The Current State Of ObamaCare - ACA

[AllenChicago]

Roughly 40% of the population gets free or almost free health insurance from the govt courtesy of those who still work and pay taxes.

The moocher .

Somarco, this article http://www.cnsnews.com/news/article/terence-p-jeffrey/ says that 40% of Americans are on Government health insurance, but most of them pay something. Some pay a little, and some pay regular (expensive) premiums.

 

[somarco]

AC, your link does not work.

As for the percentages, all the sources are cited, including population. Do the math yourself.

55M on Medicare. Most only pay Part B premium ($122) and very few pay the IRMAA surcharge. Even then, the surcharge only applies to the "wealthy" and usually drops off a few years after they stop working.

Would you swap your Obamacare premium for $122/month? Original Medicare has a $1288 hospital deductible and Part B (outpatient) has $166 deductible then you pay 20%. Unless you are one of the folks that get your Obamacare from the $1 menu, that is a good deal.

70M on Medicaid and CHIP. Link to premiums and cost sharing

That's 125M from those two programs. Divide by 322M population and you get 39%.

Add in VA and you are over 40%.

Don't ignore the 14M govt workers premiums (on the employer side) are funded 100% by taxes.

 

[Key2Success]

Oh don't think I'm letting it go....

1. What percentage of the Medicaid/CHIPs are foster or foster-adopted? TX assumes 20%.
2. What percentage are over 65?
3. Are people that receive (or close to free) at their place of employment included?
4. What percentage are U65, but Medicare eligible

I'm not really expecting answers from my favorite Bob, but 40%? Seriously?

That spin number ranks right up there with the $850 deductible crap we got out of CMS last week

The comment was made "tongue-in-cheek"

 

[kgmom219]

The comment was made "tongue-in-cheek"

I know...I was really teasing Somarco

 

[somarco]

That's not a tease.

THIS is a tease.

 

[Yagents]

The architect explains himself. Must have been a stretch to put on that lipstick.

Obamacare: What we didn’t see coming

 

[tonyisme]

Mr Gruber says
"Any objective analysis of the ACA will find that it vastly improved the lives of millions of Americans who could not previously rely on the security of employer or government-provided insurance -- while leaving the vast majority of Americans able to still rely on the insurance arrangements that they enjoy. And that should be no surprise.

Jonathan Gruber is Ford Professor of Economics at the MIT "

And to think he got paid for his advice of this epic fail...

 

[Yagents]

Here is the new ACA enrollment manual:

https://www.cms.gov/CCIIO/Resources...e/Downloads/ENR-FFM-SHOP-Manual-v1-071916.pdf

And Health Affairs article
http://healthaffairs.org/blog/2016/...r-individual-and-small-business-marketplaces/

The FAQs clarify that agents and brokers may not use automation retention and loading of consumer information functionality on a third-party site to submit a completed application to the Federally-facilitated marketplace. They must rather use the FFM's single streamlined application form. Agents and brokers can either directly enroll consumers through an insurer's or web-based broker's website, using their own user-IDs and accounts, or assist consumers "side-by-side" without having access to the consumer's user ID, password, or account.

We have somebody on our side?

An Area Of Concern: Fees Charged To Consumers By Agents And Brokers

The FAQ repeats earlier guidance that where a web-broker has "invested significant resources to develop special software to assist consumers with selection and enrollment in QHPs offered through the FFM," and the agent or broker offers "a bona fide service of value that goes beyond the traditional assistance provided by an agent or broker registered with the FFM, it may be appropriate to allow for the collection of an additional fee" The guidance continues

If permitted under state law, agents, brokers, and web-brokers that elect to pass on these types of costs to consumers for selecting and submitting QHP applications offered through the FFM through a non-FFM website should provide a disclaimer to consumers that: 1) clearly discloses the amount and reason for the fee, and 2) informs the consumer that he/she can apply through the FFM website (Healthcare.gov) at no cost.

The consumer must also be permitted to withdraw from the web-broker enrollment process and enroll through Healthcare.gov at any time.

Brokers and agents have played a very significant role in enrolling consumers in marketplace plans. At a time when a number of insurers have eliminated or significantly cut commissions for marketplace enrollment, guidance permitting brokers and agents to charge marketplace enrollees directly for their services is troubling. The lack of clarity in the guidance as to what a "bona fide service of value" might look like makes the guidance even more problematic.

Rather than suggesting that brokers and agents can charge consumers for enrollment, federal and state regulators should rather ensure that insurers are paying agents and brokers for their services to the insurer, particularly when the insurer included commissions in their approved rate structure or when an insurer has eliminated commissions in ways—such as refusing commissions for special enrollment periods only—that strongly suggest that the reason for doing so is to avoid high-cost enrollees, .

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https://www.regtap.info/reg_librarye.php?i=1720

Per footnote, WBE = agents too

 

[houcoogster]

That's not a tease.

THIS is a tease.

Is that Dustin Hoffman in "The Graduate"??

 

[somarco]

No, it's Anne Bancroft (wife of Mel Brooks).

That's Dustin eyeing Anne's leg.