Comment Re:Please describe exactly (Score 1) 392
You really don't understand how the Senate works, do you?
Yes, I do. If you ARE going to force compromise to your favor, it's your vote that you offer in exchange for the compromise in question.
You really don't understand how the Senate works, do you?
Yes, I do. If you ARE going to force compromise to your favor, it's your vote that you offer in exchange for the compromise in question.
I can't resist but to feed the troll. This guy claims to pay '$12,000/year in deductibles'
You really have no idea how individual states handle this, do you? Please go educate yourself. States that chose to set up their own markets and which regulate their own rates have nothing to do with what you're saying. All they have is the ACA forcing certain new features into the plans sold in that state, and the states set new rules in order to pay for those new federally mandated features. In this state, the ACA-mandated Bronze plan leaves you with a $6,000 deductible per person. Married? $12k.
Sorry to take the fun out of it for you.
If you are having trouble with your current premiums, the people on the Healthcare.gov hotline are very helpful.
They're not going to help here, because our situation is exactly what the law calls for. If you're making more than $60k, you don't GET subsidies, you have to GIVE subsidies to other people (like you). The premiums and high deductibles I mentioned are set up exactly as the ACA calls for. No hotline worker is going to wave their hands and make insurance regulators in a state lower the rates to the point where the insurance companies are forced to lose money on selling an account without a subsidy taken from someone else to pay for it. And they're not going to give subsidies to someone who makes lower-middle-income money (which in our area is anyone under $75k, since things like tiny 1100 square foot townhouses in bad neighborhoods cost $300,000+.
So unless we deliberately earn less money so we can get subsidies (which still is a net loss in overall cash), we are walking financial organ donors for
Let's work toward fixing the ACA's problems for EVERYONE (you and me included) instead of just propagating negativity.
Who are you proposing to tax, instead of me, to fix it? And we haven't even SEEN the results on employer programs yet, because Obama broke the law and chose to put off actually enforcing that part of the law (he chose to ignore the law's statutory date requirements). When all of THOSE rates and deductibles go through the roof, you'll hear a lot of negativity from more than just people like me - you'll hear it from tens of millions of people whose insurance will suddenly no longer be viable, according to the ACA.
The fixes for this (cross-state shopping, tort reform, etc) were utterly rejected by the Democrats because their constituents (say, the trial lawyers) didn't want to give up their gravy train.
Please read the original plan and then follow the idiotic path of compromises that Republicans forced onto it rendering it into the watered down ridiculous mess that it is.
The Republicans forced no such thing. Not a single one of them voted for it. The Democrats were the only people who wanted, and who rammed through, the law they put together.
democrats didn't help things either since they were so desperate to get SOMETHING through that they were willing to do just about anything without really thinking through the consequences of their actions
What are you talking about? Everything that's happened was predicted in plain language for everyone involved before they "deemed" it passed in a 100% partisan maneuver. Larger deficits? Playing out exactly as predicted. Huge jump in premiums and deductibles for those that don't get entitlement subsidies? Playing out exactly as predicted. That's what the Democrats WANTED: get insurance for more people by taking more money from one group and giving to another. It's a transfer tax that reduces benefits for those that actually pay in order to give SOME benefits to those that don't, or who pay only part of the way.
repeatedly by publicizing Obamacare horror stories that completely fall apart when verified
But this isn't a horror story. This is just the ACA, doing exactly what it's designed to do. Obviously it's not doing what Obama repeatedly promised it would do, but that was all lies in advance of them ramming the law through. There's nothing shocking (from the point of view of the law) about our situation, it's exactly what was intended - use the higher rates as a new tax to fund a huge entitlement expansion for people who make less money. Self employed middle class people are the beasts of burden in this scenario.
P.S. You say "Were forced to go to a new plan," if you didn't go through the exchange, your insurance company may be the one shafting you.
There is no exchange. Our state spend hundreds of millions of dollars, but couldn't get it to work, have decided to scrap the entire thing, and buy a copy of the exchange that another state built. Regardless, by law in our state, you don't get anything by going through the exchange except discounts when you qualify for subsidies. The subsidies aren't meant for people who make >$60k, so the exchange (if they ever get it working) won't apply. Insurers offering ANY plan in the state have to do so at the exchange rates. Essentially, the numbers I mentioned ARE the exchange rates. That's the cheapest plan you can buy. If we choose a lower deductible (say, $5,000 instead of $12,000) our monthly rate would have jumped from our earlier
The only "shafting" that's going on is by way of the ACA itself and the requirements it places on new policies. And since we work hard to make more than $60k (in an area where that's essentially poverty-level income, given the local cost of living), we get none of the candy they're taking from other people. We're the ones they're taking the candy from. New outlets didn't need special cases like us, because we're not a special case. There's a whole state full of people like us, unless you're in the huge group who have opted to pay the no-insurance-tax/fine and save the money.
Obama correctly outlawed them. He did them a favor.
What? Obama's new wonder-plan is what TOOK AWAY our low deductible plan and forced us, for more money, to buy one that will cost us thousands more each year in premiums, and ten thousand more a year in deductibles. The people you're defending - Obama, Pelosi, Reid - forced us to buy a high deductible plan with fewer benefits, minus the doctor we'd used for years, and more. Obama didn't "outlaw" bad, expensive coverage, he just forced us into that exact situation. Thanks for shilling for him, though - it's nice to see that BS so transparently on display for all to see.
please describe _exactly_ what you find so objectionable about the Affordable Care Act
I used to have affordable insurance for my wife and I. The ACA killed it. Were forced to go to a new plan that:
1) Has much higher monthly premiums (we went from roughly $230/month to about $500/month)
2) Has a hugely higher deductible (we went from $2,500 a year to about $12,000 a year). This means that we are much, much farther out of pocket every year, especially if we actually need medical care beyond one or two simple visits annually.
3) We are past any risk of pregnancy. None the less, we are being forced to pay for elaborate maternity care that we cannot possibly use.
4) The new plan forced us to give up the doctor we've been using for 15 years unless we want to pay cash for that in a way that doesn't help with our deductible.
5) The two best local hospitals are no longer available to us unless we want to pay retail for their use, and get no benefit against our deductible.
Prior to this "affordable" new act, we had no need to change insurance, doctors, hospitals or anything else for well over 10 years.
Because of how the math is working out, we're told to expect that next year's premiums will go up by another 45-55%. Thanks, Mr. Obamacare Cheerleader, if you're one of the people who helped to empower the people who snuck this 100% partisan monstrosity through congress on Pelosi's "deeming" technique. Thanks a lot.
hatchet job using cherry picked emails to smear political opponents over now solved problems. nothing to see here, move along.
So you are ALSO saying that the information presented is incorrect
So your idea of "nothing to see here" is either:
1) The administration knew exactly what a train wreck the thing was, but lied about it. Or...
2) The administration, at every level, was so foolish and incompetent that it had no idea whether or not the system was useless, and in lacking any sort of knowledge one way or the other, just assumed it was fine.
If there's a company with a plant, they probably also need protection from the fire department. Shouldn't they pay for this?
Yes, and most cases such services are paid through property taxes. If the company owns the plant and its grounds, they pay substantial property taxes. If they lease the property, the property's owner does (and passes those costs along in the lease).
We're not talking about property taxes, we're talking about income taxes.
Yes but at a lower rate. Investment income is taxed lower than standard wages.
Right. Usually, that's because:
1) We want people to risk their money making investments to start and grow businesses. That creates economic activity, which is taxed.
2) If the person risking their money on such an investment loses it (as most do - most new businesses fail), they do NOT get to write that loss off on their own income taxes. It's just gone, goodbye.
3) The lower rates only apply if you let the investment site for a good long time. Those who throw money in and yank it back up pay a much higher rate.
businesses and the people who profit from them
Employees ARE people who profit from a business. In fact employees account for the vast majority of the outbound cash that most businesses spend. And its taxed at normal payroll rates. And the taxes levied on the money those people are getting out of the company are a big part of what pays for the public infrastructure that they (as the people who are making money daily in the business) use. Why do you think that city, county, state, and federal programs to encourage business presence and growth aren't hesitant to wave, for some period of time, taxes charged directly to the business? It's because the net result of establishing that business in place and keeping it there is MUCH MORE TAX REVENUE - from all of the other activity and employment that results.
What good is a ticket to the good life, if you can't find the entrance?