You Won’t Believe What Obamacare Will Do to Your Rates

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  • Premium market rates will double in many cases
  • People who are overweight or smoke will pay a lot more for their healthcare
  • Many exchanges will not pay for intensive weight loss counseling, drugs, and surgery
  • Small health insurers will go under
  • There will be severe limitations in the doctors and hospitals you can choose
  • The government – actually no one – has any idea how Obamacare will work
  • Obamacare includes a scheme to eliminate the two-party system

 

CALIFORNIA “MODEL” EXCHANGE WILL DOUBLE RATES

Forbes recently posted an article lauding Covered California, the new Obamacare-compliant healthcare exchange, which California officials believe will be the model for the rest of the nation.

The claim is that the exchange reduces premiums by as much as 29% and never goes above 2% more than current rates.

The following chart purportedly proving that statement was posted by California officials:

California rates

The only problem is that it’s not true. The rates are actually going up by as much as 146% on the exchanges.

The cost of the Obamacare regulations and the massive bureaucracy that goes with it will drastically increase rates.

The discrepancy in rates arose out of false comparisons made by the California officials who are hoping to seduce the American public into buying into Obamacare and the healthcare exchanges. [Obamacare’s success depends on healthy, young people buying into it to pay for the elderly and the infirm.]

Forbes also has the article proving that:

The newer and more accurate Forbes article has a chart with examples of a 40-year old whose premium goes from $121 to $205 and the 25-year old whose premium goes up from $92 to $184:

Calif-rate-shock-graph

So much for free healthcare.

Instead of making healthcare affordable, Obamacare is doubling the market premium rates.

 

PENALIZING SMOKERS AND THE OVERWEIGHT

The practice of charging based on how healthy a person is was supposed to end with Obamacare.

Beginning in January, rates will be set by government-run health-insurance marketplaces, or online exchanges, which are meant to spread the added costs of insuring higher-risk policyholders—such as those with past illnesses or pre-existing medical conditions.

Unfortunately, rates will be higher for some depending on whether or not the government believes you are living a healthy lifestyle.

Big Government likes to control peoples’ lives based on what it believes is best. Right now, it’s unacceptable to be overweight or smoke.

People who are overweight or who smoke will either be forced into government programs or they will pay more. They might not even be able to purchase individual plans.

The government will add to the list of taboos in the future undoubtedly.

New Obamacare rules force every American to submit to government obesity measurements by 2014.

The obesity regulation states that every American’s health record must calculate body mass index (BMI). Obamacare requires that these records then be made available on a national exchange (don’t worry about privacy –  you can trust them to keep that confidential – the IRS is on it).

The records will track each person’s BMI score which determines if a person is obese or not.

The mandate requires doctors and hospitals to make “meaningful use” of the electronic health records (EHR’s) to qualify for federal subsidies.

Every American will be tracked and their personal health information will be collected, stored and used “meaningfully” by health insurers as well as doctors and hospitals.

While insurers can’t turn anyone away, Obamacare regulations allow for insurers to charge 50% more for smokers and the overweight unless they participate in a wellness program. Employers will also be allowed to reward individuals meeting specified health care goals. That is one way health records will be used “meaningfully.”

Ironically, Obamacare won’t cover bariatric surgery in many states for patients on Medicare or even for the majority of employees working for large employers.

Bariatric surgery costs about $42,000 and some states don’t cover it. Obamacare was supposed to even-out these demographic variations. Instead HHS decided to match benefits to the most popular small group plan sold in each state thereby reflecting local forces.

More than two dozen states will not cover obesity treatments such as intensive weight loss counseling, drugs, and surgery.

 

YOU WON’T KEEP YOUR PLAN OR YOUR DOCTOR

Remember when President Obama said if you like your doctor and your healthcare plan, you can keep them? That wasn’t true.

New health insurance rules will lead to the demise of numerous healthcare insurers that can’t meet the mandates. That could happen as early as this Fall.

The National Association of Insurance Commissioners believes that many carriers will cancel policies and issue new ones because administratively that is easier than changing existing plans.

Another problem: To keep premiums down, insurers will severely limit the doctors and hospitals who will provide care. The plans  will only include those who accept the lowest payments.

 

THE TRAIN WRECK IS COMING SOON

Unions with Cadillac plans that are subject to 40% surcharges are screaming in opposition to Obamacare now that it is being rolled out, but it is not beyond the imagination to believe the Obama administration will work out special favors for them.

Congressional Democrats, concerned about the messy Obamacare rollout, have worked out “grandfathering” clauses for individuals and small businesses to make the transition smoother. The clauses temporarily shield private plans from some of the law’s burdensome regulations. State officials have said the “grandfathering” is proving impractical.

As White House adviser Ezekiel Emanuel said, “Can the premiums be kept relatively stable and not growing at, you know, 10, 12 percent? The first year is filled with uncertainty.” Emanuel said. “No one, including insurers, hospitals or the federal government knows how many people will enter the system.” Emanuel said.

Since Obamacare’s success depends on people joining the system, that alone has the potential for disaster.

No one, including the government knows what this “train wreck” will look like after January of next year or even this Fall when the exchanges open up and small healthcare insurers bite the dust.

The worst scheme of all is the use of navigators to sign people up for the Democratic Party. The navigators will come from the ranks of LaRaza, unions, ACORN, and like groups. The purpose is to abolish the two-party system. Soon the only voices we will hear will be those that gave us Obamacare.

 

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