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Stoopid Obamacare
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G-Man Offline
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Post: #41
RE: Stoopid Obamacare
(09-11-2014 08:05 AM)EverRespect Wrote:  
(09-11-2014 08:02 AM)G-Man Wrote:  
(09-10-2014 09:31 AM)Redwingtom Wrote:  Kaiser survey finds employer sponsored health care costs only increased 3% in 2014.

Quote:Annual premiums for employer-sponsored family health coverage reached $16,834 this year, up 3 percent from last year, with workers on average paying $4,823 towards the cost of their coverage, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2014 Employer Health Benefits Survey. Survey results are released here in a variety of ways, including a full report with downloadable tables, summary of findings, and an article published in the journal Health Affairs.

2014 Employer Health Benefits Survey

1. Yet, employees have become LESS satisfied with their healthcare benefits since Obamacare was implemented-- NOT more satisfied:

http://www.benefitspro.com/2014/01/30/em...ts-cooling

And Obamacare is supposed to be for employees, not for employers, RWT.

2. The cost "controls" of Obamacare are temporary. They're due to subsidizing the insurers' losses. ALL premium increase figures are currently ARTIFICIAL because of the subsidization that will NOT last. And when they go away, we'll all see just how bad Obamacare is at "controlling costs"...

There are no cost controls. Deductibles are skyrocketing. Used to be $3,000 was considered a high deductible plan. I am now seeing them has high as $12,000.

You are right. BUT, I would say what you're talking about is CLAIMS cost controls. I'm talking about PREMIUM cost controls. Obamacare is bad on BOTH.
09-11-2014 08:10 AM
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Owl 69/70/75 Offline
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Post: #42
RE: Stoopid Obamacare
Right now, Obamacare is a zero-sum game. There's no more health care than there was before, it's just being allocated differently by the system and the costs are being allocated differently by the changed insurance model. There are winners and losers, but no net gain or loss. Nothing more has been put into the system, except arguably the various subsidies which are funded by taxes taken from others or deficits taken from the capital markets, so there's no net gain, just taking from A to give to B. If you are on the receiving side like Red Tom, you are lucky. Others not.

The only way for there to be a net benefit system-wide is for more health care to be created. The provisions of Obamacare relating to providers almost certainly will mean less health care than a free market would provide. There won't be a mass exodus. If I'm 50 and have spent my adult life in medicine, it's really too late to go be a civil engineer. But going forward, fewer of our best people will be attracted to medicine, and that means either lower quality or reduced access. CBO even discussed this in their letter to Harry Reid way back when.

Spiking the football over short-term impacts which basically mean nothing more than that you are on the winning side of a zero-sum game is pretty juvenile, Tom. Particularly when the long-term impacts are almost certainly a negative-sum game.
(This post was last modified: 09-11-2014 08:23 AM by Owl 69/70/75.)
09-11-2014 08:22 AM
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G-Man Offline
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Post: #43
RE: Stoopid Obamacare
(09-11-2014 08:22 AM)Owl 69/70/75 Wrote:  Right now, Obamacare is a zero-sum game. There's no more health care than there was before, it's just being allocated differently by the system and the costs are being allocated differently by the changed insurance model. There are winners and losers, but no net gain or loss. Nothing more has been put into the system, except arguably the various subsidies which are funded by taxes taken from others or deficits taken from the capital markets, so there's no net gain, just taking from A to give to B. If you are on the receiving side like Red Tom, you are lucky. Others not.

The only way for there to be a net benefit system-wide is for more health care to be created. The provisions of Obamacare relating to providers almost certainly will mean less health care than a free market would provide. There won't be a mass exodus. If I'm 50 and have spent my adult life in medicine, it's really too late to go be a civil engineer. But going forward, fewer of our best people will be attracted to medicine, and that means either lower quality or reduced access. CBO even discussed this in their letter to Harry Reid way back when.

Spiking the football over short-term impacts which basically mean nothing more than that you are on the winning side of a zero-sum game is pretty juvenile, Tom. Particularly when the long-term impacts are almost certainly a negative-sum game.

Actually, you're wrong, Owl. (A very rare thing, but still true.) Obamacare is NOT a zero sum gain. It is FAR MORE expensive, than what we had, without bringing more value.
09-11-2014 08:38 AM
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Fitbud Offline
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Post: #44
Re: RE: Stoopid Obamacare
(09-10-2014 08:58 AM)Redwingtom Wrote:  Just got an e-mail that our health care provider will be moving from Aetna to Cigna next year.

Thanks to Obamacare I will now have a limit on my out-of-pocket costs they can charge me for prescription drugs.

Also, my premiums are going to soar by approximately 1%.

IMPEACH!!!

The evil bastard. Lol

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09-11-2014 09:26 AM
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G-Man Offline
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Post: #45
RE: Stoopid Obamacare
RedWingTom, when you attempt to make the argument about whether Obamacare is working, based upon this year's renewal premium increases for ACA plans, it's superfluous.

Obamacare is about the promise of providing BETTER coverage; providing a better system. To the contrary, artificially controlled (and only temporarily implemented) bandaids as part of Obamacare's initial slight of hand attempts to "control" premiums, to give an "appearance" of cost controls that do not exist, do not equate to Obamacare success.

What equates to its success is this: Whether the people it's supposed to be helping (i.e., Americans in all walks of life--not isolated examples from individuals--whether pro or con) are actually benefiting from it? Beyond the extreme or isolated arguments either way, you have to look at the whole.

And here's more evidence that the majority of Americans simply do not believe that they are benefiting from Obamacare:

http://insurancenewsnet.com/oarticle/201...BGtsfldWCk

And this is the same example you cite, regarding ONLY the premium increase. However the real "news" is employee dissatisfaction over the COVERAGE.
(This post was last modified: 09-11-2014 09:39 AM by G-Man.)
09-11-2014 09:37 AM
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EagleRockCafe Offline
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Post: #46
RE: Stoopid Obamacare
Obama..."If you like your plan, you can keep your pan."



09-11-2014 09:43 AM
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Fitbud Offline
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Post: #47
Re: RE: Stoopid Obamacare
(09-11-2014 09:43 AM)EagleRockCafe Wrote:  Obama..."If you like your plan, you can keep your pan."




Thank goodness. I need my pan to cook dinner tonight.

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09-11-2014 10:15 AM
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Hambone10 Offline
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Post: #48
RE: Stoopid Obamacare
(09-11-2014 07:35 AM)Machiavelli Wrote:  Gentleman,

You are going to pay for it here or there. The people who were propping up the system before were those who themselves were sick or those who had family members who were sick and when you talk about MediCaid. Those guys had the gold card. So let's say you did have a debilitating disease. Do you purposely go bankrupt?

We need to put a national sales tax together. Charge 1% for health care. If the right really wanted to get creative you would find a way to tie it in with a VAT and try to eliminate all income taxes to 15% or there about and up the VAT.

Now let's go back to 2009. It's always better to be in the room making decisions than on the outside bitching about decisions. You may not get what you want but you can influence it. Your party tried to tank it. That will have proven to be a colossal mistake. Mark my words. Mark it DOWN!!!!


Yes. Step number one SHOULD have been total honesty and transparency about what was happening. We should have either implemented a new tax as you describe, or simply increased the medicare tax rate. Instead, we got this whole... it IS a tax, it ISN"T a tax shell game from a President who promised to be transparent.

Step two should have been to increase the supply of healthcare by increasing funding for residency slots through Medicare, as opposed to shifting hundreds of billions of dollars AWAY from medicare. Its a bit of semantics (the shifting of the money) as the power to spend was merely given to a DIFFERENT (and new) government bureaucracy as opposed to the existing one... and lord knows we need more bureaucracy.

Step 3 would have been to direct some of this 'new' healthcare supply to the poor by offering incentives to doctors to provide care to the less wealthy in exchange for tuition credits or business loans.

Democrats want to try and argue that people against Obamacare are against more/better healthcare for everyone. That's a lie, and merely an attempt to shift the focus away from the fact is that despite spending trillions, Obamacare doesn't create more or better healthcare... It merely shifts around the existing healthcare, which by definition is good for some and bad for others. They trot out those for whom it is good, and dismiss those for whom it is bad. Obvious obfuscation... ESPECIALLY in that for many of those for whom it is bad, they are healthy young people who are paying for FAR more healthcare than they will use... and they argue that this is somehow 'good' for them. .. to steal from the Farmers commercial... they are paying to insure a Lamborghini, but they drive a Honda.

This is actually quite a common tactic in politics... You write a bill that doesn't help people... and then accuse the other side of not wanting to help people... and then when they point out that the bill they are against doesn't really help people... you claim that it was really their idea in the first place and/or trot out a few anecdotes.

Healthcare reform COULD and SHOULD been completely transparent. Instead, it is an absolute quagmire of immaterial measures of success (the number of people complying with the law and/or taking the free handout) and stories of 'winners' in a zero-sum game.

G-man, you're right that it isn't really a zero-sum game overall... but healthcare delivery essentially is. By that I mean, we're merely providing one group of people with more/better care by taking that care away from another group. We aren't producing more or better healthcare. What MAKES it NOT a zero-sum game is that we are paying far far more in aggregate for healthcare (because while the rate of increase may be slowing, it is impacting 100% of people, including those who are healthy and didn't have insurance before... and not just the insured or sick as it did. I don't know the specific numbers... (how many people use virtually no healthcare) but a 3% increase on 100% of the population is equal to a 3.33% rise on 90%. You 'decrease the rate of inflation' merely by applying it to a larger population.
(This post was last modified: 09-11-2014 10:40 AM by Hambone10.)
09-11-2014 10:36 AM
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Redwingtom Offline
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Post: #49
RE: Stoopid Obamacare
(09-11-2014 09:37 AM)G-Man Wrote:  RedWingTom, when you attempt to make the argument about whether Obamacare is working, based upon this year's renewal premium increases for ACA plans, it's superfluous.

Thanks, but that's not all what I did or was trying to do. Sorry.
09-11-2014 10:43 AM
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Hambone10 Offline
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Post: #50
RE: Stoopid Obamacare
(09-11-2014 10:43 AM)Redwingtom Wrote:  
(09-11-2014 09:37 AM)G-Man Wrote:  RedWingTom, when you attempt to make the argument about whether Obamacare is working, based upon this year's renewal premium increases for ACA plans, it's superfluous.

Thanks, but that's not all what I did or was trying to do. Sorry.

Ok...

When you attempt to make an argument about whether Obamacare is working for you individually, or generally, based on data from a declining portion of the population that had been trending that direction before the bills provisions were enacted... It's superfluous.

For those who are actually calling for him to be impeached, the fact that his healthcare plan isn't what he promised it would be is barely a blip on their list of evidence. It might be a +1 to their complaints against him, but passing a poor bill isn't really grounds for impeachment.

WHich is of course why you link the two... to try and make those calling for his impeachment look trivial.

He lied to Americans about raising their taxes. That specific lie cost George Sr his job. At least George didn't say he wouldn't raise taxes while defending the very bill that he supported that did just that. He lied to Americans about keeping their policies. Those are about the only things that one could remotely impeach him for related to healthcare

Neither of those things are addressed by claims about sign-ups or premium increases.
(This post was last modified: 09-11-2014 01:42 PM by Hambone10.)
09-11-2014 01:35 PM
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Owl 69/70/75 Offline
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Post: #51
RE: Stoopid Obamacare
(09-11-2014 08:38 AM)G-Man Wrote:  
(09-11-2014 08:22 AM)Owl 69/70/75 Wrote:  Right now, Obamacare is a zero-sum game. There's no more health care than there was before, it's just being allocated differently by the system and the costs are being allocated differently by the changed insurance model. There are winners and losers, but no net gain or loss. Nothing more has been put into the system, except arguably the various subsidies which are funded by taxes taken from others or deficits taken from the capital markets, so there's no net gain, just taking from A to give to B. If you are on the receiving side like Red Tom, you are lucky. Others not.
The only way for there to be a net benefit system-wide is for more health care to be created. The provisions of Obamacare relating to providers almost certainly will mean less health care than a free market would provide. There won't be a mass exodus. If I'm 50 and have spent my adult life in medicine, it's really too late to go be a civil engineer. But going forward, fewer of our best people will be attracted to medicine, and that means either lower quality or reduced access. CBO even discussed this in their letter to Harry Reid way back when.
Spiking the football over short-term impacts which basically mean nothing more than that you are on the winning side of a zero-sum game is pretty juvenile, Tom. Particularly when the long-term impacts are almost certainly a negative-sum game.
Actually, you're wrong, Owl. (A very rare thing, but still true.) Obamacare is NOT a zero sum gain. It is FAR MORE expensive, than what we had, without bringing more value.

When you factor in the cost of all the additional layers of regulation, clearly so. As Hambone points out, I was more speaking in terms of health care delivery as a zero sum game.

I find it interesting that Tom dismisses Hambone because he is involved in the industry, and apparently prefers the opinions of those who lack sufficient understanding of the industry to know what works and what doesn't--people like Tom.
09-11-2014 03:44 PM
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JMUDunk Offline
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Post: #52
RE: Stoopid Obamacare
(09-11-2014 07:35 AM)Machiavelli Wrote:  Gentleman,

You are going to pay for it here or there. The people who were propping up the system before were those who themselves were sick or those who had family members who were sick and when you talk about MediCaid. Those guys had the gold card. So let's say you did have a debilitating disease. Do you purposely go bankrupt?

We need to put a national sales tax together. Charge 1% for health care. If the right really wanted to get creative you would find a way to tie it in with a VAT and try to eliminate all income taxes to 15% or there about and up the VAT.

Now let's go back to 2009. It's always better to be in the room making decisions than on the outside bitching about decisions. You may not get what you want but you can influence it. Your party tried to tank it. That will have proven to be a colossal mistake. Mark my words. Mark it DOWN!!!!

More revisionist bullschit.

They weren't asked for their input, when they offered it it went ignored, when they offered reforms some were passed, many were not, when they tried to work across the aisle it was met with "elections have consequences".

i get that the looming wipe out of the dim Senate majority has you leftists running around screaming like the hairs afire, but let's not just make schit up, Mmmkay?

You Rat's own this Edsel lock stock and empty barrel. Learn it, live it, love it. She's ALLLLLL yours.

Soon. Real soon...
(This post was last modified: 09-11-2014 03:58 PM by JMUDunk.)
09-11-2014 03:51 PM
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Owl 69/70/75 Offline
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Post: #53
RE: Stoopid Obamacare
(09-11-2014 07:35 AM)Machiavelli Wrote:  Now let's go back to 2009. It's always better to be in the room making decisions than on the outside bitching about decisions. You may not get what you want but you can influence it. Your party tried to tank it. That will have proven to be a colossal mistake. Mark my words. Mark it DOWN!!!!

But being in the room and having any influence at all over the decisions was never an available option. You're blaming the republicans for not taking an offer that was never made.

Calling people to the white house and telling them, "I don't care what you think. I won. We're doing it my way," is most assuredly NOT giving them a chance to participate in decision-making.
(This post was last modified: 09-11-2014 03:57 PM by Owl 69/70/75.)
09-11-2014 03:56 PM
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QuestionSocratic Offline
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Post: #54
RE: Stoopid Obamacare
Now we find out that the Administration has "adjusted" the guarantees to insurers so that any losses incurred on Obamacare policies will be covered almost entirely.

Quote:...Chet Burrell, head of Maryland insurer CareFirst, emailing in alarm last April to White House aide Valerie Jarrett. The administration had just publicly stated... no extra taxpayer dollars would be available to cover insurer losses.

We see Mr. Burrell warning that sticking with this plan would mean politically "an unwelcome surprise," namely premium hikes of 20% or more later this year as ObamaCare policies come up for renewal.

We see Ms. Jarrett emailing back in concern. We see her later assuring Mr. Burrell that insurers would get 80% of what they sought. After another program tweak in May, the figure would be closer to 100%.

Quote:...the administration has succeeded in temporarily suppressing incipient ObamaCare price hikes, contributing to an illusion of sustainability.

Insurers guaranteed no losses by administration

Tom, tell me how the article is a lie.
(This post was last modified: 09-17-2014 07:22 AM by QuestionSocratic.)
09-17-2014 07:21 AM
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Redwingtom Offline
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Post: #55
RE: Stoopid Obamacare
(09-17-2014 07:21 AM)QuestionSocratic Wrote:  Now we find out that the Administration has "adjusted" the guarantees to insurers so that any losses incurred on Obamacare policies will be covered almost entirely.

Quote:...Chet Burrell, head of Maryland insurer CareFirst, emailing in alarm last April to White House aide Valerie Jarrett. The administration had just publicly stated... no extra taxpayer dollars would be available to cover insurer losses.

We see Mr. Burrell warning that sticking with this plan would mean politically "an unwelcome surprise," namely premium hikes of 20% or more later this year as ObamaCare policies come up for renewal.

We see Ms. Jarrett emailing back in concern. We see her later assuring Mr. Burrell that insurers would get 80% of what they sought. After another program tweak in May, the figure would be closer to 100%.

Quote:...the administration has succeeded in temporarily suppressing incipient ObamaCare price hikes, contributing to an illusion of sustainability.

Insurers guaranteed no losses by administration

Tom, tell me how the article is a lie.

I have no idea...I can't see the whole thing and I ain't paying or registering with that Murdoch rag.

Also, this is an opinion piece.
09-17-2014 09:05 AM
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QuestionSocratic Offline
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Post: #56
RE: Stoopid Obamacare
(09-17-2014 09:05 AM)Redwingtom Wrote:  
(09-17-2014 07:21 AM)QuestionSocratic Wrote:  Now we find out that the Administration has "adjusted" the guarantees to insurers so that any losses incurred on Obamacare policies will be covered almost entirely.

Quote:...Chet Burrell, head of Maryland insurer CareFirst, emailing in alarm last April to White House aide Valerie Jarrett. The administration had just publicly stated... no extra taxpayer dollars would be available to cover insurer losses.

We see Mr. Burrell warning that sticking with this plan would mean politically "an unwelcome surprise," namely premium hikes of 20% or more later this year as ObamaCare policies come up for renewal.

We see Ms. Jarrett emailing back in concern. We see her later assuring Mr. Burrell that insurers would get 80% of what they sought. After another program tweak in May, the figure would be closer to 100%.

Quote:...the administration has succeeded in temporarily suppressing incipient ObamaCare price hikes, contributing to an illusion of sustainability.

Insurers guaranteed no losses by administration

Tom, tell me how the article is a lie.

I have no idea...I can't see the whole thing and I ain't paying or registering with that Murdoch rag.

Also, this is an opinion piece.

Try this

House Oversite Committee
09-17-2014 10:42 AM
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Redwingtom Offline
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Post: #57
RE: Stoopid Obamacare
(09-17-2014 10:42 AM)QuestionSocratic Wrote:  
(09-17-2014 09:05 AM)Redwingtom Wrote:  
(09-17-2014 07:21 AM)QuestionSocratic Wrote:  Now we find out that the Administration has "adjusted" the guarantees to insurers so that any losses incurred on Obamacare policies will be covered almost entirely.

Quote:...Chet Burrell, head of Maryland insurer CareFirst, emailing in alarm last April to White House aide Valerie Jarrett. The administration had just publicly stated... no extra taxpayer dollars would be available to cover insurer losses.

We see Mr. Burrell warning that sticking with this plan would mean politically "an unwelcome surprise," namely premium hikes of 20% or more later this year as ObamaCare policies come up for renewal.

We see Ms. Jarrett emailing back in concern. We see her later assuring Mr. Burrell that insurers would get 80% of what they sought. After another program tweak in May, the figure would be closer to 100%.

Quote:...the administration has succeeded in temporarily suppressing incipient ObamaCare price hikes, contributing to an illusion of sustainability.

Insurers guaranteed no losses by administration

Tom, tell me how the article is a lie.

I have no idea...I can't see the whole thing and I ain't paying or registering with that Murdoch rag.

Also, this is an opinion piece.

Try this

House Oversite Committee

Okay...thanks...I guess. Maybe you can tell me what this has to do with me?
09-17-2014 11:14 AM
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QuestionSocratic Offline
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Post: #58
RE: Stoopid Obamacare
(09-17-2014 11:14 AM)Redwingtom Wrote:  
(09-17-2014 10:42 AM)QuestionSocratic Wrote:  
(09-17-2014 09:05 AM)Redwingtom Wrote:  
(09-17-2014 07:21 AM)QuestionSocratic Wrote:  Now we find out that the Administration has "adjusted" the guarantees to insurers so that any losses incurred on Obamacare policies will be covered almost entirely.

Quote:...Chet Burrell, head of Maryland insurer CareFirst, emailing in alarm last April to White House aide Valerie Jarrett. The administration had just publicly stated... no extra taxpayer dollars would be available to cover insurer losses.

We see Mr. Burrell warning that sticking with this plan would mean politically "an unwelcome surprise," namely premium hikes of 20% or more later this year as ObamaCare policies come up for renewal.

We see Ms. Jarrett emailing back in concern. We see her later assuring Mr. Burrell that insurers would get 80% of what they sought. After another program tweak in May, the figure would be closer to 100%.

Quote:...the administration has succeeded in temporarily suppressing incipient ObamaCare price hikes, contributing to an illusion of sustainability.

Insurers guaranteed no losses by administration

Tom, tell me how the article is a lie.

I have no idea...I can't see the whole thing and I ain't paying or registering with that Murdoch rag.

Also, this is an opinion piece.

Try this

House Oversite Committee

Okay...thanks...I guess. Maybe you can tell me what this has to do with me?

Well for one thing, it certainly casts some doubt on the accuracy of underlying thematic implications of this thread that you started. But then I'm guessing you've already figured that out and are making a pathetic attempt to deflect the obvious.
(This post was last modified: 09-17-2014 01:07 PM by QuestionSocratic.)
09-17-2014 01:07 PM
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JMUDunk Offline
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Post: #59
RE: Stoopid Obamacare
(09-17-2014 09:05 AM)Redwingtom Wrote:  
(09-17-2014 07:21 AM)QuestionSocratic Wrote:  Now we find out that the Administration has "adjusted" the guarantees to insurers so that any losses incurred on Obamacare policies will be covered almost entirely.

Quote:...Chet Burrell, head of Maryland insurer CareFirst, emailing in alarm last April to White House aide Valerie Jarrett. The administration had just publicly stated... no extra taxpayer dollars would be available to cover insurer losses.

We see Mr. Burrell warning that sticking with this plan would mean politically "an unwelcome surprise," namely premium hikes of 20% or more later this year as ObamaCare policies come up for renewal.

We see Ms. Jarrett emailing back in concern. We see her later assuring Mr. Burrell that insurers would get 80% of what they sought. After another program tweak in May, the figure would be closer to 100%.

Quote:...the administration has succeeded in temporarily suppressing incipient ObamaCare price hikes, contributing to an illusion of sustainability.

Insurers guaranteed no losses by administration

Tom, tell me how the article is a lie.

I have no idea...I can't see the whole thing and I ain't paying or registering with that Murdoch rag.

Also, this is an opinion piece.

Yep. Blame the source yet again. So lame. So lame.
09-17-2014 01:30 PM
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Redwingtom Offline
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Post: #60
RE: Stoopid Obamacare
Suck it JMU. You guys have done the same damn thing to me since Day 1 here. And I wasn't blaming the source anyway. I was only saying that I ain't contributing anything to something Murdoch produces.
09-17-2014 01:34 PM
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