “So the law isn’t perfect in my mind, but at least it’s moving our health care system in the right direction — a direction that ensures we don’t leave marginalized people to die.”

    We are not sure about that last part yet…are we?