Are People Ready For The “Affordable” Care Act Deductible Sticker Shock?

Much of the focus with Obamacare, ie, the “Affordable” Care Act, has been on the premiums during the sign up season. Especially since so many have had to deal with the myriad of problems with the websites. But, there’s another bomb that will explode when people attempt to use the insurance

(WRAL) As a key enrollment deadline hits Monday, many people without health insurance have been sizing up policies on the new government health care marketplace and making what seems like a logical choice: They’re picking the cheapest one.

Increasingly, experts in health insurance are becoming concerned that many of these first-time buyers will be in for a shock when they get medical care next year and discover they’re on the hook for most of the initial cost.

The prospect of sticker shock after Jan. 1, when those who sign up for policies now can begin getting coverage, is seen as a looming problem for a new national system that has been plagued by trouble since the new marketplaces went online in the states in October.

Interesting. Associated Press writer Carla K. Johnson just referred to this as a “national system”. It’s almost like she recognizes that Obamacare is a takeover of the American medical system. Anyhow, she notes that people who haven’t had insurance before are in for a big shock once they see their actual deductibles in action, since they are tending to pick the cheapest plan. As are most people going through the Exchanges. And

Hospitals are worried that those who rack up uncovered medical bills next year won’t be able to pay them, perpetuating one of the problems the new health care system is supposed to solve.

Then there’s

On average, a bronze plan’s deductible is more than $4,300, according to an analysis of marketplace plans in 19 states by Avalere Health. A consumer who upgrades to a silver plan could reduce the deductible to about $2,500. A top-of-the-line platinum plan has the lowest average deductible: $167.

People who can barely afford health insurance aren’t going to be able to afford the deductibles, which means they are still mostly insurance-less. Of course, those are the deductibles for single folks. Families will have much higher deductibles.

“It’s all a matter of having a budget and it only goes so far,” said Agnone, an executive with a nonprofit charity based in Fairfield, which is about halfway between San Francisco and Sacramento. “There is no winning in this.”

It was never about winning, it was about putting the Government in the drivers seat of the whole health care system, about making more Americans dependent on The Government by either moving them to Medicaid or providing them with subsidies. About having The Government make decisions about what care is approved and what isn’t. Once the use of the insurance actually starts, Obamacare will surely get even less popular.

Crossed at Right Wing News.

Read: Are People Ready For The “Affordable” Care Act Deductible Sticker Shock? »

Christmas And The Catholic Church Are Bad For Climate Change

Continuing the 25 Days Of Climate Christmas

(Lankaweb) Every year people, above all Christians, remember at Christmastime the birth of Jesus from Nazareth. Many of them gather with their families rejoicing over Jesus’ birth. Christmas tables and Christmas trees are weakening under the load of presents and good food and many people have meat for their Christmas dinner and many of them wish each other Merry Christmas. But is Christmastime merry and happy for animals, too? Regretfully it is not so.

For millions and millions of animals is Christmas, similar as Easter, a time of immense suffering. Right on this occasion even multiplied number of innocent living creatures is being slaughtered, especially by Christians, who afterwards consume them as food. They kill them although they know the fifth commandment: You shall not kill. It is very clear. It states: You shall not kill and not: You shall not kill humans, which makes it very clear that it refers to animals too. Feasting of ones causes suffering and dying to the others.

Despite of the clearness of the mentioned commandment The Roman Catholic Church (RCC) in its catechism expressly permits and supports slaughter of animals for food…..

And, of course,

The Church supports and permits stockbreeding. It’s been doing it all along its existence. Thus raises a question what can be the consequences of this support. It is well known by today that stockbreeding is one of the main culprits for the environmental pollution. The RCC therefore supports the environmental pollution. It is also well know that enormous amounts of greenhouse gases are released from the livestock industry and its share of greenhouse gas emissions is with 18% even higher then that of the entire world transportation.

So, the Roman Catholic Church is responsible for “climate change”. No, really, if only they hadn’t allowed the use of animals for food and stuff

Development of the society would take another course and humans would be vegans. So would be animals. Very likely there would be no present climate change: no greenhouse effect, no catastrophic floods, no droughts, hurricanes and similar. There would be no water or food shortage, no climate changes. The Church is responsible for climate changes due to its millennial support to stockbreeding, but it also bears the main guilt, due to its crucial social role, for the climate collapse that is in opinion of many yet to come.

Read: Christmas And The Catholic Church Are Bad For Climate Change »

If All You See…

…is horrible Bad Weather creating PVC clothing and plastic candy canes, you might just be a Warmist

The blog of the day is Real Science, with a post noting data tampering by NASA.

Read: If All You See… »

Sorta Blogless Sunday Pinup

Gil Elvgren Christmas Patriotic Pinup

Happy Sunday! Just a few more days until Christmas, the day we celebrate the birth of the Christ. This pinup is by Gil Elvgren, with a wee bit of help.

What is happening in Ye Olde Blogosphere? The Fine 15

  1. Raised On Hoecakes has a few random words on Christmas
  2. Gateway Pundit notes the “success” of Covered Oregon
  3. The Hayride offers Christmas at a gas station
  4. The Lonely Conservative covers booming business for inequity merchants
  5. The Other McCain has special snowflake syndrome
  6. The People’s Cube notes that Santa is offensive to minority children
  7. All American Blogger covers Warmists wanting to tax meat
  8. American Power notes liberals pushing back against “people of privilege”
  9. Bookworm Room notes we’ve become an un-serious country
  10. Capitalist Preservation wants Obamacare left out of the grocery stores
  11. Lady Liberty (at DaTechGuy’s) discusses Lefties in NC
  12. House of Eratosthenes discusses tolerance
  13. Jihad Watch notes dhimmitude in London
  14. Political realities notes Obama’s bipartisan nature
  15. And last, but not least, protein wisdom discusses the war on liberty

As always, the full set of pinups can be seen in the Patriotic Pinup category, or over at my Gallery page. While we are on pinups, since it is that time of year, have you gotten your “Pinups for Vets” calendar yet? And don’t forget to check out what I declare to be our War on Women Rule 5 and linky luv posts

Anyone else have a link or hotty-fest going on? Let me know so I can add you to the list. (BTW, since someone asked, the reason I leave links for the previous week up (or you might see a *) is because they are place holders for later in the day or for next weeks. Easier than rewriting all the time. Also, the listing order has to do with how they are added over time, not how good a post is. I just copy and paste from the previous week, then edit. If you see one of the *’s, go ahead and check out the blog anyhow, see if there is an update. I cannot update with my Android during the day.

Read: Sorta Blogless Sunday Pinup »

NY Times Takes Another Stab At Guns And The Mentally Ill

This is THE Sunday story, featured on the front page at the top right

When the Right to Bear Arms Includes the Mentally Ill

(I’m skipping past the typical opening drama story)

A vast majority of people with mental illnesses are not violent. But recent mass shootings — outside a Tucson supermarket in 2011, at a movie theater last year in Aurora, Colo., and at the Washington Navy Yard in September — have raised public awareness of the gray areas in the law. In each case, the gunman had been recognized as mentally disturbed but had never been barred from having firearms.

After the Newtown killings a year ago, state legislatures across the country debated measures that would have more strictly limited the gun rights of those with mental illness. But most of the bills failed amid resistance from both the gun lobby and mental health advocates concerned about unfairly stigmatizing people. In Washington, discussion of new mental health restrictions was conspicuously absent from the federal gun control debate.

The bills tended to fail for three reasons: one is the stigmatization of those with mental illness (mentioned later in the article). The other is that Democrats tend to incorporate all sorts of over-the-top gun-grabby provisions in the legislation. Third, there was the notion that people who had done nothing legally wrong but had some sort of mental illness could see their rights infringed.

Many states have laws which allow the seizure of guns from “mentally ill” people who pose a danger, mostly for up to one year. Some have gone further

Several months after Officer Laird’s death, the Indiana legislature passed its seizure bill, giving the police explicit authority to search for and confiscate guns from people who are considered dangerous or who are mentally ill and off their medication. The police can keep the guns, upon court approval, for five years.

This year, in the wake of the Newtown shooting, in which 20 children and six adults were killed, the mental health debate in state legislatures focused largely on two areas: requiring mental health professionals to report dangerous people to the authorities and expanding the mental health criteria for revoking gun rights.

One legislature that ultimately did act was New York’s, which passed a far-reaching — and controversial — measure that requires mental health professionals to report to county authorities anyone who “is likely to engage in conduct that would result in serious harm to self or others.” If county officials agree with the assessment, they must submit the information to the state’s Division of Criminal Justice Services, which alerts the local authorities to revoke the person’s firearms license and confiscate weapons.

This is a double edged sword: on one hand, people who make explicit threats or seem a danger should probably not own weapons. However, on the flip side, they haven’t actually acted on those impulses. Having a mental illness is turned into a thought crime, and the ever-expanding view of what is considered a mental illness could preclude people from exercising their 2nd Amendment Rights. There’s also a consideration that these laws violate their person privacy and the confidentiality between them and their doctor/mental health professional.

They should probably not drive, either, but they’re mostly still allowed to operate a motor vehicle. What of people without mental illness, say, all the Jihadis/Islamists who profess a love for killing infidels?

Here’s an interesting portion of a comment to the story

The problem is not stigmatizing the mentally ill, or the 2nd Amendment. The problem is the danger some people present to others. Any person suffering from such a mental illness who relies on medication to remain “stable,” such as the examples given, has no right to own or possess a firearm. Their stability only lasts for as long as they continue to take their medication, and therefore it is not sufficient to ensure their responsibility and accountability.

That’s an excellent point. But, much like handicap placards are given out for an ever-expanding list of “disabilities”, like someone not wanting to walk that far, mental illness is an ever-expanding list. Most people will not be dangerous. Do we take their guns away? Should we take all the knives out of their homes? Restrict them from driving? That’s why this is a tough issue. Making violent threats is not Free Speech, but usually threats are empty bluster and someone just speaking out with no intention.

Final thought: while this is an important issue, perhaps the focus should be on getting guns out of the hands of actual criminals who use guns all the time for crime. Not always shootings, but for robberies, rapes, and other crimes.

Crossed at Right Wing News.

Read: NY Times Takes Another Stab At Guns And The Mentally Ill »

If All You See…

…is horrible climate killing concrete used in the stone joints, you might just be a Warmist

The blog of the day is The Daley Gator, with your feel good gun story of the day.

Read: If All You See… »

Nativity Scene Moved From Display At Shaw Air Force Base

This isn’t breaking news or anything, this occurred back in the early part of the month. However, if Obama can still Blame Bush, and media outlets can bring up things for months and years ago, the delay should be OK

(Fox News) A nativity scene at Shaw Air Force Base in South Carolina was abruptly removed last week.

Now we know why.

The recommendation to remove a Nativity from a Christmas display at the base came from Pentagon lawyers who feared the plastic Baby Jesus could give the appearance that the military is endorsing religion.

A spokesperson for the South Carolina base told me that Pentagon lawyers were acting on a complaint filed by the Military Religious Freedom Foundation, a radical anti-Christian organization whose leaders appear to hold great sway over President Obama’s Pentagon.

This goes to several things, one of which is the s0-called “tolerance” of the political Left. They’re tolerant as long as they get their way. And then you get groups like the MRFF (the same group which complained and forced the removal of Nativity scenes at Guantanamo) who expose their intolerance by pushing this fake “endorsement” issue. It’d be nice if Leftists would read, and understand, the Constitution for a change.

Another is the wimpification and secularization of our military under Obama. And

The Military Religious Freedom Foundation said they were alerted by an undisclosed number of Airmen who said they were emotionally troubled by the sight of the plastic Jewish family.

Robert D. Raiford calls this the United States Of The Offended. “Emotionally troubled”? Seriously? Get a life. Get a backbone.

The Nativity scene was moved to near the base chapel from its position near Memorial Lake. So, it is still on base, just somewhere else. So, how is different? It’s all about whiners being whiners and wanting to create an issue. Their poor delicate eyes can’t take it or something.

Funny how these same Leftists do not seem too emotionally troubled as to what happens to women and gays in Muslim nations.

Read: Nativity Scene Moved From Display At Shaw Air Force Base »

Obamacare Enrollment Is “Absolutely Exploding” In California Or Something

You’ll notice something is missing from this article by Brett Logiurato at Business Insider

Obamacare Enrollment Is Absolutely Exploding In California

California’s state health insurance exchange announced Thursday a huge surge in enrollment over the past three days, as more than 50,000 people signed up for private insurance under the Affordable Care Act.

Covered California, the state’s official online marketplace, said in a press release that 53,510 people had selected an insurance plan from Monday through Wednesday. That’s 60% more than the number of people who signed up in the entire month of October (30,830).

Overall in November, nearly 260,000 people selected insurance plans through both federal and state exchanges. That was a significant bump from the 106,185 that enrolled in October, but still far off the pace of the Obama administration’s goal of 7 million sign-ups by March 31.

Can you guess what’s missing? I’m sure you can, because you’re smart, and understand that this is about people selecting plans, not actually paying for plans. I go to Amazon and download free previews of books to my Kindle all the time. There are 5 previews on it right now. According to Obamacarists, this means I’ve purchased the books, even though I haven’t paid a dime for them. I also put some cigars for my dad for Christmas in a shopping cart at one site, but purchased elsewhere. Under Obamacare supporter doctrine this means I’ve purchased them.

The press release from Covered California makes no mention as to whether these people, including the signups in October and November, have paid.

BTW, it’s pretty darned sad that Covered California is using Blogspot for their “news”.

Read: Obamacare Enrollment Is “Absolutely Exploding” In California Or Something »

There’s Disturbing Weather In The World, Meaning This Christmas Might Be Your Last, Cause Climate Change

Continuing the 25 Days Of Climate Christmas, some serious wackadoodleness

There’s so much disturbing weather all over the world right now

It got so hot in Denver this week that they hit a record high of 68 degrees Farenheit.

But don’t worry. Not everywhere where it’s supposed to be winter is having summer. Some places that are supposed to be having summer are having winter.

What? Yeah. It’s snowing in Vietnam. And in Cairo.

Enjoy Christmas, folks, because it could be your last. Here’s a list of recent freaky weather events that you can use against your relatives who don’t believe in climate change. Call it a cheat sheet, if you like:

Why, yes, yes, the article did just blame snow on “climate change”. Here’s the list of “disturbing weather”

  1. Snow in Vietnam
  2. Dry season not so dry (this is because it Zhanjiang, China, is getting lots of rain…because nothing should ever change on Earth)
  3. Denver hits a record high (weird that the 2000+ cold records aren’t mentioned, eh? But that would probably be attributed to “climate change”, too)
  4. Middle East meets snowmen
  5. Buenos Aires blacks out (it was hot in BA during the summer, so they lost power)

So, there you go, folks, two of 5 are about snow. One is about heavy rain, which is often associated with a reduction in solar output (a reduction means an increase in cosmic rays striking the earth, increasing cloud formation). So, Christmas might be cancelled in the future, cause mumble garble climate change.

(Photo via Vietnam News Agency/AFP/Getty Images, Ice-covered tree in Lao Cai, Vietnam)

Read: There’s Disturbing Weather In The World, Meaning This Christmas Might Be Your Last, Cause Climate Change »

NY Times: Say, This Obamacare Thing Isn’t Such A Great Deal For The Middle Class

Said NY Times article starts of with a Typical Human Interest story about a family that saw their premium skyrocket, and if they just made a little bit less they would be eligible for some sort of subsidy, then notes

The Chapmans acknowledge that they are better off than many people, but they represent a little-understood reality of the Affordable Care Act. While the act clearly benefits those at the low end of the income scale — and rich people can continue to afford even the most generous plans — people like the Chapmans are caught in the uncomfortable middle: not poor enough for help, but not rich enough to be indifferent to cost.

“We are just right over that line,” said Ms. Chapman, who is 54 and does administrative work for a small wealth management firm. Because their plan is being canceled, she is looking for new coverage for her family, which includes Mr. Chapman, 55, a retired fireman who works on a friend’s farm, and her two sons. “That’s an insane amount of money,” she said of their new premium. “How are you supposed to pay that?”

Insane. Yet, that’s just the premium. The Chapman’s haven’t even gotten to the point where they are considering the insane deductibles. But, this Times article is about premiums

An analysis by The New York Times shows the cost of premiums for people who just miss qualifying for subsidies varies widely across the country and rises rapidly for people in their 50s and 60s. In some places, prices can quickly approach 20 percent of a person’s income.

Experts consider health insurance unaffordable once it exceeds 10 percent of annual income. By that measure, a 50-year-old making $50,000 a year, or just above the qualifying limit for assistance, would find the cheapest available plan to be unaffordable in more than 170 counties around the country, ranging from Anchorage to Jackson, Miss.

Of course, let’s be honest, there are 3,007 counties in the United States. Heck, North Carolina alone has 100. But, because of Obamacare, 6% would find their premiums “unaffordable”. But a lot of this is based not just on county, but earnings, in terms of whether one would qualify for a subsidy (and let’s not forget that subsidies in those states with a federally run Marketplace are actually against the law).

The article also notes that the availability of the subsidies, and how much they are, can change dramatically from year to year based on earnings, meaning more rate shocks.

But, what the article doesn’t touch on is the notion as to what happens with those with employer based coverage. They do not qualify for subsidies. But, they might see their subsidies skyrocket, because those plans must have the same offerings of the Exchange plans. We’ll soon start seeing exactly what they are. Employer based is around 44% of the population.

Interestingly, 17.1% stated they were uninsured in 2012. I wonder what that rate will be come 2014? Of course, in reality, if you have a plan but cannot afford the deductibles, you are still essentially uninsured.

Read: NY Times: Say, This Obamacare Thing Isn’t Such A Great Deal For The Middle Class »

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